vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Utah System of Higher Education
State: CT

Complaint narrative:
I am a XXXX. I have been harassed for literally years by loan collectors. I have been in school, continuously, for the past several years, and I am in deferment on my student loans. I have received a threatening message, yet again, claiming my loans will go into deferment. I have filled out multiple forms with every loan provider I have ever had, with the proper documentation, showing that I am supposed to be in deferment. I have done this at least four times in the past six months with hard copy forms, and several more electronically and via email. I have paper records, and electronic records of such communications. AGAIN, I AM IN XXXX, AND HAVE BEEN CONTINUOUSLY, WITHOUT PAUSE, XXXX, FOR THE PAST SEVERAL YEARS. I AM REGISTERED FOR CLASSES XXXX. 

I 'm extremely tired of being threatened and very tired of filling out forms for deferments, only to have another threatening collection letter sent to me a month later. I am a XXXX, and after my health insurance is taken out of my paycheck, I make just under {$800.00} every two weeks, ten months a year. I XXXX each semester, and take classes as a student myself. I 'd really like to not do this for the entire time I 'm working XXXX. I also can barely afford to live as is, please stop threatening to garnish my wages and seize money from me, etc.

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 2015-03-20 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
The " verification '' they sent me does n't list my name anywhere. It only lists " XXXX XXXX '' on the bill, which is not my name and never has been.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc.
State: WA

Complaint narrative:
Real Time Resolutions is showing a debt on my credit report for a property that was foreclosed on in 2010. I spoke with a lawyer yesterday and they said that the statute of limitations in the state of South Carolina is three years and this debt collector no longer should be affecting my credit score. They should also not be seeking payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a notification on XXXX by a letter dated XXXX to appear in the Magistrate Court of XXXX County for Civil Action Number : XXXX. - LVNV Funding vs. ******* ( Last Name is misspelled on action ) The letter states that I need to appear in court on XXXX. I do not owe LVNV Funding and do n't know what the debt is. Many years ago I closed several credit cards and in XXXX went through a personal bankruptcy where all debtors were paid in full from the proceeds of a major personal injury lawsuit recovery in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
My XXXX XXXX Credit Card Account was charged off and sent to collection with prior notification. I was not contacted at my current address and FDCPA ( codified as 15 U.S.C. 1692 -1692p ), FCBA guidelines for Debt Collection were not followed by Resurgent Capital before reporting to XXXX , XXXX and XXXX . I was shocked to see the collection account on my credit bureau reports, reporting as LVNV Funding which is associated with Resurgent Capital, and immeditaley contacted them and paid the settlement in full on XXXX/XXXX/2015 to XXXX XXXX and XXXX which collects debts for Resurgent Capital/ LVNV Funding LLC ( Payment Confirmation XXXX with XXXX XXXX and XXXX on behalf of Resurgent/LVNV, file number XXXX ). This should not have happened had I been contacted or made aware of the upcoming collection debt. Also, I have been trying to contact XXXX XXXX Bank prior to seeing the collection account on my credit bureau reports but it was extremely difficult to get proper information about my account, and how to take care of the account and bring to current. They had charged the account off and sold it to collection without any proper notification and contact. I am well aware of my rights to receiving fair and timely information regarding my financial obligations and I should have been notified about any account going to collection. 
I am requesting Resurgent Capital, LVNV Funding XXXX XXXX XXXX to immediately remove the Collection account for XXXX XXXX Bank from all three of my credit bureau reports. It is adversely affecting my credit standing and hurting me, my family and my family 's financial health and well being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I have not been a member of XXXX since XX/XX/2008. This company continues to try and collect on this debt at this time EVERY year. They threaten to ruin my credit report if I do n't pay. This is the literally the XXXX time I have received a letter demanding payment. I have contacted XXXX and they have confirmed that I DO NOT owe them any money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
i was a XXXX Customer. XXXX was recently acquired by First National Bank ( PA ). I was just informed by FNB that I will not be able to access any of my prior banking records online from XXXX. I never received notice that this is the case and find it hard to believe that FNB can aquire a bank and then purge all of the customers past history under the old bank.

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 2017-02-08 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: FL

Complaint narrative:
They refuse to reply to all my disputed letters I sent to them, and refuse to fully remove the collection off my credit report. XXXX and XXXX has already gotten notification of removal but they have not removed it off my XXXX report and it is impacting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC
State: CO

Complaint narrative:
MRS BPO , L.L.C . contacted me by mail, on XXXX XXXX, 2016, and identified the debt as {$1800.00} owed to XXXX, MRS ACCT # : XXXX ; Current Creditor Account # : XXXX ; Charge off Date : XXXX/XXXX/2016. 
I do not have any responsibility for the debt, have never owed XXXX any money, and confirmed this with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Debt Collection AgencyReal Time XXXX has constantly harassed for debt that is not mine. My ex-husband has full access to my social security number, driver 's license, bank accounts, and other financial data. I did NOT authorize this debt. Please provided hard copies of documentation from loan initiation including my physical hand signature and date. I would like this debt removed from my file because I did not authorize these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC
State: GA

