vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Recovery Consultants, Inc.
State: OH

Complaint narrative:
I get repeated phone calls from XXXX regarding debt collection. I have no debts in collections. I have a car loan that is ten months ahead, a credit card that is paid off in full every month and all of my medical bills are paid off completely. I do not have any active collections accounts in my credit report. I XXXX the number and it comes back as Professional Recovery Consultants. I have had no written notice from anybody about any kind of debt that I have in collections and believe this to be a scam operation.

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 2017-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a letter on XX/XX/XXXX under my name and my ex wife 's name at my parents address. The debt is tied to my ex-wife and the divorce decree states all debt under her name is owed by her and not me. This is the first letter I have ever received and from Transworld Systems Inc. ( XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX ). The letter was dated XX/XX/XXXX to my name for the amount of {$60.00}, the original creditor is XXXX XXXX, patient name is ex-wife, and account is under ex-wife. The second letter I received was dated XX/XX/XXXX to ex-wife name for amount of {$16.00}, the original creditor is XXXX XXXX, patient name is ex-wife and account is under ex-wife. The account name on each letter at bottom is my ex-wife.This is the first time I have heard of these debts and due to the divorce decree, these are not my debts. Also, this was sent to my parent 's address, which is very disturbing and would like removed from any records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX XXXX, XXXX I opened a coin base account and transferred {$5000.00} into my XXXX wallet within the account and purchased XXXX XXXX coins for {$3000.00}. After this I transferred XXXX back into my bank no problem. so now I am left with {$3500.00} in my XXXX wallet and about XXXX XXXX coins. After this for some odd reason I was unable to move my money from my USD wallet back to may bank and I was unable to sell my XXXX. whenever i would attempt to make a transaction within my account a message would appear : " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn ''.  Then I proceeded to the link and provide my information. I provided my information correctly multiple times however, coin base system will not verify my identity even though I am who I say I am. So now after developing distrust with coin base my moved my XXXX to a different virtual wallet, but my XXXX is still left locked within my coin base account. Coin base has been terrible with trying to help me. they say their " specialists '' are taking a look into my case and when i ask them who the specialists are and where their offices are they have no answer. I would juts like my XXXX in my XXXX wallet back into my bank. 
Coinbase : " We have been experiencing a high volume of escalated cases recently and would like to thank you for your understanding and your continued patience while we review your account. XXXX # XXXX If your request is cleared, well send you an email. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
The aforementioned credit collection agency representing XXXX XXXX XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX does not have any documentation, they need to retract this from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
On XXXX XXXX, 2017, I received a phone call from XXXX XXXX XXXX XXXX ( a PayPal debt collection company ) at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I have tried over and over again to work the the debt collections companies to get these debt remove. The debt they claim I owe does not belong to me. I have sent both companies documents to prove so and I never heard a response from neither of them. I do n't know what to do because I 'm so fed up. These bad debt is causing havoc on my life and I need this negative information taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: Convergent Resources, Inc.
State: VA

Complaint narrative:
The company is representing cox say my account closed on XXXX XXXX 2014 but the kept billing me claim invoices was not available then sent some with the wrong account number, and the XXXX plus refund Their on documentation show and support what I just said They claim its correct by their own paper work do not not support their action or position

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 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
I called the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX on XX/XX/17 regarding a road toll debt I informed XXXX that because of this debt a DMV hold was placed on my plates, I asked if I could get a settlement on the XXXX she offered me XXXX. I called today XX/XX/17 to pay the debt, when I called and spoke to XXXX I adv her of the settlement offer and wanted to pay it. She informed me that the settlement offer was invalid since I had the DMV hold I adv her I told the original woman about the hold. I then spoke to a supervisor XXXX and she told me the same thing. I said I will report this but I had to pay the full debt to get the hold taken off my DMV tags. Then I was transferred to the payment rep and when I got over there and I said I wanted to pay the debt she took the payment. I then asked for a receipt of the payment and I was told they do n't send out receipts I asked to be transferred back to a supervisor XXXX and she told me it is policy not send out receipts and the rep was supposed to inform me of this before they took the payment ( She did not ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Acting upon an email flyer to apply for a HELOC or HE Loan from Capital One ( I have a small savings account with them from the days when ING Direct was bought by them ), I applied. It has been almost a year since I had refinanced my XXXX mortgage and HELOC into a single mortgage with XXXX XXXX, and I was seeking to tap some of the equity in house and property appreciation and payments made to cover some upcoming expenses and some minor but needed house maintenance. I live in an area that appreciates well and am not a serial refinancer, so I asked for $ XXXX, which would take me up to what I thought would be 80 % LTV though I was okay with a somewhat smaller number if the appraisal did n't match up with my own research. ( This research said my best value would be $ XXXX. ) I earn $ XXXX per year and have a FICO score in the low-to-mid XXXX, so I thought this would work out to a useful conclusion with minimal closing costs. 

A few weeks ago, Capital One pulled the plus on its entire mortgage unit, but did not inform applicants until weeks later ( though news releases were done contemporaneously ). Just before this action, the appraiser hired by Capital One came out and came up with an appraisal completely at odds with all of my research ( which included a house down the street that sold 6 months ago and a market study provided me a year ago by a friend who is a real estate broker ), as well as the appraisal done at the beginning of this year by XXXX as part of the refinancing mentioned earlier. And, I do n't mean a less than expected result, but a result that was SIGNIFICANTLY less than any of these other data points. I complained, and sent in these other data points, but was told that the shutdown meant that no more appraisals would be done. As of today, they have turned down the loan, even though the mortgage specialist to whom I was talking assured me repeatedly that this would not happen and that all applications already in the pipeline would be fully processed out. 

It is apparent to me now that the appraisal, which is WELL outside the bounds of what could be expected, was engineered to support this result. So, I expect that many - if not all - applicants already in the Capital One pipeline can be denied to go along with the closure of the unit. It already has been very difficult to get ahold of folks at the call center, which I 'm sure is already being disbanded, so there is no point in seeking further relief from Capital One. Hence, I 'm filing this complaint, and trying elsewhere. 

The Mortgage Specialist was XXXX XXXX at XXXXXXXXXXXX and XXXX ext XXXX and fax XXXX. Here NMLS # is XXXX. The Appraiser is XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This insurance company cancelled my insurance, so i switched to another one, so i will not pay this debt!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I received a letter from Citi Bank that stated I was enrolled in Credit Protection Program. Since I have never had a banking account with Citi Bank I called the Citi Banks customer service on XXXX XXXX, XXXX. The Banks representative asked for my SSN and checked if there was any active bank account on my name. Luckily, there was none. However, the letter included the account ending number : XXXX and the Customer Reference number : XXXX. So obviously, there was some account opened in the past. 
I would like the CFPB to investigate this matter. I am very concerned of stolen identity and fraud. 
Thank you in advance

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 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, Kia Motors finance contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX. As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I took out a car loan for XXXX with Ally financial in 2011. They have withheld account information to me, lied about my payment plans, used extortion and bullying to squeeze exorbitant amounts of cash well over what I originally agreed too. I have put over 30,000 dollars in this car and they are still harassing me.

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 2017-11-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: GreenSky, LLC
State: ID

Complaint narrative:
The summer of this year our heating and cooling system broke down beyond repair. We got a quote from a company named XXXX XXXX XXXX XXXX XXXX located in XXXX, Idaho. The quote they gave us was for 2 kinds of systems and they said they would apply for a loan for us to pay. We were going to make a payment of the difference but never heard from anyone about that and once the work was completed many week later I saw that the cheaper system was installed. The first quote was for a system that rated XXXX XXXX in the amount of {$9900.00}. The second was for a better rated system rated XXXX XXXX that would be {$1300.00} more. We asked for the better system and the person we spoke with said they could wait for a payment of the difference. The work took much longer than we thought it would, weeks longer. When it was completed I saw that they had installed the cheaper system but we had been billed for the higher priced one. I contacted the loan company as soon as I knew what company we had the loan with. Greensky, they billed us for interest right away. I made a payment for the interest amount before the work was even completed and contacted them to let them know the amount was incorrect. I had to contact XXXX XXXX XXXX XXXX XXXX several times to let them know we had been billed incorrectly and finally was told they would correct the error. Still after all these months the error has not been corrected. We have been overcharged interest and the original loan amount was incorrect. It took over a month for them to install the unit but the loan was taken out and interest started before work was completed. I keep getting a run around with the loan company. I was told things would be corrected months ago but nothing has changed and we keep getting charged more plus interest and fees. 
The loan company is XXXX XXXX XXXX. The first statement I have was in XXXX 2017. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of Carbon County
State: CO

Complaint narrative:
I RECEIVED A CALL YESTERDAY FROM A RANDOM COLLECTION AGENCY WHOM LEFT A MESSAGE ON MY VOICEMAIL. WHEN I RETURNED THE CALL THEY ASKED FOR MY PHONE NUMBER AND NAME AND THEN STATED THEY HAD DIALED MY NUMBER BY MISTAKE. ON XXXX IT STATES THEY ARE HIGH RISK FOR SCAM AND OR FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below INQUIRIES XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$1200.00}

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 2017-11-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Loan Number # : XXXX Select Portfolio Servicing Account # XXXXOur current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back  to XXXX ) on our Non-Agency Securitized Mortgage since originated in XXXX with XXXX XXXX XXXX XXXX. Since XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers indicating " the loan investor/ Loan owner ( XXXX XXXXXXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XXXX/XXXX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX XXXX last filed documents with the SEC in XXXX ). SPS indicated in XXXX of XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 54 dating back to XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX for assistance as they are referred to as the Trustee of our mortgage by all 6 servicers. They have indicated that they do not have contact information on the actual investors/loan owner, yet they continue to deny indicating that the denials are coming from the investors at the direction of the XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech Financial LLC, on XX/XX/XXXX a representative named XXXX contacted me via phone and left me a voicemail to cantact them at XXXX. I contacted Ditech on the same day and spoke to a representative XXXX how stated that my account was past due in the amount of {$42000.00}. I informed XXXX that I have made all my payments and have been paying an extra XXXX above my monthy amout of {$1600.00} for a total of {$1700.00}. I informed her that I had done a loan modification on XX/XX/XXXX, with the previous mortgage company XXXX XXXX who sold my note to Ditech Financial. On XX/XX/XXXX I was contacted by Ditech Financial by a  representative named XXXX, stating that they had resolved my mortgage and my account was being updated to current but that it would need to be manualy imputed into the system as the computer would not reconize it. I specificaly asked if this would be reported to the credit agencies as Deliguent Account. On XX/XX/XXXX I recieved an alert from XXXX showing that Ditech Financial had reported my account as Deliquent 30, 60, or 90 ...
Now my Credit Score went from XXXX to XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, XXXX XXXX XXXX contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.

Company response to consumer: Closed with non-monetary relief