vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
The amount of the debt was extremely escalated. When I asked them to show me proof of the additional amount, they were not able to. I attempted to pay what my lease states that I owe and they completely ignored me. 
The debt in question is a result of normal wear and tear from living in an apartment. Also, there was prior damage when I signed my lease. 
I sent certified letters to all parties trying to resolve this issue. All parties ignored me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: VA

Complaint narrative:
Good afternoon, I do n't know if I am sending this to the right department, but I do n't know who else to turn to. I have reached the end of a long rope with a first time car loan company out of XXXX XXXX called Tidewater Motor Credit. I did a Voluntary Repossession with this company because I did not like the way they were doing their business and the way they were treating me as a client. There was a file claimed against me and now they are garnishing XXXX % of my paycheck. Now this may not seem out of the normal, except I told them to take the car, and they did take the car and sold it at auction back in 2003. So they have come back 12 years later and garnished my paycheck for {$10000.00} more than the original loan. I do n't know how this is legal but now it has put me in such a financial hardship that I have seriously considered taking my own life just because I am tired of dealing with it all. I have a severe bleeding disorder and already have to live everyday of my life in XXXX and from that I have XXXX and this just compounds all those things. The attorney for this company, named XXXX XXXX from XXXX XXXX, just acts like he has his foot in my throat and almost laughs in my face. How is all of this possible and no one seems to want to help me. I have contacted the attorney general for the state of XXXX and XXXX and everyone just passes the buck. I even contacted the XXXX Firm and still, no one wants to help me. What in the XXXX can I do? 

I hope you can help and can shine some light on this issue, because I know they are doing this to more people. My time maybe over, but maybe somebody can help somebody else from living with this agony. 

Thank you so much, XXXX XXXX, if you would like to contact me, it is best to email me at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This debt is not mine and I have no knowledge of said debt. It is reporting to credit bureaus which is negatively affecting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC.
State: WA

Complaint narrative:
Ordered VA appraisal for purchase of a home and veteran loan. Have not paid appraiser. Will not communicate with appraiser. Per VA XXXX XXXX. XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I made a payment to Fortiva services 1day too early for {$270.00} on XXXX/XXXX/16 which I was finally told was in the previous months statement cycle. If I had made the payment on XXXX/XXXX/16 all would have been fine but there was no warning message on Fortivas website where I always make the electronic payments. My issue is at the time I was not aware of the statement cycle cutoff dates but Fortiva refuses to adjust the early payment to the next day which would 've made my account current. I had to pay them an additional {$110.00} rounded out to {$110.00} as suggested by the representative to bring my account " current ". My complaint is this is a trap laid by this lender if you are not aware of the statement cycle dates. My regular payment is {$190.00} but I pay extra every month paying {$270.00} to reduce the loan term and interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Concord Resolution Inc (Closed)
State: MT

Complaint narrative:
I have received multiple phone calls from different phone numbers. Sometimes they leave a message and sometimes they do n't. When the message is left it states if I do n't contact them legal action will be taken, and I will be served at my place of employment. The last phone call I received the message said I was a person of interest. I called the number back due to wanting to find out what this was all about. The guy said he was calling from Concord Resolution and his name is XXXX. I would not verify my social security number so he asked if I lived at the address that was listed. I agreed to verify my address. He said I owed money to a pay day loan company called XXXX XXXX, XXXX. He said they attempted to collect the debt multiple times but have not been successful. I informed him they never sent me any paper work claiming I needed to pay a debt. I have never taken a pay day loan out with XXXX XXXX, XXXX. He said this is the last chance I have to pay {$520.00} and if I do n't pay it today he will have to say it was not collected and my wages will be garnished. I informed him until I receive paper stating that they are filing a lawsuit or filing a claim against me in court they can not garnish my wages. The number XXXX gave to call him back was XXXX. There have been multiple other numbers that have called also, I did not save them. He also wanted to verify any banking information, I informed him I will not say yes or no, because that is not valid. He said the loan was taken out in XXXX XXXX, 2013. I informed XXXX he needed to send me the paper work he has in front him so I can verify it was legitimate. He has still not sent me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
This is a complaint against Pentagon Federal Credit Union my member # XXXX. A check number # XXXX in the amount {$980.00} was cashed XX/XX/XXXX. On review of my bank statement for taxes recently after recovering from my ill health I do not know who wrote the check and who cashed it.The line says Usda XXXX. This is the same line that is seen when the bank charges a fee Pentagon says cjheck was transmitted to them electronically and they cashed it they do not have a copy of it. Initially Pentagon said that it is not Pentagon 's policy to verify electronic transaction unless the consumer alerts them anything that comes through they just cash it. I question that if anyone having access to my account information can write checks electronically and they get cashed. Pentagon now allege they had two years to inquire and the time has passed so they can not inquire any further from the other institution. They allege it could be department of agriculture so I write to department of agriculture and inquire from them as they are not responsible for the check that was cashed since it came electronically. I have nothing to do with department of agriculture they provide no documentation of their inquiry either There is a check number to this transaction and so they should have had a copy i did not authorize an electronic transaction. I need them to give me my money as this was not an authorized transaction or Pentagon provide proof that the check was written by me. Two weeks ago I had spoken to the following XXXX XXXX XXXX ext XXXX, I spoke on XX/XX/XXXX XXXX XXXX ext XXXX and her assistant XXXX ext XXXX as XXXX has not answered my messages. XXXX and XXXX have tried to block information and were non cooperative. XXXX was cooperative first now she has disappeared and does not return my calls XXXX XXXX XXXX XXXXXXXXXXXX

