vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD AUTO FINANCE, has made it impossible for me to pay XXXX the options to do online have been disabled they are charging me fees not letting me use my bank or business account I try to call and =the hold times are over 2 hours and then they hang up they are threatening me on payment buytif I cant go online icant get f=diferment either its a company account any way please help all I want to do is pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AmeriCollect
State: PA

Complaint narrative:
A validation of debt letter under Fair Debt Collections Practice Act was sent to AMERICOLLECT INC Services but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from AMERICOLLECT INC is considered fraudulent and invalid. Since this was a medical situation i also requested that they provide a HIPPA authorization, in which they failed to produce. I also attached a copy fo the certified receipt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
Please see complaint # XXXX - XXXX. The company 's response to CFPB is that they will cease collection activity. I do not owe this. This is not my account. I want it removed from all 3 credit bureaus immediately. See below for the company 's response. 

XXXX XXXX, We have received your complaint and it is important to us. The CBE Group ( CBE ) submitted your complaint to our client and requested debt validation for the account placed in our office for collection. The requested information was received in our office and has been forwarded to you at the address provided in your complaint. We have also reviewed our records and there is no indication that CBE was notified of a dispute prior to this complaint being filed. Based on your complaint, CBE has ceased collection activity on the account. Sincerely XXXX XXXX CBE Compliance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Company : Coinbase Issue : After creating a brand new account and following the directions provided by Coinbase, I received a notice that my 'buying ', 'selling ', and ability to transfer money were all disabled. It's strange because I have no debt, plenty of funds in my checking account, and a clean financial record. I asked Coinbase support for an explanation and was told that- they can not provide an explanation and can not elaborate on internal decision making. 

Luckily, I have no funds in Coinbase - but I can't imagine this happening if I had actual funds linked to a Coinbase account. Coinbase needs to provide some level of transparency. I would like Consumer Finance to review Coinbase 's user agreement and suggest recommendations on how to protect users from Coinbase 's ability to shut down accounts at random.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ; Ph : XXXX ) sent me a letter on XX/XX/XXXX stating that I owe {$49.00} to XXXX, and they are a debt collector company acting on behalf of XXXX. I called and spoke to their customer service agent XXXX XXXX on XXXX XXXX at XXXX XXXX EST. The details mention that I opened XXXX internet and cable connection in my name and social, and I owed {$49.00} since XX/XX/XXXX. The address on file was not known to me, when the XXXX connection was originally initiated, and it is in a different state ( XXXX, NY ). Honestly, I never opened an account with XXXX and this company demanded I file identity theft police report, and hand it over to them to dispute the charges. I do not understand how this company operate, and so I would like to start an investigation in this matter since my SSN in now compromised per letter from EOS CCA. I would be willing to submit any documents or proof that will help with this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Transunion Customer Service/Fraud Department regarding inquiries, not authorized. I spoke to XXXX he was very rude and refused to assist.

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
A validation of debt letter under Fair Debt Collections Practice Act was sent to LVNV Funding LLC but they did not follow the requests of the letter within 30 days. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from LVNV Funding LLC is considered fraudulent and invalid. I also attached a copy fo the certified receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consolidated Recovery Group, LLC
State: TX

Complaint narrative:
Good afternoon we have attached the fraudulent account number it is XXXX When were first contacted Consolidated RCVY GRP in early XXXX we told them that the customer that we did work for committed fraud and a other felonies by having us to do the work and not paying us and then this same customer contacted XXXX XXXX XXXX the ( Original ) Debt Collector that they never received the services that we provided which is a lie XXXX XXXX XXXX attempted to collect {$8100.00} but however the original amount was {$6500.00} they received a cease and desist order prior to all of this from collections and reporting it on our personal and buisness reports for all of the 3 major credit bureaus and they still disregarded the law and the Original Cease and Desist Order that was emailed and mailed to them and yet Consolidated RCVY GRP still illegally put it on my credit report this company even made it look like it was a new debt that was being collected in XXXX of XXXX and this account is more than 3 years old and fradulant something needs to be done about this it was perpetrated by a customer so that they would not pay a debt that they legally owed to XXXX XXXX and we feel that Consolidated RCVY GRY and XXXX XXXX XXXX are equally responsible for illegally trying to collect money that this customer rightfully owes to our company Cosolidated Recovery Group XXXX XXXX XXXX XXXX allowed a customer to fraudulently say that they never received services and they did we even went as far as to send proof that work was done to XXXX XXXX XXXX but no avail Consolidated RCVY GROUP needs to be fined and or jailed and sactioned by the United States Government from doing any form of collections or collection referrals this company does not follow the law at all and people need to held accountable because they are committing fraud against me and my company.We have have attached the legal and binding Cease & Desist Order for Conslidated Solutions GRP please reference the date of the order they are violating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX MORTGAGE SERVICES Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : - Remove the unauthorized inquiry - Take steps to remove information about this account from my credit files. 

