vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Coastal Credit, LLC
State: CO

Complaint narrative:
NEW DOCUMENTS SUBMITTED FROM ATTORNEY FILE.  Coastal Credit,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , CO  XXXX , issued a loan to me for a     XXXX   XXXX   XXXX  . I purchased the   XXXX   XXXX   from   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  ,  XXXX , CO  XXXX  ( Exhibit A ). I returned the vehicle prior to  3 business as  the dealership violated the Law of t he State of Colora do. I contacte d Coastal Credit regardi ng the returned vehicle and instructed them to withdrawal thei r EFT payment to     XXXX   XXXX  . The company refused. I hired the law firm of  XXXX ,  XXXX ,   XXXX   XXXX   XXXX   XXXX  , to defend me regarding the actions of   XXXX   XXXX    employees ( Exhib it B1 and B2 ). In  addition, I contacted State of Colorado  Criminal Investigator,    XXXX   XXXX  , to file a criminal complaint against   XXXX   XXXX  .  Attorneys fo r   XXXX   XXXX   agreed to settle out of court and refund  Coastal Credit  for the cost of the loan. I continued to pay  Coastal Credit ti mely payments until the lawsuit terms indicated I no longer had to a s Coastal Credit wa s made aware of the fraudulent loan within 3 days of the purchase of the vehicle. However,  Coastal Credit refused to honor Colorado law an d victimize me further. Moreover, the State Criminal Investigation did conclude my rights were violated and  Mago Auto wa s to refund the cost of the car ( Exhibit C ). I complied with State Law and made payments to  Coastal Credit, retu rned the vehicle to  Coastal Credit as I was d irected by the court to do and I was not required to make any further payments to  Coastal Credit. Coastal Credit fail ed to file theft charges against   XXXX   XXXX   or recall the loan. Their failure is not a failure on my behalf to have a charge off on my credit. As is consistent with Colorado Law the charge off as listed on my credit reports with  XXXX ,  XXXX , and  XXXX  by  Coastal Credit is a fra udulent entry must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN it 's providing incorrect information on my credit report in which does Not belong to me from this, Company   XXXX   XXXX   XXXX   XXXX   claiming two differenced Balances one of {$29.00} and other Balance of {$38.00}.
<P/>
Address :   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , FL  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 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
This debt is n't valid, the contract is null and void due to the fact the spelling of the name listed is n't mine. I will be getting in contact with an attorney and filing suit if this is n't removed from my credit. I know my rights as a consumer and I know FDCPA laws.

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 2017-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Zales Store re cently offered me a Credit Card ( issued by Comenity B ank ) at 0  % interest rate for 12 months. What they did not disclose was a fee of {$9.00} is applied to customers ' credit card for this offer.  <P/> On   XXXX   XXXX   XXXX    , I visite d Zales to p urchase a ring. While attempting to pay I was offered the option to get a store card for 0 % interest rate for 12 months ( instead of paying immediat ely ). The  application was submitted and approved for $  XXXX  by me giving the store rep my  SSN. Th e card arrived on  XX/XX/XXXX  and I immediately registered to view the account online. I noticed that in addition to the charge   ( for ~ {$1500.00} ) and extra {$9.00} was added for " Promo Fee ''. This fee was not disclosed at the time I was offered the card.
<P/>
1. On    XX/XX/XXXX , I called Comenity B ank ( the card issue r ) to inquire about the fee ; I was told that they ( Comenity Bank ) did not apply the charge and that I should contact  Zales 2. I visited Zales ( minutes later ) and they  stated the charge was not applied by them but rather, by Comenity Bank  3. The Zales rep wa s absolutely unaware of any fees being applied ( for  the 12-months 0 % APR option )  and opted to call Comenity Bank while I was at the store. Comenity Bank finally admitted that they applied the charge but needed a supervisor to reverse the charge. The supervisor finally came on the phone and flatly refused to reverse the charge.  <P/> As mentioned, this fee was not disclosed ; I would not sign up for a program that is offered at 0 % interest rate but charges {$9.00} monthly for the privilege of 0 % APR for 12 months. I have canceled the credit card but Comenity Bank insists on collecting the fee. Kindly assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
First off, my mortgage company said that I owed {$8000.00} on my XX/XX/XXXX statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on XX/XX/XXXX and cleared the mortgage company on XX/XX/XXXX. In XX/XX/XXXX, I received another bill saying that I still owed an additional XXXX over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that BSI ( loan servicing company ) reported to all three credit bureaus that I was late for my XX/XX/XXXX payment. My broker at XXXX XXXX XXXX got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of XXXX to an average of XXXX and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems. <P/>In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the XX/XX/XXXX or the latest the XX/XX/XXXX of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the XX/XX/XXXX then they charge me at least {$120.00}.

