vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivable Solutions Specialist, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a XXXX debt on my credit report. My social is XXXX date of birth is XX/XX/XXXX. I have requested verification and validation that this debt is mine and still this company can not provide but continues to report on my credit.

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 2015-08-25 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC.
State: AL

Complaint narrative:
Check into Cash states that I owe them {$1100.00}. At the time the dates are listed, my bank account information was stolen. I honestly do not remember this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Concord Resolution Inc (Closed)
State: TN

Complaint narrative:
Concord Resolution calls and leaves me a message saying I have been belligerently unwilling to pay. They have called me every day threating to take action on a payday loan that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to request assistance in handling an important matter with Pentagon Federal Credit Union ( PFCU ) .In 2010, I received I received a letter that I had maxed out on a line of credit with this financial institution. This was the first I had heard of any sort of line of credit with PFCU. I mad inquiries to discover that there was in fact a loan that listed jointly in my name and my ex-wife 's name. I had no knowledge of such loan. When I asked for loan documents where I surely would have been required to sign, I was told that the loan was overdraft protection linked to my checking account. I then asked for documentation to indicate that I had requested such overdraft protection. Thus far, I have received a promissory note with no signature and documents for the checking account with no indication that a line of credit was attached. I asked that the line of credit be closed immediately. 
When I pointed this out to PFCU, I was told that notices were sent out whenever the line of credit was used. I requested copies of these " notices '' but that request was not fulfilled and I never saw these notices. 
After making several payments on the loan when I was still married, I discovered that the balance was much the same as it was when it was maxed out. I called to inquire and was told that the line of credit was never closed. I again requested that it be closed. Months later, I experienced the exact same issue. 
How is one supposed to protect thier money and financial interests with PFCU when such a loan existed without signature? The continued response I received was, " you 're liable and payments must still be continue to be made. '' Futher, I have paid of XXXX vehicles with PFCU and they are holding the titles of those cars against this loan that is completely isolated. I am arguing to be removed from this line of credit as PFCU has misused my membership. 
1. ) I never signed for this loan and the signature block of the promissory note is PFCU provided is blank. 
2. ) There is nothing on my checking account application or check card application to indicate I had knowledge that a line of credit was linked as overdraft protection. There is a line which states " XXXX as applicable, '' however, how is any customer to know what " XXXX '' stands for and why would it matter to a customer if they know no such thing is applicable as they must have knowledge of it. 
3. XXXX vehicle car titles/ are being held despite loans being satisfied over a year ago.

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 2017-02-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Resurgent Capital Services L.P.
State: PR

Complaint narrative:
I have this debt that i do n't recognize and may be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Kirkland Financial LLC
State: AL

