vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I moved from XXXX Mi to XXXX Mi XXXX XXXX 2015, never miss a months credit card payment ... late a time or to. On XXXX/XXXX/15 I open a saving and checking account aat XXXX XXXX XXXX. On that same day, went straight to XXXX county Veteran Affairs office. to ask if I could Please have my routing number and account number fax to the XXXX V.A. office in XXXX Mi. XXXX XXXX told me they operate on tax dollars and they could not do to much. I ask XXXX if he could just fax the info he turn and walked in to his office so i ask him to do his job. I went across the hall to the XXXX XXXX leage power of attoney XXXX XXXX. Said he really did n't quite know how do he got on the phone made a call .ask if the info was right and he would I explained I was great full cause it had to be in before XX/XX/XXXX. the secretary, XXXX and XXXX did n't fax it until the XX/XX/XXXX. So I had to miss a months credit card payment. Now it have collection angency calling late fees pilling up. what should I do it 's really not my err. they just did n't do there job.

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 explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
A credit card I had went to collections and I paid the credit card directly to the credit card company. This happened several years ago. A year ago I received a notice from Gurstel Chargo that I was going to be sued over the debt in XXXX County and they sent me some questions in a legal document. I responded, explaining I had paid the debt and asked them for proof of the debt, as I believed I had completely paid off the debt. I hand delivered the response, so I know they received it. I heard nothing for eleven months. Then I get a letter saying they were asking for summary judgment, since I did n't respond to their request for " interrogatories '', which I had never received. Their interrogatories were to have been answered within 30 days, and if I did n't, the debt was admitted to. They made no attempt to actually show that I owed to the debt. I believe they never even mailed me the interrogatories. This was just a way to avoid to have to prove the debt, a way to avoid the burden of proof of the debt. I answered their letter, explaining just this, saying I thought this was misconduct on part of Gurstel Chargo and requesting summary judgment because of attorney misconduct. I tried to hand deliver this to them, they did n't want to accept this letter, but eventually did. In response, they sent me a letter asking me to send them the settlement papers showing the settlement terms and payment proof when I paid the debt. I once again, sent them a registered letter explaining I had paid the debt directly to the credit card company. Gurstel Chargo has made XXXX attempts to switch the burden of proof of debt to me rather than actually prove the debt. They have had my request to prove the debt for over a year and I have received nothing from them. I believe they never mailed the interrogatories to me in attempt to get an " admission '' without having to prove anything. I think this is probably not the first time they have attempted this. When the paralegal was reading my letter accusing them of such, she did not want to accept the letter and was very upset with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I opened a credit Card account with Continental finance a few months back to try and restore my credit rating. Since then they have been charging me {$4.00} for Credit Protection that I didnt want and clearly checked that box during the application process, made calls to remove and they still will not. This last Month I got a phone call from them wondering where my payment was. They asked me if I mailed it to there new address or old address. I told them i mailed it to the address that was on the payment stub ( i have no idea where this is ). She said it was okay but they went ahead and charged me a {$25.00} late fee. Why they would do this to there customers ( in researching this I am not the only on they have done this to ). They have so far refused to take this off my balance even though they sent out there payment invoices with there old address on the stubs. I just felt like you should know they are ripping off customers and do not help you when you call them. I just want to pay this debt off and close this account but they are making it impossible by tacking on late fees and credit protection charges againt there customers who are tring very hard to pay the debt on time and do the right thing. This should and must be Illegal. 
Thank you for your time and consideration. 
XXXX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good Evening- in XXXX I received an approved loan mod with my first lien holder and then in XXXX I reached out to my 2nd lien for a modification ( HELOC ). I called 2nd lien and was advised to send in a written request and a copy of the 1st lien approval. I was never acknowledged after several phone attempts. Last month I reached out to the 2nd lien again proposing a settlement offer. I was informed for the first time that my loan had placed with a collection company. When I contacted them andprovided the requested documentation I was declined the settlement offer. When I asked about the other options I was again told for the first time that the loan was charged off. They did tell me that I could either pay the loan off in full ( balance is $ XXXX ) or I could pay an initial amount of {$14000.00} and then make monthly payments of {$400.00} for 6 months and then status of loan would be reviewed again for a settlement payoff or the continuation of the {$400.00}. If they would have acknowledged my initial request for a loan mod review I would not be in the position, not to mention the status of this loan is destroying my credit. I am in a charge off status but I continue to get regular mortgage statements. For this reason I am requesting your help thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I at times been a XXXX. 
During XXXX I was an XXXX and my first pay check from them I called XXXX to pay off my credit card. They referred me to LLV Funding ( I do not know the exact spelling ) and was giving an amount and I gave them my card number. I asked twice if this was paid off and I was told this was a settlement. At that time I did not know what a settlement was and now I know. Since I was on a XXXX I asked for a letter of todays conversation and was told that until the payment clears I can not have one. Well when I get back to Texas after the XXXX I did not find a letter to that effect and the next time I was told I only made a payment. 
Since then that company has sent me letters saying I still owe and I only made a payment. Now a new company is sending me letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is a Reverse Mortgage situation. My mother passed away on XXXX XXXX, 2014 and named me Executor. We notified Financial Freedom that our intent was to clear the home of personal property, to make repairs/renovations, and to market the property for sale by XX/XX/2015. We were granted a 90 day extension on XXXX XXXX. Due to miscommunication between Realtor and Trustee, the request for extension with Financial Freedom was sent on XXXX XXXX, 2015 ( due at Financial Freedom by XXXX XXXX, 2015 ) but the request was directed to OneWest Bank, parent company of Financial Freedom. Both OneWest Bank and Financial Freedom deny receiving request for extension and instituted Foreclosure Proceedings on the Estate property. We have provided all documents requested but Financial Freedom simply states they are strictly adhering to the HUD guidelines and will not deviate. Because of this we were forced to list the property without being able to make appropriate restorative action and to accept a below-market price. We now have a contract which shall close on XXXX XXXX, 2015, however Financial Freedom refuses to delay, defer, or stop foreclosure proceedings, with auction date set for XXXX XXXX, 2015. We feel that Financial Freedom has been unwilling to work with us ; we simply requested legal extensions in order to market the property at a fair price in line with local comps.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Collection agency sent a payment offer. Debt was two times paid via restrictively endorsed letter. Collection company has many other companies and re-lists debt via a subsidiary company. 
I have tirelessly requested validation of debt with collection agency and disputed this item XXXX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Fortiva is the servicing company who handles my XXXX card. I 've had other issues with this care, one that I had to report previously to your agency. I am back to file a complaint against them for how the handle the payments that are made toward the balance. I made the minimum payment due on XXXX XXXX, XXXX and the funds were removed by XXXX on XXXX XXXX, XXXX. I reviewed the account online and it says I have {$84.00} available to use. I went to a XXXX store close to my residence today and tried to purchased {$81.00} worth on cleaning products for my home. The cashier was great and tried it twice. After that, I pulled my phone out to confirm the available credit. During this time, their front end is getting busy. Here I am standing in line with my XXXX XXXX XXXX son wondering why my purchase keeps being decline. The cashier called them for me and when the representative came on, he proceeded to tell me that even though the payment was made, the funds would not be available to me until XXXX XXXX, XXXX. I was livid and most importantly, embarrassed. He proceeded to tell me that he knew how I felt and I was like no he did n't. I told him how embarrassed I was and that they 've had my money since XXXX XXXX. They are illegally holding my money. I am including the screenshots of their website, my bank account and their card agreement posted on their website. I need this policy reviewed. I want an apology for the embarrassment I went through.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2016-06-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: WA

