vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
This debt is from 2011, a loan from a check cashing company. I became permanently XXXX in 2011 and was laid off not too long after that, When I went into the XXXX, was informed they would not accept cash but illegally debited my bank account and had not given them access for EFT, I was turned over to this same agency and filed a complaint with the FTC and the case against the agency was won and the amount was supposed to been forgiven. Friday I received a phone call on my home phone asking for me, as soon as I answere yes I was told it is a attempt to collect a debt at no time did they identify themselves, when I argued with the girl on line I was transferred to a muscle guy who demanded I pay " or Else '' threatened me with legal action, when I informed him I was XXXX he said that they could seize my bank account, social security XXXX, and all my assets by that time it had escalated into a shouting match, I have received XXXX calls this morning in a row between my cellphone and home phone which was not anywhere on the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 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: TX

Complaint narrative:
I am extremely unhappy. my student loans got transferred from XXXX to Uheaa and my payment schedule is completely wrong. I called when it was transferred with concerns that the balance was reflecting higher then I last saw at XXXX after viewing my online profile. I was also concerned because I saw my loans split when it was XXXX lump with XXXX. It did show that XXXX sent my payments but I was concerned because it did not show I had one coming up. I was told I did not have one at the time and I would have one at my regular time in XX/XX/XXXX. Which for the past 8 years has been on the XXXX of the month. I left that phone call still unsettled. Now I get notices that I am late on my payment and owe a fee and my payments are due on the XXXX of the month. That does n't work for me as my other payments are worked around my loan payments on XX/XX/XXXX. Also It is not reflecting my recent payment that my online banking sends automatically on my due date of XX/XX/XXXX. My husband got a strange call to say his account number on his payment is wrong ... umm its my account he has one as well but as he just finished XXXX school his should still be deferred. And I ca n't find contact information because it leads you to dead pages. That lead me to your facebook reviews with many and I mean many other people dealing with the very same issues. This will be fixed and it better not reflect on my credit as this is a mistake on their part. I have been on time with payments for 8 years and then get switched without my permission and it goes all wrong! I am trying to sell and buy a home and this could hurt my family.

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 2016-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I have a premier checking account with Citizens bank in XXXX XXXX Ohio. The account is linked with several other accounts that have more than the minimum balance to keep it from getting charged a maintenance fee. Beginning XX/XX/2015, the bank, for no reason started taking out a maintenance fee of XXXX dollars for a total of more than XXXX dollars. I contacted the bank and spoke to the manager. She stated that it was their error and " XXXX '' would contact me to handle it. XXXX later called me and said that XXXX charges amounting to XXXX dollars would be refunded, but for policy reasons, no more. He did add that if I came to the bank and discussed solutions, more money might be refunded. I want a full reimbursement of the money fraudulently taken from the account as maintenance fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I originally took out a loan with XXXX XXXX XXXX on XXXX XXXX, XXXX. Due to paycuts at work and the birth of my child I found myself regrettably unable to repay the loan in question. On XXXX XXXX, XXXX XXXX XXXX XXXX closed my account and charged off the balance due, which at that point was {$2900.00}. 

However, a debt collection agency by the name ofLVNV FUNDINGXXXX XXXX, XXXX ( XXXX ) XXXXAcquired the old debt and began harassing me with numerous phone calls and letters about this old debt in which I informed them i was unable to pay. 

I noticed on my credit report that they show this account as having gone delinquent on XXXX XXXX, XXXX which is entirely false. It original went delinquent on XXXX XXXX, XXXX and in informed them that this was improper " re-aging '' of an old debt to which they never responded. 

They 're also adding late fees to this account which I did n't think was allowed by law when a 3rd party such as LVNV buys an old debt. They 're saying I now owe {$4300.00}!!! 

Please help me, I 'm at my wits end with this company. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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: Diversified Consultants, Inc.
State: MD

Complaint narrative:
I have explained to this company several times that I paid this bill in full. The exact response I received was " oh well, XXXX said that you never paid it so you have to pay us {$500.00} or we will ruin your credit. '' That is the response that I received word for word! I asked them to send me a bill showing what this {$500.00} was for. They said that they do n't have bills and they only have the balance. I am being blackmailed into paying a bill that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: AL

Complaint narrative:
I have not received a statement from this company in months, despite my attempts to contact them via mail and phone. The last statement I received was XX/XX/2016. I have no idea what the balance is on this debt, nor do I know how my payments are being applied. Their statements are confusing and I do not believe they are applying my Payments correctly. I pay this loan electronically through Billpay in my mobile banking website. I pay {$40.00} every month, which is more than the minimum payment. I have never been late with any payment. I have written a letter to this company with no response. I have tried contacting their customer service number but it always goes to a voice mail and no one returns my call. I feel this company is unethical in that they do n't provide any statements to me and I have no idea what the balance is. They do not respond to any communications. And yet this debt appears on my credit report. How will I ever know that it is paid off? And it will appear on my credit report as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank ( USA ) , N.A . ( " the Bank '' ) is engaging in unfair, deceptive, abusive acts and practices by violating my rights under the account holder agreement for my Capital One Visa Platinum account. I recently relocated to a new state and updated my billing information with the Bank. Apparently this modification triggered a fraud alert in their system, which prevents me from accessing any account information ; information I need to remit payments and review ( 1 ) my balance, ( 2 ) account activity, including debits and credits, and ( 3 ) a copy of my rights under the account holder agreement. At the encouragement of the Bank, I foolishly enrolled in online statements, I do n't receive paper statements regularly. As a result, this system that is now prohibiting my access is my only source of this data. 

