vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Check Security Associates, LLC
State: CA

Complaint narrative:
Below is the letter they finally sent me after via email after asking for them to send it by mail which they wo n't do initially. It took the weeks of calling me to finally even send the email. Warner Asset Location Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Phone : XXXX Fax : XXXX XXXXXXXXXXXX Payment Arrangement XX/XX/XXXX Account Information This notice is to inform you that the above referenced debt with XXXX XXXX and all rights and obligations regarding this debt have been assigned Warner Asset Location Services for immediate collection. Warner Asset Location Services has agreed to the payment arrangement below to satisfy your delinquent account with XXXX XXXX. Number of Payments : 1 Payment Date Payment Amount Status Type XX/XX/XXXX $ XXXX PENDING BALANCE IN FULL Once the final payment has cleared, your account will be considered paid in full and reported to the proper credit reporting agencies, where applicable. Furthermore, you will be released of any financial and/or legal obligations pertaining to the above referenced account as well as any remaining balance. If you do not adhere to the terms of this payment plan, your agreement will become null and void and we will continue to exercise all pursuant legal rights and remedies under applicable laws to obtain repayment accordingly. If you have any questions related to the above referenced payment plan, please do not hesitate to us toll free at XXXX XXXX Monday through Friday from XXXX XXXX EST. Please refer to your Account ID as indicated above on all questions and payments. Federal law requires that we notify you that this is an attempt to collect a debt and any information obtained will be used solely for that purpose. Sincerely, Warner Asset Location Services Original Creditor : XXXX XXXX Original Account Number : XXXX Account ID : XXXX Current Balance : $ XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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 keeps reporting falsely that I have bankruptcies in my public records and the XXXX XXXX is their information source. I have attached the results of my Equifax dispute with this false claim as well as my XXXX XXXX report with the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WV

Complaint narrative:
On XX/XX/XXXX, I sold XXXX BTC with my account with Coinbase. Per their confirmation email, I was to receive {$1100.00} USD in my bank account no later than Thursday, XX/XX/XXXX. I did not receive the deposit.
On XX/XX/XXXX, I submitted an online support ticket asking where the deposit was. I have received no response.
On XX/XX/XXXX, I sent an email to Coinbase support asking where the deposit was. I have received an email thanking me for submitting my request, but have not received any additional response.
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. 
On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a direct message to Coinbase Support via XXXX. I have not received a response. On XX/XX/XXXX, I sent a public " XXXX  '' to Coinbase CEO XXXX XXXX. I have not received a response. On XX/XX/XXXX, I called Coinbase 's only advertised phone number, which is their Fraud Prevention line. I left a message and have not received a response. I know my bank account is able to receive deposits from Coinbase because I have received other deposits, including one since the sale on XX/XX/XXXX. On XX/XX/XXXX, I initiated the sale of all other crypto-currency Coinbase was holding for me and I received that deposit on XX/XX/XXXX.
The money was supposed to be in my account on XX/XX/XXXX at the latest. It has been 8 business days since the sale and 5 business days since I was due to receive the money. Where is the money? Where is the customer service? At this point, I am considering this to be fraud. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: CO

Complaint narrative:
Friday XX/XX/XXXX National Enterprise Systems Called said they wanted me to call back that it is from a debt collector. on my home phone XX/XX/XXXX th same company called my cell phone using a faked number " XXXX XXXX XXXX '' They asked for two different family members who do not live at this address and I would not confirm if I was either of those people. XX/XX/XXXX Called again on my home phone again using a faked number " XXXX XXXX XXXX '' Again asked for family members that do not reside at this address. I would not confirm if I was either of them. The company is based in XXXX OH which is how I know its a faked number and the same woman is on the phone each time. Since the people they are trying to contact do not even live here and in the first call they left a message stating they are trying to collect a debt I assume they violated revealing debt to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased furniture in XX/XX/XXXX & XX/XX/XXXX from XXXX XXXX ( where the loan originated ) in XXXX XXXX, FL, both with affiliate bank loan agreements ( Synchrony Bank ). Together the loans totaled {$2200.00}. The first loan was supposed to be interest-free for 5 years if the minimum payment was made. The second loan had to be paid off entirely in 6 months. We made minimal monthly payments on both loans of {$85.00} per month total ( they combined the 2 loans into one account without our knowledge ). We were NOT made aware the loans were tied together. If loan 2 were not paid entirely in 6 months time, we would be paying off confiscatory interest at the rate of 29.99 % from day one on loan 2 (  only ). However, our minimal monthly payment was applied to the interest on loan 2, and the principal of loan 1, without our knowledge. Clearly the intent was to trap the borrower into being stuck paying interest on two loans since they were tied into one account together without my knowledge. That means 40 % of our monthly payment of {$83.00} is for interest only. We have been paying that interest every month since XX/XX/XXXX until today and for the duration of the loan. This increases the loan payoff period These are deceptive loan practices because they tied them together without our knowledge and the loan rates of 30 % is unconscionable ( usury ). As of XX/XX/XXXX Synchrony ( XXXX ) says we owe another {$790.00} in interest and {$1700.00} in principle, even if we pay it off entirely. If it is not paid off in total today we will have over {$3000.00} of additional in interest. That is much higher than the original principal alone. Acct No. XXXX XXXX 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 monetary relief
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc.
State: PA

