vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
I have an old debt that filed to attach bank account at XXXX banks in the last 2 months. Now they send a letter head calling themselves some other name. 
I have filed bankruptcy chapter XXXX. Following an accident in which I am XXXX for 20 years. 
It 's embarrassing when they keep sending attachment to different banks and also sent proof of bankrupty. 
How do I make them stop?? 
I call and they are rude and disrespectful. 
I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Vermont Student Assistance Corporation
State: NH

Complaint narrative:
Private " XXXX '' loans offered by VSAC requiring filling out a paper deferment eligibility form every 3 months which requires a phone call to VSAC to request and several weeks to wait for arrival. However, as I 've repeatedly notified VSAC, I am full-time student as the student national clearinghouse reports until XXXX 2016 with {$0.00} in annual income. Regardless, VSAC requires this form be completed every 3 months for this loan only, while other loans do not require this. This puts an undue burden on the borrower, and requires that I continually call into VSAC every 3 months to go through the same process repeatedly, increasing the likelihood of missed and/or late payments on my part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I was a customer with creditor for many years. I lost my job and was not able to make my payments. I called and tried to work out an arrangement. Was told there was nothing they could do for me. Some time passes and I get a process server telling me I am being sued. I called the collection agency each time I call I get a new person and a new set of things I need to do to make this go away. Was trying to resolve a debt issue before a court date. Was told to submit a written proposal and with in 72 hours I would have an answer. I emailed and faxed my proposal. Went to initial court hearing and spoke to their lawyer and was told he had to run my proposal by his client he would get back to me. I called back two weeks later and was told my offer was rejected and I would be forced to pay entire balance in three monthly payments. I said I could not afford that. I was told by a female attorney with the company that maybe I should have a better XXXX job. Then I was told she would start the garnishment paperwork. We have not even gone to court yet the trial date is a few weeks away and I am now getting threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX , XXXX ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to Continental Finance. I called XXXX, and a representative said it was a Visa that I had opened XX/XX/XXXX and closed XX/XX/XXXX. I never opened a Visa XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted Continental Finance, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry MasterCard, not Visa, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 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: VA

Complaint narrative:
I requested this company Resurgent to provide documentation about the debt they are trying to collect from me. I talk to a customer service rep over the phone twice and she said that they do n't have the documentation right now, that I would have to wait for them to get it, I sent out two emails one on XXXX/XXXX/2016 and again on XXXX/XXXX/2016 asking them to send me verification and documentation of this debt and I have not had any response from the email. I also sent a certified letter requesting this information and I received my return receipt on XXXX/XXXX/2016, but to this day I have not received any verification or documentation as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV continues to report account is a open/revolving account. This account should be reported as a collection account. They are reporting a past due amount when a collection account can not have a past due amount because we never agreed to any terms. LVNV is reporting that they are a creditor when they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
My card with Continental Finance was compromised about a year and a half ago, and the issue had been cleared up. About six months later my card was charged again by the same company from the first time. I was told when I called that the fraud department would be sending me an affidavit, and I told the company I also needed a copy of my bill ( I could not log on the website to see which charges were mine and which were fraud ). I called them back weeks later to report that nothing ever showed up, and they said they would resend it. By the third phone call, I asked for the dates they sent these documents, and apparently " that information was not in my account. '' I asked them to once again send both the affidavit and the bill. While waiting again for them to send this information, I learned that they had sold off my account to a collection agency when I got a call from a lawyer representing the agency. I immediately called Continental Finance and talked to a supervisor ( XXXX, I believe ) who proceeded to tell me that they " should not have sold the account off because there was fraud on the account. '' He said he was going to email the collection agency to " get it back. '' Another month went by and I heard nothing. I called again and was told that the company had not responded and that they ( Continental Finance ) will send another email. I asked them to carbon copy me on any email that goes out and was told they can not do that. I also asked for the collection agency 's phone number and was told I could not be given that information, either. I waited another few day but still nothing, but I did get a " final call '' from the 3rd party lawyer. I told lawyer 's representative that I was still trying to work out the fraud issue with Continental Finance and was told there is nothing about fraud recorded on my account. I asked her to tell me what the email correspondence from the credit card company to the collection agency said, and I was told " there has been no correspondence '' from the company at all. I am filing this complaint because it is clear Continental Finance has no interest in resolving this situation and has done none of the work they claimed to be doing to help me make informed choices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Persolve, LLC - Legal - Series 2
State: CO

