vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
Originally there are four payday loans that were originated at XXXX XXXX in XXXX Nevada. Before they charged off I attempted to contact XXXX XXXX in collection department and they refused to get a manager involved so I can settle this before it charges off. They go ahead and charge off all for loans. One is in the amount of {$270.00} one is in the amount of {$190.00} one is in the amount of {$480.00} and one is in the amount of {$670.00}. I presume that that includes the interest at the time of charge of. And then went to a XXXX XXXX company called Ad Astra in XXXX Kansas. On XX/XX/2018 I did call And spoke to XXXX. and I offered them an {$800.00} settlement the response that I received from this company was " oh I can't even consider that because this was not has not even been reported to your credit profile '' pull the call, apparently they are recorded ... Well that is the purpose to try to settle this so my credit profile is not damaged. XXXX XXXX refused to speak with me regarding a settlement and so is Ad Astra their address is XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX their telephone number is XXXX. Their collectors are quite rude so I asked to have a manager call me. I did request that a do-not-call be provided due to the collection efforts on this however no one can ensure me that I would only be called once a week or once a month. I requested personally for a manager at Ad Astra to return my call as of today 's date there has been no such call. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I upgraded my Gold card to a platinum card by using the offer I received in the mail which was for XXXX reward points. I had a RSVP code of XXXX XXXX XXXX XXXX and a call in code of XXXX. I called in to make the upgrade and was assured that the reward points would be applied. You can imagine my surprise weeks later when the points were still not credited to the account. I called in and opened a case and they have not resolved it after 8+ weeks. They said that they can not find a copy of the letter that they sent me with that offer code. thankfully I have it ( and uploaded it and the name of the rep I spoke with and their extension number ) that links that code to me. This is unacceptable. Clearly a bait and switch. I remember seeing online the promotion for XXXX points if you upgraded as well. It should NEVER take 8 weeks for them to fix their mistake and four calls to supervisors to inquire as to the status and to fix their mistake. 

There are dozens of similar stories online about reward points just magically never getting credited to peoples accounts and the struggle with Amex to get it fixed. Someone needs to hold this company accountable for their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery called me 20 times this morning which is clear harassment. I called them and asked the why a they denied it. I have the call logs to prove they called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
First complaint XXXX Now complaining again! Called XX/XX/XXXX talked to a loss mitigation representative, said loan was under ASSUMPTION since not dead can not assume, was told this last XX/XX/XXXX,  have letters stating that and want loan modification, have askind also for copies of loan documents since XX/XX/XXXX then rep said email to a different department! received a letter dated XX/XX/XXXX that was in process! but nothing! RESPA stats have right to receive all signed copies of loan documents and in california modification has to be reviewed have sent more than one time, inclosed are just some of the proof and yet know one can get the modification under review when all paperwork was faxed in a timely manner! DONT LIKE COMPLAINING but nothing gets done with this company! XXXX XXXX on LOAN -- I XXXX XXXX have POWER OF ATTORNEY AND ON TITLE! ( had to refax more than 10 times )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently noticed an account on my credit report that listed as XXXX XXXX XXXX XXXX and I never opened an account with this company. When I called the company and sent multiple letters they have sent me back a generic letter stating the account was not opened fraudulently which I never opened this account and if they are say I did then I asked for a consumer agreement or application with my signature on it and they stated on XX/XX/XXXX that they don't keep that information on file past 90 days. The still have have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it or etc. ) and under Section 611 ( 5 ) ( A ) of the FCRA. The will not because they stated that they don't have it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
I keep receiving phone calls from XXXX but they never leave a message. When I called back I was transferred to XXXX. She stated I owed them for XXXX XXXX XXXX. I asked her for proof of the debt and she stated " we sent you a letter telling you what you owe ''. I advised her that I have a legal right to see proof of the debt, not just a letter. She became angry and said " fine, you'll get it '' and then hung up. I called back and asked to speak to a manager and was transferred to XXXX. She asked what the problem was and I explained to her and she stated " Yeah, I know, I listed to the call so what do you want ''. I said I want actual proof of the debt, something where I signed stating I would be responsible for the debt, actual itemized statements with dates of service etc. She verified my mailing address and then stated " I'll send it to you but we are putting this on your credit ''. I advised I would be reporting their behavior and she said " oh, ok. well, I'll note your file. They never asked me any identifying information nor did they provide any identifying information during the call without my asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
XXXX was the previous company that serviced my mortgage. In XXXX of 2017 the mortgage was transferred to Nationstar/ Mr. Cooper Mortgage , not sure why. With XXXX I had an optionally life insurance policy through XXXX  XXXX. XXXX had always paid that policy through escrow. I almost lost that policy because Mr. Cooper did not pay the policy premium and after finding out I called Mr. Cooper and the short story of the battle since XX/XX/ 2017 Mr.  Cooper said they only escrow taxes and home owners policies. I have bought two homes and had many different mortgage companies because loans get transferred, bought and sold and Mr. Cooper is the only company that has refused to escrow optional life insurance policies. How can a load be transferred to another loan company that doesn't offer the same services? Can Mr. Cooper be made to escrow this policy?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PCR Group
State: MI

Complaint narrative:
I received a first notice of debt from XXXX or XXXX  XXXX XXXX on XX/XX/XXXX. I sent a validation of debt letter via certified mail pertaining to US U.S.C. 1692g, Sec. 809 ( b ) of the FDCPA. on XX/XX/XXXX and an employee named XXXX XXXX signed for it on XX/XX/XXXX. I never received a response from XXXX. On XX/XX/XXXX, a letter from XXXX that was addressed to me was sent to my ex in-law 's address. I ignored the letter as it was not sent to my address and I already asked the debt be validated XX/XX/XXXX. To this day, I receive phone calls several times a week from this company. Below is a copy of the letter I sent to XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX RE : Account # XXXX. Dear Sirs : ( 1 ) I  owe no debt to XXXX XXXX XXXX and dispute the validity of this claim alleged against me. I demand verification of this debt. Mail it to the address above. I will seek the appropriate regulatory and judicial remedies if any adverse information is recorded against me for this debt I do not owe. ( 2 ) If this is related to XXXX XXXX in XXXX XXXX, there was a mutual release of claims in a court settlement. Because I am represented by counsel, all further communications regarding XXXX XXXX must go through my attorney : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ( 3 ) I am not responsible for the debts of XXXX XXXX. He does not reside at the above address. Do not contact me about matters related to him. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I filed a dispute with Equifax on a hard hit inquiry from XXXX XXXX XXXX XXXX Ga which I did not authorize..I did not dispute that at one time I had an account. I filed bankruptcy XX/XX/XXXX on XXXX XXXX XXXX.I am disputing the unauthorized hard inquiry which occured XX/XX/XXXX. after the loan has been discharged.. This still has not been resolved by Equifax. Equifax reported inaccurate information. 
Dispute # XXXX Dispute # XXXX On XX/XX/XXXX XXXX XXXX XXXX did unauthorized hard hit inquiry.On XX/XX/XXXX I called XXXX XXXX Bank left message about inquiry on my credit report..XXXX XXXX, bank official called me back. The conversation went somewhat as follows : Me : This is XXXX XXXX and I am trying to get my credit established and I see yall done an inquiry on XX/XX/XXXX. Its a hard inquiry and I havent even been in the bank. 
XXXX : Well you got a charge off here for a bad loan that we have been reporting. We gon na pull inquiries to make sure we are reporting or not. I dont think we been reporting that charge off. We fixin to put that on your credit and make sure. 
Me : Why are you doing an inquiry? You are hurting my credit. 
XXXX : Its pretty bad now. 
Me : I havent applied for credit. You shouldnt be doing an inquiry. 
XXXX : Again, Im gon na check your credit to see if that loan is being reported. It wasnt being reported last time I checked. 
Me : Its been reported since XX/XX/XXXX. You are wrong about that. You made sure. 
XXXX : Oh ok. Alright good. I just wanted to make sure it was. 
Me : Well I want you to take hard inquiry off because I did not apply for a loan. 
XXXX : Hey, I want you to pay the balance off. 
Me : I filed chapter XXXX, I dont owe that money. 
XXXX : Oh its still owed, its still on our books. 
Me : You know what you did was wrong to us. I will hire an attorney. 
XXXX : Thats fine. XXXX hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: NV

Complaint narrative:
Originally there are four payday loans that were originated at XXXX XXXX in XXXX XXXX. Before they charged off I attempted to contact XXXX XXXX in collection department and they refused to get a manager involved so I can settle this before it charges off. They go ahead and charge off all for loans. One is in the amount of {$270.00} one is in the amount of {$190.00} one is in the amount of {$480.00} and one is in the amount of {$670.00}. I presume that that includes the interest at the time of charge of. And then went to a Recovery Services company called XXXX XXXX in XXXX XXXX. On XX/XX/2018 I did call And spoke to XXXX. and I offered them an {$800.00} settlement the response that I received from this company was " oh I can't even consider that because this was not has not even been reported to your credit profile '' pull the call, apparently they are recorded ... Well that is the purpose to try to settle this so my credit profile is not damaged. XXXX XXXX refused to speak with me regarding a settlement and so is XXXX XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their telephone number is XXXX. Their collectors are quite rude so I asked to have a manager call me. I did request that a do-not-call be provided due to the collection efforts on this however no one can ensure me that I would only be called once a week or once a month. I requested personally for a manager at XXXX XXXX to return my call as of today 's date there has been no such call. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I wasn't able to receive my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I keep getting calls about my wife when she has sent them letters explaining identity theft and to stop contacting me.

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 2018-05-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a Bankruptcy in XXXX of 2011 which did not go through and was closed with out discharge by the BK court which makes not an official BK. I have disputed this with Equifax over the years to have it removed on several occasions to no avail and I am not happy. It is my understanding that Equifax searches for public records with out investigation and does not care to see if the BK is legitimate or not. I was told this by the BK court. Credit Bureaus should not be allowed to do this kind of unfair, predatory and hurtful practice on consumers and they should be punished. It has been on my report for seven years something that was just filled closed with out discharge and never official. The rules need to be changed on how you the credit bureau collect a serious public record information like this. If a BK is official and goes through the courts and is approved sure it is legitimate put it on the report. If it never goes through and gets discharged or dismissed you the credit bureau should have it as a public record on that persons report therefor hurting the consumer by reporting something that was never made official and was only a filed document. I am going to request again to please have my BK removed immediately. If it is not removed I will take further action and go as high as I need to go with the Federal Government to get this removed and make sure you the credit bureau don't hurt the consumer with this unfair and predatory practice again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: LA

Complaint narrative:
GC Services calls me everyday with different phone numbers. I told them that I will resolve by the XXXX. They didnt want to wait. They threatened to collect it from my bank account right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Sometime in XX/XX/XXXX A credit card was acquired in my name using my social security number in which the bill was not paid and sent to collections. I have not accurately checked my credit report until earlier this year and noticed this account. I have went back and forth with this company for months trying to get some type of validation. On XX/XX/XXXX I received a copy of the bill which list and inaccurate address for myself. I called portfolio recovery and offered to give them a copy of my lease from my apartment complex or a copy of my bills from XX/XX/XXXXto prove this is in fact identity theft and what city and state I lived in. They would not accept it and the representative XXXX told me that it is my debt and I had to pay it or they would sue me. This company is unprofessional and use aggressive tactics to try and get you to pay a debt that they can not even prove to be yours. I have proof that is it not my debt and I have never lived in XXXX, IL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 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: VA

Complaint narrative:
I called on XX/XX/2018 at XXXX XXXX  eastern time and spoke with two US representatives who did not budge on removing fraudulent inquires placed on my credit report. There were two glitches that occurred with Transunion as well, where it caused my inquiries to be removed and then placed back on. I'm extremely frustrated with this experience, because they were extremely unprofessional and this has caused my credit score to drop tremendously. XXXX and XXXX had no problem deleting every inquiry off my report with no issue what so ever.

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 2018-05-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: AL

Complaint narrative:
Dept of Education/ Nel Net has been Falsely reporting students loans that are NOT owed to their Department. I have requested 4 times in writing and verbally. I have sent proof to all 3 credit bureaus of my paid in full account with the Department of Education ( not Nel Net ). This error is not only causing harm to my credit file but is also effecting my credit worthiness. Please correct As soon As possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On or about XX/XX/XXXX I deposited a check from XXXX XXXX XXXX XXXX in to a Capital One Savings Account at a local branch, an account that transitioned into an online 360 retail bank account without my knowledge. The check required a signature from myself and an attorney who I fired before being mailed the check. My then attorney ceased communication with me and after multiple attempts of trying to reach the other party on the check I signed it in good faith to pay the attorney for reasonable services and opened a savings account at Capital One local branch Bank to protect the other parties assets. 

Without effective investigation, Capital One terminated our relationship after I willing stated the other party refused to communicate with me. About one month after the deposit was made, the other party communicated with me and agreed to go into a branch and sign the check signed, so funds could be released and everyone can move forward with terminating the relationship. 

On or about XX/XX/XXXX the bank froze all of my assets in my checking and savings account due to the signature issue, then deleted the original check and attempted to charge me for {$2300.00} for a withdrawl that was accepted from the institution around XX/XX/XXXX. On or about XX/XX/XXXX the bank listed I made a customer withdrawl in the amount of {$2300.00} when the account was closed. For almost 2 months I have been reaching out to Capital One Bank to find a resolve to retrieve the funds and complete what is required to terminate the relationship. 

Representatives have stated several times they are not releasing the funds and have repeatedly misled me to believe the bank listed on the check can provide a hold harmless agreement form that can be sent to their security department via fax or mailed. 

On XX/XX/XXXX I visited a local XXXX XXXX to obtain the form and the banker informed me after detailed research the form was non-existent. Capital One refuses to communicate with the bank to reverse funds and they refuse to communicate with me on settling the issue regarding this savings account. 

To this date, XX/XX/XXXX I have not heard from Capital One regarding a resolution on this matter, by phone or mail and at this time they are withholding my funds after termination of the relationship.

Company response to consumer: Closed with explanation