vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was looking at my credit report a few years back and saw a collection account that I was not aware of. I also started getting calls from this entity, sometimes 10 calls a day. I told them I didnt recognize this debt and I already disputed it through all of the credit reporting agencies. They said that I owe the debt and still continue to call several times a day. I have no idea what this is for and told them so.

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 2018-01-09 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: NRA Group, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX XXXX parked a debt, which I do NOT OWE on my credit report, thus damaging my credit rating. 

I have reached out to XXXX XXXX XXXX on the phone on XX/XX/XXXX and on XX/XX/XXXX asking the company for validation and back-up documentation. To date ( XX/XX/XXXX ) they have provided no written form of validation or proof. 

At no time has XXXX XXXX XXXX contacted me about this debt nor did it notify me it would report this to the Credit Agencies. 

XXXX XXXX XXXX failed to validate the debt or provide any proof to me that I owe this money or that the debt is valid. 

XXXX XXXX XXXX provided false information to the XXXX and XXXX credit agencies claiming that the date of the delinquency was XX/XX/XXXX. This is a lie, as I was never a XXXX customer at that time. 

These debt scavenger activities employed by XXXX XXXX XXXX appear to be in violation of the Fair Credit Reporting Act.

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 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I was contacted at my work number by XXXX  XXXX at XXXX CST on XX/XX/XXXX at my work telephone number. I notified the person on the phone that she was not allowed to contact me at my work number. I never gave permission or authorization to be contacted at work. I also told her orally that I am not allowed to get these kinds of calls at work. She told me that she tried to reach me and was unsuccessful so she would continue to contact me at work. I repeatedly told her she may not call my work number and she suggested that I put her on hold and go into another room. That is unacceptable and unprofessional. The person never confirmed my identity other than " Is this XXXX? '' I could have been any XXXX. She did not confirm my DOB or any other information before revealing that this was an attempt to collect a debt for past due credit card payments that were 4 payments behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
This matter relates to a checking account ( XXXX XXXX XXXX XXXX XXXX XXXX acct. # : XXXX ) we opened to manage HOA funds after my two partners and I commenced construction of the subdivision. Last year, as we approached 75 % of homes sold, we entered into a contract with a Property Management company to handle HOA matters, which also included them creating a new ( XXXX XXXX XXXX ) bank account for HOA funds. We wrote a check to transfer a large portion of the funds from the Regions account to the management company to place in their XXXX XXXX XXXX account, reserving around $ 6K+ in the Regions account while we continued pursuing a matter with the new HOA board regarding monies owed to our entity they were disputing, hoping that the monies being held in reserve would provide us some leverage in resolving the dispute. 

Well, as we discovered just recently, the Regions account was closed and funds apprehended without our knowledge. I have had both verbal, and subsequently email dialogue with the local branch manager ( XXXX XXXX ), requesting a detailed explanation of how one of the new HOA board members ( and reportedly a former Regions employee ) was able to close this account when my two partners and I were the only three signatories on the account. It took weeks to receive a response, and then when we did, it essentially stated that the HOA acted within the parameters of their agreement with the property management company and any further inquiry needed to be directed to one of them. I replied back that we feel this is a bank matter, not an HOA matter and are still seeking explanation on how Regions could allow an account to be closed without any of the authorized signatories involved. That followup request has gone unanswered, so our next step is to make this complaint and inquiry as we feel banking laws may have been broken. If this matter is more appropriately brought to another governing agency, please advise of such so we can redirect.

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 2018-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES
State: WA

Complaint narrative:
Great lakes borrowing service keeps emailing me telling me I need to pay but I dont have a job, haven't had 1 since leaving college 2 years ago, and have submitted the deference paperwork to them on their app, it's like they're purposefuly losing it so they can XXXX me more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AE

Complaint narrative:
On XXXX XXXX I wired {$4900.00} from XXXX to Coinbase. Coinbase sent an email back an hour later claiming the wire transfer was rejected because the senders name did n't match the name on the Coinbase account, and that the money will be transfered back into the senders account within 3 days. I Called XXXX and sent an Amended wire transfer shortly after the initial Coinbase rejection email. Today is XXXX and I have n't heard from Coinbase yet. I 've sent 2 help tickets a few days apart from each other, and I sent an email to them today informing them to deposit the money back into my XXXX. The only reason I have't called is because I hear the wait time is hours long. I 'm in XXXX living on a military installation, and do n't want to pay exorbitant phone fees just to be disconnected after a 2 hour hold. 

