vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
In around XX/XX/XXXX or XX/XX/XXXX I was XXXX years old and living with my parents and I was forced to sign a lease contract in which under California law that 's a violation. 
XXXX XXXX XXXX XXXX had me sign the lease contract online by force and if I would n't sign the lease I would n't be allowed to live with my parents. 
My parents did n't know and I told them, but we need it apartment and we did n't say much or else we would n't have a place to live. 
I have filed many complaints against XXXX XXXX XXXX and collection company Fair Collections and Outsourcing XXXX XXXX XXXX, XXXX XXXX XXXX, MD.XXXX.XXXX. 
My credit scores and credit is destroyed because of XXXX  XXXX XXXX, Collections and Attorneys forcing me to pay {$3700.00}. 
My Dad XXXX XXXX XXXX XXXX XXXX Military Veteran and XXXX and XXXX file a Federal Bankruptcy Chapter XXXX in XXXX, Texas and debt of {$3700.00} that was his was included in the bankruptcy.Federal Judge discharged Bankruptcy on XX/XX/XXXX, Filed case # XXXX My mom XXXX XXXX and my sister XXXX XXXX should n't be liable for debt as my dad was the wage earner and primary leasr on XXXX XXXX XXXX  Contract. 
I am been Retaliated and Discriminated because I am XXXX and also my mom and sister. 
All our credit is been destroyed because of the Retaliations against us as XXXX. 
XXXX, XXXX and XXXX has collections of debt of {$3700.00}. 
Me and my sister was high school students back around XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX. 
My mom had a low wage job. My Dad was employed by XXXX XXXX XXXX in California where he had high XXXX My dad had to retired from XXXX XXXX XXXX with a XXXX XXXX on XX/XX/XXXX. 
I can not succeed in life without excellent credit.

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 2018-01-11 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: VA

Complaint narrative:
I have a fraudulent hard credit inquire from XXXX XXXX XXXX. XXXX XXXX XXXX has notified Equifax that is was a fraud inquiries, but they will not remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called to dispute money that was taken out of my account by Bank of America on approx. XX/XX/XXXX for XXXX and XXXX case number : XXXX case number : XXXX I opened this account for child support. Bank of America took money out of my child support money that I use for my child. SMH ....

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 monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: First Associates Loan Servicing LLC
State: NY

Complaint narrative:
I 'm an receiving debt collections calls from XXXX XXXX XXXX XXXX XXXX XXXX about an account that is not past due. I am being refused the option to speak wit ha supervisor about stopping the calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My son XXXX XXXX. He had Citibank account in XXXX, Fl. I took A trip to the branch and handed XXXX XXXX the XXXX XXXX and told him my son XXXX XXXX and that the lawyer needs print outs of what is in the account. I gave him all the information he needed to provide my lawyer. He gave me a card and said that He would take care of it and that I should call him in a week. I had to go back to South Carolina and I continued to call and leave messages. Its going on 3 weeks and I havent heard back from XXXX and I have not heard from any of the representative from that branch. I called every number I can to have someone help. I need this paperwork for the lawyer and no one wants to help me. Please contact me I am Current at my daughters 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 2018-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC
State: NY

Complaint narrative:
XXXX XXXX collection agency reached out to regarding a debt that was fraudulent in my name I advised them that I never opened the account I spw XXXX they advised me to contact the company which is XXXX, spoke to XXXX they advised me that I dont owe any $ $ & they sent me a letter stating such..I then contacted the company they refused to disclose theyre name I was transferred around as they played games on the phone, I called them a few days later & the representative said just pay the bill & hung up..I wrote them a cease & desist letter because they refused to send me proof of the debt..there located in PA & there telephone # is 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 non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX {$1.00} and {$3.00} were attempted to be pulled from my Bank of America account, there were not funds in the account to cover and charges were returned and I was charged {$35.00} for each item. This is gross overcharging and I requested the fees be reversed.

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 monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I contacted bridgecrest XX/XX/XXXX to ask for a defreement as my wife was having XXXX i was told to call back on friday which i did i was told they were not doing that at this time. On XX/XX/XXXX my wife had to go back in for emergency XXXX. I contacted them agsin askung for help again was denied. Then the phone calls started 20 times in a 10 minute period. I keep in contact with them begging for help and denied denied denied. They keep saying ee dont have to help you just pay more i had to pay to save my wifes life i only make so much money. Im a good customer.

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 2018-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Several months ago, I called Navient to update the bank account on file for my automatic payments. I 'm in a program, where I pay a lower amount with automatic withdrawals. I also changed the payment date for that month. The rep that I spoke with did not update the bank account on file. Once I realized what happend, I was over a month behind or more. When I called Navient, the only help I was offered to stay in the payment program is to set up new payment dates, update the bank account on file. Which I did. I was told, that I can do a forbearance once the program expires in several months on the past due balance. I was also told the collection calls to me and my co-signer ( My Mom ) would stop. Several weeks to a month later, Navient began calling my Mom at work several times a day, making false statements that my payments are not going through, they are declined due to a wrong credit card number ( I do n't pay with credit cards ). They are demanding that she makes my student loan payment. 