Complaint narrative:
The school that I was attending XXXX XXXX in the XXXX XXXX area closed in XXXX XXXX, 2016. I have contacted the XXXX XXXX XXXX and the federal loans. According to the XXXX XXXX XXXX and Federal loans, I do not have any existing loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Nationwide Biweekly Administration, Inc.
State: NC

Complaint narrative:
I have been using Nationwide Bi Weekly for 7 years.In that time they have helped me save money and time while servicing my mortgage and auto loans.My auto loan contract with NBA has been interrupted by XXXX XXXX of CFPB according to NBA. An example of how they have helped me is an auto loan that i obtained from XXXX XXXX, in which i had 5 years of monthly payments.Due to how NBA services my loan, it was paid off in XXXX months.Saving me interest and time on the loan.Consider using bi weekly payments on a 30 year fixed mortgage.Lots of money saved, lots of time saved.

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 2016-05-13 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: EOS Holdings, Inc.
State: NV

Complaint narrative:
I placed a dispute on a XXXX bill from 2014. On my XXXX credit report it says Closed report :, Collection account information disputed by consumer meets FCRA requirements. However when I look at my XXXX report they still have the account as opened. I called the collector of the account EOSCCA they are the fourth party to own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I attempted a transfer from GE Capital Bank to another financial institution on Saturday, XXXX XXXX, 2015. I received a confirmation and GE Capital failed to contact me on Monday, XXXX XXXX, 2015, to inform me of an unsuccessful transfer. This failed transfer caused a check made out to the IRS to be returned for insufficient funds. The IRS penalized me 2 % on the amount due and 3 % interest. 
I received the attached letter from GE Capital acknowledging their error. The person writing the letter XXXX XXXX, Compliance Dept, XXXX UT Tele : XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-10-18 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: GA

Complaint narrative:
I have continuously contacted the debt collector who refuses my dispute of the validation of this debt. The representative could not provide me with validation as requested, other than a copy of a bill. I have continuously advised the collection agency that this debt does not belong to me, and request that the following debt be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
Consumer # XXXXDispute Case ID : XXXXBank Name : XXXX XXXXReference : XXXXXXXXThe situation that happened is that I figured out that information was used to open an account on a financial institition and I contacted them to dispute this deposit accounts. They contacted me and removed me from any liability from those accounts however Early Warning will not remove this inaccuarate negatative reporting from my consumer report. 
I have attached a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 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: AFNI INC.
State: IN

Complaint narrative:
I have been with XXXX at various addresses since XX/XX/XXXX. Due to their horrible service I cancelled. From XXXX XXXX XXXX I spent 15 + hours on the phone with them. After cancellation I got a notice that I had a XXXX credit. All was squared away. Then dated XXXX I got a notice from Afni Collections saying I owed $ XXXX. I called XXXX. They admitted the never told me about the balance and admitted no bill was ever generated. My only notice of this was that I got a collection notice. I confirmed it was a valid collections company then paid it at once. I 'm XXXX XXXX XXXX today. I have never, ever had a collection notice in my life. I 'm fiscally responsible. XXXX failed to follow protocol by first issuing a bill to me letting me know I had an account in collections. I leave XXXX for three weeks tomorrow. Had I not happened to get my mail ( it just arrived today ) it would have hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Gragil Associates, Inc.
State: VT

Complaint narrative:
this has been paid and settled and the original debtor agreed to have it removed but the collection agency wo n't remove it gragil is supposed to remove it but have n't yet

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
Apparently I have a collection debt for an utility I know nothing about. I owe XXXX to XXXX and I dont even live in XXXX. I live in XXXX and actually live in a XXXX at the moment so I obviously do not need to have any utility on my name at the time XXXX does not have that information on my credit report but XXXX and XXXX do show me this problem in my collection debts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 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: EOS Holdings, Inc.
State: CA

Complaint narrative:
The company EOS CCA has been mailing me for the past 2 years trying to collect a debt that they do not own. 

I had a balance to be paid to XXXX XXXX XXXX over 4 years ago. On XXXX XXXX, I called XXXX XXXX XXXX to take care of this matter. XXXX XXXX XXXX told me that the debt was sent to collections and provided me with the info of such collection company - which is NOT EOS CCA. 

The collection company & XXXX XXXX XXXX collaborated so I could pay off my debt & open a new Cell account with XXXX XXXX XXXX. I got a letter from such collection company indicating that the " Original Account from XXXX XXXX XXXX has been settled in FULL. and that Payment was received on XXXX/XXXX/XXXX. '' Such collection company also updated my credit report & indicated that the account was settled in full. 

