vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I spoke with USAA last week and told them as soon as my loan mortgage loan closed. I would pay this XXXX CC off in full. This card is mine ands opened several years before I got married. Even though I told them about the pay off they called my husband who has nothing to do with this card .His name is not on the account nor is he a authorized user. My privacy has been violated by USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Taking into consideration the information that on my credit file from these particular ( 3 ) consumer reporting agencies known as XXXX, Equifax, and XXXX   at this time is inaccurate, incorrect, an untrue credit card data. This inaccurate information has affected and impaired my financial health with the " Fico Score system. '' As of this date XX/XX/2015, my Fico score has been impaired and not populate accurately because the ( 3 ) bureau 's has used an inaccurate card known as the " XXXX XXXX '' credit card to populate my Fico Score. This release of inaccurate and faulty information known as the XXXX XXXX card has weakened and damaged my credit health since XX/XX/2015. 
Therefore I seek to have the ( 3 ) bureaus correct this handicapped information that was used an provided to anyone inquiring about my credit health since XX/XX/2015. 
The correct plan for implementation and execution should have been used by the ( 3 ) credit bureau was the " XXXX XXXX XXXX '' credit card but was not used by the bureau's..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to my bank CHASE BANK and they told me that my account was frozen. I don't have any liens, judgments or anything against me. I was not notified of this action or given any legal rights. Chase just gave me the number to a collection agency. XXXX   XXXX XXXX XXXX  XXXX. THIS IS SO WRONG. THIS IS CAUSING ME, MY FAMILY AND BUSINESS HARM. I CAN'T GET MY OWN MONEY. I HAVE DONE NOTHING WRONG AND I OWE NO ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/18 At a XXXX XXXX tour Ref. # XXXX I was verblily given phalse and misleading statements.That led me to sign a paypal account order I.D . XXXX on my XXXX Contract # XXXX Thay sugested I use my XXXX Credit Card to make purchases and pay my paypal acct. to gain additional pt 's & bonuses. when the visa card did not arrive by the 5th day I made a number of call.s to XXXX XXXX ( sales rep. ) He said he would take care of it, not to worry. when the card came I found I could not get what I was led to believe with the points I was purchasing for two timeshare weeks and XXXX $ plus a maintance fee of XXXX $ a year. I've made numerous calls since then and kept in the dark until today XX/XX/18 XXXX said he could not cancel the contract because of the 7 day limit! 
I certainly believe they took advantage of an XXXX year old man and his wife XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
I received a collection account on my credit report from XXXX XXXX XXXX XXXX in the amount of {$2900.00}. This debt does not belong to me. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX has not provided proof of the debt. 

I ask that XXXX XXXX XXXX XXXX validate ownership of the debt account and remove the collection account for my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Have a collection on my credit report. Do not have a contract with Convergent Outsourcing for balancing of XXXX to pay. Was staying on a XXXX XXXX base during XX/XX/2015 that did not support XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Square One Financial, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I contacted XXXX  XXXX   looking to settle an account that was last reported to my credit bureau XX/XX/XXXX for an auto loan I had got for my girlfriend a few years back. I explained I have been very cooperative, surrendered the car, and also provided all my personal information offering a settlement on the account for {$1000.00}. I was then told the account was with XXXX XXXX XXXX. I spoke with XXXX initially who told me the account was PAID IN FULL. Then after being transferred to XXXX the manager he told me the balance was {$6500.00} which is over {$3000.00} more than what was owed. I explained I was trying to get a home, and this account was affecting my credit. He then said they would settle for {$3000.00}. I told him the most I could do is {$1500.00}. The Next day On XX/XX/XXXX I received a notice from XXXX XXXX that XXXX pulled my XXXX credit bureau after 3 years and reported a new balance of {$4400.00} which dropped my credit score over 55 points which now makes me ineligible for a home loan. I find this to be a very savage business practice especially since I explained to the company that I was trying to get a home loan and wanted to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Social Finance, Inc.
State: PA

Complaint narrative:
I applied for a medical school student refinancing loan from SoFi in XXXX of 2017. I submitted all appropriate forms and paperwork related to my public and private student loans through their online portal. However, they had significant difficulty 'validating ' the private loan. Over FOUR MONTHS I was asked repeatedly to upload promissory notes, proof of loan educational status, and other correspondences with my private bank loan, each time finding a new form or reason to delay the process. Because of these delays, I had to upload work pay stubs, interest statements and proof of employment MULTIPLE TIMES because a prior example would 'expire '. Additionally I was subjected to MULTIPLE HARD CREDIT PULLS because of the delays. As over four months of acquiring sensitive, personal financial information has yielded continuous roadblocks, I can only assume their business practices are ultimately fraudulent and designed to acquire this information for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This is the letter we just mailed to ALLY Financial. 