The sender 's account is mine, and the Coinbase account is my wife 's. My wife is also linked to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My wallet was stolen on Saturday XXXX XXXX. I contacted American Express Bluebird immediately. My card was closed but not before someone took {$230.00} out of my account in two transactions. AEB said I couldnt file claim until they posted. I called back on XXXX XXXX once transactions posted and filed a claim. They then sent me an affidavit which I filled out and sent back on XXXX XXXX. I was told Id have to wait 10 days. I waited and received an email stating they thought transaction was authorized. I called again on XXXX XXXX and they told me there was nothing I could do. They were not going to help any further and there was no one I could speak to in order to escalate my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
Company called an elderly relative and told her about the debt. Woke her up from her sick bed at XXXX am. Threatened to take action. The relative is also on a no contact list. Calling my relatives is totally illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Strategic Financial Solutions, LLC
State: TX

Complaint narrative:
XXXX sold my information to a debt solutions company. I was contacted by strategic financial solutions and they had my credit report score and details about my finances. This is a violation of my privacy and I never gave them permission to sell my information. Please cease from using my personal information as I feel like this is identity theft. Ask strategic solutions phone number XXXX to Never contact me again. If my information is stolen or used I will file suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XXXX my grandmother filed for chapter XXXX bankruptcy. She did not put our home under the bankruptcy and was given a loan modification. This was due to an income change because she had a series of XXXX. She XXXX XXXX in XXXX. Right before she XXXX she was a couple of months behind on her mortgage payments. I contacted the company to resolve the issue and take over the loan. My sister and I applied for a loan modification and it was granted in XXXX of XXXX. When the XXXX payment was to be made the relationship manager assigned to my case do n't send in the payment until further notice because there was a mixup with the paperwork and someone would be in touch with me. The verbal reason I was given after many attempts was that I initiated the payments too early. They then said we skipped steps. I did everything that was asked of me. They then said the debt was discharged in a bankruptcy but the house was n't entered under the bankruptcy. I showed them proof from her lawyer that it was n't. I 've been fighting Ocwen Loan Servicing LLC for the last for years and the company has foreclosed on my home. We 've had this home for over 40 years and I feel there was a predatory scam ran on me to keep the home. We have been at this for years and I just want to retain the home. There was a company that did an initial look into the matter but wanted {$3000.00} with no guarantee of results. The loan amount has gone up to {$150000.00}. XXXX XXXX is the bank that held the loan. We 're raising an XXXX child and teenager and our home is security and stability for the children. When I went to the court to stop the sale the company adjourned the sale and pretended to want to work with me but I had to get in contact with their lawyers to find out that was n't happening. No one contacted me. Every contact was initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
Hello : Date XXXX/XXXX/XXXX I called to Collection Company and asking for charge under my name they told me the charged was from XXXX XXXX for amount {$960.00} I never received any notice for this debt but I agree to paid in XXXX/XXXX/XXXX for they reported, remove and deletion this charge from the major consumer reporting agencies but I called several time they never respond my question what happened with you promisse. well I think was victim of the lie.

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 2018-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
XXXX XXXX forclosed on my home XX/XX/XXXX. I believe I was fraudlently foreclosed on. It is impossible for me to owe both XXXX XXXX and Ocwen. My loan was orginally serviced by XXXX XXXX. Ocwen purchased XXXX 's assets back inthe end of XX/XX/XXXX. Ocwen reaches out and states they can assit. I enter the SAM Modification and I was still paid my first 2 trial payments and I was still foreclosed on by XXXX XXXX. The paperwork was robo signed and I was cleary done wrong and my rights in general and due process rights were violated. XXXX XXXX has transfered ownership to their name. I have attatched paperwork and court cases which should assit in my explanation. 

The foreclosre is still being reported negatively on my credit reports. This damages my character many other damages that come with that type of negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
On XXXX XXXX I went to my bank to initiate a {$6000.00} USD wire transfer to coinbase. They are an online cryptocurrency exchange. They promised that it would be processed and credited to my account in one business day. 

It is now XXXX XXXX and my account has not been credited by coinbase. I have called numerous times in the past weeks and their customer support is a joke. They can not help you with anything, only escalate your case to a 'specialist ' which in return sends you an automated e-mail. You can only contact this 'specialist ' by e-mail, but when you attempt to, they never respond to you. 

My money is in limbo and I can not do anything. I can not get an answer for why my money has not been credited and where it is, I am told to simply wait. I have been waiting for now approaching close to 1 month. 

They also are continuously accepting new bank wires even though they acknowledge they have a massive amount of backlogged wires from XXXX. 

My Case ID is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Associates, Inc.
State: FL

Complaint narrative:
Weber & Associates has sent a second collection notice dated XX/XX/XXXX for a medical bill that was paid on XX/XX/XXXX. An e-mail was sent on XX/XX/XXXX after the first notice stating the  medical bill had been paid. They have ignored that e-mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
My ex husband opened an account in my name at XXXX XXXX. He paid it off but XXXX turned this over to a collection bureau, XXXX XXXX. I have called XXXX repeatedly, with recorded phone calls, where I am told I do not owe them anything. They told me to dispute the bill with the credit bureau and I did so. They turned around and verified debt. I called them back and once again they said I do not owe them anything. If this is not resolved immediately I will be turning over my phone calls to the Attorney General, The FTC, and I will sue for damages. I am tired of the games and of being destroyed for a bill I have proof I do not owe.

