vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: NJ

Complaint narrative:
Re : Central Mortgage Company of XXXX XXXX, Arkansas, bought my mortgage from original lender. Despite industry practice and what they specifically state on their website, they have reviewed and changed monthly payment, purportedly resulting from a change in either tax or insurance escrow. They failed to correspond with my husband who had been given authority to do so with Central Mortgage, in writing. They have failed to provide the requested backup as documented evidence of so called reported changes. 
Additionally, a previous complaint was made by my husband. SeeXXXX. This was dismissed because XXXX stated a response that they were unable to respond to the complaint without authorization from the consumer, FALSE AND UNTRUE IN EVERY RESPECT. CFPB erroneously fell for that and apparently can do no further. I have attached a letter stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE

Complaint narrative:
FCO Collections ( Fair Collections and Outsourcing ) has recently started harassing my ex-roommate and I about a bill we apparently have from when we moved out a year and half ago. Up until this point, we were told there was no outstanding bill. FCO refuses to validate the account ( a consumer right. ) A man by the name of XXXX XXXX is degrading, harassing, and threatening. He 's lied to us and bullied us every time we speak on the phone. He refuses to send documents and his only response is " This is n't about me, this is your responsibility. '' We have no clue if this bill is substantiated and they wo n't work with us unless we have payment. My roommate set up a payment plan because he told us initially that we had until XXXX XXXX to figure this out and today he called and said that he was reporting it right away. He wo n't let us talk and interrupts us every time we try to ask questions. He has attacked us from the very moment he started calling.

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 2016-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC
State: CA

Complaint narrative:
XXXX is attempting to collect a debt from me against their own customer agreement, changed a policy outlined on its website to defeat my complaint, and disregarded the first assigned debt collector who wrote me an apology letter, evidently believing XXXX violated debt collection laws. 

I transferred mobile carriers from XXXX to XXXX on the last day of my billing cycle. I shortly thereafter called to confirm my balance was XXXX dollars. 

My account was later debited about {$400.00}, and so I called for a refund, but was informed that I was no longer the account owner and needed permission from one of the remaining lines, my mom. The representative three-way called my mom, who asked XXXX to refund me. I received a refund a few days later. 

About two months later I received a bill for over {$1000.00}, but when I called to dispute the bill, I was told I was the account owner, and moreover that I did not transfer liability pursuant to an " assumption of liability '' policy outlined on XXXX website, which I disputed as inapplicable, and because it contradicted prior representations. XXXX then changed the page in an apparent move to defeat my complaint. 

My mom states that XXXX told her she could not leave the carrier until the following billing cycle and that she would not be charged. From the billing statement I received, there was no usage on her line, but she was still charged. 

The debt was sent to a collection agency, but after I wrote them a letter, they apologized and said they would cease their collection efforts, and would forward our correspondence to XXXX. The debt was then assigned to a second collector, although an executive representative from XXXX said they did not receive anything from the first collector. 

My credit score, which was formerly " very good, '' was also impacted XXXX points.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
I attempted to order a new card with Continental Finance, the card I have is damaged, there is a crack on the bar code and will not scan correctly due to it. I have to use the card online, it will not work in any terminal. The rep I spoke with stated my account needs to be current, which it is, it is not past due. She would not order a new card. I am not due until the XXXX, the account is current, not past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
My wife paid her credit card account out around XX/XX/XXXX. or XX/XX/XXXX. The credit card company end up pulling a payment, and posted on XXXX XXXX, 2015. Then come to find out that one of our credit card had gotten lost or stolen, some between the time that the credit card was paid out there was fraudulently active on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
Despite receiving XXXX separate credit reporting and validation requests this collection company has failed to respond with ANY evidence that this alleged debt is mine. 