Complaint narrative:
To Whom It May Concern : I am contacting you due to a predatory lending matter that we are the victim of for some time now regarding our church mortgage. 
Due to the highest and best use of the property, located at XXXX XXXX, XXXX, Alabama, the current lender, " Kirkland XXXX, '' is exercising a strong-arm tactic, more commonly referred to as predatory lending, to foreclose our property. The mortgage was originally with the lender, XXXX, and was unbeknownst to us up until the time of transfer, sold to another establishment, Kirkland XXXX. 
I have compiled a timeline of events that I think may give more reflection to my complaint. In XX/XX/XXXX, I wrote the President of XXXX, XXXX XXXX XXXX, concerning some concerns I had regarding our mortgage and payments ( see enclosed ). 
After writing the President of the Bank, XXXX XXXX XXXX, VP of XXXX, came down to visit us and took over our account. I have enclosed our payment history for your review. 
Initially, I believe the locals had a plan to try and take our property due to the current growth of our city. Our property is fixed between XXXX major companies that have moved to this area, XXXX and XXXX. We have more than XXXX square feet on XXXX acres of land. In association with these new companies are other companies that will supply them. That 's why I believe they started trying to take our property. 
Our church is located in a nontraditional facility ( used to be a shopping center ). We have been here as an active part of the community since XX/XX/XXXX, and since that time, XXXX, and more. We are truly a XXXX. 
Enclosed are the documents/letters I signed, up until the time of the sale in XX/XX/XXXX with XXXX, along with correspondence ( including letters and email communications ) from XXXX Investors. 
This has been a long and arduous process. It has been very stressful, due to the purchase of our loan, for one, by another lender ( XXXX to Kirkland XXXX ). This was due to XXXX selling our loan to Kirkland XXXX. They did not communicate with us at any time until they said our payments were in arrears. 
We are looking for immediate guidance and assistance in combatting this predatory behavior. Thank you for your assistance and support in bringing a positive and amicable resolution to this matter. Please feel free to contact me with any questions or comments you may have. 
XXXX XXXX XXXX XXXX, XXXX. 
XXXX cc : XXXX XXXX XXXX, Kirkland XXXX XXXX XXXX XXXX, Attorney General, State of Alabama U.S. Senator XXXX 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 2015-10-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
Case # XXXX For XXXX XXXX status shows the account was closed, reported lodt or stolen, and never got re issued or assigned new account instructions for the acct to be re opened for by the bank, on both accounts in which now are closed or in active, unable to access online banking as well, the original opening date of the first acct is platinium relations, in XX/XX/XXXXby me online and by some unauthorized person who received my status and did not maintain the account, then in XX/XX/XXXX I was issued a reg. XXXX debit card, that was stolen no sooner than I got it, this was reported as well never received by me, as it says now on file the account had multiple cards, and they are all now closed ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC.
State: VT

Complaint narrative:
From the start of the process XX/XX/XXXX, critical errors were made by both parties, people make mistakes. However, more recent events leading up to this complaint, and unanswered questions ; have me very concerned : The Closing Disclosure I received yesterday is missing information on the CHANGED CIRCUMSTANCE DETAIL : Date of Change : // - has Empty date?? 
Explanation of Change : - is missing an explanation! Really! 
( Do n't Lawyers do this part? Is there some loophole being exploited? ) At this point, I do n't trust the lender, and fear any mortgage payments would get botched as well. Now I have ran out of time since the closing has to occur by XX/XX/XXXX, and per the lender, not enough time to use my own Lawyer for Title. Today I hear rates are going up again soon, and the cost for me to refinance now, has gone up nearly {$40000.00}, over the term of the loan. 
I find it hard to believe that this was in the spirit of TRID, RESPA, TILA, or VA program requirements. These are all new terms to me, as of this last weekend. 
Since XX/XX/XXXX, many of my requests, questions, and concerns relating to document accuracy ; were played down and repeatedly ignored, most questions went unanswered. I made grave errors as well, not paying attention to detail, needed to insist on the corrections that I wanted. 
I gave them a copy of my Certificate of Eligibility ( COE ), XX/XX/XXXX. They had my VA Appraisal XX/XX/XXXX, around the time I was duped into signing the Loan Estimate. None of the updated information had ever been put into a revised XXXX XXXX like I had asked repeatedly. I have to wonder, are these poor people just stressed out and overworked? 
My rate lock had expired XX/XX/XXXX and I was led to believe everything would get corrected. Well into XX/XX/XXXX, they insisted I needed my XXXX, even after I had information confirming the COE was all I needed. I gave them the number, and followed up numerous times, did the UW ever call? ( XXXX ) I will become an expert before I ever try this again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 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:
On XXXX XXXX 2015 I mailed ( via Certified/Return Receipt ) a " cease and desist '' letter to Resurgent Capital Services. Letter was received and signed for by a XXXX XXXX on XXXX/XXXX/15. Today, XXXX/XXXX/15, I received another " debt validation '' lettter from Resurgent Capital Services dated XXXX/XXXX/15. 

