vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
I am requesting from the collection agency ESO CCA. A copy of all my bills from XXXX.I requested this info back in XX/XX/XXXX.They never sent it out.I want to verify the amount owed.I want all my bills.I don't owe this amount.ESO CCA brought the debt from verizon.They don't even really know about the real true amount .They refuse to send me the bills out.I want to removed from my credit report asap.I disputed this back in XX/XX/XXXX.Its is a grace violation of the FDPA and FCRA.I am a XXXX XXXX  who will be filing a law suit against in US District Court Federal Court.I will also file a subpoena .So I can get a copy of all the recorded phone calls.

My Acct # XXXX Alledged amount owed {$2100.00} I spoke with a XXXX, XXXX XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USI Solutions Inc.
State: MI

Complaint narrative:
U S I SOLUTIONS. They also say they are representing a XXXX XXXX debt.That I owe the 3 XXXX XXXX debts. I looked up the website and it  says XXXX as well. I recently filed a complaint due to continual calls. i got a letter through this website saying they would stop. They are continuing. I got a call today saying to call right away. I called and got no answer twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
This complaint is against Coinbase. I have a account with Coinbase which requires authentication via phone ( 2 Factor Authentication ) to sign-in to my account. Unfortunately, I had to return the phone that I had been using to authenticate and sign-in to my Coinbase account. Therefore, I was unable to log-in. Following is the list of event that happened as I tried to get access to my account : XX/XX/XXXX : Unable to log-in to Coinbase due to 2 Factor Authentication issueXX/XX/XXXX : I submitted a ticket requesting for help XX/XX/XXXX: Someone from customer service got back to me. Coinbase asked me to open a new account, so that they could verify my identity.XX/XX/XXXX : I responded back to Coinbase letting them know that my new account had been created.

XX/XX/XXXX : Someone from Customer Service responded back letting me know that my ID had been verified and they were working with a technician to proceed with the transfer.

XX/XX/XXXX : No transfer had been made so, I emailed back customer support to check on status of balance. No response yet.

It has been close to 1 month to get my issue resolved, so I have not other option than to raise a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a XXXX year customer with B of A. Last year our credit card ending ... XXXX expires XX/XX/XXXX, was cancelled due to inactivity, a letter was supposedly sent but never received or acknowledged. We have had that card since the 1973 and relied on that for emergencies, using out debit cards for day to day use. 
We are retired now and have only our SS benefits for income. I spoke with your customer service reps including 2 supervisors to help in reactivating the cards to no avail. Of course they recommend reapplying for new cards, sure with horrendously high interest rates now. 
I feel as though I'm I being treated like a new customer rather than a many year loyal one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted an application to consolidate 3 parent=plus loans into a single loan. In this application, and the conversations I had with the XXXX  servicing rep, I made clear I was going to apply for the Public Service Loan Forgiveness program. I was reassured the loan qualified. In Fall XX/XX/XXXX, I ( finally ) submitted the PSLF documentation. On XX/XX/XXXX, I received an e-mail stating that I had been approved for PSLF, but that I should NOT make another payment to the current loan as the current repayment plan was not approved for the PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Capstone Credit & Collection, LLC.
State: NY

Complaint narrative:
Im writing you to dispute an account fraudently opened in my name without sign any document that prove it. I will report this fraud to every single consumer federal agency to escalated this matter if i need it. XXXX XXXX XXXX is violating every single consumer law and they know it. Im also a victim of identity theft of XXXX, XXXX, state ID and my social security has been compromised. According to federal laws they are required to provid undeniable proof that this account is valid with documents such as court judgments, citations from court etc. Supporting my position. Please reinvestigate this matter to correct the disputed item as soon as possible. A fair resolution to this issue would be a complete deletion of this negative trade mark being reported to all major credit agencies. Thank you for your assistance. 