Complaint narrative:
My loans were recently transferred from XXXX to UHEAA. Since being transferred, I have had double payments withdrawn from my checking account. I was also sent a letter dated a month after they claim my IBR application was due. They told me repeatedly they would fix double payment and over payment issues, but never did. They told me they would put a hold on my direct payment, while issues were being resolved. They did not do this and continued to pull XXXX times my IBR amount out of my checking account causing a severe hardship for my family. We work hard to have good credit. Contact links on their website are frequently broken. They take weeks to reply to emails. If you read the reviews on their facebook page you will see XXXX people with similar complaints. They straight up lie to people. They take 60+ days to process IBR applications. We never had any issues with XXXX and have had nothin but problems with UHEAA. They need to be seriously looked at for bad or illegal business practices. They are ruining peoples ' credit and their lives. Please help all of us find resolve.

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 2016-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Realtime Resolutions is reporting a loan that charged off back in XX/XX/XXXX as 120 days late as of XX/XX/XXXX. That is wrong. If it charged off in XX/XX/XXXX how can they continue to report me and my wife late in XX/XX/XXXX? XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold Realtime accountable to the FCRA and make them remove the lates after the account charged off XX/XX/XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
While reviewing my XXXX credit report, I noticed that a fraudulent collection was posted on my report by XXXX XXXX XXXX. Thereafter, I personally contacted XXXX XXXX XXXX and disputed the validity of this debt in its entirety based upon ID THEFT. During my contact with XXXX XXXX XXXX. I requested that all collection on this account to cease and to delete this adverse information from my credit report until a complete and full investigation is conducted determining the validity of the DEBT as required under Fair Debt Collection Act. 
To this extent, XXXX XXXX XXXX recklessly disregarded my request and continued unlawful collection attempt in clear violation of the law ( FCRA ; FDCA & PRIVACY RIGHTS ), without just cause or any legitimate reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: AFNI INC.
State: GA

Complaint narrative:
XXXX is charging me for monies that I have paid to collection agencies. In addition, I was advised by XXXX to keep internet equipment and suspend accounts until I restore services in my new state that I moved to. Unfortunately, I decided to turn in the equipment ( see attachment ) and is currently being charged. XXXX is stating that they did not receive the equipment, but attached records shows that a XXXX employee signed for the equipment. Also, they have XXXX different collection agency contact me regarding the same account. I paid one {$170.00} and the other is demanding payment. Both are unethically on my credit report and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: EOS Holdings, Inc.
State: CT

