vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — I do not know
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: MA

Complaint narrative:
So the Debt Collector Resurgent Capital Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, SC, XXXX has yet to Verify the debt that is on my credit report under a business name of theirs that they are doing business under XXXX, XXXX. This dispute was opened on XXXX by the better business bureau and still XXXX, XXXX. Or Resurgent has not provided any verification of debt or judgement to be mailed to the consumer ( XXXX XXXX XXXX ). 
1. This debt was added to a credit report without being verified. Incompliance with FDCPA 1692e 1692f and if it has provide official written proof in detail. 
2. This debt has still yet to be verified with consumer as of XXXX/XXXX/XXXX XXXX. Upon dispute from the BBB the Collection agency failed to provide verification of debt, verify debt and or provide the consumer with judgement against XXXX. Have failed to mail any documentation to the consumer regarding the debt 5. I demand that this be removed from my credit report for the above violations. If this is not removed I demand the Collection agency provide the authorization of the initial debt along with the full payment history and actual amount of debt before any and all fees this would comply with the Fair Debt Collection Practices Act 1692e and 1692f There also needs to be a new response not the initial response again sent from XXXX XXXX, XXXX. 

I am giving Resurgent a chance to do the right thing before I file this with the FTC and Commonwealth of Massachusetts small claims court to seek damages from this unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
They should contact my mother to collect these loans Navient is distracting me on my job and home calling numerous times daily for PRIVATE loans I did not take out even though I have repeatedly explained I had no knowledge of these loans and had a full scholarship and grants throughout my college years. 

I have completed all paperwork : notarized affidavit ; checks ; online loan applications ; etc. and gone through a law enforcement investigation in XXXX, CT where the loans were taken out by my mother. My mother has gone through a law enforcement investigation in XXXX, CT and signed a notarized affidavit. XXXX XXXX met with the prosecutor and the case was thrown out and made a " documentational file. '' Navient has even written to me saying, " I benefited from the loans because I was living at the same address. '' I was a full-time student, living and going to college at XXXX XXXX XXXX. 

This is deceptive business practice under FCC for me to be interrupted by Navient numerous times per day. XXXX XXXX and XXXX dropped the cases but it appears that Navient took out a federal guarantee insurance policy to cover themselves. My mother has paid hundreds of thousands of dollars and because of combined interest, NOT ME. This is harassment in the worse way. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We originally fell behind on our mortgage when my husband had an accident and was unable to work due to a XXXX XXXX. We tried to get a modification and was unapproved. In XXXX XXXX they put us on a payment plan and told us to put {$10000.00} down and make payments of {$2500.00} a month for ten months ... We were now behind {$20000.00}. When we first started trying to get modified we were only behind {$6000.00} which was XXXX XXXX. We kept getting the run around with no answer until XXXX XXXX when we got a reply that that modification program had ended in XXXX XXXX. We started the payment plan with {$10000.00} down and made the payments on time and even paid more than was due. Hurricane came and Ocwen contacted me and told me due to the disaster I was eligible for the disaster plan which would give me three months no payments but I could still pay something on the loan if I had it. A month later I tried to make a payment and was told that I could not. When I asked why they said I defaulted on the payment plan. I told them that they put me on the disaster plan. They said that I did not qualify for the disaster plan after they submitted it. I asked why did no one contact me to let me know and they just apologized and said nothing could be done. I was then told they can put me on another repayment plan in order for me to keep my home. This time I needed to put {$8000.00} down on XXXX the XXXX and make a payment in the amount of {$3500.00} on XXXX XXXX. I told them that I can not afford those types of payments but they said that was the only option. I took a loan out on my car and paid the {$8000.00} but I cant afford {$3500.00} a month. My regular mortgage payment is {$1600.00} a month which I can pay with no problem. I asked them if they could take the {$10000.00} that I am behind and roll it into my mortgage as I have over {$60000.00} in equity andI was told no.

