vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
A garnishment was initiated for an unspecified debt. I never have received a notice to court to dispute or arrange payment. I have never received any phone call or message from the debt collector to discuss this with me in any way. The paper work I receive comes to me XXXX week after each wage garnishment is initiated, and contains no notary seal. They send a letter to my employer and tell him to begin taking money, and only after the XXXX deduction, I receive a letter telling me they are deducting money. I have looked at the paperwork my employer received and there is no notary seal or court seal. I have never received a court document of any kind saying that this was going to court in the XXXX place, but the letters I receive and the letters sent to my employer, say this has already went to court and I lost the case? My employer wage garnishment letter has no court seal or notary seal on it either. How do i know this is legit? The letters my employer received do n't even include his last name or title on the paperwork. These papers could have been printed off of any home computer by anyone, as there is no official raised stamp or raised seal of any kind on anything. The only debt I can think of is an unpaid medical loan almost XXXX years ago. This company started sending these letters to my employer to garnish my wages for " a debt '' never saying what debt about XXXX years ago. The attached copies of the form letters are the most recent I received ... and that was XXXX week after the deduction was made from my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Last year I applied for a credit card from PenFed Credit Union. I never got the card. I believe it went to the house next door to me. On a Sat I got mail and did not open it until Sun. Thats when I saw a bill saying that I owe almost {$3000.00}. I called PenFed and had them lock down the account but their was only about {$300.00} left to charge on the bill. They told me to call on Mon. when the office was open. I told them the card stolen, and the almost {$3000.00} was not mine. PenFed made sure the account was locked down. They said they where going to issue me a new card. I never got it. I called and emailed them three or four times, to tell them what I think happen to the card. The last email I sent said they would forward it to the appropriate department. Thats all I hear from them. When I went to do a HARP loan I found out, I fould out in my liabilities PenFed said I had a debt of {$2900.00}. So even though I have given them all the information on who I think the card went to, they did nothing. I still have the XXXX emails I sent them last year. I told them who I think used the credit card and got nor response. All they have to do is see who called in the order, and where the merchandise was sent. This would answer everything. I told them I did not get the credit card, had them lock it down as soon as I found out, but they put the debt on me. I want is for them to remove the {$2900.00} from the XXXX credit agencies. If they do n't want to go after the people that took the money, and I told them where I thought it went thats their problem not mine. Thank You very much. I do at lease have one of the emails I sent PenFed last year. ( I NEVER GOT A CREDIT CARD, ONLY THE STATEMENT THAT HAS XED OUT NUMBER, I HAVE NO IDEA WHAT THE NUMBER IS, THEY NEVER SENT ANYTHING WITH THE CREDIT CARD NUMBER ). ( Member No. XXXX XXXX Account ( XXXX ) XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29 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: VA

Complaint narrative:
Reporting wrong amount to credit bureaus and refusing to accept payment of proper amount. 

1. XXXX final account statement dated XXXX XXXX, 2015 shows a balance of {$600.00}. See attached. 
2. This final statement has a charge of {$85.00} for final utilities. I had already paid the final utilities. Proof of this is attached. 
3. This final statement has a charge of {$270.00} to " re-glaze '' a tub that was in the same condition upon move-in. It was an older apartment with an older tub that had slight discoloration and wear and tear upon move-in. This seemed normal given the age, so I did not see any need to mark this on my move-in checklist. 

This results in a balance of {$240.00}. I have tried since XXXX 2015 to resolve this, but " XXXX '' and " Fair Collections and Outsourcing '' will not correct the above errors and continue to report inaccurate amounts to the credit bureaus.

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 2016-05-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
Fortiva has reported and damaged my credit intentionally. I called this credit card company on XXXX XXXX, 2016 to make payment in which their automated system advised my credit card was current and I owed XXXX dollars. On XXXX XXXX, this credit card company called my cell via the dialer system and I spoke with a customer service rep who told me I was 30 days past due and I pay her one payment in the amount of {$74.00} in which I did. Five minutes later I was contacted again via automated dialer on my cell phone and was told I was 60 days past due and should pay 2 payments. Then, I became confused because the reps could not explain my due date or my payment history. I then called back, got another rep on the phone and the third time was told something different. I asked if this would destroy my credit. All the reps kept saying was not to worry, everything was going to be okay and not report if I paid. I paid as instructed and now I am being reported 60 days on my credit. Fortiva has destroyed my credit with their poor customer service and misleading practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Have called Family members telling them that there are going to file a compliant against XXXX XXXX unless they get in contact with him. When tried to call goes to full mailbox. Told not to call when contacted thru multiple numbers continue to threaten!!! This is Real time collections

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
Comapany block customer for 7 days before making another payment. I have called and was told to wait 7 days. If consumers ca n't make payments, IR balance will increases. This customer is forcing consumers to pay more money in IR not fair and very fishy..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-07 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
This debt in regards to an apartment that I never lived in is on my credit report. I have contacted the original creditor and the collection agency. The collection agency seems to be going after me for something that I do not owe as I have not lived outside of my parents home and also mentioned another person who never lived at this apartment that they are trying to collect money from. This has been taken up with them before and no police agency will take a report for something that is 6 years old as the collection agency is requesting that I file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XXXX XXXX, I made an appointment with XXXXXXXX XXXX about considering possible XXXX. I was told I was an excellent candidate.They treatment was {$580.00} which they financed through FORTIVA, XXXXXXXX. Less than two weeks after the treatment I went back and spoke with the Manager and said the treatments did not work and now I have a XXXX. She told me she would get with her Regional Manager and get it resolved. Two weeks passed, i heard nothing so I started to call. They said they would refund the unused XXXX units I disputed the total transaction with FORTIVA and their response was a copy of the contracts I signed with XXXX. I have since written FORTIVA telling them that the contract I agreed signing however this was obviously not the dispute. I have not had a response. They however did send me a letter threatening to wire off my account and report me the credit bureaus. XXXX did offer me an appointment in XXXX to resolve the issue then cancelled the appointment. I now want a refund to the account and do not wish to do any further business with XXXX. FORTIVA appears to be clearly on the side of XXXX and directed me to resolve with them. XXXX has made it clear and thus I demand a full credit and the account removed from my credit bureau trade list. 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: The Affiliated Group, Inc
State: MN

Complaint narrative:
Affliated credit Services calls me repeatedly. I made payment arrangements with them back in late XXXX early XXXX. They have continued to call me as if I 've never made those arrangements. When I tell them I have they check their files and can clearly see I have. It 's " been sent on to a supervisor '' twice now. I 've told them I 'm filing harassment charges. I have phone records on both my cell and land line to prove this. They need to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17 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: CA

Complaint narrative:
Debt was acquired under an inaccurate/false charge. 
I disputed this debt XX/XX/2012, XXXX resubmitted it two years latter without my being given the opportunity to dispute the XXXX collection submittion. 
Debt is in collection and effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I 'm getting calls and notices stating I owe {$2300.00}. Recently, I received a free credit report and noticed that Real Time Resolutions Inc.is trying to collect {$2300.00} for XXXX. I recently received my credit report and it states Real Time Resolutions Inc. opened a collection on XXXX XXXX. I opened a payday loan with XXXX the amount of {$2300.00} on XXXX XXXX, XXXX. I made a payment in the amount of {$310.00} on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. I then submitted a complaint XXXX on XXXX XXXX, XXXX. XXXX replied and it was agreed I would make payments in the amount of {$200.00} starting XXXX XXXX, XXXX thru XXXX XXXX, XXXX. I defaulted in my loan as of XXXX XXXX where my last payment was for {$100.00}. Up until then I paid {$900.00} plus the XXXX payments of {$310.00} totaling XXXX. According XXXX, I owe {$100.00}. I started making payments again as of XXXX XXXX, XXXX In the amount of {$200.00} thru XXXX. I have statements and receipts proving I made payments. The only receipt I do n't have is paying {$100.00} in XXXX of XXXX. Can Real Time Resolutions, Inc. open an account after 4 years of opening?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: American Student Assistance
State: IN

Complaint narrative:
American Student Assistance ( ASA ) consolidated my student loan under a made up interest rate. Harassed friends and family over false debt. 
XXXX XXXX directly at XXXXXXXXXXXX or by phone at XXXX ext. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The enclosed XXXX for the Attorney of XXXX signers did not become legally effective until XX/XX/2010. XXXX and XXXX names are listed on the XXXX. This new information further confirms the enclosed Assignment of Mortgage that was recorded and filed on XX/XX/2010, with the XXXX of the City of XXXX to claim legal ownership is invalid. XXXX C.F.R. XXXX subsections ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
The announced herself as representer from the legal office of XXXX XXXX calling from ( XXXX ) XXXX and that were had begun to prepare legal document to sue me in court regarding a {$500.00} debt with Mid Atlantic credit card. However the particular account she was referencing has been discharge by the company more than a year ago.

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 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was sick with XXXX and at the same time the real estate market crashed in 2008. 
I fell behind with my payments. 
I have tried XXXX times to make different plans but the lender always comes back with higher and more costly plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 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: TX

Complaint narrative:
I entered credit counseling to consolidate and pay off my debt on XXXX/XXXX/XXXX and made monthly payments until XXXX of XXXX. At completion I received notice that I had completed the program and that they debts were paid in full and that notice was also provided to the creditors. As a side note I do know that payments were made to the creditors as I recently received a repayment of overpaid interest from another account. I have disputed the debt with LVNV/XXXX multiple times, most recently in XXXX of XXXX. XXXX again it was deleted. While applying for a mortgage I discovered that the debt was incorrectly being reported again as an active collection, despite having provided the evidence of the credit counseling program, and successful completion. The evidence sent showed the correct account number, and debtor. I also received a letter from the collector that despite matching account number and documents showing completion was insufficient evidence, but did not provide any evidence the debt is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt is older than XXXX years, from 2004 and so is the delinquency date. I 've asked for debt validation and they refuse to provide me validation. They keep updating the date of the account opened date to it stays on the report longer which is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
They add fees to this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Vermont Student Assistance Corporation
State: FL

Complaint narrative:
Vermont Student Assistance Corp ( VSAC ) ignored my deferment request and has garnished my Social Security deposit and my IRS tax refund. 

My deferment request was valid based on 1 ) an existing deferment for another student loan and 2 ) economic hardship. In addition to the garnishment, VSAC harasses me with daily phone calls and letters. It is pressuring me to enter its repayment program with higher interest rate. 

I am single, retired and live on a fixed income. Prior to the garnishment, my monthly income was {$1200.00}. After the garnishment, my monthly income is {$1100.00}. My income consists of Social Security and a small pension. I am unable to work and hope to receive XXXX but am afraid to apply because VSAC will take it. 

I am in extreme financial distress because of this garnishment. I have XXXX cents in my bank account. I had to sell books to buy my last monthly prescription. I had to borrow money to pay my utilities after having them cut-off 2 weeks ago. I live under daily XXXX because of this which affects my medical condition ( 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 2017-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: FL

Complaint narrative:
They call me over and over again every single day, several times a day.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received a collection Notice in the mail from a company called " Resurgent Capital Services '' in XX/XX/XXXX. They are claiming I owe a debt of XXXX to a company called XXXX. They also have stated this account was opened on XX/XX/XXXX. I know nothing of this account and would have been only XXXX or XXXX at the time being my Date of Birth is XX/XX/XXXX. This is ruining my credit before I even start my life. XXXX has reported this account on my credit and now their collection company " Resurgent '' is now additionally reporting negatively also like I have two accounts negative. I informed " Resurgent '' in XX/XX/XXXX of my age and of this matter and they refuse to remove this and will not stop attempting to collect this Debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Creekside Recovery And Capital Management
State: FL

Complaint narrative:
I received a phone call at my work place from a company refusing to give their name. the man calling also gave me a false name. I was told to be home at a certain date and time because he was coming to serve me and if I was n't there to sign I would go to jail for a missed court date. I tried calling the number back and they refused to give me a company name. The man I spoke to was told not to call my workplace again due to the fact my employer does not allow these types of calls.the man began to yell at me and would not continue until I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Creekside Recovery And Capital Management
State: NC

Complaint narrative:
I received a call from an unknown number on my cell phone. The caller gave the name " XXXX '' but did not leave a company name. He said that he will be coming over ( did not say where ) to get my signature and that I needed ID. He said that I had to call XXXX if I needed to reschedule. If I google that number I find a ton of complaints. Apparently this is a debt collection company that is acting illegally. He did know my name and phone number so he had some information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Patrick K Willis Company Inc
State: CA

Complaint narrative:
I received a phone call from someone identifying themselves as an Investigtor and that they were trying to contact me regarding my brother. It was a debt collector. I do not even have contact with my brother and this company is calling me on my unlisted phone number which my brother does not even have and I do not know how they got it. They are now continuously leaving messages on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
I have recently pulled my credit report and located an account showing a mortgage account called Real Time Resolutions. I recently contacted them and they are a collection agency, not a mortgage company. They are incorrectly reporting on my credit report

Company response to consumer: Closed with explanation