Complaint narrative:
EOS CCA IS STILL MAKING phonecalls to my place of work after I told them not too - AGAIN and REPEATEDLY violating the FDCPA, you have done nothing and they STILL CONTINUE to BREAK THE LAW!!! STOP THEM FROM BREAKING THE LAW ANY MORE AND FINE THEM ACCORDING to the FDCPA. What good is this law if they dont follow it and you dont enforce it? Justice needs to be done. This is my third demand from you. I will always keep looking out for my rights - I highly suggest you do your jobs this time. EOS CCA NEEDS TO BE PUNISHED ACCORDING TO THE LAW. STOP CALLING MY PLACES OF EMPLOYMENT. I have documented proof they broke the law on XXXX occasions even with their incomplete records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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: The Stark Collection Agency, Inc.
State: FL

Complaint narrative:
This debt is in a debt mgmt repayment program and the collection agency has accepted and cashed payments for this debt. Acceptance of the payment was acceptance of the payment plan which they were sent by XXXX. I was not given an opportunity to dispute the debt before they placed it on my credit report as a collection. They have been accepting payments since XX/XX/2017

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I received a collection letter from Resurgent Capital Services attempting to collect a debt. Upon review of my records, I could not find evidence of that debt. I wrote to them requesting the verification of that debt. I received a reply today but the debt and creditor were unfamiliar to me. The alleged debt was originated in XX/XX/XXXX. I have never had a credit account with the original creditor reported. The debt was charged off in XX/XX/XXXX. The debt is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc.
State: NC

Complaint narrative:
I have written to Mid-Atlantic Finance Company about providing me with a copy of any viable evidence bearing my signature showing the account is being reported accurately to the credit reporting agencies. On XX/XX/2016, I received a letter about what I had asked for, then I preceded to wait til 31 days to see if they would provide a " notice of dispute '' to the credit reporting agencies like the law requires them to do so. When I checked my credit reports, they have not provided the statement that I had disputed the item directly to them by letter. They were suppose to place the statement that I had " disputed by consumer '' in the remark area on all the credit reporting agencies. They have not done a thing and it 's been over 30 days. I sent them another letter saying they have violated the federal law to place a Notice of Dispute to all the credit reporting agencies within 30 days time frame. They have violated the FCRA. My letter clearly says to them that all they have to do is remove their company 's name and the negative remarks off my credit report on all the credit reporting agencies because they have broken the law and I will not decide to take them to court. I also let them know that I was going to report them to this website as well. Since they violated the Federal law I wanted them to know that I was going to take them to court in my area and I was suing for {$5000.00} in damages for the following : defamation, negligent enablement of identity fraud and violation of the FCRA. They still have not place the notice of dispute on my credit reports. Now I just want them to delete their company off all my credit reports, if not I will decide to get a lawyer and take them to court. All they have to do is delete the item off my credit reports. I have proof of every letter that I have written to Mid-Atlantic and their response to my letters in return. I will be going to court because I can proof my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: PA

Complaint narrative:
In XX/XX/XXXX, we ( my roomates and I ) were contacted about debt that we owed regarding move-out charges on our apartment that our security deposit did not cover. The total amount in dispute was {$7500.00}. We ask for verification of the debt and the credit collection agency provided details regarding the debt. All of the debt was related to replacing our XXXX square foot hardwood floor. However, we did not have XXXX square feet of hardwood floor. Within our 30 day response period, we sent the company our floor plan which shows XXXX square feet of hardwood floor. The credit company ignored the evidence which would have reduced the bill by {$2000.00}. They also sent us information on XX/XX/XXXX which coincidentally increased the debt by {$2000.00}. The net affect would be XXXX reduction in debt ( we reduced our debt by {$2000.00} so they increased it by {$2000.00} ). We called the debt collection company 2 days later on XX/XX/XXXX and they said they already reported us to the credit card companies. They did not give us 30 days to response. In my point of view, they have the wrong apartment since our floor plans do not match or they are making up debt because they know how much money they need to make. This {$2000.00} worth of debt did not exist until we showed them proof that this was not our apartment.

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 2017-03-07 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: AFNI INC.
State: FL

Complaint narrative:
I have received debt collection letters from XXXX different debt XXXX over the past XXXX demanding payment of {$1000.00} for goods or services owed to XXXX. 

The original collection letters and payment demands contained a name similar to mine and addressed to an unknown address for services of unknown nature. 

The most recent demand letter came from AFNI Inc. and I sent them a certified return letter informing them that this was not my debt and to cease and desist with further collection attempts as per FDCPA requirements Also to validate the debt via a copy a signed credit agreement or contract for goods or services associated with the alleged debt. 

AFNI Inc. answered my certified letter advising that they would acknowledge my request to cease and desist with contact and a blank payment coupon from XXXX dated XX/XX/2015 that has since been altered to reflect my business address and last name spelled correctly as proof of the debt.

Company response to consumer: Closed with explanation