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 2016-04-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Fair collections and outsourcing is wrongfully reporting on my credit bureaus. i 've sent requests registered mail to the bureau three times to investigate and they keep concluded that the account is valid, but in over 3 months of sending letters requesting proof that the debt belongs to me and it is a debt that i signed for with this company, to date no proof has been furnished. i sent an email to the company on XXXX XXXX, 2016 demanding proof straight from the source. i stated if you can not supply me with proof of this debt please remove the debt from my credit bureaus. i received a response from XXXX XXXX stating that she would investigate and get back in touch with me. i have received absolutely nothing i even sent a follow up email and i 've received no response. this is not my debt and they have it unfairly listed as a collection on my credit and i want it removed. i need to find a new residence and this is severely hindering the process and i could soon be homeless. where are the rules and regulations that govern these lying thieving companies from imposing undue and unfair negative information on well to do consumers. where is the justice. what is FCRA if it is useless and the laws and regulation by which they govern these entities are a big joke?

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 2015-09-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The loan modification I had expired in XX/XX/XXXX so my mortgage due was XXXX what I had been paying since shortly after my husband passed away XX/XX/XXXX. I could not afford the mortgage and had been negotiating with the bank for over a year. After filing a complaint here in XX/XX/XXXX, I was a contacted by a point person who said he would fast-track a modification. Five months later, I received a 3-month trial payment offer followed by a modification contract. The contract did not include debt forgiveness and stated that if I ever could not repay the loan, I would have to use other assets. As a XXXX widow, I can not afford the house my late husband left me with. I 've received notices that I 'm in severe default, followed by trustee corporation notice of foreclosure proceedings. 
On XXXX XXXX, I came home to find letters taped to my gate that said my house would be auctioned on XXXX XXXX. I have an attorney who contacted the bank on XXXX XXXX. At that time, the person he spoke with said the bank did not have a confirmed date to auction the house, and together filed an application to delay the auction. But yesterday, XXXX XXXX, my lawyer called the bank and the person he spoke with said he had no record of the application, the bank will auction my house on XXXX XXXX, and it 's too late to do anything other than foreclosure. 
I realized I can not stay here with the mortgage - way above the {$720000.00} maximum - that my late husband left me with. I just wish to have some better closure with this without having to file XXXX of documents to prove hardship. I wish to be able to have bank agree to a short sale or deed in lieu of foreclosure and give me up to 2-months to clear out of the house I 've lived in for 28 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC.
State: OR

Complaint narrative:
This sadly is the second time I am having to file a complaint to try to get insurance settlement money that is in escrow with this New American Funding sent to me. Our house burned down XX/XX/2014 and New American Funding has been managing the insurance settlement funds as I had a loan against the house that burned down. We had problems getting them to disperse these funds before and I was given a direct contact who was supposed to assist us with all future disbursements named XXXX but when I called to speak to him he was no longer with the company and I was told anyone could help me. I asked for a final inspection and it showed the house was complete. This inspection was completed on XX/XX/XXXX. I requested the final draw amount and sent the letter via fax and mail they required, which was a document stating the repairs were complete, signed by me. I spoke with XXXX XX/XX/XXXX and she reiterated all they needed was the signed statement that the repairs were completed the completed inspection and that they would then be able to disperse the final draw. I received a letter XX/XX/XXXX stating they also needed a copy of the final bill from my builder. This was a news to me and so frustrating. Why do they keep adding requirements and not telling me in advance? The final bill from the builder had not yet been generated as we had a few outstanding change orders for some small landscaping issues. Furthermore what difference does it make if I owe more or less than whats in escrow? If its less does that make me less entitled to the funds? If I owe more does that mean I ca n't have the funds to pay the builder a partial payment? I was so frustrated with New American Funding that we decided to refinance the house with another company and I knew we were closing on that loan on XX/XX/XXXX with it scheduled to be funded XX/XX/XXXX so I opted to not send any additional documents as once the house was refinanced New American Funding no longer has any financial interest in my house or insurance money and would have to release the insurance settlement money. The loan I had at XXXX XXXX XXXX was paid off by XXXX XXXX on XX/XX/XXXX. I called XX/XX/XXXX to confirm the funds were being sent and spoke to XXXX XXXX at the call center at around XXXX. He acknowledged that the loan was paid in full but that I had to send the final bill from my builder. I asked to speak to a supervisor was told they were not available after holding for about 20 mins, that it would be 48 hours before they could call back meaning Monday. XXXX then said they never even received a request for the final draw. I asked why they sent those forms and requests and he did n't seem to have an answer. He said he could resend the request but without the bill the file is not complete and the request would be denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: NC