USPS Article Number : XXXX XXXXText of Letter sent : Gentlemen : I am writing in response to your letter of XXXX XXXX, 2015 in connection with your proposed collection of the above-referenced " debt ''. 
After thoroughly researching this matter, it is obvious to me that I do not owe what your firm claims I owe. In fact, I emphatically dispute this alleged " debt ''. As I am aware of my rights under the Fair Debt Collection Practices Act ( hereinafter " FDCPA '' ) as well as Texas State law on the subject of debt collection, I dispute the validity of this debt. 
Please let this letter serve as formal notification that I consider this matter permanently and forever closed, and I hereby demand that your firm or any of its affiliates immediately cease and desist from any further contact with me regarding this matter except that I demand your firm confirm with me, in writing, that your debt collection efforts in the above matter have been immediately terminated or that you or the " creditor '' are taking specific actions permitted by the FDCPA or pursuant to Texas State law. 
Please be advised that I will consider any further contact of any kind from your firm or its affiliates ( except as to the above-mentioned confirmation by your firm that the referenced matter is closed ) to be in direct violation of the FDCPA, and that any such further contact from your firm or its affiliates will also be considered a violation of the laws of the State of Texas pursuant to debt collection. As such, please be further advised that any further communication ( whether written, oral, electronic or otherwise ) by your firm or its affiliates will, in fact, be reported to the Texas State Attorney General and the Federal Trade Commission. As I am sure you are aware, violations of the FDCPA may result in, among other things, your firm being fined up to {$1000.00} per incident. 
Please be guided accordingly, Very truly yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX XXXX XXXX ( original ) and LVNV Funding , LLC ( collecting agency ) in the file showing under my Social Security number at the XXXX Credit Bureaus.. Upon ordering a copy of my credit report, I see an entry from XXXX " my account was charged off '' and entry from LVNV Funding , LLC " I owe {$590.00} ''. 
These are XXXX different entries in my credit report about the same account. 

I am unaware of " owing {$590.00} or having a charge off '' with these companies. 

I tried to contact them with no result at all. 
XXXX XXXX XXXX sent me a letter, they no longer own this account, it was transferred to LVNV Funding ( Letter is attached ). 
LVNV Funding do n't have enough information about my case. 
( Letter attached ). No one send me any validation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have disputed this item before ( CFPB Case number : XXXX ) and have still to be provided proof that I EVER received a letter with a right to dispute ( which I very well would have ). Legally, ( as they very well know ) I have a right to dispute. We have moved several times. Is this why? If so, they still by law must have provided ME with a collection letter with my right to dispute. Because of this ongoing mess and the failure to provide such a document once again, I am requesting this item be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
1.Theft of Mass Proportion of over about $ XXXX.Blatant disregard for the XXXX, Armed Services, actions without verification, Privacy, professional rules of conduct, and the rules of law.Favors and conduct unbecoming of all bank guidelines, concepts, protocol and authorization by me, the account holder. 
2.Recovery and compensation for the suffering of myself, my family and the current threats 3.Immediate follow up and investigations per request of the financial Institution Of the Pentagon Federal Credit Union Fraud Department , Lawyers and Bank managers. of many months of complaint of the main office, Virginia office, XXXX XXXX XXXX, email, and telephone calls.I gave no one permission to make changes or act on my behalf of my life/worldly possessions.

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 2016-01-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc.
State: OH