While I am not particularly concerned about ever using this account to make purchases again, I believe that Capital One is violating a number of consumer protection laws by not sharing my current balance or transaction data with me until I produce an onerous amount of documentation to prove who I am ( apparently the multiple telephone identity verification processes and desire to pay my bill are not sufficient proof of who I am ). The Bank does not have the authority to make such a demand or, if they do, I would n't know because I am unable to access a copy of my account holder agreement to review my rights. 

A large bank like Capital One should know that there are many identity verification services such as XXXX XXXX or even the USPS change of address system that would provide ample proof to the Bank of who I am and that I relocated. 

This action may be pervasive and affecting consumers at large. I encourage the CFPB to issue a Civil Investigatory Demand ( CID ) to the Bank to determine whether or not this is a widespread issue. This fraud block prevents a consumer from accessing information needed in order to pay their bill, potentially causing severe harm to consumers. I believe that this demonstrates, at best, willful neglect on the part of Capital One Bank who would certainly continue to charge additional interest and late penalties, furnish data to credit reporting agencies or charge off this account should I fail to remit regular payment on this account. 

Other, more responsible financial institutions, have implemented effective alternative methods to ensure that accounts with suspected fraudulent activity do not incur additional charges while still allowing the account holder to access relevant data about their account. 

I was able to obtain an unverified total current balance from the fraud manager who I spoke with after I was told it was a violation of their policy/procedure to provide this information to me. I have remitted a payment for this full amount to the Bank, although I have not had an opportunity to review the transactions which make up this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: NC

Complaint narrative:
Old Acct # XXXX Acct # XXXXHello My name is XXXX XXXX and we were sent to BSI Financial from XXXX XXXX XXXX. We were in Foreclosure. I filed for Bankruptcy in XX/XX/XXXX ; Once approved and was given an amount to pay monthly, I filed for a Loan Modification in XXXX of XXXX to begin making payments again with BSI Financial. After three weeks I called and was told to be patient they were processing it. I called about XXXX times total and was given the same information. On XX/XX/XXXX the envelope I sent with the modification paperwork came back, return to sender. The address for BSI Financial matched the address to this company. I am very dissatisfied with this company. I am trying to keep my home and work with this company to do so but to no avail. My desire is to receive a loan modification and continue to pay my mortgage to keep my home. Where do I go from here? 

Thank youXXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
PenFed The credit card company fails to withdraw funds automatically. The system changes within the company as stated by the agent over the phone suggests internal system issues. However, the company keeps charging delinquent fees to the account even after I make a over the phone payment with the agent. {$25.00} fee charged, automatic payment reversed and now the minimum payment has tripled. 

PenFed continues to not respond to e-mails, not file disputes, does not follow up on promises, does not withdraw funds from automatic payments. 

The internal challenges of poor communication with customers, systems that fail to process payments, and invalid billing/websites are causing a massive burden to me as a consumer. I have to literally manage this account as a full-time job, If I do n't audit the account I find many charges that are without proper information or explanation. The company is only nice when it attempts to collect payments but when it comes to managing customer experience lacks any empathy or understanding. 

It seems like they are happy to lend but unable to manage transactions, provide proper dispute process or work through their internal partnerships with a third party lender XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I was using XXXX services for a while. I recently moved overseas the past few months and have been renting at a location outside of the United States, though I still have mailing address in the United States. I use this information to fill out a tax form on XXXX with intention to use their service to file for taxes, however, due to inaccuracies information on XXXX tax, I decided best not to use their tax services to file my federal tax return this year, not that I am required to file my tax return since I am actually exempt according to the IRS. 

What happened next is very interesting, the foreign address which I use to fill out my tax return on XXXX which I did not file show up on my Transunion credit report on XXXX website, not only that, the information on that is incorrect as I am currently in XXXX, and the information show an address that is of neither XXXX or United States, I am trying to make a determination whether the incorrect information is from XXXX or Transunion furthermore, this is not the first time I have experienced incorrect information on my credit report on Transunion as well as XXXX site, combining with the fact XXXX estimation of my tax is incorrect, I have decided to no longer use XXXX services. I would like to know whether it is XXXX or Transunion that is inputting incorrect information on my credit report. 
This is not the first time Transunion has provided incorrect information on my credit report and I think there is something every wrong with this credit report agencies. Including manipulation of information, deliberating change information of customers. I believed this many incidents which include some I have reported in the past show potential extreme corruption in this organization.