As I am typing this letter as I am again on hold with your XXXX number. No one ever answers. This would be our 9th phone call with hold times over an hour. Last night we held for 40 minutes and it just hung up on us. 

This letter is to dispute a bill of late charges that we have repeatedly called about and they need to be immediately removed from our bill. The entire reason we leased this car was to establish perfect credit as you can see by our payments have been on time if not early every single month since we drove out of the dealership. We have no idea why this {$31.00} charge is on our bill and is now totaling {$880.00}. 

We have repeatedly asked your representatives to clarify the fees and specifically exactly the full payment amount is so we can pay it. They have refused to clarify these questions. We have asked to pay what they said a one time XXXX late fee which we didnt even know where that was coming from but paid it anyway. They never told us that this was every month or recurring and also at that time never told us that there was this XXXX balance hanging over us. 

Your regulator CFPB was specifically established to protect consumers against these types of abusive practices. In this case, we are talking about failures to disclose fees, failure to disclose amounts due and refusal to answer questions and an overall evasiveness and lack of responsiveness. We will be filing a formal complaint with the CFPB on this matter. 

Please consider this a formal complaint as we will be filing such complaint with the CFPB on this matter. PS I AM STILL HOLD AND WHO IS GOING TO PAY ME FOR ALL THE HOURS SPENT ON HOLD AND TYPING THIS LETTER.

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 2018-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I reached out to this company several times in hopes of trying to resolve this matter. I was sold a lemon vehicle of which I was trying to pay the car payment and multiple repairs totaling over 15,000.00. In  XXXX, I called the company to advise of payment being sent and was advised by the representative not to send payment, in fact the company was not longer collecting on the vehicle as it was too old and had no value. I was advised someone from collections will be in touch with me to further discuss payoff and get me my title and that never happened. upon calling them back in XX/XX/XXXX and again in XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX I was advised the due to the original creditor going bankrupt they could no longer collect on this item and the {$8000.00} ( + ) still owed was expunged and I would receive a letter and title in the mail by the end of XXXX well that never happened. now when I call them I get the run around and nobody calls me back. I reached out to them several times even more recently because when I disputed this item several times on my credit reports with XXXX, XXXX, and XXXX they went in and now said the item in collections for {$14000.00} ( + ) dollars. How can they now want so much money for a 14 year old vehicle and where did they get these figures from. I never rec 'd anything indicating I owed them again since the original conversation in XXXX nor did they send any collection letters or contact me and none of my information has changed. they also are reporting repossession and redeemed and that is not accurate. I paid the vehicle before it every got to that status, not to mention this being on my reports and it is not accurate at all. I tried everything I know to get this resolved and to date I have been unsuccessful on my own. I have all the repair documents and the financing documents for the vehicle still and never rec 'd anything from them releasing me besides verbal authorization. Lastly for over 7 years I was paying for a vehicle and being robbed as the monies were not being credited appropriately as per the terms and conditions of the contract. When I went back to the original dealer on this issue I was advised they closed down for faulty contacts and swindling people. When I contacted the financing company I got the same information and they then went bankrupt after receiving bail out money from government. Then TD auto finance purchased the account and pretty much started my payments all over again and increased my balances. which should be considered unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I signed up for a new credit card and was promised XXXX bonus points for doing so. I have contacted the company on 5 different occasions and have been promised that this would be taken of. My last call on Saturday XXXX XXXX I was assured that a supervisor would contact me but no one has called me to try and correct this problem. I feel as though no one is ready to do what is right by their customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/18 Consumer received a notification through a credit monitoring service that a New Hard Inquiry has  taken placed. 
A new hard inquiry with no applications made by consumer to have an inquiry.

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 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: NC

Complaint narrative:
EOS-CCA ( XXXX XXXX ). Total debt was over 3000. 

I requested a settlement offer and I was also told that they could not provide this information in writing to me. 

I requested to make a final payment based on a settlement offer that I was provided in XX/XX/XXXX. I was provided a {$1500.00} settlement offer with payments for a 4 month period. {$370.00} per month. At no time did EOS CCA tell me that i had a 30 day window to pay this settlement offer. 

I called at the end of XX/XX/XXXX to change the payment to {$100.00} and to move the balance from that payment to the next payment due to unforeseen circumstances. Not one time was I advised that my settlement offer was going to be cancelled. 

I called again to do the same thing and once again no one stated that my settlement offer was cancelled. 

I called on once more asking about removing the debt from my credit report. I was advised that it could not be done. 

I made another call XX/XX/XXXX to get the final payoff of the settlement and it was that time that I learned he settlement had been cancelled. They try to say that I have not made payments when In fact, I made payments in the amount of {$100.00} and {$50.00}. 

I was just told by a representative today XXXX that I had 3 additional payments scheduled. How can that be if they only provided me 30 day window. 

I am requesting that this debt be REMOVED from my credit report. as I was provided incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
In XXXX my mortgage servicer was XXXX XXXX XXXX. I was going through a financial hardship and applied for modification/ forbearance. XXXX XXXX XXXX approved a trial mortgage payment for three months in the amount of {$890.00} from a $ 1721 monthly mortgage. After the trial XXXX XXXX XXXX stated that there was no record of this trial and then sold my account to Specialize Loan Servicing. I had to start all over again with filling out another application for a modification. At this time I was getting XXXX treatments and explained on the hardship letter what I was dealing with at that time in XXXX. I received some assistance from XXXX XXXX XXXX, they sent Specialized Loan Servicing a couple of checks. In XX/XX/XXXX Specialized Loan Servicing approved my modification from the {$1700.00} payment to higher payment of {$2000.00}. The first trial payment started on XX/XX/XXXX until XX/XX/XXXX. The permanent modification was to begin XX/XX/XXXX. I signed the contract and sent my payment of {$2000.00}. I received a phone call stating that they could not accept the payment that my new amount would be over {$2700.00}. Specialized Loan Servicing took the money that XXXX XXXX XXXX sent and used the money for their fees and not to the principal as I requested and told me that my XX/XX/XXXX payment will be put in a suspense account which is still there. I asked for the reason why my payment is now over {$1000.00} more than the original payment. They stated over the phone that there is an escrow shortage. As of today I have not made a payment and have applied for another Modification using XXXX   Lawyer paying them {$3400.00} and XXXX lawyer took my money, phones were disconnected and emails were unable to send ( return to sender ). I kept trying on my own with the help of other free agencies to get a fair modification and I kept being denied. Specialized Loan Servicing would tell me that they received all documents and my application went to underwriting. They would send me letters that all of my documents werent received and or the investor is not going to change the terms of the loan. My income changed and I added my son and husband. In XX/XX/XXXX an employee of Specialized Loan Servicing advised me that they will not give a modification so I should stop applying because I cant afford the house. She was very rude and disrespectful to me and stating to me that the HARP program is over and we will not honor you application for that program. My application was in before the program ended. I paid {$29000.00} for my property when XXXX   XXXX XXXX sold my mortgage to Specialized loan Servicing I owed {$260000.00} in XXXX. I now owe {$390000.00} because of all the fees and late charges incurred. 
My home is currently up for foreclosure. All I want is a fair Modification to pay my mortgage and for me and my family to stay in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
cra violation no score reported inaccurate information please fix this issue asap

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 2018-02-27 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: SC

Complaint narrative:
I recently ordered my credit report from TransUnion and notice that there were a few inquires that I didn't recognize or authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX via XXXXTransUnion XXXX XXXX XXXX XXXX XXXX via TransUnion XXXX TransUnion XXXX XXXX XXXX XXXX   TransUnion XXXX XXXX XXXX via XXXX XXXX TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these listed above are the inquires that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put a fraud alert on my credit report for XXXX, XXXX, XXXX for reasons such as this. I would like to have these inquiries removed immediately.

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 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I lost access to my account on XXXX.XXXX. 
I have over {$100000.00} in asset and cash and not able to access. Customer service is non-existent and I am not able to view. withdraw, or access my account what's so ever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company issued a CC without any valid form of payment ( online logins, instructions, or call-backs over promised ). On day of attainment, I got approved but was not instructed or contacted to actually activate payment method, or online login ( little did I know ). I asked the lady as I got approved, and she mentioned I would be contacted by them for further instructions ( XXXX branch )!!! I have always paid on time, and its the only ding I have on my credit. 

I used to have a 700+ and it's dropped significantly now ; my only intention on ATTAINING this card was to build credit! I have been up-to-date and will continue to do so, but this was after ME going into the store next to my apartment to ask for valid form of payment, furthermore the RECEIVING of my actual card. I am a XXXX yr old XXXX, and my credit is very important to my business in and out of the office. 

The lack of communication, execution, and customer service is the result of this claim, nothing less or more. I use my SAKS card once in a while, but always make sure it is paid off now that I know what to use as login/have attained card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
cra violation no score reported inaccurate information please fix this issue asap

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