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 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
This company is trying to collect {$360.00} from me for a medical bill they claim I owe. I have written them several letters since  XXXX     2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation  to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified consultant never notified me of the debt, I found out about the debt by pulling my credit report and I called to verify, they refused to verify or validate. I called and settled for   XXXX   from  XXXX  oringal amount from  XXXX  and I asked for confirmation from my payment I made with my credit card and to this day I ca n't get anything from them. Every time I call they always give me the run around and still reporting to  XXXX  as a debt and send a different balance every week Messing up my credit report. I have called over 15 times still nothing I have disputed with  XXXX  and they still saying verified and I still ca n't get this removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Original creditor   XXXX   XXXX   XXXX   XXXX  (   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , KS  XXXX  ), is reported on my credit report on all  XXXX  bureaus as a collection debt. This debt was paid on  XX/XX/2014    for  XXXX  to a debt collector  ( Ad Astra Recovery Services    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , KS  XXXX  ).  Ad Astra b ought the debt from   XXXX   XXXX  . I want this debt to be removed. They show inconsistent data across all  XXXX  credit bureaus and no visible account number can be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: CA

Complaint narrative:
First off, my mortgage company said that I owed {$8000.00} on my  XXXX  statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on  XX/XX/XXXX  and cleared the mortgage company on  XX/XX/XXXX . In  XXXX , I received another bill saying that I still owed an additional 6k over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that   XXXX   ( loan servicing company ) reported to all  XXXX  credit bureaus that I was late for my  XXXX  payment. My broker at   XXXX   XXXX   XXXX   got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of   XXXX   to an average of   XXXX    and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems.
<P/>
In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the   XXXX   or the latest the  XXXX  of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the 15th then they charge me at least {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
First off, my mortgage company said that I owed {$8000.00} on my   XXXX   statement and I called three times to get an explanation of why they said I owed so much money. The reps could n't explain it to me so I went ahead and paid my regular mortgage payment which was mailed on  XX/XX/XXXX  and cleared the mortgage company on XX/XX/XXXX . In  XXXX , I received another bill saying that I still owed an additional 6k over my normal payment so I called my local mortgage broker to see if they could help. They end up calling the loan servicing company and determined that it indeed was an error on their part. Unfortunately, while my local broker was working out the details with the loan servicing company, I was notified that   XXXX   ( loan servicing company ) reported to all  XXXX  credit bureaus that I was late for my   XXXX   payment. My broker at   XXXX   XXXX   XXXX   got them to finally adjust my bill and even mailed in my may payment for me but they have been unable to get the delinquent mark off of my credit. My credit went down from an average of  XXXX  to an average of   XXXX    and it has quite negatively impacted my personal and business finances. I have called every other day and nothing seems to be helping. I ca n't express how frustrated I am with my mortgage company. It has been nothing with problems.
<P/>
In addition to the credit issue, I also have received numerous late payment fees of over {$100.00} even though I have the payment postmarked and on its way by the  XXXX  or the latest the  XXXX  of each month. They say it takes about 10 days to show up in their system but it sometimes takes a lot longer than that and if they post a day after the  XXXX  then they charge me at least {$120.00}.

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 non-monetary relief
Consumer complaint received 2017-06-09 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: GA

Complaint narrative:
I recently filed a complaint against this company ( XXXX ) for reporting negative information to a credit bureau in an attempt to assist the original creditor XXXX XXXX XXXX in destroying my credibility by reporting a paid account as unpaid when they ( XXXX ) gave them ( XXXX ) the money I paid them ( XXXX ) for the debt. As you will see in the attachments. XXXX responded to CFPB by stating they will remove it, as of today they still have n't removed it in fact they have reported to the bureau I owe them. Which as you see in the attachment is not true. I also faxed proof of payment to Equifax who is required to remove it with valid proof of payment. Instead they continue to report the fraudulent account as an unpaid collection when in fact it is paid. My bank never reversed any funds from the XXXX card as XXXX stated in the response from the previous complaint because they could n't. They did however return to me the funds for the check I sent to ( XXXX ) because XXXX mailed it back to me for them. Here again XXXX assisting XXXX in this act of malicious fraud and violation of the FCRA guidelines in reporting. I ask that if both XXXX and Equifax do n't remove this act of fraud that they be penalized for violating FCRA guidelines. Thank you again for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX, I visited a Zales store in XXXX to purchase an engagement ring. I was induced to purchase a ring at Zales because the salesman assured me that I would not pay interest for the first 12 months. When I inquired further about the interest, he said that starting on the 13th month, interest would begin to accrue at about 30 % APR. I specifically asked if it was a deferred interest deal and the salesman assured me that it was not.
<P/>
I accepted the salesman 's offer of zero interest for the first year and purchased the ring. On XX/XX/XXXX, only a few days after the one year anniversary of the date I purchased the ring, I called Zales to pay the entirety of the bill for the ring so that I would not accrue interest. Much to my surprise, they informed me that I must pay {$620.00} because my promotion was in fact a deferred interest deal. I explained the conversation I had with the salesman and I was offered a 33 % reduction in interest. I asked to speak with a manager, and the manager I spoke with offered me 50 % off. Since I was sure there had been deceptive practices involved in the sale of the ring, both in a misrepresentation of fees and costs and misrepresentation of the benefit of the product, I did not accept the offer. The manager informed me that he would draft a complaint letter for my review and signature and my interest would be stayed for 30-60 days ( I understood that this date would start on the date I submitted the signed complaint ) while it was independently assessed by an arbitrator.
<P/>
On XX/XX/XXXX I called Zales to get more information about how to submit my complaint. I again was transferred to a manager who stated that my complaint was submitted on XX/XX/XXXX and was resolved on XX/XX/XXXX. She informed me that interest would therefore not be stayed. I asked her for the 50 % reduction that the previous manager had offered and she informed me that there was no evidence of such an offer being made and she was not empowered to waive any fees or costs.
<P/>
As a consumer I am deeply concerned with Zales ' deceptive advertising practices. I respectfully request a waiver of the interest incurred during the first 12 month period. If this is not possible, I request that my interest be stayed while I seek legal counsel regarding this matter.
<P/>
Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I have  XXXX  accounts with Coinbase.   XXXX   is a bitcoin account, and the other is an Ethereum account. I have a verified driver license on my account, and they are asking me to submit another ID to perform any buy or sell requests. Their website continually does not accept my Global Entry ID, so my accounts are frozen. I have a total of {$180000.00} in   XXXX   accounts. I have submitted several requests to have them verify another ID, or have me submit another form of ID such as a phone bill, and they are not getting back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I continue receiving unrequested and unwanted promotional offers for credit cards from  Capital One. I  had this same problem at my previous address and filed a complaint with the CFPB, which you promptly addressed. I hope can fix my current problem too. After receiving several unsolicited and unwanted offers from Capital  One at my  new address, I submitted a 5 year opt out request at  XXXX  on  X/XX/2017   , because I was not certain I had submitted a request for my new address. However, I suspect I did b ecause Capital One is th e only card issuer I have received solicitations from. In spite of my opt out submission I continued receiving offers from C apital One so  on  X/XX/2017    I called  Capital One  and notified them directly that I did not want to receive any more solicitations from their company. I was told my request would be processed wi thin two weeks, a fter which I would not receive any more solicitations from  Capital One . On  X/XX/2017   , approximately  4 weeks after su bmitting my request, I received another solicitation from  Capital One. I ha ve not had any business with this company such that they have a legal right to keep harassing me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/2017     Capital One was d eceitful in the mailer offer received I do not fill that the offer or cli provided was given with regard to my rights under the FCRA. To add further insult I feel I was treated poorly based on m y sexual orientati on and multiple times I was called a Ma'am during the call when I have applied a male -  XXXX  is not a female name -  XXXX  is ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Moore Law Group
State: CA

Complaint narrative:
On  XXXX / XXXX /   16  I Filed complaintforOLD DEBT Collection on  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  : complaint #  XXXX . We did not hear from them again until today. Today we received a Court document from  XXXX   XXXX  of California  , County of    XXXX    located at  XXXX , Ca. saying that  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has filed a Substitution of Attorney -- Civil ( Without Court Order ) to new attorney The Moore Law Group,  XXXX  under name  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   ,  Ca.  XXXX . I would like to file a complaint against both attorneys who are harassing me in regards to this very old debt. Please contact this attorneys in regards to this complaint immediately.

Company response to consumer: Closed with explanation