vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Re : Accounting Ending XXXX ; Case # XXXX 1. Letter dated XX/XX/XXXX from Capital One ( CO ) regarding an alleged account ending in XXXX, CO stated my account was past due. See Attachment XXXX ( 2 MB ) for details. 
2. Letter dated XX/XX/XXXX I requested specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
3. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
4. Letter dated XX/XX/XXXX I requested a second time for specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
5. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
6. To date, CO has yet to provide any requested information for account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Calls 3 times a day, repeatedly twice and then once about 4 hours later. I already have the number blocked even though the first time I answered I told them I do n't have any outstanding debts to anyone ( only to my credit card, but then that would be them calling em instead of some scammer based out of Washington. )

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 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
filing a complaint aganist EQUIFAX, illegally let XXXX XXXX obtained a copy of my EQUIFAX CREDIT REPORT, .i did not give equifax permission nor permission ..no letters to authorized no one to go into my credit report, i have not put in an application for a loan or a credit application. 
that is how idenity theft creats in that mannor ... i have a freeze on my information ... 
alert date :XXXX.2017 source : Equifax company : XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX said to be used as a result of a loan or credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
I purchased a home and received financing through XXXX XXXX XXXX in XXXX of XXXX. My mortgage was then sold to FBC Mortgage , LLC at the end of XX/XX/XXXX. Then, without me knowing, FBC Mortgage LLC sold or transferred my mortgage to XXXX XXXX XXXX and Reporting. I NEVER received anything in writing that my loan was transferred from either FBC Mortgage LLC or XXXX. 

Furthermore, I qualified for a 3 month deferral on my mortgage payment because I live in a federal disaster qualified area ( Hurricane Irma ). I called in and spoke to who I thought was FBC Mortgage LLC, but who I have now determined to be XXXX, and was told on XX/XX/XXXX by a rep at XXXX that I qualified to have the 3 months of payments added on to my loan, and that I would not have to make those 3 payments after the 3 month deferral period. I then received a letter in early XXXX of XX/XX/XXXXstating that I did not qualify for a loan modification and would need to bring my balance now in full ( pay for the 3 months of deferred payments, plus present month 's payment ). There are a number of issues with what has taken place here. FBC never notified me, and by law are required to. And the rep at XXXX flat out lied to me on the phone. I thought that I was all clear on the 3 months of deferred payments and would not need to pay those now, and as a result, based on what the rep told me, i used that money to pay down other debts. Thank you for your concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a debt that is not mine, also they have negatively posted on my credit reports, I ask for validation from the credit bureau as well as midland and received nothing yet the post is still listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPL Recovery Solutions
State: PA

Complaint narrative:
The person calling Identifies himself as XXXX XXXX from JPL. Would like to talk to me about legal matters. He has been calling and harassing my family members, sons, parents, my sons girlfriend parents, my ex wife and so on wanting personal information about me. He keeps persistently calling when told not to and threatens to keep calling everyone related to me or friends of mine until they tell him the information he wants about me. I have not received any mail Correspondence regarding this business. I feel this is beyond harassment. This company should be shut down! I dont even know if its a legitimate company or some kind of scam. The phone number that has been calling : 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 2018-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent me a letter on XX/XX/17 in attempts to collect a debt from a debt collector. This letter did not include a statement describing my right to dispute the debt as per FDCPA guidelines. 

The letter also stated " the total balance on the day you pay may be greater as a result of fees and interest that continue to accrue. '' This does not comply with the FDCPA 's requirement that debt collectors clearly state the amount of debt. By failing to provide additional information such as the interest rate, date of accrual, and nature of any added fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
lost job an try to bounce back on my feet. my lawery suggested me to this site BKPT CT IL XXXX XX/XX/XXXX Type Bankruptcy chapter XXXX-dismissed Reference XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$380.00} XXXX XXXX XXXX opend XX/XX/XXXX {$13000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Cornerstone Home Lending Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX has put me in a home that I could never afford but yet they took all my down payments etc and told me I could. My previous house payment was {$380.00} they put me in a home with a {$690.00} house payment which I do not make enough. I haven't even paid bills yet of which I do not have the money. They said I could afford it and I believed them I put in a complaint to you going 2 months ago and you have not given me an answer. I'm sure they are refusing you info like the do me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: NY

Complaint narrative:
Volkswagen Credit 's website avoids telling consumers what their actual balance is. The account details page has nothing about balance, the payoff quote page does n't give payoff quotes, just asks for bank account numbers. Nowhere on the site does it have anything about balance. There is a corner where you can download pdf files for offline viewing which so helpfully have PAST statements about two months old, though these focus entirely on the billing aspect, deemphasizing the remaining balance. 

However, since I 've made a couple large payments recently, it goes so far as discouraging further payments until two years from now. It suggests I do n't make another payment until 2019 XXXX, and makes a huge deal about how " nothing is due '', and " no payments necessary ''. 

In short, they want consumers to be uninformed about what they owe and let their balances sit and accrue interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My husband and I used a PNC home equity loan to pay for golf school for our son in XX/XX/XXXX or so. The loan was backed by our home. We sold the home in XX/XX/XXXX so all should have been paid but they were not unknown to us. We received 2 late notices for XX/XX/XXXX & XX/XX/XXXX. Then started to make the payments. In XX/XX/XXXX they sent a bill for {$32000.00} to be paid in full. We have reached out several times for a payment plan but they will not work with us. We went Into the bank to apply for a loan but since we dont own a home for collateral they will not give us a loan. We called the XXXX number and had the problem w the escalation team. I have not had a phone call to give status or resolve this. We tried to use the home we are building as collateral but since the closing has been pushed from XX/XX/XXXX to XX/XX/XXXX they will not work with us. They are destroying our credit to where we cant get any loan. PNC had a lean on the house we sold. We are trying to file a claim with the closing company. XXXX XXXX XXXX. Attorney XXXX XXXX XXXX but he has not responded. 
I tried to call the president of PNC bank XXXX XXXX with no success of a return call. I dont know what to do get the loan paid off and fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
Collector keeps calling my sister in law requesting for payment. 