After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
Calls come in asking if they can speak to a XXXX. There 's no XXXX here.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
I lived at the XXXX run by XXXX who happens to have tons of complaints for fraud. I am a civil rights activist, so I found out the XXXX female managers were guilty of XXXX because they were inflating water bills. They created a formula for XXXX apartments which was illegal. They billed you for water, according to the amount of people living in your apartment. For me it was, XXXX adult with XXXX kids. In writing they assured me my water bill would be {$40.00} per month. My neighbors had XXXX adults and XXXX kids paying {$50.00} per month. I received outrageous bills for {$120.00} per month. I complained to the XXXX. State Attorney General, the Town of Farmington and then went to many apartments and found out women and minorities were billed higher than white residents. I decided to move and the neighbor next door got angry and started harassing my children, XXXX child threatened to choke and XXXX my XXXX year old son. XXXX and XXXX incited a feud with white trash, so I was forced to move. Police reports were filed. The XXXX passive aggressive managers fabricated a bill after I moved. We videotaped and took pictures after cleaning. We ended up in Court because the XXXX managers wanted to create an incident. In Court, I testified I paid my rent on time the entire time we lived there and told the Judge the reason they retaliated was because of my discrimination complaints. The company who billed me for water said, XXXX told them I had XXXX people living in my apartment and this is why my bill was so high. He said she gave them all the numbers inflating the water bills. We found tons of complaints supporting their fraud and malfeasance. They have refused to validate the DEBT. I would like this removed. We are using social media and XXXX to ensure the Public is aware of their malfeasant behavior. The maintenance man XXXX said, the culture at XXXX is ruthless. They have meetings were they encourage managers to look for new ways to bill residents for anything they can think of. The turn around of tenants according to the Town Manager is he highest in XXXX, CT. Please investigate this company and remove this fraud off all my credit reports. Thank you and best regards. 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 2016-01-07 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: KY

Complaint narrative:
Sent XXXX letters to all XXXX credit bureaus on validation of this debt nothing has been validated at this time sent letters to LVNV funding LLC on XXXX XXXX 2015 nothing has been validated at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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: TX

Complaint narrative:
XXXX XXXX, XXXX I requested validation from FCO regarding collection account reported on my credit report dated XXXX/XXXX/XXXX. 

They provided proof on XXXX/XXXX/XXXX ; however the " Statement of Security Deposit Accounts '' document dated XXXX/XXXX/XXXX does not provide dates of amounts in " Balances Due '' section. There is a " New Charges '' section reflecting {$1300.00}, with no itemization of these charges. Additionally, there is a {$750.00} " Damages '' charge ; however a Damage Assessment was not provided.

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 2016-10-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I requested a replacement card with Continental Finance ( Matrix Card ) in XXXX 2016, and updated my address. I never received the card in question and due to being unable to login to my account ( it is linked to the card directly, and locks if you 've requested a new card ). I called to make payments and request the card AGAIN, and was sometimes met with a " it is late ''. So I would make my account " current '' and request the card again, leading me to believe that I was paying and would not owe until the next month. Fast forward through months of this rinse repeat cycle to today, ( sometimes they waive the late fee, other times not ), and I find out that making my account current does not include the current amount due. While it is beyond me as to why " making my account current '' would n't include the current months payment. After being transferred, the supervisor proceeds to advise me that to send my card, I must make a payment that includes the next payment ( meaning the next due ) and that is how I would receive my card. So I pay ahead, in fact I just paid above and beyond the amount due in order to secure my card. The turmoil and headache of their login system coupled with the inability of the employees to resolve an issue to fruition causes their clients undue stress and financial burden. The FACT that it took over 3 months to attempt to resolve an issue that their client had already given all the necessary information and tools to resolve is insanity. This particular instance is not a closed case as of yet, due to the card not being received. If it is not received, after making the account paid to a true current balance, the cycle will continue, Continental Finance will continue to charge fees they should n't. I would consider this fraudulent activity on behalf of the creditor as several actions were taken and the consumer did everything in their power to resolve the issue, while the creditor continuously misled the consumer in order to accrue fees.

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 2016-04-13 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Oracle Financial Group LLC.
State: FL

Complaint narrative:
These people called me continually back to back like 5 times, when they did n't get a answer they left a voice mail stating that I owed a debt & if I did n't pay it this would be sent to curt & the prices would double. After speaking with them & things sounding fishy ( the fact that some of the info he had was wrong ), I disconnected the call & did a little research which lead me here. The guy then called back twice & left another voice mail using a different name stating due to me refusing he was going to send this to the courts in my area. I called back & asked that they stop calling me to which they said some sarcastic remarke & hung up in my face. This morning my supervisor calls me to her desk & states she had like 3 voice mail messages from the same people & she stated that they left a little to much information on the voice mail. They have called me 3 times today & when I stated that I was filing a complaint & not to cal me any more the guy responded " good for you '' and hung up on me again

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 non-monetary relief
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
debt was written off XXXX XXXX 2000 XXXX years ag0. resurgent capital servives now trying to collect.XXXX year statute in California..do I need to pursue legal action to get this stopped?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23 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: CA

Complaint narrative:
Hello, i have XXXX collection agencies that are currently attempting to collect a delinquent debt amount which i do not agree with, furthermore these collection agencies have yet to disclose information that I requested such as proof of being a collection agency that can operate in California and proof of the contract of the actual debt, accounts recievable that shows the actual amount of debt to be collected and what attributes to these amounts. I do not agree with the amounts, for I think they are innacurrate and these collection agencies have yet to provide proof. 