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 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
My personal information on the LexisNexis report is inaccurate. I disputed the information however it is still inaccurate. I have a copy of my driving record from the state department of Illinois state motor vehicle. I need my information on the LexisNexis report to coincide with what is on my legal report from the motor vehicle department of the state of Illinois, my driving record.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX i tried to depost {$3000.00} into my Coinbase - XXXX account using Coinbase. They froze my account for no reason and then disabled buying options. I have emailed them multiple times no one responds. I call and no one ever answers. 

I have submitted multiple support tickets the last beingXX/XX/XXXX and todayXX/XX/XXXX Case ID : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have spoken to several representatives with XXXX XXXX over the past month. I have disputed this bill from the beginning. I have asked for them to verify the charges and explain to me what exactly they are collecting. I had XXXXe for about 4 months before I moved. They were unable to service my new address and I had to cancel service. I returned the equipment and paid the last bill. I started getting collection calls and asked for an explanation in which I still have not gotten. I spoke to a rep from this office today and she told me that the equipment was to old and held no value and the charges have been past on to me. I explained to her that I only had possession of the equipment for 4-5 months. She then told me she 's not sure what the charges are for.

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 2018-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
XXXX 2017 I purchased a car from XXXX XXXX in XXXX NY. I put the money down and drove the car for 3 weeks when XXXX XXXX decided they cancelled the loan. However I never received a letter to that effect. So I been driving the car but no finaning. Its insured and legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/XXXX we received notice from XXXX XXXX that a XXXX XXXX XXXX XXXX account was opened in my name. I called them immediately to let them know that I did not open up an account and that it needed closed. 

I wrote them a letter on the following dates asking them to send written confirmation that the account was closed. Each time I received a standard notice back that said they were looking into it and would get back with me. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX We are just seeking for a written confirmation that the fraudulent account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hi I am a victim of identity theft and fraud it shows that I am a policy holder for car insurance from XXXX for two vehicles which one was financed through JPMorgan and chase corporation and this same vehicle was bought at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX,Ma it is a XXXX XXXX XXXX XXXX XXXX which I DON'T own the other vehicle is a XXXX XXXX XXXX XXXX XXXX  plate number XXXX I tried to call Chase corporation last week as well as XXXX and the car dealership as well as the XXXX Massachusetts RMV where there cars are registered and have gotten no where and which these cars and the loans show up on my credit report as well as my information shows up on XXXX as myself for the policy holder as well as student loans and mortgages show up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC
State: IN

Complaint narrative:
COLLECTOR KEPT CALLING MY DADS CELL AND FAMILY MEMEMSBER 7 TIMES AFTER CEASE AND DESIST COLLECTION AND DO N'T CALL ORDERS. 

WE ARE GOING TO SUE FOR {$500.00} PER CALL

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 2018-01-12 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: NV

Complaint narrative:
I 've been disputing these charges XXXX. I contacted the original lender XXXX who was supposed to be working with XXXX college with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.

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 2018-01-12 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: NV

Complaint narrative:
I 've been disputing these charges XXXX. I contacted the original lender XXXX who was supposed to be working with XXXX college with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I 've been disputing these charges XXXX. I contacted the original lender XXXX who was supposed to be working with XXXX XXXX with regards to the refund amount that was supposed to be sent back to the original lender. That was never completed by XXXX XXXX and the amount owed is inaccurate for only attending for a period of 8 months of a 2 year program. XXXX never sent a the original lender the refund required and the lender charged off the account due to XXXX never responding to the lender at the time so the lender sent the entire balance for collection. Please see attached documents.

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 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC
State: OH

Complaint narrative:
XX/XX/XXXX at XXXX XXXX I created an account using XXXX XXXX. 

I have tried contacting support via email and via phone and i get no response or any resolutions. I would like to have my account verified so that I can purchase bitcoin. 

XX/XX/XXXX at XXXX XXXX Submitted support ticket and got no response XX/XX/XXXX at XXXX XXXX Submitted support ticket and got no response Welcome back! We are in the process of verifying your identity. Thank you for your patience.XX/XX/XXXX at XXXX XXXX - No response again. 

