vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-23 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
We terminated our Rental agreement with XXXX since the Apartment complex did not providet us with safety and security. We have complained several times that the Gates could entered by any car even without barcode sticker, only by folowing the front car, since it took a long time to close after a automobile entered, some times the gate was defect and did not closed at all. After we were robbed our Sportbikes, chained on iron bars inside the hallway and strange people they did not live in the apartments, we took action and cancelled our Rental contract. The charged us with a penalty of two month Rent for early termination. 
Our complaint and witness from a Police Report XXXX, was totaly ignored by the Management from XXXX. 
A involvement from our Lawyer was never answered. 
To have our peace we paid one month aditional rent and afterwards received notice from a collection company to pay {$1900.00}. 
After we moved out in XX/XX/2013 I hat to pick up some stuff left on the patio we noticed that the Apartment was already rented to an client. Also we found out that the gate system was not changed and many car drove to the gate without barcode sticker. 
From other government offices we were informed that it was correct to terminate the Rental agreement. 
The Police Report is still available.

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 2016-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV FUNDING EMPLOYEE XXXX XXXX HAS STATED TO ME THAT BY LAW LVNV DOES NOT HAVE TO SUPPLY A STATEMENT ON A DEBT I'AM SUPPOSE TO OWN, NOR DO THEY HAVE TO KEEP IN HOUSE RECORDS. I 'VE ALSO BEEN INFORMED BY LVNV THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE WAS CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20 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: MRS BPO, LLC
State: SC

Complaint narrative:
I never received a notice of right to dispute in the mail is my first complaint. This is a violation of the FDCPA of course. 

I requested validation as well and they still never validated with me via mail. Instead they reported the debt to another credit bureau, XXXX, which they never reported to before. This is also a violation of the FDCPA. 

On top of that this is a fraudulent account. It did not initiate at my address at all. I am not even aware of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
My loan has been taken away but the company still keeps their account open in my credit information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
Homestar drop the ball on my loan from day1. Lack of communication. I was pre approved for {$120000.00}. I made an offer to a HUD {$100.00} down house. Hud accepted my offer of {$92000.00}. I supplied ALL documents to my loan officer via email and fax in less than a week. 
After a month of waiting, they finally ordered appraisal. What originally cost {$450.00}, but they charged me {$550.00}. Because they had to put a rush on it. The property management made me turn on all the utilities on in 2 days!! I got total of XXXX disclosures, all because they had mistakes with the loan amount and down payment. I called my loan officer multiple of times, no answer. In one occasion, he text me back at XXXX, stating that he will call me back during business hours. But turn around and respond to my email at XXXX!! After 6 weeks of waiting, he emailed me stating the underwriter approved my loan! A week later, I got email from the loan processor for additional documents. I sent all requested documents the same day. Then they started to ask for same documents over and over again. I emailed and faxed the documents. I was so tired of them not receiving my documents. I got off from work early, and hand deliveried all the documents to the branch office. My realtor had to get 15 day extension on the contract, because the underwiter still working on my loan. After a week later, they finally sent me the closing disclosure with the closing date of XXXX/XXXX/16. I signed it and emailed my loan officer asking them what time is closing that same day. No response. When the closing day came, I still took the day off from work. Praying someone will call me. No phone call. The next day, my realtor called me and told me the underwriter wo n't close on my loan, because the appraisal report has pictures of missing outlets. So they want hud to fix it, but Hud is refusing to make the repairs. I was so upset. She then said to get a invoice from a repairman for the cost to fix it, then we can close the next day. I called my friend whom does home repairs, showed him the appraisal report ( which by the way, I finally got from the loan processor that day via email ) all this time I never got the appraisal report that I paid for a month ago. I emailed the underwriter the repair invoice, agreeing to make the repairs once we close. No response. Now my extension on the contract expiring in 4days! XXXX/XXXX/16. No calls. No emails. Nothing from homestar. How can homestar send me the closing discloser with closing date, but now have a problem with outlets in the house???? They made what suppose to be one of the greatest moment of my life, XXXX. I 'm about to lose my dream home, because I choose to apply with homestar.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Servis One, Inc., Titusville, PA Branch
State: FL

