vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
They are contacting my co-workers asking where I am located. These are people who only know me by name. So far to my knowledge they have called at least 2 people. 

I am currently having my wages garnished for the debt they are trying to collect and they are still harassing me and calling third parties about 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 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This complaint stems from the original CFPB Complaint # XXXX. The original complaint was prematurely closed after XXXX responded. 

As of XX/XX/XXXX my cosigner and I of a private student loan taken out around XXXX, settled a defaulted student loan. I made sure that both I and my cosigner received an email of the settlement agreement and were told by XXXX 's agent ACT ( collection agency ) as of XXXX, the account was listed as settled in full and closed meaning it was sent back to XXXX to update on both of our credit reports among other things. However, XXXX still has the account status listed as a charge-off. Additionally, on XXXX 's student portal through my account overview, it is listed as behind in payment. It has been more than 45 days and XXXX refuses to uphold the terms of our settlement agreement. ( See attachment : Updated XXXX Settlement Agreement ). 

A settlement agreement was made by XXXX 's agent with " actual authority, '' and it has to be honored. I am still being adversely affected credit wise while XXXX has accepted payment in consideration for settling this entire private loan. Moreover, under the original CFPB complaint # listed above, you will find that XXXX concedes to receiving this payment in its response but continues to state that it will remain on our credit reports until paid-off, in what world is that a settlement? I responded by questioning this statement because the language in our settlement agreement and our intent was to settle the account in full, not payment in full, meaning " One, Single, Final Payment '' to be done with. 

According to XXXX 's standard, settlement agreements are just a payment arrangement. Wherein the American justice system a court would read within the four corners of this agreement and find express language that no longer holds me or my cosigner accountable monetary wise for this private loan. 

Nevertheless, to continue to report the status of the loan as a charge-off, and behind in payment would be '' inaccurate '' and a violation of the Fair Credit Reporting Act which carries {$1000.00} penalty per occurrence. 

Further, I am alleging that XXXX entered the agreement with " bad faith '' as it had no intent on holding up its end of the agreement instead it thought it could deceive a student into making a payment and continuing collecting the full balance. Fortunately, I received the settlement agreement via email before the account was sent back to XXXX as " Settled in Full. '' I have attached all of the documentation as well as a recorded call that confirms that this account was sent to XXXX as " settled in full '' and closed.

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 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates filed a Summons And Complaint against me. The complaint stated I owed them {$670.00}. The case number is XXXX in the XXXX Judicial Circuit Court located in XXXX, MI. 
During pretrial the lawyer representing the law firm attempted to use computer generated statements and I stated they were hearsay. The lawyer then produced an affidavit.I can not remember the Affiant 's name. I asked the plaintiff ( PRA ) if I could question the affiant and also requested the original assignment agreement between the original creditor and PRA. 
The judge allowed it and set a trial dated. Shortly thereafter I received a dismissal filed by PRA. 
My complaint is this. They dismissed the case because I believe they did not have the legal right to sue for the full amount. Which is why I asked for the ORIGINAL assignment agreement. This agreement typically says how much the assignee can sue for. Never the full amount. PRA is still reporting this on my credit reports. I believe this a violation of The Fair Credit Reporting Act. 
I also believe their Affidavit process needs be investigated. In 2010 they had an employee signing a deceased woman 's name ( XXXX XXXX ) and had been for over 15 years.When the person who signed the affidavit was questioned. She stated that they signed so many affidavits she didn't think anyone would notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Miller, Stark, Klein and Associates
State: OR

Complaint narrative:
On XX/XX/2018, at XXXX XXXX, I received a phone call from XXXX which was a robocall informing me that they had tried to contact me at my address regarding a complaint filed with their office, but could not contact me. I pressed 1 to be connected to a man who said he we from Miller Stark Associates and that he was attempting to collect on a debt I owed to XXXX XXXX XXXX for {$1000.00}. He knew the last four digits of my SSN and an old address from about 5 years ago. He offered me two payment plans and wanted to know how I would like to pay. I hung up at this time. I contacted XXXX XXXX XXXX who confirmed that I do not have any outstanding balances and that they did not submit anything to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I noticed a purchase made on my XXXX XXXX XXXX XXXX credit card due to receiving an email stating my order had been shipped. I logged into my XXXX 's account and found a charge for {$260.00} for a XXXX XXXX XXXX XXXX XXXX. The order was placed on XX/XX/ and shipped to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, phone number XXXX. I contacted XXXX 's and spoke with 4 different representatives who kept transferring me around the Fraud department. I was eventually placed on hold and waited 17 minutes and no one returned on the line before I disconnected. I called back and was directed to the Fraud department again. They explained that they would cancel the shipment and that I would not be refunded until they had the item back in hand. I explained that this was not fair, I did not place the order, and felt as if I was being punished due to a fraudulent charge placed on my account. I asked to speak with a supervisor and was placed on hold again, I waited 10 minutes and eventually disconnected, again. I called back, and spoke with a representative in the Fraud department who closed my account and explained I would need to fill out paperwork that was going to be mailed to me. The due date for my minimum payment is due XX/XX/ and I do not feel that I should be responsible for paying on this fraudulent charge. XXXX XXXX has been nearly impossible to work with, I have spent countless hours on the phone/hold with their departments to have nothing resolved. The shipment to XXXX XXXX was never stopped and did get delivered to him on XX/XX/.

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 2018-03-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Veripro Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX I was in the process of trying to settle an old mortgage with Veripro and, unfortunately we could not reach an agreement. Approximately 10 days ago I contacted Veripro to try and settle the account and after speaking with the representative, we were again unable to reach a settlement amount. During the conversation, the rep mentioned that the reason we had not heard from them was that there was a " Cease and Decist '' letter on file. The rep then asked if I wanted to remove the letter so they could contact me regarding any specials or promotions and I declined. She attempted to persuade me to remove the letter a few more times and I said no. Then 2 days ago, my wife received a voice mail with an aggressive message from the rep stating we needed to call right away! I can not believe they would blatantly disregard our Cease and Decist letter and also our request via phone to not be contacted. This is NOT ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I received on XX/XX/XXXX that a foreclosure sale on my house have been scheduled for XX/XX/XXXX. Mr. Cooper has not since it took over from Nationstar Mortgage reach out to me to discuss the issues concerning my HAMP Loan Modification which I applied for in XXXX, and which is yet to be resolved. The foreclosure sale notice which I received from XXXX XXXX, XXXX claimed that I should find a copy of the advertisement of the foreclosure sale as published in XXXX XXXX XXXX ; that is not true. The claim is false as I did not find any copy of the advertisement enclosed in the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/, there was an unauthorized {$500.00} transfer out of the joint account both my wife and I share. The bank sent my wife an automated Daily Account Summary Alert at XXXX XXXX. My wife, upon reviewing the email while at work, called chase at around XXXX XXXX. When calling Chase, they told her we should buy a service they sell that better secures our accounts. After several questions, and insinuations alleging she was lying, and that we " just forgot '' we sent the transfer, she were able to file a claim. They said they would investigate the claim, they froze all withdraws from that account, locked my wife out of her online account, and recommended we close the compromised account. Which we did together that afternoon. After several days of not hearing back from them, my wife called them again on XX/XX/XXXX. They then told her the claim was denied and would remain closed. Unless we could somehow prove to them it was fraud. I told them that we did not authorize the transfer, we do not know the person it went to, and then asked if they even bother to try to contact the person that received the money. They told me that they do not contact the other person and that all the burden of proof now lies on us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
About a month ago some of my family members started receiving threatening phone calls from National Credit Systems. The calls have been recorded and saved. It was not until the 4th voicemail that the caller identified himself as a debt collector. The saved voicemails can easily prove this both with the text of the voice message along with the time and date stamp. National Credit Systems has already broken federal law by not identifying themselves as a debt collector. 

National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. 

I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I have had a coinbase account since XX/XX/XXXX till current. I have used their exchange XXXX  same time. On XX/XX/XXXX, I was surprised coinbase disabled my account " buy '' feature and that also meant I can NOT log in my XXXX  account. I have my funds ( Cash {$23000.00} and Coins worth {$25000.00} ) in XXXX. 

I called and emailed coinbase and XXXX 15 times so far over the past 18 days. I am only told my account is under specialist review and they are busy, the specialist will try to review your account but no time frame when it may happen. 

In my calls and emails I specifically request coinbase/XXXX  to release my funds since they have no right to freeze it and they responded with same point that the specialist will review account. 

I have used coinbase since XX/XX/XXXX and I have submitted all documents to verify my ID and income sources, including my bank and credit card information. I submitted my driver license, my USA passport and every required information coinbase requested. 

I have found many customers on social media are experiencing same issue withcoinbase, freezing accounts and no access to funds. I believe this is not a legal action for coinbase to do and they should be reviewed by state and federal authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I recieved a letter from IC system, I got this letter months after it was sent Due to the fact that I'm in XXXX at a really remote location near the XXXX border in the XXXX region. It took the mail almost 3month to get to me. Once I recieved this letter I paid the bill ... this is the confirmation numberXXXX, ,now this has affected my credit score ..and I'm trying to rebuild my credit ... I settled with them for XXXXusd. I'm asking that they remove this hard inquiry off my credit history. 


XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX ) XXXX I C SYSTEM INC XXXX XXXX XXXX XX/XX/XXXX {$530.00} {$530.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

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 2018-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CHALLENGE FINANCIAL SERVICES
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX from Challenge Financial Services called my place of employment regarding a car payment. I provide XXXX XXXX, I explained to XXXX his calling interrupts and delays the delivery of XXXX XXXX. I informed XXXX, which he is well aware, I am within the grace period and it is inappropriate to call my employer regarding a car payment, and to cease any phone calls to my place of employment. On XX/XX/XXXX, at approximately XXXX, XXXX called my job again, after being told not to do so. I informed XXXX of the previous email I sent him to cease calling my place of employment for a car payment, which is within the grace period. I am no more than 10 days late paying the car payment, which is due to my pay dates, and also XXXX was made aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX I was in the process of trying to settle an old mortgage with XXXX and, unfortunately we could not reach an agreement. Approximately 10 days ago I contacted XXXX to try and settle the account and after speaking with the representative, we were again unable to reach a settlement amount. During the conversation, the rep mentioned that the reason we had not heard from them was that there was a " Cease and Decist '' letter on file. The rep then asked if I wanted to remove the letter so they could contact me regarding any specials or promotions and I declined. She attempted to persuade me to remove the letter a few more times and I said no. Then 2 days ago, my wife received a voice mail with an aggressive message from the rep stating we needed to call right away! I can not believe they would blatantly disregard our Cease and Decist letter and also our request via phone to not be contacted. This is NOT ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I was called by a representative from portfolio recovery at XXXX EST onXX/XX/XXXX and my fianc picked up the phone. This person tried to collect a debt after XXXX to a party ( my fianc ) who didnt verify my identity. My fianc asked why were they trying to collect a debt after XXXX and she said she was only doing what she was told. At first she lied and said she was calling California, which my fianc said no youre not, to which the representative said she was calling Florida ( correct ). She acknowledged she was calling Florida and still tried to proceed. Ive never lived anywhere other than on the east coast. On XX/XX/ I called and talked to a supervisor about this incident. I explained the situation and he claims calls are made based on area codes, even though the woman saw clearly, I reside in Florida, acknowledged, and then continued. He stated if my area code was different than my state, they could call like that. Ive never had this trouble before. I requested my debt be sent back to the original holder. He laughed at me and asked if I wanted to set up a payment with them. I informed them I will be taking further action and disconnected the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I was a victim of bank fraud and was unable to make any payments on any accounts for several months. I never received notification that this debt was going to collections until it hit my credit report. I immediately contacted XXXX to make the payment because it was finally resolved through my bank. XXXX stated on that call that they would remove the debt from the collection agency. the agency is telling me that they can not remove ( delete ) the negative collection report from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 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: Western-Shamrock Corporation
State: AL

Complaint narrative:
Creditor : Western Shamrock Credit Bureau : XXXX XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from XXXX on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( Western Shamrock XX/XX/XXXX ) I contacted Western Shamrock on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XX/XX/XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for Western Shamrock or XXXX who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
In XX/XX/2017, I switched phone companies from XXXX to XXXX. XXXX has a switcher or buyback program where they will buy you out the phone up to a certain amount. I spoke with a representative from XXXX at XXXX XXXX as to how long it will take to pay the whole bill off before it reflects on my credit and she told me 6 months. When I was doing the switch for my wife & I, we have to give XXXX both phones, which we did, in order for the switcher program to proceed. They sent one box to my house and as instructed by XXXX ( a worker at the XXXX store ), I put both phones in the box then a week later a second box was received. Up to this day, I've been still trying to resolve receiving credit for the second phone that was traded in and because of that, XXXX has still not paid for the second phone from XXXX. XXXX, in 2 months, sent the bill to a debt collector where I tried to dispute it and they were rude and told me it would affect my credit badly if i didn't pay it and when I do pay it, it would come off my credit ( which i found not to be true anyways ).

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