Complaint narrative:
Real Time solutions continues to report a balance owed to them at XXXX, and XXXX XXXX based upon a 2nd mortgage that was foreclosed on back in 2006. According the Fair Credit Reporting Act, a creditor is only allowed to report inaccurate information on one 's credit report for a period of seven years. However, Real Time Solutions has purposely changed the dates of activity on this account to continue to report it. This is a direct violation of my rights, as outlined in the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: CA

Complaint narrative:
LVNV LLC has apparently filed a lawsuit or judgement for the recovery related to an account of which i have no knowledge of. I have had other collection agency 's claim i am responsible and i have repeatedly explained that it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Utah System of Higher Education
State: NC

Complaint narrative:
The above options do not apply to my situation, so I just picked XXXX. Actually, they never call me! Which is part of the problem. In short, I try and make payments and they repeatedly send it back unpaid. I have successfully made XXXX payments since XX/XX/XXXX. They have now reported delinquent payments on my credit and are trying to force me into deferment. Making payments online does n't work and paying by phone does n't work now. I was told I need to call every month or sign up for automatic payment. I refuse to do automatic payments because I believe they are inept to handle it. I 'm never allowed to speak to a supervisor and they will not take care of the delinquency on my credit unless I agree to defer. Is there anything I can do?

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
Consumer complaint received 2017-02-27 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
THIS COMPANY LVNV FUNDING # XXXX IS TRYING TO COLLECT A DEBT FOR XXXX THEY DOUBLED THE DEBT. I HAD CREDIT CARD PROTECTION WITH XXXX. 
I ASKED THEM FOR THE PROOF I OWE THE DEBT THEY REFUSE TO PROVIDE PROOF AND STATED THE CASE WAS CLOSED. I DISPUTED WITH XXXX AND XXXX. UNFORTUNATELY XXXX WAS THE ONLY XXXX THAT DID A THOROUGH INVESTIGATION AND REMOVED LVNV FUNDING FROM MY REPORT. A FRAUDULENT SC. BUSINESS WITH MANY XXXX BARRED FROM DOING BUSINESS IN THE STATE OF MD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: TX

Complaint narrative:
I submitted a previous complaint against tidewater finance for false credit reporting they responded back stating that they are reporting accurately and that the account on my credit was not reflecting open and had been closed and charged off since XXXX/XXXX/XXXX however the current reporting on my credit shows that the account was closed XXXX/XXXX/XXXX agar my complaint that was filed in XXXX XXXX. They falsley claimed that they did a thorough investigation and are reporting correctly. I have attached a copy of the current reporting showing that the account was recently closed after I made a complaint as well as the response they wrote certifying there accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: QC HOLDINGS INC
State: CA

Complaint narrative:
California Budget Finance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX. Charged my XXXX XXXX Bank Account for {$300.00} without my consent in violation of the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 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: NJ

Complaint narrative:
LVNV, Resurgent failed to send me a dunning notice before reporting on XXXX, XXXX and XXXX.Which is a violation of the FDCPA and FCRA. Furthermore they have the wrong address and have admitted such. They filed a judgement with my county court and the notice to me was returned because they have the incorrect address. These unlawful practices of LVNV is causing a huge hardship financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I subscribe to XXXX XXXX which is a joint venture of Trans Union and XXXX. 
I am presently applying for a refinance mortgage on my primary residence with a local lender. 
The lender asked me, " what is your credit score ''? I pulled XXXX XXXX ( screen shot provided ) from my smart phone and I responded " XXXX and XXXX - Trans Union and XXXX respectively ''. 
Lender pulls my credit and the scores are XXXX Trans Union a XXXX point difference and XXXX XXXX a XXXX point difference. 
These companies are misleading consumers with incorrect credit scores which in the end impacts the pricing on my mortgage. 
By the way, both the screen shot and credit pull was done the same day - XXXX XXXX, 2015. 
Requiring accurate credit scores to be reported to the consumer without large differences should be an absolute requirement of the credit bureau repositories.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03 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: WI

Complaint narrative:
I am being sued by a debt collector ( LVNV Funding , LLC ). LVNV Funding claims to have purchased a credit card debt in my name from XXXX Bank, who is listed as the " original creditor ''. Two months after my request for discovery, I received documents with my name and address indicating that I had a XXXX Bank XXXX credit card used from XXXX to XXXX, and that I had applied for this card " on or about '' XXXX XXXX, XXXX. The problem ; I have never had a XXXX XXXX credit card, or any other XXXX credit card. I then asked the attorney for the plaintiff to provide the application. The response was that sometimes there is no application because requests are done online. I can not believe that XXXX Bank would discard the information I would have needed to provide in order to obtain credit from them, even if done online without an actual signature ( unlikely in my case ). It should be a simple matter for the plaintiff 's attorney to provide the original application. What is the CFPB stance on something like this? How can I prove the debt is not mine when the plaintiff has documents that indicate otherwise?

Company response to consumer: Closed with explanation