However ... since all of this happened, seems like this EOS CCA company got a hold of my personal info and has been mailing me since XXXX XXXX. 

I moved homes this summer and now they have found me again!! 

I called them to the number they provide on their collection letter, and they have pleanty of my information ( Full name, address & phone Number ). 
They also claim that they purchased the debt from XXXX XXXX XXXX on XXXX XXXX XXXX!!! 
How is that possible? 

I called XXXX on XXXX XXXX to take care of this matter & they NEVER mentioned this company. 

EOS CCA has almost the same account number that the one that XXXX XXXX XXXX & the other company had, but it differs from only XXXX digits. 

Also, when I called EOS CCA to get an email with docs proving of the debt I owed he said that they do not email. But he said that he could send me another letter that would like exactly like the one I just got from them. 

When I was disputing my debt with the other collection company, they quickly emailed me docs to prove what I owed and how we could fix such. 

As a conclusion, EOS CCA is either a scam company trying to get money from people that is struggling with collections. Or a poorly run company that does not check facts on the people they are trying to collect money from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
Prior to XX/XX/XXXX, I went inside a Region 's branch with my XXXX offer for opening a new account. The offer stated that I needed to make at least XXXX debit card transactions within 60 days of account opening and have e-statements to receive the promotional deposit. Since that time, I have sent and received dozens of messages through my online banking at Regions trying to confirm the promotion and that I have met the terms of the bonus. Multiple times I have been told by Regions that my account was registered for only a XXXX bonus that required direct deposit. I know this is not the case, and I have attached the pertinent account promotion page and opening document clearly showing my registered email address : XXXX as being signed up for the account.

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 monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
I have no knowledge of this debt or the creditor. It is reporting as open on to the credit bureaus and is negatively affecting my credit profile.

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 2016-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: CA

Complaint narrative:
I found a collection on my credit report. I called the company to tell them it is n't mine. I had already filed a police report with a different collection agency last year. This debt keeps recurring from different collection agencies. Although I offered to send them a copy of a police report made on the same debt last year, they insist I complete their " packet '' so they can investigate. When asked how long this would take, the answer was that they did n't know ; it would take as long as it takes. I feel like I am fighting an uphill battle with these people. The address where the debt originated is on their report, but they say it is my responsibility to prove I do n't there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
BP BUSINESS SOLUTIONS MASTER CARD- You can only receive your bill electronicallythe bill arrive on the XXXX and must be paid by the XXXX ( only 13 days ) If you have a Mac & use Safari You ca n't pay online anymore - Their IT dept disabled this option for Mac users. XXXX XXXX sent my Bill Pay payment on the XXXX. BP could n't process payment or put my payment of XXXX on another persons account. They did n't process my payment until XX/XX/XXXX on XX/XX/XXXX they charged me XXXX for a late fee for the remaining balance of XXXX plus they are charging default int fees of XXXX & XXXX & on XX/XX/XXXX they charged me XXXX for a late fee for the same issue

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12 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: EOS Holdings, Inc.
State: IN

Complaint narrative:
After agreeing on a settlement, satisfied my end of the agreement. I returned the requested equipment to XXXX for the debt, and called XXXX and provided a receipt number. A couple weeks later, I called to get a letter saying I paid the debt, but they said they did not get a receipt number and I still owe money. They would not bother to look up the earlier notes, and said I have to dispute the debt. After making the agreements, they are refusing to honor their side. It still remains on my credit score with the balance on full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I bank with Regions bank and everytime I visit this new branch in XXXX XXXX XXXX, fl I have an issue making deposits or withdraws.I was called by the tellers telling me my bank card was closed out and they would like me to come in to issue a new one.One week passed and the new card was not there.So they canceled that card and ordered another and that XXXX never showed up as well.I became upset and asked to speak with the manager and she was rude.She told me I would just have to wait to get a card or keep coming in to make deposits and withdraws.I ended up going to another branch location in XXXX XXXX and they took care of the whole mix up and situation.I just wanted to withdraw and deposit my money.I am disappointed because i received a phone call today from the other Branch on XXXX XXXX saying that they have to right to close my account for any reason and will be doing so today, so i needed to come pick up the check or they will mail it out.XXXX was the managers name very rude, unhelpful and unknowledgeable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief