vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-14 00:00:00
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
Coinbase rep, XXXX has been being an XXXX to me. They require a photo id when adding cards to their system. He seems to think that their policy trumps federal government guidlines. I was unable to do so because their system was not allowing it, whatever I tried. He has the last XXXX of my ssn in his system. I am unable to do much without a good working phone. Explaining that to him, was just like explaining that to a brick wall.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
We get daily calls from phone number XXXX. They claim to be from a debt collection agency 'Central Credit Services '. They instruct us to call a different number ( XXXX ). We do not owe a penny to anyone and have an excellent credit score to prove it. I just want these calls to stop. I am afraid to call the XXXX number because I have read online that it is a scam to obtain personal information. We have had the same telephone number for XXXX years so I find it hard to believe it is an innocent mistake.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY

Complaint narrative:
Good morning, On XXXX XXXX I spoke with a representative by the name of XXXX XXXX at Mercantile Adjustment Bureau regarding an outstanding balance with XXXX, I requested to pay the prinicipal balance and for all interest to be removed. XXXX was very nasty stated they will only remove half and if I do n't pay it it will continue to affect my credit, at that time I requested EXPLICITLY to not be contacted at this number, he said ok then hung up. On XXXX XXXX I received a call after I put in a DNC from XXXX XXXX at MAB, when picking up the phone I advised him that he is in violation of the request, he said he understood and asked if I wanted information regarding my account or no. He stated the same offer he gave me the day prior, still unwilling to work with me, and also in violation of my DNC request I advised XXXX that I can not accept the offer and that AGAIN I do not wish to receive calls as previously requested and that I may have to contact an attorney, XXXX said " whatever '' then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Chrysalis Holdings LLC
State: CA

Complaint narrative:
I have never contacted New Day USA for any reason. I continue to receive their deceptive mortgage offers. I have asked them to stop sending me mail and they continue to send me mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
Rise Credit XXXX has put XXXX hard inquiries on my credit report. Firstly, this is more than anticipated, and secondly, I was under the impression that these would be soft pulls - the excessive hard pulls are having a huge impact on my credit score and are keeping me from refinancing my home. Please assist me in removing these.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
this originally was a neck device that was purchased at a therapy office, That was supposed to be covered by the insurance company XXXX, I did not find out until a year later that I owed this, so I offered to return it, the company XXXX would not accept my offer, so right now I 'm still in the appeal process with the State attorney 's office. So this should have not been sent to collections until fully resolved. Now I got this central credit services calling and there very loud and abusive for something that is still in dispute and they keep sending letters.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
My loan does n't seem to drop, I always owe the same amount or more sometimes I really cant afford any longer but I do n't know what to do I figured I 'm almost paying XXXX dollars extra for a XXXX loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: SC

Complaint narrative:
I received a letter of threat that I had 15 days from the date of a letter to pay a debt or they would file suit against me in court. The company then I called and they said I had 15 days to pay or they would send me a confession of judement in order to keep this out of court. I then told them I wanted all paperwork of verification sent to me and I would make a payment of I believe {$140.00} till I could see what this was about. I never received anything but a confession of judgement. I then set up a payment plan over the phone with them and sent the papers back. I emailed them and requested through many calls to get copies of the paperwork and bills to prove the amount. Still nothing. When my payment date came up I called to make a payment they denied me that opportunity said they never reeived the signed copy of the confession of judgement and then said they had already filed the lawsuit with the court. I said you never sent me anything in the mail or called to tell me you did n't get the paperwork. They said the only thing to do is sign a consent judgement. I then had the FTC on the phone with a recorded conversation of them dening me the option to pay. And also me requesting to have the verification documents sent to me. They still did nothing. I have yet to get any verification and they went ahead and said that I denied the service papers to the court when I was never served with papers at all. I sent them a consent to judgement because they threatened me numerous times on taking my paycheck which is only {$350.00} every 2 weeks. I have never receivec any proof of the amount owed on this debt and have around 10 emails asking for the proof and them responding. With what proof to you need. I said bills transactions. They told me that it was around XXXX pages but will not send anything. I was tricked into signing papers for consents and confessions by them and this was all in a 2 month time frame. I even sent them a 20th email stating that I will pay a settlememt of {$500.00} with proof of the debt they denied a settlkement offer. This company needs to be stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
BEING SUED IN SMALL CLAIMS BY VELOCITY INVESTMENTS LLC, UPON CALLING THEM TO VERIFY THE XXXX, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING XXXX WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX COUNTY COURT WEB SITE NOT XXXX ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX, XXXX ( XXXX )

Company response to consumer: Closed
Consumer complaint received 2017-03-16 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: Simon's Agency, Inc.
State: NJ

Complaint narrative:
I was working with XXXX XXXX XXXX without verified Debt. I missed a payment and two weeks later XXXX collection reports Where on my credit report. It is my understanding I was paying towards one bill from one company and not XXXX. This is a violation of my rights and an attemp to destroy my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
I was contacted by Mercantile Adjustment Bureau personnel by the name of XXXX XXXX. The phone call directed to my Aunt house the person left a voice message stating that, this was attempt to collect a debt even, if you do listen to this recording then you are stating that this is indeed '' XXXX XXXX '', and by listening to this message you are confirming of this valid debt, you are formally being notified of a law suit concerning this Debt Please return call to XXXX. XXXX..unquote. This statement is against XXXX, and collection of a debt. This form of collection is illegal, they did not verify if this was indeed my phone number, then they left the message on a family member number letting any information private to me open to anyone with access to my aunts voicemail system. Then they indicated if you listen to the voicemail that you are indicating that you accept this debt and are indeed XXXX XXXX if no contact made on this debt you are formally being notified of a law suit concerning this Debt. What kind of mess is this?? Illegal, Illegal!! Per. fair credit reporting whether original creditor, or collector of debtor, or buyer of debt, you must contact in specified guidelines. I will not be threaten, I know my rights under fair credit laws. Also brutal threats can not be made in attempt to collect a debt. I have yet to see proof of this debt, written notification to review this debt, and account information regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt was written off by original creditor in XXXX. This debt passed Texas statute of limitations in XXXX. This debt is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
A person representing Central Credit Services, inbound call received from ( XXXX ) XXXX contacted relatives indicating they are a collection agency and have not been able to locate or contact me regarding an unpaid debt. Additionally, said correspondent indicated numerous messages had been left and I have failed to return the calls. Truth is, the countless call and messages were apparently left on my mother 's personal cell phone and home phone, not mine and may very well have exceeded the maximum number of attempts that can be made in a given day. Furthermore, while trying to intimidate an XXXX woman into disclosing additional information without success, instructed my mother to contact me and the representative of Central Credit Services would be in touch with her again later in the afternoon to confirm the message had been relayed. Besides the ethic standards by which this company operates, Central Credit Services through it 's employees have violated my privacy and at least XXXX sections within federal Fair Debit Collection laws, including section 804 ( acquisition of location information ) & 805 ( b ) Communication with Third Parties. Furthermore, Central Credit Services is representing itself as an agent on behalf of 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 2016-09-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
I answered a phone call on my cell phone from XXXX woman asked for XXXX XXXX, as soon as i said this is her she started telling me I owed money for a XXXX bill with absolutely NO verification done! she did not verify an address, date of birth, social security number anything, when i told her at the time of the debt I had insurance and that I have told them that before as well as i have told them until they resolve that issue not to contact me, I also pointed out she was calling my cell phone, her words to me were " well youre the one in collections '' this is abusive. 
I then called back and asked to speak with a supervisor who again didnt even verify me, and said if i verified my name that is enough, I advised her that is not enough verification and asked her if that is their policy she said yes all they need is a name, i told her what the representative had said and how it was abusive and belittling she then told me she could not speak to me because she had not verified me at this point we were XXXX minutes into the conversation, so i asked her for their address for a complaint she said the company name is Central Credit Services XXXX , XXXX MO 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 2016-08-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am disputing account number XXXX with LVNV Funding because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. The account is also being reported as having a credit limit when according to the Credit Reporting Resource Guide & Metro 2 standards, credit limits only pertain to charge cards or revolving credit. Not collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX is claiming on my Chapter XXXX Bankruptcy for a credit card that stated was charged off on XXXX/XXXX/XXXX and showing the last payment/transaction date of XXXX/XXXX/XXXX. I have not made any payments since at the latest XX/XX/XXXX ( probably XX/XX/XXXX ), so this account 's statue of limitations has ran out and should NOT be included in claims for payment in my Chapter XXXX. This was included in a group of " dead '' debts what were purchased from XXXX XXXX XXXX. I have disputed this debt several times and it had been removed from my credit bureau years ago, and now they have filed for Proof of Claim. I have not received ANY letters from this company in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Requested this company to c ease and desist and send the debt back to the creditor ... they did not still receiving letters when I asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt is not mine. I 've been disputing this since it was with XXXX in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have never filed bankruptcy and was out of the country for a period of time. I realized bankruptcy entries on my report and contacted Experian to verify and delete this entry. They refused and asked me to contact the court. I called them and they advised they did not send this data or verifying this information. I believe they are relying on third party information that is inaccurate. I asked them for a method of verification and they have refused. After multiple attempts, this is my last attempt before I pursue legal action in the courts for their continued willful non-compliance that has caused me harm FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states : " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Since they claim to have verified this with the courts ( the original source and where they need to verify ), I am requested this information within the timelines stated by the FCRA. 
I am attaching a copy of the courts response and their stance on credit reporting. I expect them to furnish the CFPB as well with this information so they do not disguise a letter as sending it to me directly. I want this documentation for the record in case of a legal action.

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Fair Collections & Outsourcing is reporting a eviction on my credit report for an apartment that I never lived in. I have a copy of the signed lease of my girlfriend at the time but I never signed anything or lived at the community

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 2015-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Company LVNV Funding is attempting to collect a debt that was discharged in bankruptcy back in XXXX

Company response to consumer: Closed
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
this credit card company will take 8 days to apply a payment to my credit card after they know it 's been collected so that they can charge interest on the outstanding balance instead of applying the payment to the account right away they make you wait up to 8 days so that I can collect interest this is illegal and it 's wrong. I want to be compensated for the interest that they collected on a payment that was received and help for 8 days

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 2015-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX said opened a account on XXXX XXXX 2000.I did not open an account then nor do I have one now. They say I owe {$7400.00}. I have no idea what this is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Utah System of Higher Education
State: CO

Complaint narrative:
My student loan was recently purchased by XXXX from XXXX. This is a loan that I have made payments on like clockwork every single month since graduation - 8 years ago. I was not notified of this changed arrangement, nor was I notified that they would cancel the automatic processing of debits from my checking account. Now this account shows as delinquent, and my previous favorable interest rate - secured by enrollment in the automatic payment program - has been increased by a factor of XXXX. To compound these problems, XXXX website has major usability issues caused by an issue with their XXXX certificate. Now I am waiting on the phone to speak with someone because I can not access my account via their web portal.

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 2016-06-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
This credit card opened an account for someone other then me in my name and now they trying to make me pay for it even after I disputed it.

Company response to consumer: Closed with explanation