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this inquiry, and I request that it be removed immediately. 

Please send me written confirmation that I am responsible for this inquiry, and take appropriate steps to remove information about this account from my credit files. 

Fair Credit Reporting Act,15U.S.C.1681s-2 ( a ) ( 1 ) ( B ). 

Enclosures : - FTC Identity Theft Report - Notice to Furnishers of Information Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GSF MORTGAGE CORP
State: TX

Complaint narrative:
I have a VA Loan with XXXX XXXX. I was told by a support agent at XXXX XXXX that a XXXX ratio of 80 % or less was required for a waiver of the Escrow requirement. On XXXX I submitted a signed, written request to their Research Department to waive the Escrow requirement. I received a letter in XXXX indicating that an analysis was completed and my XXXX ratio was 172 %. The industry standard for calculating the XXXX ratio is based on the Loan Balance/Home value. Per their website and my calculations the correct XXXX ratio is XXXX = 39.74 % which is well below the XXXX XXXX threshold for an Escrow waiver. I contacted XXXX XXXX online and over the phone numerous times between early XXXX until now in late XXXX to resolve this issue to no avail. I have requested to speak with the Escrow research department and to speak to Supervisors and was rebuffed. I was told supervisors would contact me by phone and this never occurred. On my last attempt which occurred on XXXX, I asked the support agent to tell me how the XXXX ratio was calculated and was given conflicting information. I was told it was based on the Loan balance and Home value and then I was told it was based on Original Loan amount and Loan balance. I was then told I could not be provided how the XXXX ratio was calculated. I was also told that the VA requires an Escrow account. I verified that this is not correct with the VA Department. I have been left with no other recourse than to request assistance in this matter by the State of New Jersey Department of Banking & Insurance. Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I pull ; ed my credit report today and I see a bunch of credit inquiries on my credit report that looks fraudulent because I did not make them and I did not authorize anyone to pull my credit report. Please review the following inquiries for identity theft : Someone did all of these on XX/XX/2021 : XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXXXXXX XX/XX/2021 Equifax Soimeone did all of these on XX/XX/2021 : XXXX - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX  - XX/XX/2021 Equifax XXXX- XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXXXXXX XXXX XXXXXXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax Someone did all of these on XX/XX/2021 : XXXX  - XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XX/XX/2021 Equifax XXXX XXXX - XX/XX/2021 Equifax XXXX XXXX XXXX - XX/XX/2021 Equifax XXXX - XX/XX/2021 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On Friday ( XX/XX/2021 ), I sent a letter to Equifax asking for their method of verification concerning a XXXX XXXX Bankruptcy that is being reported on my credit report. 

On Tuesday ( XX/XX/2021, according to the date listed on the report I received back from Equifax ), Equifax stated that they verified this entry through XXXX. 

On Tuesday ( XX/XX/2021 ), I sent Equifax a letter, requesting that this item be disputed. I also included a letter from both XXXX ( stating that the bankruptcy was deleted from my file with them due to not being able to verify such entry ) and the US Bankruptcy Court ( stating that they do not furnish such information to any third-party agency ). 

On Sunday ( XX/XX/2021, according to the date listed on the report I received back from Equifax ), Equifax stated, again, that they verified this entry through XXXX and it will remain on my credit report, even though XXXX themselves no longer have it on file. 