I have called and asked to stop calling someone else that I do n't talk to and they wo n't stop

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 2018-01-11 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: NC

Complaint narrative:
Step 1 : What is this complaint about? XXXX XXXX XXXX XXXX XXXX continually neglects to report payments & good standing to my credit report & my Husband 's credit report. 

Step 2 : What type of problem are you having? There are 3-5 month gaps between reporting which means we do n't get the points we are owed. Which does n't increase our score as we deserve. 

Step 3 : What happened? When we complain they only respond that they tried & have no control over the reporting. When I contact Equifax they just remove the account. WE do n't want them removed we want our missing points!! How can we buy a house & be fairly evaluated without the entire picture? This has been going on over a year. We paid off an auto loan as well that is n't showing on my report, but shows on my Husband 's report with missing months. 



Step 4 : What company is this complaint about? XXXX XXXX XXXX XXXX XXXX & Equifax Step 5 : Who are the people involved? Manager XXXX XXXX & Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, a XXXX XXXX from Fair Collections and Outsourcing called my phone # of XXXX and divulged to an unauthorized 3rd party that I owe a debt. Thereafter, this person also called my work and left a voicemail at my extension stating that there is debt owed. This, I beleive, is considered as unfair practice. 

On XX/XX/XXXX, the same person called XXXX six times which constitutes harassment. 

Secondly, i have not received any invoice or debt validation showing the breakdown of the amount of {$7400.00} that they are saying that i owe. i also would like to request for a copy of the contract.

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 2018-01-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.

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 2018-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is blocking me from using an external application to track my credit card purchases charges etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have paid even though they keep calling, I think this is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
Coinbase is a digital currency exchange. They promised all customers that held any amount of bitcoin on their exchange on XX/XX/XXXX that they would be credited with the same amount of bitcoin cash by XX/XX/XXXX. Customers had a choice of storing their bitcoin in a " digital wallet '' or in Coinbase 's secure " multi-sig vault. '' Coinbase pushed customers to store their funds in the " multi-sig vault, '' as the vault was advertised as extremely safe. 

I had 1.9+ bitcoin 's stored in Coinbase 's multi-sig vault on XX/XX/XXXX. On XX/XX/XXXX, Coinbase added bitcoin cash to their exchange and credited all customers who stored their bitcoin in a digital wallet on coinbase 's exchange on XX/XX/XXXX. However, they did not credit any customer who stored their bitcoin in coinbase 's multi-sig vault. On XX/XX/XXXX, coinbase emailed me stating that they have credited everyone, accept people who stored their bitcoin cash in the multi-sig vault. They stated that they are having technical issues and their engineer team is working on the issues. They provided no timetable as to when I will receive my bitcoin cash. 

I have emailed Coinbase 4 times ( without receiving a response ) and I 've spoken to customer service reps/managers at least 5 times since XX/XX/XXXX. Nobody can provide me an answer as to when I will have my money and they just state that the issue is being worked on. 

On XX/XX/XXXX and XX/XX/XXXX, bitcoin cash was worth between {$3500.00} and {$5000.00} a coin. Today, bitcoin cash is worth {$2600.00} a coin. Coinbase created an unfair market and allowed customers to sell their bitcoin cash on XX/XX/XXXX and XX/XX/XXXX for {$3500.00} to {$5000.00}, whereas, I was not provided this opportunity. Coinbase has essentially stolen my bitcoin cash and my ability to make money trading other digital currencies. I was planning on selling my coins as soon as I had access to them. If I would have been credited with my bitcoin cash on XX/XX/XXXX, just like the majority of customers, I would have sold at {$5000.00} a coin, for a total of {$9500.00}. If I was credited with my bitcoin cash today, and sold, I would receive {$4900.00}. Coinbase has cost me at least {$4600.00}, due to their unethical business practices. 

Coinbase has not provided any additional information in 23 days, and they will not release my money to me. Before coinbase added Bitcoin cash and credited customers storing their bitcoin cash in a digital wallet on coinbase, they knew they would not be able to credit customers who stored their bitcoin cash in the multi-sig vault. Yet, Coinbase made the unethical decision to add the digital currency to the exchange and to credit some customers. This is an unfair business practice and very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
My XXXX XXXX XXXX was declared a total loss. The incident occurred only 2 weeks of getting it. I called my lean holder, TD Auto, to inform them of the situation. After informing them of what was going on they told me to hold of on making the payments, that i only had to worry about making the interest payments. The whole loan was payed of by the insurance and gap insurance. I was then hit with a late payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: NY

Complaint narrative:
I submitted a loan modification package to SN Servicing Corporation on XX/XX/XXXX. On XX/XX/XXXX I received a letter of missing documents. On XX/XX/XXXX, I sent the servicer the documents they were requesting. They should have had a complete loan modification package by XX/XX/XXXX. On XX/XX/XXXX I received the letter of denial, how is it possible they that review my file in a short period of time? On XX/XX/XXXX I received a letter of sale. I feel like the servicer is more concerned about taking my home rather than giving me a fair chance to keep it. In the matter of about three business days they decided to deny my loan modification, how is that giving me a fair chance/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from American Express, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from XXXX XXXX, Capital One, XXXX XXXX, XXXX, Kohl 's Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.

Company response to consumer: Closed with explanation