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 2017-02-21 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Fair Collections & Outsourcing ( FCO ) is reporting an account on my credit report that was paid and was suppose to be deleted from my credit reports once I agreed to pay them. The account is past the 3 year statute of limitation in Maryland and this account is from XXXX to XXXX. I paid the account as a settlement with the agreement that it would be removed once it was paid. I was told that they had the agreement from there client XXXX at the XXXX to offer the settlement for deletion but they continue to report this account on my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My husband ( BORROWER ) of a XXXX loan now deceased. I, the Non-Borrowing Spouse while in the mist of complying with ML XXXX learned TODAY XXXX/XXXX/2015 that the program as been rescinded. Ironically, today XXXX/XXXX/2015 was my deadline given to submit monies to comply with HUD 's Principal Limit Test. I called in this morning to get how to submit instructions and/or extension request. I was told that the program had be scraped by HUD and the server was not going to honor or offer the program to me. Devastating news to me for I stood ready to fulfill the outstanding requirements. So XXXX now I feel victimized of my rights as a XXXX, let alone the devastation of losing my husband I have to add these additional disappointments and agony. ML XXXX was rescinded with XXXX. This complaint goes out to HUD for their indecisiveness and wearing XXXX faces. HUD created the problem I am now faced with ( foreclosure ) while insisting that the lender proceed in foreclosing and creating my displacement all to satisfy the conditions for paying insurance claims. These foreclosures are illegal under federal law and I PROTEST. HUD need to be held accountable because I was removed from title to my home at the onset of the XXXX now I 'm being punished. I am being VICTIMIZED!!! Please advise!!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
this is the same complaint ive been complaining about and since my wages will be garnished I will have to file Chapter XXXX ... in XXXX a XXXX dollar line of credit with XXXX then sold to XXXX XXXX went into default due to a termination of my job thru no fault of my own ... I told my boss about my XXXX and he began taking work away from me and giving it to less skilled workers ... with that XXXX and this issue is adding unneccesary stress in my life ... at that time of turmoil with no money and house payments and truck payments and pets and other bills and food XXXX XXXX reps were calling me harassing me telling me the sheriff will be at my house soon to take my house and that i will go to jail ... they called me at off hours and i was an emotional wreck and they didnt help ... .I didnt find substantial employment until XXXX and i had to pay family friends and other things back ... so in XXXX lvnv on behalf of XXXX XXXX has the courts issue me a summons ... XXXX XXXX was bought out by XXXX in XXXX of XXXX so why is a bottom feeder who buys debts for pennies on a dollar representing XXXX XXXX sueing me when they dont even own the debt? i answered the summons i got in XXXX pro se which i have a right to do and requesated proof of debt, ownership of debt and how much the debt was actually bought for ... I hear nothing back so i figured the issue was mute. I got another XXXX in XXXX and believed it to be a scam from lvnv funding to get money from me so I ignored it. then i get a court ordered wage garnishment. I responded to the courts and explained that i thought it was a scam and again requested proof and also to vacate the judgement as it would incure an financila hardship. I heard nothing back from the courts. I contacted the nys attorney generals office, the garnishment from XXXX stopped. Then they started again last XXXX. Then they stopped and now theyre starting again. The original amount was XXXX dollars, now its well over XXXX. The account went into default in XXXX that would make it past the statute of limitations. I am not going to pay them this amount of money especially when they bought the debt for less than XXXX. I will file chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have no received any information about this account. I have tried disputing and reaching out to the company online but get response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: QC HOLDINGS INC
State: CO

Complaint narrative:
I called up the collection attorney that has my file asked them to let me set up a payment plan. they told me I have to send over my pay stub that they will take 20 % of my wages I told them I am a single mother of XXXX I can not afford to do that I can pay them XXXX on XX/XX/XXXX and XX/XX/XXXX. they said that is not acceptable they just will get a judgment against me and see how I like it when they garn my paycheck. I really do n't believe this is fair the debt turn form owing XXXX to XXXX. I was told that they do not care how many kids I have of who I have to pay in bills. they just need there money. I told them im willing to pay how come they can not work with me on my terms. XXXX said because we do n't have to we do not care about your terms only to get out money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 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: MRS BPO, LLC
State: NY

Complaint narrative:
XXXX sent a final bill to the wrong address after I closed out my account when my contract was over I looked up the bill and paid it IN FULL they took my payment but held the bill to sell to a 3rd party collections agency NEVER telling me ANYTHING I assumed the account was paid in full called and they just re sent me to collections where i had to pay an additional {$22.00} they still put derogatory mark & late payment even though the debt was already paid for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation