vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
My Mortgage was recently transferred from   XXXX   XXXX   to  XXXX   XXXX  Mortgage. I was told that starting  XXXX   XXXX  I was to set up an account to have my  XXXX  payments deducted.  XXXX  was no longer managing payments. I c alled Nation Star and  they said a packet would be sent by  XXXX . If I did not receive it by that time to call. I did not receive it by  XXXX  and I called in. The rep gave me my new loan #. I set up an account on  XXXX  my money was taken out. Then on  XXXX  another payment was taken out.   On  XXXX   XXXX , I called to find out wh y two pay ments were taken out the representative (  XXXX   XXXX   ) w ho gave me her phone number  XXXX   XXXX   XXXX   XXXX , told me that  XXXX   may  have taken it out as well. I confirmed that my account with  XXXX  was closed. The representative and I placed a conference call with  XXXX   XXXX   XXXX    XXXX     ( Spo ke with  XXXX ,  XXXX   XXXX   XXXX   Representative  ). He confi rmed all my payments were made until  XXXX . They did not take out  XXXX . I was issued a credit to my account. I went online to check the next day and there was a pending payment for  XXXX  still in my account. On  XXXX   XXXX ,  Nation Star too k out the amount again. I placed another call  to Nation Star about this and was told after 45 minutes that a manager named was informed and I would have the money refunded within 48 hours. That has not happened. Also, every representative I spoke with at Nation Star gave me their phone numbers but stated they usually can n ot be reached on these numbers. I tried to reach  XXXX  and phone rang o ver ten times. I trie d her phone number many times throughout the week and the phone just rang. I do not understand why no one can direct me to a phone number where calls can be returned. I find this highly unprofessional. Also anytime I asked a representative why this was happening with the payments they could not tell me. They also were unaware of the transfer issues. It seems that no training has happened to assist your representatives on how to handle these situations, which I find very disheartening. I do not have the time to spend on the phone at work or to have double payments taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On   XXXX   XXXX   XXXX    , I requested a credit line increase after confirming multiple times with two agents that the credit line increase would not result in a hard hit to my credit bureau. Soon after, I reviewed my  XXXX  report and noticed that a hard inquiry was in fact posted to my credit bureau. I then notified Comenity Bank  ( " Comenity  '' ) via telephone, explained the situation, and asked that they review the calls and my account to validate that they in fact stated this would not be a hard inquiry. The supervisor I spoke to informed me there was nothing he could do. I then wrote a letter to Comenity explaining the situation, and I received a response in Comenity that stated they reviewed my account and everything was correct, with no discussion of listening to the calls.   At this point, I notified the CFPB of my complaint and my situation. The CFPB then forwarded the complaint to the FDIC. The institution FINALLY conducted the research I requested several times and provided a response ( attached ) stating that the following occurred : - Bank associates incorrectly stated a hard inquiry would not occur ; - Several instances where a Bank associate did not address [ my ] concerns or adequately resolve this matter ; - Associate did not read the proper disclosure to [ me ] when they processed  [ m y ] request for a credit limit increase ; and - A request was sent to the credit reporting agencies to remove the inquiry from [ my ] credit file within 45 calendar days.   Comenity 's response was sent on   XXXX   XXXX   XXXX    , and the hard inquiry still appears on my credit bureau.   I recently contacted Comenity, and  XXXX   XXXX  notified me there is nothing further that he could do. Under the Fair Credit Reporting Act, they did not have permissible purpose or permission to access my credit bureau, and therefore, incorrectly posted a hard hit to my bureau report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
This account was opened by my ex-wife and it 's showing up on my credit file and ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Early Warning  Services came back and stated that the records were verified by the financial institution even though they listed a social security number that was different than mine. They refuse to remove or suppress this information and as such I am being adversely impacted and can not open a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Olympic Collection Inc.
State: CA

Complaint narrative:
XXXX   XXXX  . This has been going on since  XXXX . They contacted me by phone several times over the past few months, in which I requested written proof of the debt in question. I asked for proof and even went to dispute it, but I was told it was easier to pay it off. In which I have paid monthly payments of {$50.00} to {$150.00} and now find out that not only is the debt in dispute, the total amount was charged off and I do not owe any money and that it was paid by my insurance company. Not only am unsatisfied with their operation, practices, but false names false acquisitions and finally, They WITHDREW {$50.00} ON  XXXX / XXXX /  XXXX   YOU WERE NOT AUTHORIZED TO DO.   I do not have any responsibility for the debt they are collecting, I told them if I am responsible for this debt, mail me the documents that make you believe that. THEN THEY stop all other communication with me and with this address under  XXXX , and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and sent it to another DEBT Company and also would not indicate to them that it is disputed. reported it to a credit bureau, also report that the debt is disputed. I contacted the BBB, They have numerous slanderous complaints. They do this to people under different names. i even told them  THEY  were being recorded and they changed their name and hung up.     Thank you for your cooperation.   Sincerely,  XXXX   XXXX ,  XXXX .    XXXX  see :  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  https :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
FILE COMPLAINT ON EQUIFAX CASE #  XXXX  NO NO YOU DO NOT GET TO INVESTIGATE AGAIN YOU FAILED TO COMPLETE THE INVESTIGATION TH E 1ST TI ME WITH IN THE FCRA 30 DAYS THAT YOU HAD TO INVESTIGATE I 'M GOING TO NEED YOU TO DELETE THIS ASAP Dear  XXXX , Your most recent Equifax reinvestigation has been started. This process can take up to 30 days to complete. For faster delivery of your results, you can now receive the results of your investigation online.   To accept receipt of the results of your investigation online, please click on this hyperlink :   XXXX   XXXX   XXXX     XXXX  Any reinvestigation that you have created within the timeframe of this request will be available for your review online upon completion.     We appreciate your help as we work together to protect our environment by going green and increasing your account security with electronic delivery.     To allow us to protect your privacy and deliver prompt service, please visit our website. If there are items you believe to be incorrect, yo u may be able to initiate an investigation request via the Internet 24 hours  a day, 7 days a week at :   XXXX   XXXX   XXXX   Using the Internet to initiate an online investigation request will expedite the resolution of your concerns.     Unsubscribe : If you do not want to receive these emails, please click on this hyperlink to unsubscribe :  XXXX  :  XXXX ?  XXXX  Please DO NOT REPLY to this email as this is a system generated email and will not be read.     Thank you for giving us the opportunity to serve you,   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I checked my credit report and seen Debt Recovery Soultions is reporting  XXXX  accounts stating that I owe them. I sent the agency a  XXXX  validation letter asking to provide proof and my signature stating I gave them permission and access to my personality information. Debt Soultions sent a letter NOT  VALIDATING  my information but verifying information. I see a lot of things on the verification letter that 's incorrect. The phone number that they have on the letter  XXXX  NEVER had that number. The service date that they provide does not match the service date that 's on my credit report. Debt Soultions stay the service date on the account is from  XX/XX/XXXX ,   XXXX  and the  Service date on my   account says  XX/XX/XXXXX    Debt Recovery Soultions will not send me validation of this debt they only sent me verification that 's very incorrect. Debt Soultions failed to verify information. I 'm sending a second letter asking for validation .Debt Soultions also wrote in the letter that " the amount in hbd due from patient column on the enclosed is   XXXX    because the account has been charged off as delinquent ". There is information that 's on their letter that does not match my information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
The company contacted this place of business on an Emergency contact line with a recorded phone call asking for us to call back. When called back they would not assist in removing the group of numbers they contacted and were told to not contact this business regarding any debt collection. We have received repeated calls from this company with no ability to talk to someone or remove our number from their list when we receive the call, and when called back they said they did not call the given number. The line they called is designated for emergencies inside the building and we treat all calls on that line as an emergency, and should not be getting robocalls from debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I was notified that I had taken out a loan, tried to fight it with the vendor and eventually just paid it to get it off my credit. It is still on my report and I want it removed. The above reason does n't accurately describe it. I did not ask for the loan or receive  it. Ad Astra  originally said if paid the account would be removed but now said they will only remove it if I file a complaint. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This is th e 3rd ti me that equifax released my credit information to companies fraudulently and when told that it was fraud they refuse to remove it. My credit has had  XXXX  inquiries from   XXXX   and  XXXX  from  XXXX .  XXXX  will not remove it unless there is a police report. The point is equifax was the that refusing to investigate and remove the fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I asked to have all non-holding inquires removed off my credit report due to the fact that I did n't not give my permission to have my credit report ran, I request to removed them and send me an updated report showing they have been removed, and a lot of the inquires are on the same day from a car lot that I have never been to or talk with anyone that works there

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
This company put a bad collection debt on my credit report. This same debt was deleted from my   XXXX    &amp;   XXXX  report because of false reporting information from a different previous collection agency that placed it as a collection on my credit report. The original creditor (  XXXX  ) doesnt even show on my report anymore because the debt is so old. I never received a debt collection notice from this company because I would have disputed it a lot sooner. This is a bad debt &amp; I want it removed from my  XXXX  report through the dispute I filed with them. They violated FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
XXXX   IS BLOCKING ALL CREDIT FURNISHERS FROM REPORTING ON MY   XXXX   CREDIT REPORTS.    BARKLEY NE EDS TO CONTACT   XXXX    REPRESENTATIVE TO FURNISH WRITTEN EXPLAINATION FOR THIS DODD-FRANK 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 explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
We applied for a credit card with   XXXX   XXXX   and was told that Equifax has us owing a credit card {$10000.00}. We pay all our credit cards in full each month for the last 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Credit Service, Inc.
State: MS

Complaint narrative:
I was contacted via my cell phone  ( first time ever ) f rom Asset Recovery Associates this morning. I was advised I have ignored their letter  (  I have not received any written communications from them in the past ) and they were offering me a one time " deal '' to settle a {$11000.00} debt for an electronic payment of {$1500.00} and {$2400.00} on  XXXX   XXXX . When questioned I was informed the debt was from a  XXXX  Credit Card I reportedly defaulted on in   XXXX  . When asked to provide verification of this debt I was told no and if I did not take the offer the court had already been notified and a judgment would be levied and my wages garnished for up to 40 %. I informed the supervisor  XXXX   XXXX  (  XXXX   XXXX  ) that " IF '' this was my debt the statute of limitations in Mississippi was three years and he was eleven years outside of that. Mr.  XXXX  then became irate and called me irresponsible, a bum and a " superthief '' for " taking '' the money from  XXXX . Mr.  XXXX  ten went on to say he would " GAURANTEE '' I would pay the {$11000.00}. I sent him a responding email to cease and desist all contact and the state statutes for time barred debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BYL Collection Services
State: CA

Complaint narrative:
collector wants to charge me for phone appointments that we never had. I do n't have any writing agreement with them. I refuse their services and they keep calling me to make appointments. then they want to charge 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 2017-04-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA

Complaint narrative:
I called the compa ny ARS ( Account Recovery Services ) to validation of this debt that has been reported on my Credit Report several times. I spoke with t he agent who would not provide any information. He kept going around the question. I 'm not understanding what to do next this company is becoming a nightmare and its affecting my family to the point where I 'm unable to provide us with a place to call home. Please assist me with resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
The company  XXXX   XXXX   XXXX  are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report on   XXXX   They then closed the account on  XX/2016.  Next, they removed the ok status from   XXXX   and added an ok status for   XXXX   Then changed the whole history from charge off to failure to pay. I 've ever did business with  XXXX   XXXX   XXXX  company and I do n't think it is fair for them to damage my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them over 30 days. They did not respond in a timely manner

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 2017-04-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP
State: AL

Complaint narrative:
I pulled a credit report a few weeks ago and I noticed an credit card was reporting on my credit file and I have wrote them several times requesting information regarding this account and I have no knowledge of this account but the company will not send me the Information I have requested

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra Recovery v alidate the debt but to no avail. I have received threating phone calls from deb t collectors on my  job and afte r 9  at night. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HONOR FINANCE, LLC
State: AZ

Complaint narrative:
I got a vehicle loan in  XXXX    XXXX   and recently I contact them to let them know that I was in the process of filing bankruptcy, that I am attorney represented and I provided my attorney contact information to my lender on Monday  XXXX   XXXX . Today is  XXXX   XXXX  and my lender has continued to call me despite me telling them I am represented and they need to direct all questions to my attorney. They have contacted me on the following dates and times ( usually leaving a voicemail every time ) Tuesday  XXXX   XXXX   XXXX    XXXX   XXXX   ( we spoke  for 8  minutes, where I again advised them I am attorney represented, and they told me that until my case is filed they will continue calling )  XXXX   XXXX  They called at  XXXX    XXXX   XXXX  , left a message.    XXXX   XXXX  they called at  XXXX    XXXX   XXXX  , left another message- I called them back and again advised them I am attorney represented.     I called my attorney and let them know about the calls- they advised me to log every call I get and we can potentially sue them. They are committing unfair debt collection practices and violating the Fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN EAGLE MORTGAGE COMPANY
State: SC

Complaint narrative:
I was not notified that my mortgage had been sold and transferred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: FL

Complaint narrative:
Request to stop the calls and they keep calling during work hours and at night when sleeping

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: USCB Corporation
State: GA

Complaint narrative:
i just saw the debt pull up no inquiry i am unaware of  XXXX  college or the collection agency i filed a theft report this is not my 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