XXXX Collection agency name : AFNI. 
Collecting {$160.00} on behalf of XXXX for a service or product I never recieved. I do not live at that location, address and do not recall ordering that service or recieving that service. For this reason I want proof, document stating where the debt originates from, the actual line items on a bill, etc. 

XXXX COLLECTION AGENCY NAME.XXXX FL | XXXX XXXX Claiming that I owe {$400.00} for a early termination with XXXX, yet WHEN i called they can only see that {$200.00} was the fee applied for early termination, and they are not certain of where the other {$200.00} in debt came from. This is wrong, and I need once again proof that this debt is accurate by reviewing a document that they recieved from XXXX stating that my delinquent amount will be now collected by XXXX. 

Please do investigate these XXXX companies to see if they have the license to operate as a collection agency in california, and to make them provide proof of my debts and what attributes to the overall debt needing to be paid off. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I attempted to cash a check from an employer at my local Bank of the West. After waiting for an unreasonable amount of time and being treated as though I had done something wrong ( like they suspected I stole the check ) I polity asked what the issue was? I was then told that they did not believe the signature was legit and they refused to cash it ... Essentially accusing me of being a criminal. I suspect at this point, I am being XXXX profiled and I take offense to it as any one would. However I kept my cool and asked to speak to the manager on duty.She confirmed that they will not cash the check, so I told her that I was unaware that the bank hires hand writing annalists. This sarcasm was met with out right hostility. At this point I just wanted my money so I requested she called the number that they had on file and maybe my employer will answer a number he did n't recognize. To my surprise he picks up and confirms that he wrote a check to me for {$500.00} the day before, and instructs the bank manager to pay me my money. This is when she steps whey out of bounds and insists that he give her the check number, which of course he does n't have in his hand because he is away from his check book at the moment. Now she begins to give my employer a massive attitude and tells him she does n't have to cash the check and she " Is doing him a favor '' .... At this point I tell her she is n't doing anyone any favors. In fact it is her job that she is refusing to do and I suspect that this whole debacle is fueled by some XXXX predecease on her behalf. She responded by telling me to get out of the bank and threatens me with calling the police. I realized things were getting way out of hand so I left, taking her business card and promising her that I will follow up with a complaint. I am not looking for any sort of financial compensation. I just want the satisfaction of knowing that I put in a complaint that will have consequences.It is unacceptable and humiliating to be accused of being a criminal based on XXXX my XXXX. I would appreciate any help in resolving this matter. Thank you..

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 2016-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: OH

Complaint narrative:
I have disputed this information several times in the past because the bill had been paid. It keeps showing up on my credit report. Once I dispute the information it stays off for a year or so then it reappears with a different date. This causing me a lot of problems. It not only wrong but it is hurting my chances of obtaining a home. It is XXXX different companies that are doing the same thing. I have contacted the companies and with the same results nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 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: AFNI INC.
State: FL

Complaint narrative:
This is again the same dispute over and over see confirmation of payment XXXX// I faxed this information to you onXX/XX/2015 with a copy of my driver license bank statement when it was paid I been having to do this every 14 months the day of payment was made XX/XX/XXXX {$85.00} it was under the name XXXX XXXX it will faxed again if need it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 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: EOS Holdings, Inc.
State: WA

Complaint narrative:
They sent me a debt -and I responded within the timeframe requesting verification of debt. They did not provide verification and immediately reported this to credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 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: NY

Complaint narrative:
Collection agency is listed on credit report and attempting to collect a debt that is involved in the cramming class action suit. Please have AFNI first verify that they are allowed to collect any debt and provide a detailed modified bill of actual monies owed considering the cramming charges.

Company response to consumer: Closed with explanation