On Saturday ( XX/XX/2021 ), I wrote Equifax a final letter, stating that if the bankruptcy ( which they can not verify once again from XXXX ) is not removed, I will file a complaint with the CFPB, as I am doing now..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: UT

Complaint narrative:
I have received repeated phone calls from ERC I asked them to keep all communication to letter form and to stop calling me repeatedly they have continued to call they called today at XXXXXXXX XXXX after I have all requested the calls to stop they are always changing there phone numbers and when asking to speak to a supervisor they go silent and hang up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is the complaints of American Express Deceptive Behavior. 

Date : XX/XX/2021 Amounts : Issue regarding the available credit given and allowance of autopay transaction that hasn't happened for months to appear Actions : I called the Rep of the special team service for this issue : I entered into a program that paid a fixed amount of money monthly over a year. On the XXXX, they will debit my account on another bank. At the beginning of the contract, the agreed that the credit that I got was $ XXXX - unpaid amount. they issued a letter and mailed to me about it ... then they changed the terms and conditions without notifying me. They keep changing the credit available and when they mentioned that I got a certain credit available on XXXX after the payment, they didn't honor it. 

The point is, they only charged me on XXXX for an agreed amount but not mentioning that I should paid the credit amount that I have used outside the program payment. 

This morning, I called the Rep, she told me the amount that I used that belonged to XXXX credit line... I asked her why she allowed XXXX to charged me an autopay that they didn't appear for months already, and she said she could let another olive oil amount ( that haven't appeared on the statements for months ) went through. I then told her that then I am not going to pay for those amount. She then said that she could decline the olive oil one but needed to keep the XXXX one. 

She even declined American Express has sent me an email notifying me that XXXX has an autopay. She was manipulating what I should think. 

On XXXX this month, AE is supposed to give me $ XXXX credit line, but with the transaction of just less than {$11.00}, my credit line is XXXX. 

This is not the first time happening that I have exercised enough patience. 

She then keeps telling me that if I pay all the rest of unpaid amount, I can have unlimited credit limit... I think this is very deceptive. I told her if I believe in what their card company on the online statement that I have so many credit line and buy something ... and it turned out got rejected .... this would be so embarrassing!!! Shall I ask for the compensation for this too? 

I paid more last month for {$800.00}... I couldn't understand why this happened. AE staff even coerced me in the chat log. There is a recording for the conversation between the staff and me. 

They can cancel my card and terminate the service but not to do things like this. I think your agency should take proper steps to warn them and they should receive disciplines. 

Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
On XXXX I received a notice in the mail from NCB Management services stating that it was an attempt to collect a debt. The letter also had a logo and/or symbol on it. Pursuant to 15 USC 1692b ( 5 ) - Acquisition of location information which states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. That is a XXXX $ violation pursuant to 15 USC 1692k -Civil Liability. This letter also stated that they have different payment options for me to pay them. This is misleading because I never validated the debt. This is a violation of 15 USC 1692e-False and misleading representations which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I have proof of this document attached. this company is also communicating with me indirectly through other companies such as credit reporting agencies after I sent them a cease and desist this is a violation of 15 USC 1692c ( C ) ceasing communication which states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have excellent credit and work hard to maintain my credit rating. Today, XX/XX/2021, I applied for a loan to purchase a house. I was told that a credit check will lower my credit rating with all three credit reporting agencies. I think its ridiculous that the credit reporting agencies prejudge people and lower their scores for an inquiry. An inquiry should have no impact on someones credit report. How is that fair or legal?

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have excellent credit and work hard to maintain my credit rating. Today, XX/XX/2021, I applied for a loan to purchase a house. I was told that a credit check will lower my credit rating with all three credit reporting agencies. I think its ridiculous that the credit reporting agencies prejudge people and lower their scores for an inquiry. An inquiry should have no impact on someones credit report. How is that fair or legal?

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 2021-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX sent a letter to Experian asking them to provide the method of verification for the alleged bankruptcy that is currently showing on the report. they replied stating the bankrupty was verified by XXXX XXXX I recieved a letter from XXXX XXXX stating that they dont have any records of a Bankruptcy. Then Experian stated they received it from the Courts in DC I received a letter from the courts stating they do not provide infomration to the credit bureaus. I have explined this all to Experian and have yet to hear anything from them in reference to the letters I have sent and the acccuracy of my credit report. I would like for Experian to delete the inaccuracy bankruptcy that they have showing on my credit report as it is a violation for the credit bureaus to have inaccurate information on my report.

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