Complaint narrative:
Dear Whom this may concern I continue to try to work with this company but they continue to report incorrect information dispite letters, call and complaints. They also seem to change my balance by 1 $ XXXX every week by decreasing and increasing the balance to reflect activity on the account. I have contacted the company several times only sending back deeds not signed by me. I have only signed up for one timeshare in my life and that was in XXXX XXXX. I also sent police reports to show this debt was not mine. I 'm currently trying to buy a home for my family and this collection is really reflecting negatively on my ability to do so. I would like the company to delete this collection on all agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have had the American express blue card for over 8 months with a perfect pay history and an average fico score of XXXX for this period. My credit limit was initially {$10000.00}. approximately 2 days ago, X/XX/2017 I received and e-mail from American Express stating they have lowered my credit limit from {$10.00}, XXXX to {$1400.00}. I called to ask why considering my perfect pay history and never utilizing for than 9 % of my credit available and was told it had nothing to due with pay history or responsible use of the card but a automated financial review system decided that I should have XXXX credit line without any notice or contacting me in advance. this has caused my credit score to drop because my account utilization has gone from 9 % to over 80 % because of this decision without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Other 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: ResidentCollect, Inc.
State: TX

Complaint narrative:
I have a debt of {$1600.00}. I called to find out options on settling. They informed me XX/XX/XXXX I could settle for {$1000.00}. After seeking counsel, I was told to call back and speak to a supervisor to try to negotiate payment since I am a XXXX single female who is working hard to improve my quality of life and pay off debt acquired during my XXXX/ XXXX time. I called back XX/XX/XXXX to speak to a supervisor. My agent was incredibly rude and said they would n't transfer me even though I 've requested numerous times to speak with a supervisor. Naturally I called back multiple times to see what other department could help me. The different departments apparently were all the same 3 people, ( did not know that ), so the other agent yelled at me and was so rude. Stated that I was harassing them and they would take further measures if I called back again. He would not listen or answer any of my questions regarding a supervisor or how to make a payment. I have yet to be given any payment details. He stated that he would be getting me and was going to advise that the settlement amount was removed cause of harassment. I want not rude nor did I even yell, let alone did not harass anyone. He yelled, talked over me and would not allow me to speak or ask any questions and eventually hung up on me. Shocked at this treatment I figured maybe he needed to cool off. I called back shortly after to ask how to make a payment and the moment they answered said they were emailing admin to report harassment and hung up. They continually refuse payment and these are the people supposedly collecting payment for debt?? I simply need a reasonable amount to pay as a person recovering from XXXX in a car accident ( not at fault ), XX/XX/XXXX, XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX in XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and lasting effects. Just need a reasonable abut and how to pay. They refuse to speak to me to accept payment. I will gladly provide my details if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX County Recorder recorded a Federal tax lien on/aboutXX/XX/XXXXfor {$200000.00}. The Federal statute of limitations time limit has run out on this debt and should have been dismissed/removed on/about XX/XX/XXXX. I contacted the IRS and received no response. I have contacted Experian on their website several times on XX/XX/XXXX &XX/XX/XXXX and consistently get locked out of their system and get an error message that their system has encountered an error and to try again later, which has stopped me from filing a dispute and getting a copy of my credit report.

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 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Our client filed chapter 11 in XXXX and our plan was confirmed in XXXX paying the principal back at .00 % interest, no escrow, no insurance. When the loan was transferred to Nationstar, the cram-down had not been acknowledged by the previous lender which showed the client 's principal balance at a higher rate and an escrow account was in place. I have been trying for over 8 months to get Nationstar to acknowledge and provide us with the correct principal balance and it always comes back as a higher amount with an escrow account in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: WV

Complaint narrative:
I ed learn that in summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. I contacted Transunion and asked regarding this glitch but I was told that is not true, I reviewed my credit report and noticed that the inquiries are back in after being deleted. They added back without giving me legally required written notice 5 days prior to them be re-adding, these inquires are a hardship and my rights were violated by transunion.

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 2017-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
This debt has been disputed -- This debt has not been verified with any original documentation from the original creditor. Moreover, even if the same had been provided- the statute of limitations has passed for any debt collection or legal action. Thy are trying to deceive people into thinking they owe a debt- and scare them into thinking they owe this debt and trick people into making a new contract for debt payment so that they can restart the statute of limitations.. Part of their letter states the same -- but a part of it was torn in transit, and i can not read it. That is why the uploaded document looks like it does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello, I have a conventional mortgage with Wells Fargo. I was concerned that my mortgage payment had not been successfully debited from my bank checking account, so I logged into Wells Fargo to check my account TWICE - on XX/XX/XXXX and XX/XX/XXXX. On BOTH those occasions, my online account showed that the account was in good standing and my payment had indeed been made to my mortgage on XX/XX/XXXX as it is scheduled to automatically debit on that date. Yesterday, XX/XX/XXXX, I received an email from Wells Fargo that stated that my payment had NOT been made due to insufficient funds in my bank checking account. This was the first time that I had proactively been told that anything was wrong with my XX/XX/XXXX  payment. Conveniently, Wells Fargo only notifies one of a failed payment AFTER their 15 day grace period! They charged my account {$59.00} for late fees. What is also odd is that Wells Fargo let me schedule my payment for the XX/XX/XXXX even though the due date XX/XX/XXXX! This burns 5 days of " grace. '' I always assumed that if Wells Fargo allows me to pay on a particular day, then that is synonymous with the due date. Why would I want to schedule my monthly payment LATE every month?! Seems very odd. On top of this, Wells Fargo has removed the ability to edit or modify your automatically scheduled payment. They make it difficult to alter your payment due date or amount ( e.g. if you want to pay extra against your principle ). They set up their systems to proactively tell you your payments have been made, when they have not and then notify you AFTER their 15 day grace period, that, in fact, the payment had not posted, then charge you fees for this. Their system and processes are created to generate fees. Providing FALSE and inaccurate account information simply is NOT ethical. Showing in your online account that your payment has posted and been made is unethical.

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 monetary relief
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Ideal Collection Services , Inc. located in XXXX, FL Registering Agent : XXXX XXXX, XXXX XXXX, Account Manager, XXXX XXXX, and Attorney XXXX XXXX XXXX, XXXX are breaking many serious Federal & State laws by trying to collect on an Account that is past, The Statue of Limitation time in The State of Florida, they also have failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires, Ideal Collections to Send me a Copy of the Original Wet-Inked Contract that I signed, and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, Ideal Collections is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my Credit Report, and copies of copies are not Validation and are not considered proof for this account Ideal Collections has on my Credit. Ideal Collections continues to only send me a copy of a copy of another company that was not theirs, in which is not acceptable at all, according to the Fair Credit Reporting Laws. With this being done there was never any way for me to have any mistakes or erroneous reporting corrected from the other company, and I requested and am now still requesting the Original instrument indebtedness of it 's original form, which is not a copy, but the original written agreement with my Wet-Ink Signature on  it. Once this is provided, I am willing to accept a statement for the amount owing as of X/X/13 together with Ideal Collection Services , Inc. 's Assurance that they will Accept Payment in direct and in immediate exchange for the Original Instrument of indebtedness in it 's original form only. In addition, we also have another issue that was not addressed at all by Ideal Collections, which is this account is now violating Florida State Collection Laws ; because it is way past The Statue of Limitation. If Ideal Collections does n't remove this account immediately or provide me with the Original Instrument, then it will leave me no choice but to report them publicly to The State Attorney General 's Office, Federal Trade Commission, Better Business Bureau, and pursue taking Civil & Criminal legal action against them for breaking Federal and State Laws, as well as turning this into a possible Class Action Lawsuit for others to join in ; because I know there are other consumers who are being abused and are suffering by their fraudulent collection practices. I am asking for Ideal Collection Services , Inc. to provide that Original Contract/Instrument of indebtedness, and not a copy, to Me and show proof to The Consumer Financial Protection Bureau of being in compliance with Federal & State Laws to avoid Civil & Criminal Liability.

Company response to consumer: Closed with explanation