vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EZCORP, INC.
State: NY

Complaint narrative:
I took out a payday loan in XX/XX/XXXXXXXX for {$440.00} from EZ Corp. In XXXX XXXX Iowa. This is n't the first call that I have received from this shady collection company. They claimed that their name is XXXX Investigations and that there is a pending criminal case being held against me, and that I will have a warrant issued against me and they will come to my work or home and pick me up and process me at the police station. they also called my XXXX year old grandmother and used the same scare tactic on her about me, she called me very upset and concerned. I called this company back and they said that my balance was {$2000.00} with attorney and court fees. I told them I would try to take care of this even though it was included in my chapter XXXX bankruptcy in XX/XX/XXXX. They said they would contact whoever to see if they could get the charges dropped and get me into a repayment arrangement. They came back with {$790.00} which is still way higher than what I actually owe, they said I have until the end of today to pay that amount or the charges were going to be pursued further. when I notified the woman that I could not afford that amount. and i told her that the call was being recorded she became irate and combative and hung up on me. She also gave me an address of XXXX XXXX XXXX XXXX XXXX Texas XXXX I 'm not sure if that is a good address or not of if she gave me a bogus address. She said her name was XXXX XXXX and the phone number she gave me was XXXX. I believe she now blocked my phone number from calling her because I can no longer reach her and it goes right to voicemail. I contacted the original creditor which appears to be out of business now, which is no surprise if this is how they handle business, but it had a voicemail to leave messages and they said that I will get a call back within 7 business days. When they call me back I will find out exactly who they placed my debt with and the Real name and contact information to the company that is harassing me and my family members. Once i told her i was filing complaints with several offices she said do what you need to and hung up. i said i would pay what i owed if she did n't use these tactics but once i told her everything was recorded she refused everything. She continued to hang up on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I have a XXXX credit card and have had it about 4 months. My credit limit was set at {$500.00} and my minimum payment was $ XXXXmonth. I just made a payment of {$300.00} on XX/XX/XXXXwhich dropped due balance to {$200.00} but I wo n't have access or use my card until  XX/XX/XXXX because I made a larger than minimum payment. My payment cleared my bank account XX/XX/XXXX effective XX/XX/XXXX when I made the on-line payment. The payment posted on XX/XX/XXXX but I ca n't have access to it until XX/XX/XXXX. I have argued with two people on the customer service line ( which is another nightmare just trying to talk to a real person ) and asked why they would punish a customer for making a larger than minimum payment and not letting them have access to their money to spend in their store. All I got were apologies and saying it was a policy with risk management. I asked how can I be a risk making a larger than normal payment and they were taking it directly from my checking account? I want access to the money I paid on my card as soon as it clears my bank.

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 2017-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
My account has been locked for at least 1.5 weeks but probably longer. I started receiving login errors on XXXX XXXX, XXXX. The last time I accessed the account was on XXXX XXXX, XXXX. After numerous emails and an 38 minute phone call, Coinbase wo n't unlock it. They wont say when it was locked, why it was locked and when it could be unlocked. I just want access to my account ; to verify that my virtual currency is still in the account ( as I 've heard of numerous hacking attacks ) and to cash out some of it now. Below is some correspondence between myself and Coinbase. 

XXXX/XXXX/XXXX 1st email to support - I suspect a bot responded with a generic will look into it email. 
XXXX or XXXX 2nd email to support - No response XXXX/XXXX/XXXX - Found out they started offering phone support and called it. Consisted of 30 minutes of hold time and 8 minutes of no help by the support specialist. Support did n't know why the account was locked or when it would be unlocked. 
XXXX/XXXX/XXXX - Automated email received from Coinbase regarding some tips which does n't help my locked out problem. 
XXXX/XXXX/XXXX - problem persists with no resolution on site. 

I have exhausted all options and I 've read that this federal agency can force them to comply. I really appreciate all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: GA

Complaint narrative:
Equifax is punishing me because I am reporting them to you all. They just put my daughter, and my son negative information on my credit file. They know very well that is not my information. My son is the third generation, XXXX. I just got off the telephone with Equifax, and I explained to them that this is not my information. I told her I am reporting them, and she said, they are not going to remove it, and no one will make them remove that negative information. Why is this company getting a get out of jail free card? They are openly rebuking me since I filed this complaint. This proves another point, I tried to convey to them, and they do not care if I am Veteran, XXXX XXXX XXXX, or not. Why does this company have that much power? I am nervous writing this complaint, they will be coming at me again because I filed the complaint against them less than 24 hours ago, it is no way they could possibly investigate this matter so quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed on XX/XX/XXXX both by phone and filed on line with Transunion. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. TranUnion has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes Transunion 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.

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 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed on XX/XX/XXXX both by phone and filed on line with XXXX. Reporting that my loan with XXXX XXXX XXXX XXXX was incorrect. XXXX has not shown a payment since XX/XX/XXXX. The 1st excuse in improper credit reporting was XXXX XXXX not reporting. 2nd excuse It takes XXXX 90 days to show credit payments. It is now XX/XX/XXXX and I have not received a correction of result.

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 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I went to purchase a vehicle. I spoke to a sales person in regards to said purchase and he stated once we found the vehicle which we were looking for he would run my credit. Well he stated and agreed that my credit would not be pulled until we found the car. We never found the car that day ( XXXX XXXX,2017 ) yet on the following day my credit was pulled by his sales manager as he was n't present with the sales counselor of record when we spoke about finding the car and applying for a loan. I spoke to the sales manager he apologized for it as he stated he was unaware and that he would write a letter illustrating this mistake and contact his boss so the  inquiry would be removed. The inquiry is still reflecting on my credit report and has not been removed.

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 2017-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
Prestige Financial continued to report false information on my credit files without validation and verification as requested. I continued to request for verification and validation but to know avail. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
In short the loan was taken out in XX/XX/XXXX with Washington Mutal and they were closed in XX/XX/XXXX. In XX/XX/XXXX, we received a complaint for foreclosure from JP Morgan Chase. This loan has been fought over for the past 8 years and have recently received a review report from the federal task force for mortgage fraud that our payments to these banks have never been applied to our loan. In XX/XX/XXXX,  we were served a summary judgement due to missed payments the bank states that are unaccounted for. We have recently requested a new hearing on this matter in our county and have been denied the opportunity to have this overturned. So at this point, we are a little unsure as to how to move forward. The report shows embezzled amount of over XXXX unaccounted for. We have determined that we will file a civil suit in this matter but could use some assistance and understand that you may be able to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I went to purchase a vehicle. I spoke to a sales person in regards to said purchase and he stated once we found the vehicle which we were looking for he would run my credit. Well he stated and agreed that my credit would not be pulled until we found the car. We never found the car that day ( XXXX XXXX,2017 ) yet on the following day my credit was pulled by his sales manager as he  was n't present with the sales counselor of record when we spoke about finding the car and applying for a loan. I spoke to the sales manager he apologized for it as he stated he was unaware and that he would write a letter illustrating this mistake and contact his boss so the inquiry would be removed. The inquiry is still reflecting on my credit report and has not been removed.

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 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Ive been tryna to explain to the people that I have not been to college online nor on campus .I dont have a high school diploma, in my identity was stolen .They garnished my work check before in I tried stopping that but they wouldnt stop.Now they are saying I owe them {$1000.00} dollars.Ive never seen a check or anything .The address that was used for the loan Ive never lived at or heard of, I just dont know what else to do

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 2017-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: WA

Complaint narrative:
I attended XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I currently owe {$56000.00} in loans. I am just beyond upset and frustrated that I am paying back a loan which charges $ XXXX/day in interest to a company that took over my loan from XXXX XXXX. XXXX XXXX went bankrupt in XX/XX/XXXX and unknowing at the time I now know that their financial issues were an issue way before I graduated. I do not feel that it is my responsibility to continue to pay for this loan, the company my loan is with they should be forgiven. The interest I am paying alone with this loan will have me in debt with this for my lifetime and that is just not fair seeing as how the school closed and went bankrupt. I am a single mom and was a single mom when I attended XXXX XXXX. To have to owe {$56000.00} to a school that no longer exists is just mind boggling. I know I am not the first to complain about this and I may be a little late with my complaint but financially this is going to be such a burden on me and I just want for this issue to be looked into a little further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
CREDIT COUNSEL INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Company contacted me several times claiming {$300.00} owed for services rendered in XXXX 2014. Its been 4 years and I disputed the amount owed directly with them and they were not able to provide any proof of services. Company decided to report to credit bureau. I called today after seeing it on my credit report. A male representative HUNG UP ON ME. Unacceptable behavior by a representative who is federally and state regulated entity. You help is greatly appreciated. 
Thank you

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 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: MI

Complaint narrative:
I received a letter for debt collection from XXXX XXXX XXXX XXXX in XX/XX/XXXX for a parking ticket on a car that I do not own and a ticket that is not mine. In the letter they threatened to boot/tow my car if I do not pay them. I sent a letter to XXXX XXXX XXXX via certified mail on XX/XX/XXXX and was verified they received on XX/XX/XXXX, requesting for VALIDATION of debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I also asked for the name and address for the bonding agent of XXXX XXXX XXXX XXXX. My request was ignored and XXXX XXXX XXXX  XXXX continued their collection activity, sending me another letter, dated XX/XX/XXXX. Again requesting payment of ( unvalidated ) debt, threatening of action against my driver 's  license, and booting/towing of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
In XXXX I brought a car that was financed through Ally Financial. Over the 5 year period I have paid the payments in XXXX XXXX I paid XXXX to pay the car off like Ally said I owed. At the end of XXXX XXXX, my wife and I received the title and we kept the car continued to drivXXXX until on XXXX XXXX, XXXX, Ally had XXXX come and steal our car saying that we owed an additional {$3000.00} for fees, late payments and etc. I immediately called the police and insurance company cause I have a title that shows my vehicle free and clear. In XXXX they told me I owed XXXX on the car. In XXXX XXXX, I paid XXXX, XXXX I paid XXXX and they sent me documents with 3 different amounts on what was still owe I questioned them. In XXXX I paid XXXX and in XXXX after I contacted them to see how much was left they said XXXX. I paid that and I received my title in XXXX XXXX. Now I think it is very unfair that I paid all this money to have my car stolen from and now they are saying they are selling it again to someone else on XXXX XXXX if I do n't give them additional money. Every time you speak to someone at ALLY you get a different story. It does n't make sense to 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 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
My mortgage payment with Mr. Cooper ( formerly Nationstar ) is automatically deducted on the first of every month. This XX/XX/XXXX, I did n't see that deduction. Today, XX/XX/XXXX, I called to ask about the problem. The customer service representative and later, a supervisor, did not know why automatic debit was cancelled. As the supervisor told me " only the customer can cancel automatic payment and we have no record that you did that. '' Upon further reflection, the customer service representative told me that my mortgage was being sold to XXXX XXXX on XX/XX/XXXX. This was the first I heard of it. I received nothing in the mail from either Mr. Cooper or XXXX XXXX ; and the Mr. Cooper website did not indicate the pending sale/transfer of this mortgage. The website however indicated I was late on my mortgage, which was a bit annoying to me : I had set up automatic debit for the first of every month ; I called on my own to find out why the XX/XX/XXXX   payment was n't automatically debited from my bank account on XX/XX/XXXX ; the answer consisted of " we 're as surprised as you are '' and nothing more. It 's like dealing with the Bad News Bears of mortgage holders. 

Also, they told me a letter went out on XX/XX/XXXX notifying me of the pending transfer of my mortgage. I have yet to receive that letter - and even if I did receive it, it does n't explain why automatic debit was cancelled without any explanation. 

The customer service person just told me to pay the mortgage online. I do n't trust these people - never have. I 've always thought my mortgage with them was n't " going down '' as it should. Just yesterday, I read about their settlement with California for overcharging CA mortgage holders. 

In short, I would like to know ( i ) why automatic debit was cancelled ; ( ii ) why they did n't do a better job of notifying me of pending transfer of mortgage ( should n't there be a requirement that lender provides at least 30 days notice? ) ; and ( iii ) whether my mortgage has been appropriate amortized during the time they held this loan. 

THANK YOU, CFPB!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue Corporation has been provided my personal information and is using is without merit and authorization to report a medical collection on my credit report. I have requested multiple times to have this negative and unauthorized information removed from my credit report and been unsuccessful in getting United Revenue Corp to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
Wrong inquiry from Fairway mortgage. I did not apply for any mortgage with this company. please remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have this security XXXX XXXX prepay card ( XXXX XXXX ) for year I always pay in full and in time but in XX/XX/XXXXwhen the hurricane Irma pass to XXXX where I live now I was out my job for half the month and it was impossible to me to pay that month them the report to my all credit report do n't care that was my own money now I do n't want to closed this account and i want speak with them but is impossible

Company response to consumer: Closed with non-monetary relief