I called Navient back. The rep I spoke with was very rude. She advised, that she will not stop the phone calls to me, or my Mother at work. I explained that I am in a repayment program, with future payments scheduled. She said, she will not stop the calls to Mom at work ( that 's a violation of the fair debt collection act ). My Mom, keeps getting phone calls each day, despite me having payments set up. Navient is also discussing other loans, without her name on the loans with my Mom, discussing my overall balance, amount owed and etc. Also, after 3-4 years of making payments, my balance has n't even went down on my loans, it has instead increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''

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 2018-01-11 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: NY

Complaint narrative:
Again zero proof that I ever gave XXXX XXXX authorization to pull my credit. All they keep coming back with is canned generalized statements like " Our prior responses thoroughly and accurately addressed your concerns relating to our credit inquire. '' Really? Over and over I 've requested proof of consent into pulling my credit inquire, but to date XXXX XXXX  has been unable to provide any consent from me and therefore is in violation of my rights as a consumer. If XXXX  does not provide the necessary proof of my credit inquire authorization and refuses to remove the hard inquire from my credit reports then i will escalate this matter to my states DA 's consumer complaint dept. 
FYI - Ripoff Report Submitted : Thu, XXXX XXXX, 2014 Updated : Thu, XXXX XXXX, 2014 Reported By : XXXX New York " XXXX XXXX joins a long list of double-tongued lending shysters who say one thing and do another. 

A prime example is when they intentionally ding a prospective customer 's FICO score with a HARD INQUIRY, even when they are asked NOT to do so in advance. 

The truth be told, they hide behind a so-called legal right to shake down anyone in whom they choose, just because the potential customer asked what the ballpark parameters for pre-qualifying would be. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
i have seen hard inquiry for certain lenders with out my permission

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 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
My account on XXXX has been temporarily suspended and there is no sign of them opening it. My bank reversed a transaction and it had locked my account down. I 've contacted coinbase several times and this issue has went unresolved and unanswered. I sat on hold one night for 2 hours just to be told that it was escalated and have a nice day. Since then, I 've not received one response back. On XX/XX/XXXX I asked about a {$300.00} transfer that was sent to binance by myself, but never showed up. Case # XXXX and that went unresolved. 
XX/XX/XXXX ( # XXXX ) was when the account locked down and I also have $ 300+ in there. I 'm been removed from the {$600.00} I put in it between the transfer to XXXX that did n't go, and the other half that they are holding hostage on there exchange. 
Case number # XXXX Case number # XXXX follow up from call, still no action. 
# XXXX. Final reply no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report reported by XXXX XXXX XXXX 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 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
1. We opened a mortgage in XXXX. 

2. Between then and XXXX, we made escrow payments totaling {$4600.00}. 

3. We asked Ditech to close the escrow account in XXXX. 

4. They closed the account in XXXX and refunded us {$1500.00}. This means they still owe us {$3000.00}. 


5. On XXXX XXXX, we sent the following letter : Hi, Thank you for closing out my escrow account. 

In reviewing the documents associated with my escrow account close-out, I believe that you refunded me too little money. You refunded me {$1500.00}. My calculations in the attached spreadsheet show that I contributed {$4600.00} to this account. Please promptly refund me the difference of {$3000.00}. 

Thanks, XXXX 6. They wrote back a letter which I have attached below. The letter says " Enclosed, for your records and review, is a copy of the HUD-1 Settlement Statement.  Please be aware that this statement does not reflect taxes being paid during the origination of this loan. '' 7. Ditech 's second sentence is factually incorrect. The first line on Page 4 of 4 in the HUD settlement shows that we paid {$6800.00} for " 2016 2ND INSTALLMENT TAXES XXXX to XXXX XXXX FOR 2016 TAXES '' at the closing. XXXX XXXX XXXX XXXX XXXX paid our property taxes and refunded us XXXX on XXXX XXXX. This refund posted to our account on XXXX XXXX, see attached. )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: DC

Complaint narrative:
i have seen hard inquiry for certain lenders with out my permission

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 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TCF NATIONAL BANK
State: DC

Complaint narrative:
i have seen hard inquiry for certain lenders with out my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX my account on cryptocurrency exchange gdax.com owned by CoinBase Inc. was temporally suspended without any explanation why and what happened to cause my suspension ( see pic 1 ). Right the way I contacted their customer support email that they show on their website but for my surprise that email is disabled. ( see pic 3 ). Found another email and emailed it on XX/XX/XXXX. ( see pic 6 ) After I did not receive any response from them via email tried to contact their customer service phone XXXX. After multiple calls even after being on hold for over an hour and a half I was not able to reach any of their representatives ( see pic 7 ).

At the moment of suspension my account on gdax.com had : Lightcoin XXXX coins worth {$2800.00} on XX/XX/XXXX Ethereum XXXX coins worth {$5600.00} on XX/XX/XXXX US dollars about {$3500.00} ( See pic 2 ) Recently I found out that I 'm not able to add bank account for withdrawal of my money ( {$4000.00} ) from coinbase.com also owned by CoinBase Inc. ( see pic 5 ) I can not believe the biggest cryptocurrency exchange in the US has such a poor customer service.From what I read online in reviews and forums hundreds of people are in the same situation as me and their money put as a hostage of CoinBase Inc.  Denying access to funds for thousands maybe millions of dollars to me and many more customers out there should be unacceptable but it seems like it is becoming norm for Coinbase Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report reported by XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I do n't have any judgement in XXXX XXXX XXXX, MD in the amount of {$2700.00} as stated on my credit report reported by XXXX 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