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 2018-01-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
In XXXX of XXXX Select Portfolio Servicing ... the crooks formerly known as XXXX XXXX, allegedly became the " servicer '' of my purported loan. They are quite non-responsive to multiple qualified written requests ... 
Under RESPA-I have requested : 1 ) A certified copy of their servicing contract 2 ) A certified copy of their boarding practices and employee training manual 3 ) Documentation over the past twelve months evidencing compliance with said practices/policies 4 ) SPS to send the original wet ink note to their attorney in MN so that my team can inspect it and determine validity/veracity 5 ) SPS to provide documentation reflecting that the purported " owner '', XXXX XXXX XXXX XXXX XXXX XXXX is : a ) Statutorily existent-DE XXXX says it ai n't b ) Active c ) funded d ) tax compliant e ) Was active/extant on XXXX/XXXX/XXXX f ) Since the trust XXXX says it can not accept additions to the pool after XXXX/XXXX/XXXX ... .how is it that it supposedly accepted a non performing loan more than 7 years later g ) Proof that an XXXX XXXX temp employee had the authority and complied with the legally necessary review and oversight prior to signing as a " XXXX XXXX '' ... smells like forgery. Notary violation. Bonding violation. 
h ) SPS please provide copies of your current bonds and contact info. for the insurers. 
6 ) An explanation as to why, after multiple requests they have neither provided a complete transaction history ... or any form of explanation for its absence as required by RESPA 7 ) Why they behave contrary to the XXXX provisions, in non-compliance 8 ) What allows SPS to purport to be a servicer ... of an installment lease ( no mortgage, just bearer notes for bonding purposes, cancelled and converted at securitization ) ... in violation of the SEC ( AB 1122 ) and IRS bulletin 544? 
9 ) Why is SPS not yet honoring my XXXX rescission? They did not take an appropriate adverse action within 20 days-thus rescinded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Received a letter from Quicken Loans in XXXX of XXXX that we were approved for a FHA loan and for the house we were renting. The owner was selling after our lease was up in XXXX. The broker XXXX XXXX with Quicken Loans strung us along and 2 weeks before our lease was up we could n't get a hold of XXXX XXXX and his boss called us one week later and told us we do n't qualify. Companies like Quicken Loans if suppose to notify applicants within 30 days if loan will be given we were n't notified within that time period. Because if Quicken Loans we had to pack up our home put our belongings in storage and live in a hotel until we found a home to rent. Quicken Loans left us homeless and as a woman XXXX XXXX XXXX and not well off this affected my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied the Wells Fargo Cash Wise Visa Credit Card - Reference Number : XXXX. However, I got denied with the following reason : " Social Security Number provided ca n't be verified. I spoke to Wells Fargo Cash Wise Visa Credit Card customer service and told them that I faxed the copy of my Social Security, however they said they did n't receive, then I faxed again, then I checked to status of the application, it changes from " declined '' to " pending ''. After that I made a copy of my social security card and send ( post office mail ) with the enclosed envelop from Wells Fargo Cash Wise Visa Credit Card sending to me to ask me to provide them the copy of my social security card. Moreover, I am currently the customer of Wells Fargo Mortgage ( Please see attachment ). I do n't know why my social security number ca n't be verified.

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 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, my bank account (XXXX XXXX) was compromised, so I contacted Coinbase about it. As the result, they have frozen my account for the period of 4+ months. They have charged my bank card on file automatically for $XXXX (causing overdraft fees and depleting my account) and also frozen the Coinbase account with funds in it.I have spent 5 months contacting Coinbase. I have spent 50+ hours of call time, e-mailing (Coinbase was e-mailed more than 200 times). Nobody has ever resolved my issue.At one point, I was told that I will not be allowed to use the site, then I was issued an apology and told they will soon refund all the funds and unlock my account. Now, there is absolute radio silence.As of today, XX/XX/XXXX, I still do not have access to my account or funds.I am beyond upset and broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
i opened an account with coinbase.com in XX/XX/XXXX 2017 in order to invest in bitcoin . I initially deposited $XXXX to my new coinbase account & invested in bitcoin. After a few weeks, having made about $XXXX,  I sold the bitcoin & transferred the money to the coinbase wallet & also left a few dollars in bitcoin, etherium, litecoin, etc. I tried to WITHDRAW U.S. DOLLARS shortly thereafter from my Wallet balance of about $XXXX to my XXXX account & was told I needed to "verify my identity" by uploading a front & back photo of my california driver's license. I did this once, twice...and now five or six times, & it keeps telling me the verification "failed." Other ways to withdraw will not work either. The banks they work with do NOT include my credit union, etc. And they will NOT tell my why my verification failed; what I can or should do to rectify , etc. PLEASE HELP !

Company response to consumer: Closed with explanation