Complaint narrative:
I have a heloc mortgage serviced by Real Time Resolutions and i prefer to make my payments online.But since this loan was discharged in my bankruptcy they will not allow me to pay my payments on their website.SO each month i call them and have to pay a XXXX $ fee to use XXXX to make my payment on the phone.Recently XXXX made a settlement where they are returning these types of payment fees to their customers.My question is why is Real Time allowed to charge this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I purchased a property using a VA Loan on XX/XX/XXXX through USAA. My closing attorney paid the XX/XX/XXXX property tax ( {$1400.00} ) on XX/XX/XXXX. The Mortgage company paid the property taxes again on XX/XX/XXXX with funds from my Escrow account. The Mortgage company acknowledged verbally on the phone that they had made a mistake and that once they had received a refund from the County Tax office, they would deposit {$1400.00} back into my Escrow account and reassess my Escrow payments. On XX/XX/XXXX I spoke with a customer service manager, XXXX and he said the funds would be deposited back into my Escrow account no later than XX/XX/XXXX. I have spoken with customer service representatives multiple times in late XX/XX/XXXX and early XX/XX/XXXX asking them to provide an invoice with the transaction code, so I can confirm with my County Tax office that they received USAA 's payment on XX/XX/XXXX and are either holding the funds or have returned them to USAA. The USAA customer service group is claiming that they can not provide the invoice, because it needs to come from their Escrow/tax management group, which they can only send written requests too. They claim they have asked the Escrow/tax group provide this information, but have not received it yet. 
I suspect that USAA is intentionally holding these funds in limbo slush fund to earn money or someone at USAA is embezzling money from Escrow Accounts. 
I want the extra property tax payment of {$1400.00} made on XX/XX/XXXX refunded to my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
iam disgusted with you XXXX? you have protected wells fargo bank, because you are p rotecting your econmany? no1, XXXX, wachovia bank, well fargo bank have numerous law siuts againts them? wells fargo bank mortgages have just been convicted of fraud in in the supreme court new york guilty, {$12.00} XXXX in damadges? TRhis is how i see this act of fraud wells fargo bank mortgages deliberatly put home owners into forclosure because they have 50 % equity in the property claim of the governat FHA what have they got to l oose this is adeliberate act of fraud, we will call this preadatorry lending today wells fargo bank mortgages have been faund guilty of this offence in XXXX of fraud in the supreme court the cfpb have protected this bank to the govermants advantage i hold you fully rponsable for the acts of crime committed this bank ruind my life and my familys lifes and grand children since XXXX the start until XXXX i will take this case to the court of human rights and i will now explode how corrupt the USA is {$12.00} XXXX compensation doesnt seem enought or is this another skam i promis you that justice be done?

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 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I recently printed a credit report and as I was looking at the statement, i noticed some that were not mine. there were XXXX debts that ended up as collections that i do not remember having.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: VA

Complaint narrative:
This is from Green Tree about a double wide that was gave back to them, they sold it for just XXXX dollars and told us that we own XXXX to them. We set up a payment plan of XXXX a month and then they called back after a year and we have to started making XXXX dollars a month. Each month we have been faithful in paying what we set up with them and they have been cashing the checks every month. We received a letter from them stating that we own XXXX and they wanted it in full by the XX/XX/XXXX. I called and got XXXX and she was telling me we did not set up a payment with them. And that every 6 months we need to re-set it up. My problem is this is the first letter that we have gotten in about 4 years from them. She was telling me that we need to fill out a financial statement and mail it back to the company, she is suppose to be mailing one out. She basely threaten us that if we did not mail it back. We have to pay it in full by XX/XX/XXXX. My question is this if this was true then why have they not call us or quit cashing our checks. We have proably been paying on this debt for about 9 years and now they are threatening us. We are doing the best we can do and we are trying to pay for this double wide that they sold for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC.
State: KS

Complaint narrative:
We have been receiving threatening phone calls from the Oracle Financial Group not for a debt we owe rather for failure to pass information on concerning a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Advanced Call Center Technologies, LLC
State: NY

Complaint narrative:
WHEN INITIALLY I DISPUTED DEBT I WAS CREDITED FOR THAT AMOUNT..AND ALL PENALTIES REMOVED .SUBSEQUENTALLY I WAS RECHARGED FOR DOUBLE THAT AMOUNT ... IHAVE CONSTANTLY ASKED FOR PROOF TO NO AVAIL ... NOW I AM BEING BADGERED BY A " XXXX ... FOR THE sum of {$2400.00} ... .re. " XXXX account ... .. ( XXXX XXXX XXXX ) ... ... .dealing with there reps. is like dealing with XXXX ... ... no one seem to be able to prove my alleged debt ... I am XXXX years old ... and can afford to pay ...., but I refuse to be bullied and badgered

Company response to consumer: Closed with explanation