Complaint narrative:
I have called BSI to try to get this handled and they would n't report it to credit beau they said it would take them 30-60 days for them to report it. It has already been over 30 days I 've sold my house and they still have n't reported it. They treated me like a 5 year old child and that I have no rights as a consumer. I tell them about the civil liability for willful noncompliance and they laugh at me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
In XXXX of 2016 I Filed a complaint with ChexSystems about a report the said I owed with a bank. I got a letter about verifying my identity asking for a letter from social security administration. They do n't send letters so I called them in XXXX to tell them I also sent a copy of my social security card and I 'd. I did n't hear from them until XXXX which was a another report. They have yet to respond to my dispute that they have my social security number wrong on my report. My number is XXXX they continue to show my number as something ending in XXXX. I tried to call and all I get is being bounced around by a answer machine. I would like for them to take all the accounts on XXXX off my chexsystems report.

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 2017-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
Have made mortgage payments on time for years, never late on any payments, and today my mortgage officer at the bank was very unprofessional and insulting and said my credit reports are terrible and I owe {$60000.00} in debt and have XXXX credit cards! We do n't have anywhere near that! I told him we are quitting his bank. Very rude. This is the second time I have had a bad experience with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: A.R.M. Solutions, Inc.
State: PA

Complaint narrative:
I prepaid for a newspaper subscription limited to 28 weeks. At end of 28 weeks I did NOT renew the subscription, but the company continued to deliver newpapers and is now trying to collect a bill for the unordered papers. I have contacted them twice to try to resolve this, but they refuse to remove the bill and have now submitted the bill to a collection agency.

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 2015-04-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: FL

Complaint narrative:
I attempted to negotiate a reduced amount for a full and final settlement of my debt. The collection company, Frost-Arnett Company, told me that I had to front the money that I was offering and they would take that amount to the creditor and see if they would accept it for settlement. I provided my account information and the funds were withdrawn. I was contacted three weeks later and told that the creditor had refused to accept my offer of settlement. I was also told that the money I had offered for settlement would not be returned to me and that I was still responsible to pay the remaining balance. This was not my offer. I wanted to settle for an amount, full and final or I would be willing to make payment arrangements for the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Management Solutions, LLC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from FMS XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against FMS XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CDI Affiliated Services, Inc.
State: ID

Complaint narrative:
Items noted in collections with CBP Affiliated services were never corresponded to myself prior to collections. No contract was made with said company, no billing statements or notices were ever received by reported creditor. No balance or amount owed was ever provided by the creditor. No communication attempts were made by the creditor. I can not acknowledge or verify the validity of any portion of any collection attempting to be obtained by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I submitted disputes with XXXX - They did not investigate my actually dispute or even respond to the items in question. They just recent my whole report with a random item deleted that was n't even on my report.

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 2017-03-24 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I received a letter from XXXX. stating that I owe {$2800.00} for a creditor ( company name XXXX ) on behalf of XXXX. I am up to date on my mortgage payments to XXXX, so therefore do not owe this money.

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 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
The issue is the continuing of reported information that has been previously disputed. I have requested that Chex-Systems removes these following items from my consumer report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also I have requested that the inquiries from these credit unions to be removed as well. Also the inquiries from XXXX XXXX XXXX XXXX, 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 2015-06-24 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ASTORIA BANK
State: NY

Complaint narrative:
We opened a Savings Account at Astoria Bank, XXXX NY on XXXX XXXX, to the amount of {$250.00} on my husband 's account and my account we were informed that if we would add an additional {$2500.00} for 90 days we would be eligible for a bonus of {$250.00}. After the 90 days we did not receive the promised bonus, we went down to the bank and they promised that within a week we should receive our bonus, since then they have been giving us the run-around, and we have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
Early this morning I was contacted by an agent, who did not identify herself as a collector. I figured it out during the conversation. She was trying to collect a debt that I believe I have already paid. I am In the process of getting my reciepts in order. How ever I have had no payment agreement with this company even though the send me letters stating this. I have paid their clients directly. Many of there letters list the original creditor as Various Accounts. I know this is in violation of the FDCPA. This agent refused to let me talk and continued to talk over me. I believe her intent was to escalate the call. I found the call very disrespectful and degrading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Skopos Financial, LLC
State: GA

Complaint narrative:
I WAS THE VICTIM OF IDENTITY THEFT FRAUD AND I HAVE DISPUTED THIS DEBT TO THE CREDIT BUREAUS AND THE COLLECTION AGENCY TO NO AVAIL ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
1. In XXXX XXXX, we applied for a home loan modification due to financial hardship caused by family medical issues. In or around XX/XX/XXXX, we were denied home modification and was informed during the last week in XXXX by Supervisor XXXX XXXX in order to maintain our home from default proceedings, we would have to make an XX/XX/XXXX payment of {$1600.00}. In XX/XX/XXXX through XXXX XXXX, monthly payments of {$1700.00}. In XXXX XXXX, our monthly payments would return back to {$1300.00}. ShellPoint did acknowledge our medical hardship, However, our assigned Shellpoint representative XXXX XXXX did not informed us that Shellpoint was not a participant in President Obama 's HAMP program. In XXXX XXXX we were under the impression that we were applying for a HAMP Home Modification. We were not notified that we had the option of appealing the initial offer. The assigned single point of entry assigned to was never available to speak to us or answer any of our questions. He did not return calls at all, as per his company policy that calls should be return with in 48 hours. His coworkers always handled his calls and decision were made from third handed information in that we were not consulted for clearance by him. Options such as refinancing, home equity loans or options were not discussed or presented to us. Only options were the Company modification Program, Short Sale, or turn over the deed. The Company 's modification offer increased our monthly mortgage payments by approximately $ 300 monthly. We were denied having access to our mortgage holder. We were given a different company every time we asked and was advised not to call because they were hired to handle this. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JH Portfolio Debt Equities, LLC
State: NY

Complaint narrative:
I have filed several complaints and am getting nowhere. I am attaching JH Portfolios response to a prior complaint where they promise to send me : 1. A copy of the application 2. Statements showing how the dollar amount is arrived at, including fee 's, etc. 
They claimed to have attached this to complaint # XXXX. They did not. I will attach exactly what they attached. 
This alleged debt did indeed come from XXXX. I spoke to XXXX, and in fact in their response to this same complaint they admitted " they no longer have any of this documentation as it is too old '' THIS DEBT IS THEREFORE NOT VALIDATED AS PER FEDERAL LAW. THIS IS NOT A DUPLICATE COMPLAINT!!! IT IS ILLEGAL IN BEING REPORTED AND MUST BE REMOVED FROM ALL CREDIT REPORTING AGENCIES DATABASES BY THE FURNISHER OF THIS FRAUDULENT INFORMATION IMMEDIATELY.

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 2016-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: CT

Complaint narrative:
I was contacted by Linebarger Goggan Blair & Sampson , LLP numerous times to collect debt for an XXXX violation. This violation was paid on XXXX XXXX, 2016 through the NY XXXX website. The last notice to collect this debt was sent to me on XXXX XXXX, 2016. I tried to contact them by e-mail and phone to resolve this issue and got no response. 

I would appreciate if you could please investigate this further. 

Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
While checking my USAA Federal Savings Bank checking account it was noticed that a person I was married to approximately thirty years ago was designated as an authorized signature on my account. This was done by USAA Federal Savings Bank without my consent and I was not notified by the bank. 
I called USAA Federal Savings bank and asked about this problem. I was told the Bank had a computer glitch and they had taken care of it, BUT some accounts had fallen through the cracks and I was XXXX of them. 
No apology, no compensation for violating the trust I had placed in that institution. 

I am not certain if I filed this complaint at an earlier date, but I have no record of a response from the Consumer Finance Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid my monthly payment to the credit card company on XXXX/XXXX/2016 through my bank checking! The next month they charged me {$25.00} for not paying my payment! I sent them the statement from my bank showing it went out to them! they credited my account and the next month they charged me again saying they never received my fax showing the proof! I even sent them the proof from my bank showing everything they asked for, they gradated my account again only to add it back in the next month saying they never received the information even though it was sent on there secure server! I just looked at my XXXX statement and low and behold its back on my statement again showing me they have done it again! They sent me an email again with a link to their private server and I have just finished send them the documents again! I thought you might want to look into your records to see if their doing this to other customers as well! In a related matter they ca n't seem to keep my address records straight, we was never receiving our bill in the mail and the always give a different excuse or another

Company response to consumer: Closed with explanation