Today XX/XX/XXXX Welcome back! We are in the process of verifying your identity. Thank you for your patience.an hour ago - still no response or any progress in verifying my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
US COLLECTIONS WEST IN for XXXX XXXX XXXX account # XXXX. I disputed this account with us collections west I have called several time and spoken to XXXX regarding this account. When they sent me proof of the account they said I owed for a lease break with ( XXXX XXXX XXXX XXXX ) that XXXX XXXX XXXX took over at XXXX XXXX XXXX XXXX, XXXX AZ. I lived at that property for 2 years with a lease agreement of 1 year that I completed and emailed my 30 day notice to XXXX at XXXX XXXX XXXX and she is no longer at that company because it was sold. XXXX and her supervisor went of agreement and agreed that I completed my lease and XXXX XXXX XXXX sent me to collections for a lease agreement I completed with XXXX XXXX XXXX XXXX I never signed any agreement with XXXX XXXX XXXX and I completed my lease agreement with XXXX XXXX XXXX XXXX I have asked for this damaging collection to be removed from my credit report and they refuse and are still calling me to collect money when they already know its a wrongful collection and should have never been placed on my credit report. I have voicemails on my phone saved from XXXX and the agreement shows that dates that I completed with in the lease agreement and this collection is wrongful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted experian via letter and ask that they verify and validate public record aka a bankruptcy that listed on my credit report, they returned the item as verified, I requested a method of verification by phone with a agent on XX/2018 at XXXX eastern standard time, she said the courts verified it, when I told her that the court did not verify anything I have a letter she claimed XXXX XXXX a third part runner verified it, I said thats a violation of the FCRA guidelines and XXXX XXXX need to be listed as the furnisher of this information and a contact information, I requested they tell me who at XXXX XXXX verified it the date it was verified by them so I can contact them, she then stated that she is not sure if XXXX XXXX verified this information ... now she says she dont know who verified it.. well by law you have to know who verified it or else its not verified that means your computer verified it and thats invalid and inaccurate ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have repeatedly tried to access my online Equifax report to file disputes to have fraudulent information removed. My access has been blocked, claiming my information was not correct. I have tried to log in multiple times in the last week to week and a half. 

my information is correct and i have never had any issues logging in until the previous dispute i filed was resolved in my favor and fraudulent items were removed. 

i am a victim of identity theft and Equifax is intentionally blocking access to my file. When I called, i was informed that i could only view results electronically. I was told at first, that there was no technical support department, and then after speaking with a supervisor was told there IS a department but they do not take calls. They told me that it was a temporary error " while they fix their system ''. I highly doubt their system has been " down '' this long. 

I WILL also be filing suit in XXXX XXXX court. this is a gross violation of the state and federal consumer protection laws regarding credit report access and dispute resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery XXXX Not sure what they are looking for but I am tired of being bothered day in and day out every day being harassed with phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC
State: VA

Complaint narrative:
To whom it may concern : I, XXXX XXXX have growing concerns about the business practices of North Shore Agency ( NSA ). First, I contact NSA on X/X/18 and was informed by XXXX that as per her supervisor that I could not record the phone call, in which is a violation of NYS law. Second, I am receiving a reoccurring bill that has been satisfied. The bill states I have 30 days to respond or I will be liable for said charges. I believe that this is a predatory practice and is in violation with corresponding Federal Law. I need my account to be updated as satisfied and no longer receive any bill ( s ) from NSA or I will take legal action. Thank you for your assistance.

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 2018-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation
State: TX

Complaint narrative:
This call was from XXXX XXXX XXXX. They would not tell me what they were calling about unless I identified myself. My comment to them was " you called me, you must know my name ''. Their phone number is XXXX. My credit score is XXXX with one service and XXXX with anther. Why do you think they called me? I can answer that one - it is skip-tracing. I though that was made illegal in Texas during the last Legislative session.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX XXXX XXXX Not sure what they are looking for but I am tired of being bothered day in and day out every day being harassed with phone calls.

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