vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Coastal Credit, LLC
State: CO

Complaint narrative:
On or about XX/XX/XXXX I spoke to a representative at Coastal Credit and had made an arrangement to pay {$50.00} to get my XX/XX/XXXX payment deferred, the payment was due by XX/XX/XXXX. I had a problem getting the funds by that date due to the fact that I had to pay my rent and utilities since I am in the process of retiring those things were my priority, so on XX/XX/XXXX i called the company to see if i could pay it on that day. I spoke to the account rep XXXX and he said he would not accept it that I could pay the full monthly payment amount and the he could look at deferring XX/XX/XXXX payment. During the conversation he was rude and i felt harassed and pressured because he said to me something to the fact well you are 31 days past due and it can be reported to your credit bureau and isn't the car important to you. I told him no keeping a roof over my head is more important, so he said well what if we just come pick it up between XXXX and XXXX. I told him to let me know and i would get my stuff out and he could have it. He then said to me well you seem frustrated because you are talking over me I said to him no I am in a hurry to get to work and he kept on with you seem frustrated. He then began to say well he will give me a few days to think about it and follow up with me and he hung up on me. Later that night on XX/XX/XXXX a lady by the name of XXXX called me and we discussed what had happened between XXXX and myself, she said that her manager told her to follow up with me to see what they could do to help,, short of it she was willing to defer the payment and take the {$50.00} with it due by XX/XX/XXXX and a full payment by XX/XX/XXXX. I informed her that I no longer wish to be contacted by XXXX. She said that she would note my file and asked if she could call me on his behalf I said yes, but did not wish to be contacted by him again. Well long story short today XX/XX/XXXX i got a text msg from XXXX at XXXX XXXX my time and that is clearly a violation of the FDCPA. I am not to be contacted before XXXX XXXX my time and not after XXXX XXXX my time and he clearly violated that. Also after reviewing other text msg from this companies reps I also received a text msg on XX/XX/XXXX from someone named XXXX about a payment that I had scheduled that did not go through. This is truly to violations of the FDCPA within about a 90 day span. I called the company this morning ( XX/XX/XXXX ) and spoke to a lady that said she was a manager and that she would report this to the director.  I feel at this point that this is harassment when i am making an effort to communicate with them and to try and make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I made a truck payment in the amount of XXXX on XX/XX/2018 and looked on my account and only XXXX was applied to the account. I can't get them to even acknowledge this much less fix it. I have proof in my bank account that the XXXX was taken from my account as I did this electronically. 
The company is Wells Fargo Dealer Services.

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 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I experienced what I describe as an attempt to intercept and deny my access to a valid credit opportunity. As well as an unfair and deceptive act against me in a financial transaction.

On that day, XX/XX/XXXX, I went to the " XXXX XXXX '' ( XXXX XXXX XXXX XXXX, according to my credit report ) car dealership in XXXX California and completed a credit application with a salesperson. I was told almost immediately that they would get me financing and to just be patient, which I did and is understandable. Once my sensitive personal information was given all communication was via text message. 

After well over a week of waiting, and near a dozen inquiries on my credit, I was told that they were unable to get me any kind of financing. I told them I was willing to accept a counteroffer or sub-par loan due to my circumstance and I was reassured that there was absolutely no offers given to me by any company at all. 

I have now, almost 2 months later, received a letter from Capital One Auto Finance stating that they extended me an offer of credit on XX/XX/XXXX ; and that this offer is no longer valid. My credit score was lowered due to the inquiry by Capital One Auto Finance, while the offer was never actually presented to me in any form. 

I was unable to get to my job and missed two 8 hour work days after XX/XX/XXXX. This would not have happened had I been extended the offer made by Capital One Auto Finance on XX/XX/XXXX. 

This does not seem like an act of fair credit reporting nor a legitimate use of pulling my credit score. I have an equal right to credit, but I can not access this credit when my sensitive personal information is being abused and mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
Once again Roundpoint Mortgage Servicing XXXX has again lost my insurance payment. Which they after 4 years must be doing this on purpose in a effort to gain foreclosure on my house. They are a predatory loan servicing company involved the a predatory lender XXXX XXXX XXXX XXXX.This year they chose to randomly send my insurance payment to XXXX, not knowing if I was renewing, changing companies, selling the house, if policy rate increased etc. When I pay bills I don't just randomly send money to a company and hope its the right one. But this company clearly does and does it yearly. Payment was send on XX/XX/XXXX, the policy expired XX/XX/XXXX. In that time the payment has now been lost and the insurance premium is unpaid with XXXX. Part of the job of these purposely incompetent XXXX XXXX is to service the mortgage and I am yet to receive that service. Upon XXXX contacting Roundpoint, XXXX the representative could not even supply a business address to XXXX. I would assume much like their payment processing these people just randomly show up at a building in the morning and hope for the best. The complete lack of being able to perform any servicing of my mortgage is a direct breach of contract. I the customer and am having to clean up their mess year after year as they try to steal my home. Now the loan has until XXXX for me to correct it before XXXX drops coverage since Roundpoint failed to properly pay them once again. Last years excuse was because the policy number changed, this year they claim the policy number never changed. I will continue to file complaints until Roundpoint is no longer my servicer. They have made no effort over the multiple years to fix this problem.

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 2018-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I transferred XXXX Bitcoins to my Coinbase bitcoin wallet with the intention of exchanging it for USD. Within approx 1-2 hours my Coinbase account showed the transaction as complete, receiving XXXX BTC with approximate value of {$4100.00}. However, the money was never added to my bitcoin wallet and the balance remains XXXX. I had successful transfers to my account before this. I double-checked everything is correct, and my Coinbase account history clearly shows the transaction, I just never received the bitcoins. 

I filed an issue with Coinbase support on XX/XX/XXXX, followed up on an automated reply from them on XX/XX/XXXX, and called them on XX/XX/XXXX. On the phone call, the support person looked at my account and said that it did indeed look like an error on their part and that they would elevate the case for a specialist to look into it. I have not received any replies from Coinbase since, and my messages to their support system have gone completely unanswered. The bitcoins have still not been credited to my account. 

I have complete documentation including screenshots showing all transactions and wallet addresses, a download of my complete Coinbase transaction history, and all communications with their support team.

It has been 8 weeks since their mistake with zero action from Coinbase, which lead me to believe they have no intention of ever resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: HEARTLAND PAYMENT SYSTEMS INC
State: NH

Complaint narrative:
In XX/XX/2014 I signed up for a class with the XXXX XXXX  XXXX XXXX XXXX. The financial obligation statement signed states " I agree that by registering for courses within the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), I am financially obligated for ALL costs related to the registered course ( s ). Upon a drop or withdrawal, I agree that I will be responsible for all charges as noted in the student catalog and handbook. I further understand that if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. I also agree to pay for the fees of any collection agency, which may be based on a percentage of the debt up to a maximum of 35 %, and all additional costs and expenses, including any protested check fees, court filing costs and reasonable attorney 's fees, which will add significant costs to my account balance. '' This statement does not say anything about loan terms. It does not specify an overdue balance being categorized as a loan. No line of credit was provided. The statement does not specify any type of monthly payment agreement. The only thing this statement says regarding credit is " ... if I do not make payment in full, my account may be reported to the credit bureau and/or turned over to an outside collection agency. '' However, this organization is categorizing this balance as an unsecured loan, on a revolving account with a monthly payment obligation, now reporting 32 missed payments on my credit report. Since XX/XX/2014 I have been actively trying to get this reporting resolved with XXXX themselves, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX the collection agency managing the account, and the credit bureaus. When referencing the fair credit reporting act, the institutions actions are in violations in multiple ways. The financial obligation statement is vague and does not clearly explain how they are treating past due balances. With the exception of the credit bureaus, none of these organizations have responded to me directly after multiple disputes. They also have no documentation that outlines a service term, loan agreement or line credit being extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have an unauthorized credit inquiry on my XXXX from Pentagon Federal Credit Union dated XX/XX/2017 that I did not authorize.

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 2018-02-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have an unauthorized credit inquiry on my Equifax from XXXX XXXX XXXX XXXX dated XX/XX/2017 that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently been informed that there is a negative and unauthorized item placed on my credit report which is maintained by Transunion Consumer Relations alleging that i owe {$2500.00}. Section 609 of the Fair Credit Reporting Act clearly stated that it does not matter whether an account is valid or not, Credit Reporting Agencies does not have the right to report adverse item on somebody's credit account without prior authorization from the owner of the account. 

If in fact the alleged reference negative account was reported correctly, do Transunion Consumer Relations have the Legal Right to report delinquent, adverse and negative item on my credit report without my authorization. I humbly request that Transunion Consumer Relations provide me with any documentation bearing my original wet ink signature authorizing Transunion Consumer Relations to place that negative account in my credit report. In the absence of such written authorization, i humbly demand that XXXX Consumer Relation delete that negative account Immediatly

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 2018-02-07 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have an inquiry dated XX/XX/2017 from Navy Federal Credit Union that I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
I received a call from a XXXX XXXX from UCB United Collection Bureau. She had first contacted my parents and had a rude remark about ( Well you are XXXX 's mother you can get a hold of her can you not ). Then said she would remove their number. My parents are not associated with this account, and should not have been contacted in the first place, let alone rudely. I then called to see why she called. She informed me that they had acquired the debt from XXXX, and had not received a payment in six months. We never received any notification of this debt being transferred, and are enrolled in a debt settlement program with XXXX XXXX XXXX who would be managing this debt. She interrupted and claimed that " they don't talk to settlement companies '' and that they would sue us, garnish our wages, and cause trouble to our credit. Again, I informed her that the debt was being handled by a settlement program, and offered their contact information. She yelled that they would not contact a settlement program. She was very rude to me and harassed me and kept demanding we pay them ( by XX/XX/XXXX {$66.00} ) or suffer the consequences. I was very upset and couldn't believe i was talked to like this. These calls have been incessant, disruptive and occur at all hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Have tried numerous times beginning in XX/XX/2017 to seek help with keeping my home through Keep your home California only to be stonewalled by Bank of America as they ask me to apply again and again. I have done so and provided any and all info they requested and done everything they asked only to, be denied again. I am newly divorced and on XXXX but do have income required. I am beyond Exasperated. I believe they are trying to force me to give up my home aka short sale. Help

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 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: MD

Complaint narrative:
I never told u to process me in I cancel before the time limit was up to cancel!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have an inquiry dated XX/XX/2017 from XXXX XXXX XXXX XXXX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
A debt collection company claims I owe them in excess of {$10000.00} dollars. Through disputes I have had over {$9000.00} removed as zombie debt by both XXXX  and XXXX In response to this, the debt collection company has filed suit against my former employer for wage garnishment. I believe suing a company for whom I no longer work, for debt that no longer exists, constitutes harassment. I intend to file a complaint with the Washington State Attorney General as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: CarMax, Inc.
State: MD

Complaint narrative:
I have a credit inquiry dated XX/XX/2017 from CARMAX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACI Worldwide, Corp.
State: OH

Complaint narrative:
XX/XX/XXXX ACI /XXXX , XXXX . 
{$350.00} Contacted XXXX , XXXX. and requested this debt be removed from my information. I was told it was from XX/XX/XXXX. Advised representative that I have never had a credit line through XXXX and only opened a XXXX account that is attached to my bank account in XX/XX/XXXX. Was advised it looks like fraud. No info on what they are doing to resolve issue .. XXXX , XXXX. And ACI seem to be running a scam because there is a message board with tons of complaints about this. 

ACIs phone number is ( XXXX ) XXXX PayPals phone number ( XXXX ) XXXX Please inform

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have a credit inquiry dated XX/XX/2017 from XXXX that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services
State: CA

Complaint narrative:
BYL collections, XXXX XXXX and XXXX XXXX XXXX, Representative XXXX, contacted me reguarding a bill with XXXX XXXX XXXX. The bill is due to identity theft. The spelling of my name is incorrect, I never lived in XXXX XXXX, NV. XXXX XXXX XXXX informed me the bill has a contact person being XXXX XXXX. Neither company can provide me with any documentation containing my signature, only a computer printout. This company is requesting me to fill out fraud papers with my signature, but I refuse because I am afraid to give any information to this company to give them identifying information to pin this bill on me. I sent the paperwork to the three credit bureauls with a police report. This is an attempt to collect a debt not owed by me. this is not my debt. I tried to resolve it with the company but they insist on making me pay this bill but IT IS NOT MY BILL! I want proof of validity of this account and when it cant be provided I want a deletion as well as for them to lose my information and stop harassing 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 2018-02-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent correspondence to equifax multiple times with no response to the inaccuracies on my report. I have sent one letter without police report and another letter with 2 police reports in order to clear this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have multiple cards with capital one. Their automatic payments was taking out amounts I did not approve. I asked my due date to be changes several times, I was told it would be successful but never way. I don't know of any other credit card that has a due date at the end of the month.

Company response to consumer: Closed with explanation