vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
In the past, multiple complaints have been registered against this company for not following through in correcting false information being filed with XXXX. 

CSR has been reporting to XXXX, that one of my addresses has been XXXX XXXX XXXX XXXX in XXXX, KS. This is false. Also, that I have lived at XXXX XXXX XXXX XXXX in XXXX, KS less than two years. Also false. I have lived at XXXX XXXX XXXX XXXX in XXXX, KS since XXXX/2014, and never XXXX XXXX XXXX XXXX in XXXX, KS. This mess is a result of the incompetency of XXXX at XXXX XXXX in XXXX, KS, in conjunction with CSR of XXXX, KS. Both parties have been given countless opportunities to correct their screw-ups, but did not. I had to pay to get my reports to see what was wrong. Again, because XXXX XXXX and CSR refused to fulfill their legal obligations. As a result, and at the request of the FTC, a formal affidavit has been filed against both parties with the FTC. 

CSR is to immediately remove the XXXX XXXX XXXX XXXX, XXXX, KS address entry from my XXXX  credit report, and to indicate that I have lived at XXXX XXXX XXXX XXXX, XXXX, KS since XXXX/2014. If XXXX at XXXX XXXX in XXXX, KS did her job, none of this would have ever happened. Her corporate office in OK is going to be sent a copy of all complaints related to this matter. 

This discrepancy is negatively affecting my mortgage application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
On the day of XX/XX/XXXX, I mailed off a letter to Navient/Department of education. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. Navient converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up with American Express for a Gold Credit card. I was told that a welcome bonus on XXXX will be given with the card after spending {$2000.00} in the first two months. It's been more than a month and I have already spent close to {$3000.00}. I received the Points as promised but I am not able to use the points. They say there is a hold on spending the points for 6 months without giving a clear reason for the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 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: Early Warning Services, LLC
State: NV

Complaint narrative:
Im a victim of ID Theft and the information that you are reporting under my name is a result of fraud. I have sent you a copy of my id theft police report that i have filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called Capital One to see if they have a valued customer credit for the annual fee since we are in the holiday season. The representative advised that there is nothing available. Several years ago I had an issue with the annual fee with one of my other Capital One cards and a supervisor advised that they can switch my card to a Quick Silver card in which it does not have an annual fee. I am wondering why this associate could not suggest another Capital One card that does not have an annual fee. I asked if there was another card that Capital One can offer which does not carry the late fee. The associate finally did provide a solution to transition into Venture One card which does not carry an annual fee. This was done however In feel that Capital One should adjust this annual fee since I have been a loyal customer for many years and I have many accounts with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from 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 explanation
Consumer complaint received 2018-12-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On the day of XX/XX/XXXX, I mailed off a letter to XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from 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 explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I send XXXX XXXX XXXX in 2nd weeks XX/XX/2018 and I didn't get any respond I send my 2nd letter certified mail on the XX/XX/2018 to same address then they respond. I asked for a list of information and to validate the debt with my signature, electronic recording etc. that they claim is mine ( reference ID XXXX amount {$1200.00} ) and they refuse to provide those information and ignoring my request but yet still they still reporting to the credit agency which also as long as there's an investigation all reporting and collection should stop which they didn't comply which any FCRA laws and violate my rights as a consumer. I can't get no funding or any kind of approvals to help better my life due to fact they have ruin my credit and still is at this present time. if they can't abide by FCRA laws I demand they remove it and all negative remarks to be removed from my credit profile which have been destroying my life. I will include copy of the 1st and 2nd letter that was sent without my personal info on it. looking forward hearing from you, thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On the day of XX/XX/XXXX, I mailed off a letter to XXXX/XXXX XXXX XXXX. in that letter was a statement saying that the company agreed to delete/waive a late notice that was marked on my credit report XX/XX/XXXX when they decided to cash a check I also included in the envelope. The check included was in the amount of {$190.00} for the payment of that month. XXXX converted the check to a digital check and cashed it, but the late notice was not removed from 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 explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: TN

Complaint narrative:
I was contacted in XX/XX/2017 by XXXX XXXX XXXX regarding an amount of {$920.00}. 

this was for medical services. upon investigation, the medical provider made an error when applying the charges to my health insurance provider The medical provider resubmitted the claim to my health insurance company and it was then paid. 

I've contacted both the collection center and the medical provider and asked them to delete the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
After separation from my ex-husband, and subsequent divorce, I came to find out that I was still listed on our joint bank account and the balance had fallen into the negative. The negative balance associated with this account was well over {$1000.00}. I was fully unaware of the negative status of this account, and certainly had no idea that it had been charged off. I am still unsure of how it is legal for a bank to allow such an excessive charge to pass through, when there is no money in said account. In the terms of our divorce decree, it is stipulated that any and all debts incurred during the time of our legal separation are the financial responsibility of the party who acquired them. These charges were incurred solely by my ex-husband, and the bank associate even confirmed that it was clear to her, that the only debit card in use was his own personal card. Mine was entirely inactive. Even after calling in and pleading my case with the bank and offering to provide proof in the form of divorce documents, there was no consideration made to removing me from the liability of this debt. This debt affects me in two critical ways : I am unable to obtain any new bank accounts in the future until this debt is fully paid, and secondly, it is strongly impacting my credit score in a negative way. As a now single mother, I simply can not afford to pay for the gross financial irresponsibility of my ex-husband. That being the case, I feel XXXX should reconsider my request to remove my financial liability from this account, and the continuing mark on my credit, and be satisfied in pursuing XXXX XXXX for his debt.

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 2018-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I initiated a transfer for {$1400.00} via online banking on the Bank of America website on XX/XX/18 at around XXXX. This was payment for deposit and first month rent after I had sent back a signed lease to the scammer. I had discovered that it was a scam later that day and called Bank of America at around XXXX on XX/XX/18. I had asked them to stop the transfer, but they said there was nothing they could do even though they knew it was a scam.

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 2018-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
The following is in response to reference # XXXX/XXXX. Mr. Cooper responded to the question of tax payments being sent to the taxing authority agencies. After significant research, phone calls and past documents we have structured this response : by the statements provided by Mr. Cooper ; the question of the tax deferral XXXX was stated to have been in place since XX/XX/XXXX. The deferral has been in place much longer than this date, we purchased the home in XX/XX/XXXX and proof of XXXX was provided in person by visiting the XXXX County Appraisal District ( HCAD ). This is beside the point but it must be pointed out that this information is incorrect. In addition, the deferral has been in place but did not become a point of collection activity until the loan was modified. By Mr. Cooper admission, part of the modification of a loan is to pay pass taxes. Did this servicing unit over-look those with a XXXX deferral in place? We do not believe Mr. Cooper has a policies in place to address an exception for homeowners/consumers with XXXX deferrals and exemptions. Further, these taxes were placed in escrow resulting in a minus {$28000.00}. This will ultimately result in higher payments. Although Mr. Cooper 's information on how tax deferrals work was given in their response, this information has been known since obtaining a deferral 12 years ago ; the taxes are only a deferral and must be paid after my death or the sale of our home. Please provided information that is unknown. Why were payments sent out to pay taxes in the year XX/XX/XXXX?  This home was purchased in XX/XX/XXXX??? The statement from Mr. Cooper suggest there is no refund to be requested because the taxes are actually owed, is this what is being used to support your error, why wasn't this an issue before now? This did not become an issue until the loan was modified. Otherwise, taxes dating back to XX/XX/XXXX would have been place in escrow or not, please explain your position and the policy you have in place to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
Gurstel Law Firm began threatening litigation with intimidation tactics. They are acting as predatory vultures ; these tactics are event of standard modus of operandi aggressively ligating citizens, veterans, and seniors. 1. My identity was stolen verified and confirmed from several institutions. 2. Use of intimidation when they came to my house. 3. Im a veteran of the United States XXXX, I will not be threatened or intimidated. 4. Extortion threatening litigation with examples of their known tactics using the court system! Several class action lawsuits have been filed, settled or pending against Gerstel Law firm. See below examples of a history of aggression against litigants and veterans : XXXX v. GURSTEL CHARGO, PA A district court is required to consider four factors in making a final determination that a settlement is fair, reasonable, and adequate : ( 1 ) the merits of the plaintiff 's case, weighed against the terms of the settlement ; ( 2 ) the defendant 's financial condition ; ( 3 ) the complexity and expense of further litigation ; and ( 4 ) the amount of opposition to the settlement. In re XXXX XXXX. XXXX. Cost Recovery Fees Litig., XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). A court may also consider procedural fairness to ensure the settlement is " not the product of fraud or collusion. '' Gurstel Law Firm , P.C . and XXXX XXXX I, XXXX are the defendants in a proposed class action accusing the XXXX defendants of unlawful debt collection practices. Federal lawsuit alleges that collection law firm Gurstel Chargo told XXXX veteran that he should have died. By XXXX XXXX on XX/XX/XXXX A Minnesota-based collection law firm, Gurstel Chargo, is in the news after allegedly making some incredibly insensitive and offensive remarks to XXXX XXXX, a XXXX military veteran. According to a lawsuit filed in U.S. District Court in Arizona, Gurstel Chargo garnished the bank account of XXXX wife. The lawsuit alleges that the garnishment froze the veterans benefits that XXXX wife received as a result of XXXX XXXX, which a judge later ruled were exempt from Gurstels garnishment. But according to the lawsuit, when XXXX called Gurstel to get the money back, an unidentified legal assistant allegedly told him that he would have to sue in order to get the funds back. When XXXX tried to explain that the funds were exempt veteran XXXX payments, the lawsuit alleges that the legal assistant told him F you! Pay us your money! You cant afford an attorney. You owe us. I hope your wife divorces youre a. If you would have served our country better you would not be a XXXX veteran living off social security while the rest of us honest Americans work our a- off. Too bad ; you should have died!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My student loan was bought by Navient along with the majority of student loans sometime in XX/XX/2013 I believe. I was contacted by them to start making payments. I couldnt afford it at the time having a job that barely paid my bills as is. They requested I go for Student Loan Forgiveness.  Which I did and made several payments following which is what they requested. I didnt hear from them for 2 more years. One day I decided to look into it and as it turns out they had been sending me letters and emailing me about having to make payments. However, they had the incorrect address of where I lived ( house number was off by 2 digits, very strange almost like they changed it so I wouldnt see it ). My email address they had on file was also incorrect. Low and behold, my loans  had defaulted and gained copious amounts of interest. After dealing with 20 minutes of machines I finally reached a representative. They had no idea why that happened and they requested I take a break from payments with financial hardship. I signed up for that not knowing that my loan would continue to accrue interest and raise it even higher. I did this twice before I realized that was happening. I called and expressed my concern and they explained to me how to enroll in the Income Driven Repayment plan. After a week of dealing with mailing my information, talking to reps, and figuring everything out, I was finally able to apply. I made modest payments for awhile and then was notified I would have to reapply every year I wanted to do that program. They made it EXTREMELY difficult to reapply and gave poor customer service as to how I could continue to use the program. The representatives were rude and I was transferred several times to figure out what I needed to do. After 2 weeks I finally just sent them the information they requested and am waiting on acceptance. The normal payments are half of what my rent costs every month and I dont understand how anyone in my situation is expected to pay that much every month. So now Im paying through income driven repayment and it barely covers my interest rate. Im dissatisfied with the customer service and overall handling of my loans with this company. I wish I was with someone else that could actually help me get my loans under control. Although, thats not likely to improve with anyone else. In a nutshell, my only option is this : You cant afford the outrageous payment every month? Ok we will cut it in half but youll be paying your loans quadruple what you pulled out in the first place something needs to be done about the student loan problem millions of Americans my age in this country face.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
- XX/XX/XXXX realized that my american express membership rewards balance ( ~XXXX ) has been frozen as I am unable to transfer to travel partners -XX/XX/XXXX contacted amex via chat and was told that my account is being reviewed for the next 6-8 weeks. No additional details or rationale was given as to why or what I needed to do to resolve quicker.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
This debt company is attempting to collect a debt from me I believe is not mine. They are damaging my credit by reporting this debt to be accurate. I have not lived in Michigan for some time. I am contacting an attorney due to this fraud.

Company response to consumer: Closed with explanation