Complaint narrative:
My sister in law used my husband as a " reference '' on a loan. Most likely XXXX. The collection agency had calld us threatening to sue and uses aggressive language if we do n't get her to pay this loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Creekside Recovery And Capital Management
State: AZ

Complaint narrative:
Received a voice message from a man named " XXXX '' on my personal cell phone, referencing a case # and a phone # to call back for any questions or to make a payment. Also stating he was on his way to my residence as well as my place of employment to serve me some important legal papers. I called back the # that was left and got a recording stating it was Creekside recovery and capital management, I gave my case # and informed the gentleman I had filed for bankruptcy in XXXX of 2014 and asked why I was being called and was promptly hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
A client of mine had his company bank account compromised. As a result, one of the checks written on the account was my monthly check in the amount of {$3000.00}. Once he found out his banking account had been compromised, he immediately contact me and I immediately contacted PenFed. I told PenFed what had happened and immediately wired {$3000.00} from another account to cover any and all transactions. My account was never, ever overdrawn and I was told by PenFed that the original check for {$3000.00} was NOT going to be re-deposited because, according the PenFed representative, " our system is incredible sensitive and the check will be returned. " That ended up not being the case, the check was redeposited and of course, declined from my clients financial institution. Again, my account was never overdrawn. 

As a result of this, and of no error whatsoever on my part, PenFed, irresponsibility has blocked my access to all my accounts. 

Despite five separate attempts to have this irresponsible block removed, it remains. That is, because of something that was completely the fault of another party, and had literally nothing to do with me, I do not have access to my money. I have never overdrawn an account and I consider myself a financially conscious individual. 

How is it possible for an institution to completely block a responsible customer from their banking accounts? 

Unfortunately, PenFed only can say that 'my case ' is on a supervisors desk for review. 

Any assistance you can provide would be most helpful. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-01 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: MO

Complaint narrative:
This company has violated state laws and disregarded my rights I 've tried to resolve this issue. With this company i get cursed out hang up on multiple times for what reason i do n't know creditors has sold this debt over an over again iam tired of seeing my credit score drop up and down because of this bogus company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
RE : Complaint # XXXX. - XXXX XXXX XXXX XXXX XXXX XXXX. 
NOTE : Also was " threatened '' by a " XXXX '' with XXXX in XXXX regarding this debt, threat to sue me, and nasty cursing over telephone to me, about XXXX XXXX. 

Now, I called XXXX to get info on debt. I was transferred to " XXXX XXXX '' who stated that my Debt was " sold or transferred as of Friday, XXXX XXXX, XXXX. '' I did not receive notification, also when I contacted XXXX in XXXX XXXX, XXXX XXXX " agreed with me over phone '' that I requested by letter a verification of my debt and that XXXX deliberately provided " no response '' to me. 

I was given only a phone number to contact regarding my account. After calling, I discovered the " account '' is now with " Resurgent Capital Services LP '' of XXXX, SC. 
the original debt was with XXXX XXXX XXXX ( actually it was XXXX XXXX ) on XXXX XXXX, XXXX. 
I was not given proof of the debt, by XXXX, and was not prior notified that the debt was moved again! 
Also " new debt collector '' ( spoke to XXXX XXXX with Resurgent at XXXX on XXXX XXXX, XXXX. Phone number XXXX called to reach Resurgent : ( XXXX ) I also have not received notice of right to dispute ; and requested verification of debt from XXXX XXXX XXXX, which was ignored and denied. 

XXXX 's get these companies to properly comply with FDCA and keep customers aware and in communication of anything debt related. I am Disappointed, Frustrated, and Disgusted! 

I only want to clear my credit, and stop dealing with these nasty people. By the way, XXXX XXXX stated that I " would not receive a regular written letter statement of balance '' and that I had to " call in to us periodically to get your current balance owed. " Please assist me to stop the harassment, threats, and lies/deceit from these companies and allow me to clear my credit history. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I contacted LVNV about an old debt that I was tricked into paying after statute which is being paid as agreed. While I was talking to her, she found another old credit card debt from 20 years ago which was paid to a different creditor, but is back on their books with outrageous interest. The statute of limitations is 6 years in our state. They sent me a letter demanding a response within 30 days or they will take legal action against me for a 20 year old debt that was already paid to a different creditor. They are basically bullies taking people 's lunch money. I do not know whether to reply or not. The last time I replied to LVNV about a 15 year old debt out of statute, they sued me and I am still paying it. The amount is easily XXXX the original amount owed to the credit card. Our local judge just pushed these through and takes the money for the local court. Please help us. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Utah System of Higher Education
State: DC

Complaint narrative:
My loan was purchased from XXXX by UHEAA, and it has been nothing short of a disaster. A number of customer service problems and servicing issues. However, the one that needs to be fixed is that my paid-up status ( approximately 1.5 yrs ) was not transferred, making it difficult for me to take advantage of employer based payments on my loans ( would fall short of the minimums ) without having to pay out of pocket. It 's now been 6 months since the purchase of my loan and they are still 'working on ' a solution that should be fairly straightforward. I did not choose to go to UHEAA, I was moved there because they purchased my loan but they are not keeping to the parameters outline when I originally agreed. They have had to put my loan in forebearance, which means I can not access the employer program ( loan must be in good standing ). I have called approx. 10 times over the 6 months to get this corrected, and still no luck. Even worse is that it is approximately 1 hr wait time for each 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 2015-08-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI

Complaint narrative:
I obtained financing from Tidewater Financial thru XXXX XXXX car dealer while in the process of filing for bankruptcy. When I obtained the financing I was told that I could refinance the loan in a year. I paid the monthly payments on time only to find out after a year that Tidewater would not refinance this loan and neither would any other lender due to owing more on the car than what it was worth. Had I known that this was going to be the case I would have never signed the loan documents as {$430.00} a month was more than I could afford on a long term basis. When I contacted Tidewater to see if they would modify the note to an affordable payment I was told no and when I asked if they would accept a short payoff they said no, well they said they would accept a short payoff but not release the lien until the entire balance was paid in full which is the same as saying no. I have no problem paying for this vehicle but can not pay {$430.00} a month and feel that I was mislead by being told that I could refinance the vehicle when they knew that they were lending more than what the vehicle was worth at the onset of the loan. I have paid around {$10000.00} on a vehicle that I can only get {$2500.00} for now ( XXXX years later ). XXXX years ago they provided a loan for {$16000.00} at a 25 % interest rate. How can you provide {$16000.00} on a vehicle that is not worth that amount with an interest rate of 25 % knowing that it will be a struggle for the person paying the loan. Predatory lending at its finest. I feel that I have paid them more than what the vehicle is worth and that this loan should be paid in full since I have paid them {$10000.00} and they are stating that I still owe {$14000.00}. There has to be some sort of resolve to this. I had a dealer that was willing to pay me {$5500.00} for the vehicle but because they would not accept the short payoff I had to pass on that offer. Now I am still stuck with a vehicle that is only worth {$2500.00} and they want me to pay {$14000.00} for it. I need help as to what my options are at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
my daughter was ill 120 days behind on my payments - had the full amount to pay on the card for XXXX XXXX 2016 went to pay the full bill was put on hold. rep came back and said if i did not pay XXXX more that i would just incur fees after the payment was made. stated that was all i had - gave her my credit card numbers to pay the bill was put on hold again - she stated that she was trying to help me and she would be right back. came back and said that she wishes to charge my account off - i said no and further explained that i thought i had protection on the card the bill is due for XX/XX/XXXX and im paying it on XX/XX/XXXX so if your stating its an extra XXXX im paying until XX/XX/XXXX and then resuming my payments as my balance will be around XXXX remaining on hold again -she stated that its to late i charged off now. and that i need to pay XXXX dollars for the next XXXX months - i asked why and was told that that is my payoff - i said what did i spend on the card she said XXXX dollars which is impossible when i recieved the card it had a balance i had to pay - i had almost a XXXX XXXX dollar chargefrom the company. she said i was responsible for XXXX percent of the full bill. i never even recived a statement from this company - i said if your charging me off put it in writing i was told no and that this was a one time deal and if i did not do it now that it would not stand. i disconnected the call what company refuses to take your payments after agreeing to tells you whats in your best interests and then bullies you into an agreement to ruin your credit on purpose - i was paying and was allowed and then straight out told you are forced to charge off

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 2015-03-30 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: NY

Complaint narrative:
The attached complaint sets forth all of the claims involving the deceptive nature in which LVNV Funding , LLC brought its case under index # XXXX. Naming a plaintiff as " LVNV Funding , LLC XXXX XXXX XXXX '' is a deceptive practice because that entity misidentifies the creditor, is not licensed, lacks authority, and implies more of a direct relationship than exists between LVNV and XXXX XXXX. A federal case annexed to the attached complaint clearly states a cause of action for that tactic under the Fair Debt Collection Practices Act. XXXX XXXX challenges LVNV 's legal right to sue her in the first place. Upon information and belief, LVNV failed to secure a valid chain of assignments before it sued XXXX XXXX. New York courts are very concerned about debt buyers who do not and/or can not produce a valid chain of custody. 

XXXX XXXX also contends that LVNV added pre-judgment interest to her debt but it lacked contractual or statutory authority to do so. 

XXXX XXXX was not given valid notice of any assignment and any meaningful right to demand validation.

Company response to consumer: Closed with explanation