Date reported : XX/XX/2018 collection charge off, last four account number XXXX, amount {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
I received a letter from XXXX. XXXX  XXXX XXXX stating my account has been assigned to their agency for collection. The debt was originally for XXXX XXXX XXXX XXXX and the amount owed is {$3600.00}. The letter is dated XX/XX/2018. This debt was not incurred by me ; I have never been to this establishment. I believe this is an error in billing or a fraudulent identity scam. XXXX. XXXX XXXX XXXX has put this case on hold and advised me to submit a claim to the consumer FTC. They strongly recommended that I check my credit rating for other fraudulent activity.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
In XX/XX/2014 I was admitted to the hospital with XXXX XXXX caused by XXXX XXXX in the apartment I was living in. After being released from the hospital I continued to have issues and was sent to see a XXXX XXXX. He determined that the continues exposure to the mold was causing damage to my XXXX and advised me to move out of the apartment as soon as possible.He also sent the apartment a letter stating that my remaining in the apartment was detrimental to my health. Since my lease was almost up I went ahead and paid my lease up in full. However the XXXX XXXX XXXX XXXX XXXX told me that I didn't give them 60 Days notice I was moving out I would have to pay them for not providing them with 60 days notice despite the letter from the doctor. They turned this over to IQ Data International for collection. I tried to work with the apartment complex and their lawyer. They refused to work with me. Since that time every year since then the amount has gone up. It is now over {$4000.00}. I have permanent damage and can no longer work. I don't feel that what they did was fair or right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My Father died XX/XX/XXXX, I lived with my father. I became delinquent on the mortgage because I was responsible for his care until he died. I've requested a mortgage modification with Ocwen Servicing several times. I recently submitted the required documents for a mortgage modification. My modification request is currently in processing with Ocwen Loan Servicing. But a property foreclosure sale date has been set for my property XX/XX/XXXX. I do want to keep my home.

Please Help!!!!!!!!!!!!!!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
i have Paid in full this debt and the company will not XXXX it out. I've spoken to 3 reps that continue to state that I owe on this account. I made my final payment on XX/XX/XXXX for the amount of XXXX. Other payments were XX/XX/XXXX {$25.00} XXXX {$25.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$25.00} a Total of {$190.00} Paid. When I call the rep hung-up on me, the supervisors do as well. This is affecting my credit score and causing a huge problem. I want this account removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: TX

Complaint narrative:
I filed a complaint on my mortgage company a few months ago because they are refusing me any kind of loss mitigation. 
I lost my job for a few months and asked for a modification or loss mitigation. They just keep sending me the application over and over again. 
After I filed a complaint on NATIONS DIRECT MORTGAGE through you, they answered and stated that they are working on it. They again sent me paperwork to start the process, and they never processed it or anything. Now they sent me another application instead of the answer to my modification application. This mortgage company is playing games and are trying to illegally foreclose on my home PLEASE HELP ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I have a coinbase account, access to which is controlled by a 2 factor authentication ( 2FA ) code that is generated by an Authenticator app on my phone. On XX/XX/XXXX, I had issues with my phone, and I had to get the phone restored. I lost access to the 2FA code when I did this. Unfortunately, I did not store the secret seed key that is required for re-establishing the 2FA mechanism back on my phone. I spoke to Coinbase Customer service on XX/XX/XXXX and explained my situation. I was told to verify my identity by uploading my driver 's license, which I did. I was told that my account will be reset in 3 business days. This has not happened so far -- and I have been locked out of my coinbase account for 6 weeks now, with no access to my crypto funds. 
Since XX/XX/XXXX, I have spoken to Coinbase support at least 6 times, and exchanged at least 10 emails, but there has been no resolution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: VA

Complaint narrative:
As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as UD DEPT ED with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment $ XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment $ XXXXOpenedXXXX XXXX XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XX/XX/XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XX/XX/XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days lateXX/XX/XXXXClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with Equifax. 
GO TO EQUIFAX Creditor Information XXXX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Company can not prove that I held a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC
State: AZ

Complaint narrative:
The Weinberg mediation company keeps calling after I told them to not call me anymore, they call all hours and sometimes 3 times a day, when I asked about the debt they say they can not discuss it so I said send me a letter, they said they don't do that but can email me. I refuse to give them an email address, now they call from several different numbers and as soon as I pick up the phone a person says hello, when I answer back they immediately put on the recording this has been going on for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are addresses on my credit report that do not belong to me that I have never lived at. My ex-wife is the only person that resided at those addresses so therefore I believe she might be using my social security number or my credit resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: AL

Complaint narrative:
I applied in XX/XX/XXXXafter receiving a mailer from the company. I was trying not to withdraw much, just enough to ease me between a long stretch. I am paid early inXX/XX/XXXX. and not again until XX/XX/XXXX. I guess I over-did it a bit during XX/XX/XXXX, but I was expecting help from my ex-husband who had promised. When I asked in XX/XX/XXXX., he said he could not help, so I ended up taking out the max. I have now paid them both my federal and my state refunds and still owe more than I borrowed. Every month I am charged $ 500-600 in interest and the principle keeps going up. I have paid in all the extra I am going to have this year, so I fear the principle and the interest climbing so high so fast. If they could just give me an installment loan to pay this off with, nomatter how high the interest, so that I could afford it and eventually it would be paid, instead of it just sitting there growing in spite of my paying all I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one bank checked my credit report without my permission. I have hard inquiries on XX/XX/XXXX and XX/XX/XXXX. My credit score went down and i got 2 more inquiries in my report. Id like to fix it and remove it from the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Innovis
State: PA

Complaint narrative:
Wanted to set up appointment with XXXX XXXX XXXX. They did not disclose the fact that they were running a hard-pull on my credit report. They were of no assistance on setting up a solution to have them removed. Did not provide social security number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: VA

Complaint narrative:
XXXX advertises a XXXX credit card that earns 2 % cash back on everyday purchases. There is also a sign-up bonus of " {$100.00} bonus cash back '' after {$500.00} expenditures within 90 days of account opening. Earnings are credited as points that equate to cash ( XXXX points = {$1.00} ). XXXX does not disclose that the points can only be used at full value if deposited into a XXXX brokerage account. The points are only worth half the value when used as a statement credit. The {$100.00} bonus is only worth {$50.00} as a statement credit, and the " 2 % cash back '' is really only 1 % unless deposited to a XXXX brokerage account. The fine print in the XXXX application refers to redeeming points into an " eligible XXXX account. '' I applied for the credit card over the phone and asked if the credit card was an " eligible '' account and if I could use the points as statement credits. The XXXX representative said I could use the points for a statement credit, but did not disclose that they would only be worth half their value. I only discovered this issue when I tried to use the points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
As ofXX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX sinceXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
As of XX/XX/XXXX when I applied to buy a house, they informed me there are 8 loans listed as XXXX and 18 listed as XXXX XXXX XXXX with a total of 36 different account numbers that are all reporting past due. I only have 2 loans serviced by XXXX since XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
I received a notice in the mail on XX/XX/XXXX from a collection Debt company called XXXX XXXX XXXX. XXXX for a amount of {$620.00} from a company called XXXX XXXX based in XXXX, Michigan which is back dated to XX/XX/XXXX. I have never gotten a notice form XXXX XXXX for any unpaid balances nor have I ever lived in XXXX or signed up with the company XXXX XXXX. I have called XXXX XXXX as they told me I would need to fix it with the collection agency XXXX XXXX XXXX. I also filed with XXXX credit for fraud and Identity theft. They could not resolve the situation and XXXX XXXX XXXX. XXXX has said that I need to Supply more information. But when asked what is needed to supply it isn't a straight answer. I've been dealing with this for over 2 months now because everything is mail from XXXX XXXX XXXX. XXXX and it has taken a toll on my credit dropping a significant amount in point.

Company response to consumer: Closed with non-monetary relief