vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: McCarthy, Burgess & Wolff, Inc.
State: TN

Complaint narrative:
I call this office in an effort to settle the debt in around the first week of XX/XX/XXXX. I acknowledged the debt. However I was met with harsh language and threatening comments. After much harassment and threats I made an agreement to pay {$100.00} per month starting XX/XX/XXXX.and a payment of {$60.00} in XX/XX/XXXX was agreed upon. He stated that if I break the agreement I would lose what I paid in. On Thursday XX/XX/XXXX he { XXXX XXXX } called back making threats that I need to get a lawyer and there was no agreement made, and there was nothing in writing, and that the debt was due in full that day, and no other arrangement will be accepted that it must be paid in full. He continued to be little and speak harshly to me still denying that there where any prior arrangements. 
He has made several derogatory statements making my efforts to reason with him impossible I do not want to put up with being yelled at and him raising his voice in a confrontational manner. I have never been disrespected in this manner before. Also I had a recent letter stating that I had other options of paying this debt but he refused to acknowledge the letter from the original creditor.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX XXXX 2017 called card company to correct fraudulent mailing address on file. Card was cancelled, address corrected and new card mailed out. Two weeks later receive notice account is locked and to send documents to verify identity. Around XX/XX/XXXX taxes necessary documents. Still locked out of account a week later. Called 4 times and account is still locked. Given email to upload verif8cation documents and still have not had my account unlocked. Transferred and have waited up to 25 minutes on hold and given excuses the department is closed or because of snow or holiday I need to call back. Took 3 phone calls to get email address to upload documents. Now after 4th call no resolution. No explanations. I have a bank account and another credit card with company and no issues but I apparently can not be verified for same address that is on all accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I received a foreclosure sale notice to my house from XXXX XXXX, XXXX on XX/XX/XXXX scheduled for sale on XX/XX/XXXX. The notice said in part " Enclosed please find a copy of the advertisement of sale as published in XXXX XXXX XXXX -- -- ''. I could not find a copy of the advertisement as claimed by XXXX XXXX, XXXX in the foreclosure notice letter I received. I have also checked XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX when I received the foreclosure notice letter I could not find the advertisement of foreclosure sale to my house in XXXX XXXX  XXXX as claimed by XXXX XXXX, XXXX. I also checked XXXX XXXX XXXX of XX/XX/XXXX I still could not find the advertisement in XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD ASTRA RECOVERY HAS CONTINUED TO CONTACT ME FOR A DEBT THAT THEY CLAIM I OWE. I HAVE SENT NUMEROUS LETTERS TO THE COMPANY ASKING TO RECEIVE DOCUMENTS SHOWING MY SIGNATURE AND AUTHORIZATION OF TAKING OUT A LOAN WITH THEIR COMPANY AND THEY HAVE CONTINUED TO NOT ACKNOWLEDGE MY LETTERS. THIS COMPANY IS REFUSING TO SUPPLY ME WITH DOCUMENTATION OF THE DEBT BECAUSE THEY DO NOT HAVE DOCUMENTATION TO PROVE THE DEBT IS VALID. THIS IS NOT THE FIRST ATTEMPT I HAVE MADE TO TRY AND RESOLVE THIS MATTER WITH CREDIT DISPUTES. I HAVE INFORMED THEM TO STOP ALL CALLS AND COLLECTIONS ATTEMPTS AND TO CEASE AND DESIST AND THEY CONTINUE TO VIOLATE MY RIGHTS AS A CONSUMER. THIS COMPANY HAS NUMEROUS VIOLATIONS OF FCRA, FAIR DEBT COLLECTION PRACTIVES, AND TCPA. I AM REQUESTING THAT THE CFPB INVESTIGATE THEM AND THEIR PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: KY

Complaint narrative:
This is outdated, inaccurate and requested validation many times nothing received. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
During credit repair, it was pointed out that I have this account showing up on two credit report, XXXX and XXXX. I do not have any contract with this company and never heard of them. I believe that the credit repair company said this was a medical debt claim, which would then be a violation of HIPPA Laws, as I have NEVER contracted with any medical provider to have anything publicized that I am recieving any medical services or treatments with them or any other company or provider. I also receive XXXX, so I have XXXX, as well as XXXX to cover all medical bills. Each medical provider is notified up front and knows what is eligible and what is not. The insurance carrier that combines those together to be billed is XXXX XXXX XXXX and I have previously contacted them about providers abusing me by billing me when they know they are not permitted to do this. I believe this company may fall into that category.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America notified me on XX/XX/XXXX of last year that they require I have valid FLOOD Insurance coverage for a detached garage on my property and permanent home residence. I produced the documentation proving the existence of flood insurance on my home, but the bank refuses to accept my current and valid flood insurance coverage provided through FEMA for the detached structure. This is a standard FEMA policy the bank should be familiar with. 

I and my insurance agency have both submitted proof of such coverage, but the bank has refused on 3 separate occasions and numerous phone calls to accept the documentation provided. Instead, they have bought flood insurance on my behalf at a higher price than I would obtain, and have charged my account with the cost of this duplicative insurance. Their policy has a premium of {$360.00} for {$18000.00} worth of coverage for the detached structure, already covered up to {$25000.00} under the insurance I purchased. 

The policy I purchased states on page 3 in the documentation ( which is standard FEMA SFIP Dwelling Form ) that attached structures are covered up to 10 % of the value of the main flood insurance coverage, this value being higher than the minimum demanded by the bank. Bank of America have refused to accept this documentation. 

The last effort involved my insurance agent calling the bank to assert the validity of the coverage in addition to sending them additional documentation, yet they just sent a new letter on XX/XX/XXXX,  again rejecting this coverage and refusing a refund. 

According to my agent, this is standard FEMA coverage policy the bank should already be familiar with, so I believe they are doing this in bad faith to squeeze more income from their customers. This has to stop. 

Bank of America 's initial notice was on XX/XX/XXXX, and we have been fighting this issue ever since to no avail. The last and most complete information about applicable coverage was sent to them around the XX/XX/XXXX from my agent 's office. I need your help desperately to fight this. The bank refuses to accept valid documents, so it seems I have no recourse but to seek help from your agency.

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 monetary relief
Consumer complaint received 2018-01-15 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: EQUIFAX, INC.
State: MO

Complaint narrative:
This letter is a formal complaint against XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I 've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 
For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it 's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

For two, there are three accounts, in particular which they just refuse to investigate ( XXXX XXXX, XXXX XXXX XXXX XXXX ), yet  they turn around and tell me that these accounts were verified by the Creditor. However, I 've contacted the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

For three, I 've actually disputed with XXXX XXXX several timesdirectly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I 'm even in dispute with them via the Better Business Bureau. And I 've sent every piece of proof that both XXXX  and XXXXcould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files becausethey continue to report erroneousaccounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they 're simply ignoring theproof that I 've sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
Coinbase transaction placed and was promised on XXXX XXXX XXXX. Bank checking account was charged the transaction amount and fee. Funds were to be available XXXX XXXX XXXX inside of coinbase. Money is still out of my account and the purchase is still not in my wallet. I filed 2 support tickets under two different categories over the last month. XXXX response from company. I have all documents to support this claim and will provide as needed. 
I have tried to contact customer support but the phone system does not handle financial issues that are sensitive. Support tickets have received zero response. I have reached out to all moderators on their reddit page, also no response. 

XXXX XXXX - {$1000.00} removed from my account. 
XXXX XXXX - Estimated delivery date of purchase to Coinbase. 
XXXX XXXX - Unrelated to dispute I receive an annual e mail from Coinbase in regards to privacy contract and dispute resolution. 
XXXX XXXX - Based off information in Coinbase email I run a report that shows this transaction as COMPLETED. Which it is not. 
XXXX XXXX - Support tickets filed and every available alternative to contact exhausted. Was told multiple support tickets by the same person would slow down their response. 
XXXX XXXX XXXX - Still no contact in regards to dispute. No support ticket showing up in my cases under my support settings inside of XXXX. 
Still says pending inside of coinbase. 
Please advise on what approach would be best.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elite Financial Services, Inc.
State: MO

Complaint narrative:
This letter is a formal complaint against Elite Fin, a collection agency located in XXXX, Mo. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I 'm just over my head with this company. I ca n't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
This was included on my bankruptcy and they will not take this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: NM

Complaint narrative:
Experian is not responding to my request to investigate, verify and remove accounts from my credit report that do not belong to 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 2018-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Bayview LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Once again we cant get Bayview to service their loan unless we file a CFPB complaint. 
Even Bayviews own attorney is frustrated with Bayview. The attorney informed Bayview several times over the last week - to remove the litigation flags preventing Bayview from speaking with us. Bayview is ignoring their own attorney and is refusing to remove the litigation flags, and therefore speaking to us, XXXX XXXX XXXX, as an authorized third party. There is a foreclosure date coming up very quickly and we simply do not have time to allow Bayview to continue playing these games. XXXX It is apparent that Bayview is ignoring their own attorney in order to force this property into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: NJ

Complaint narrative:
I receive letters at about 2-3 years home from XXXX stating I had applied for a credit card with them I called them and inform them that I never applied for a credit card with them and to please noted on the system and do not accept any applications for credit cards with them because I had no plans of applying for a credit card with them about a year later I receive another letter trying to verify information concerning another credit card I had applied for I called them again they did n't accept the credit card but nothing ever done them they when ahead and reported to XXXX XXXX that I had applied for a credit card adding 2 hard hits to my credit score, I called them on XX/XX/18 and was told they had already taken care if but I looked at my credit score and the 2 hard hits still there I want to officially file a formal complain agains XXXX and request that they have the 2 hard hits remove from my credit score, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to XXXX and Transunion that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. Transunion should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.

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 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to Equifax and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.

Company response to consumer: Closed with explanation