vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I tried to open a joint account at this bank with my current spouse, I have been divorced from previous one since XXXX XXXX, 2015. The bank approved HER, but denied me because of something from XXXX that I never applied for. And that report has my maiden name on there. Unacceptable!!! They would n't put me on the account either, so we decided NOT to return. To me, that 's being treated unfairly. However, I did contact the bank that put the negative information on my XXXX, and they kept lying to me about removing it, and they never did!!!!!! They also lied about sending documentation that I had to sign as well, never got it!!!!!!! I DO NOT appreciate being lied to at all!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Mitchell Rubenstein & Associates, P.C.
State: VA

Complaint narrative:
Initially I never was contacted by Mitchell Rubenstein & Assoc. They were not the holders listed on my credit report pulled XXXX. XXXX had sold it to another company, and I had to call that company and was told my loan had been transferred to MRA. MRA never sent me a bill or any notification that they had taken over my debt or how or where to send payments. My debt was XXXX. I called MRA on XXXX/XXXX/15, and after being grilled about why I had not made any type of payment and explaining that I did not even know they had my debt, I told them I wanted to make XXXX large payments over the next 6 weeks ( XXXX pay periods ) but could not pay it all off on that day and the women I talked to was ok with that. I made the first payment through their electronic site XXXX/XXXX/15 for XXXX. They called me on XXXX/XXXX/15 to ask me why I had not made a complete payment, claiming I said I would make {$1000.00} payments, to which I had definitely not agreed. I was threatened over the phone to immediately send them {$50.00} or be in default, and I countered that I would send their {$50.00} but then would just pay them {$100.00} a month for the next year or XXXX since my paying them off in large chunks every 2 weeks was apparently too difficult for them. She backed down and said that my sending larger amounts after my payday would be " sufficient ''. I made another electronic payment on XXXX/XXXX/15 for XXXX. When I tried to make the final payment online on XXXX/XXXX/15, their payment website was not working. I called them on XXXX/XXXX/15 and then again on XXXX/XXXX/15 and XXXX/XXXX/15, all 3 times forced to leave a message ( could not get to a live person any time ) asking them to return my call ( s ) as I wanted to make the final payment but the website was not working and I needed an address to which I could mail a check. I still have not received a return call from them. I did receive a letter dated XXXX/XXXX/15 threatening legal action since I was in default. I would not have been in default if they had ever sent me written correspondence when they took over the loan ( then I would have had an address or possibly a more direct phone number ), if they had ever sent me a bill, or if they had returned any of my phone calls. I understand that companies buy loans from other companies, but do n't they have to notify people when they do that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Santander consumer usa has super high interest it seems payments never go to the principal balance, when you call customer service wont help at all they just want a payment. Late fees are ridiculous and charging fees to make payments are extra high.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: LA

Complaint narrative:
NCO Group performed a hard inquiries to my XXXX credit agencies without my knowledge or permission. This impacts my credit. I want it removed. NCO Group XXXX, La XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mitchell Rubenstein & Associates, P.C.
State: MD

Complaint narrative:
A judgement was filed against me. I spoke with the attorney to settle. I wrote up our agreement and sent him a check marked XXXX satisfaction in full. After that one was cashed, I sent him the other XXXX amount, which he cashed. He is now saying I ow him interest and filing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 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: MD

Complaint narrative:
This is a debt collection that I do not owe and do not understand why this is my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was overcharged throughout XX/XX/XXXX and XX/XX/XXXX, and am possibly still being overcharged by Regions Bank on overdraft protection. I 've taken out " overdraft protection '', which is a loan that kicks in when I do write a check or checks that exceed my balance. However, I was still hit with overdraft fees, as if I was n't repaying the said overdrafts with a loan I 'm responsible for repaying. This has gone on through most of XX/XX/XXXX. I have n't over drafted this year, so I ca n't comment on where things are right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF THE WEST
State: WY

Complaint narrative:
I had a credit balance of {$.00} on my Bank of the West credit card. I knew it was there but elected to leave it alone. This is still an active credit card that I use occasionally. On XXXX XXXX, 2016 Bank of the West arbitrarily decided to debt my credit card as an " account adjustment '' and take the credit balance. While this is not a large amount of money the point is that neither Bank of the West or any other financial institution has the right to steal money from their customers the way this bank did. I suspect this is not an isolated case and am quite sure that this institution believes that since it 's such a paltry amount why not just take it. If they do that with enough customers they can easily pad their profits. This kind of practice needs to be stopped and the institutin fined for essentially stealing money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
We were the sellers in a transaction where the Regions Bank Loan Officer provided preapproval letter. On Friday, XXXX XXXX, 2016, we received notification that the borrowers loan was approved. The purchase agreement called for a closing date on Friday, XXXX XXXX, 2016 - seven days later - and that the borrower was to be provided with a 'walk-thru ' 48 hours prior to the closing. On Saturday, XXXX XXXX, 2016, we entered into a lease agreement with a local apartment complex where we had to pay fees and prepay first months lease which totaled {$1200.00}. On Monday, XXXX XXXX, 2016, we received an email that the borrower could not complete the transaction pursuant to the contract since his down payment money was to be provided by a XXXX loan and he could not submit a request for the necessary funds until Friday, XXXX XXXX, 2016 -the day of closing. Regions Bank, in providing an approval for the loan for their borrower, did not have the capacity to do so since the bank had not verified the ability of the borrower to complete the transaction per contract dates and caused us to incur expenses based on the loan approval. We feel that Regions Bank did not act in good faith, provided false information to us as sellers, caused us to expend energy and money in complying with the contents of the contract. When Regions Bank was contacted regarding this matter and a claim of reimbursement for the apartment application fees, prepaid items and lease payment, the Bank responded that it would be investigated. However, contact with Regions Bank has gone unanswered and unresolved to our satisfaction. We would think that if a financial institution provides a preapproval letter for a potential borrower that sufficient research and due diligence would be performed to ensure that the borrower has the ability to meet the components of the contract and not cause the seller to incur undue expenses.

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: 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: MI

Complaint narrative:
I am concern about the difference in XXXX difference collections agency reporting difference amounts from the creditor XXXX XXXX XXXX XXXX. XXXX XXXX XXXX on XXXX/XXXX/XXXX total due is XXXX and Afni total due on XXXX/XXXX/XXXX is XXXX. I would like a detailed statement for the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I received a Chapter XXXX discharge of all my debts, and in XX/XX/XXXX, Central Morgage Company XXXX, a mortgage servicer, gave me a mortgage modification agreement in which they created an escrow account to pay all my taxes and insurance as is customary. In XXXX of this year, the tax collector XXXX came to my door with a letter saying I had 30 days to pay off over $! XXXX in back property taxes with penalties and interest for the tax year XXXX. Perhaps I thought the taxes had been discharged in the bankruptcy or that Central mortgage had included them in the escrow because I did not pay thoses taxes, nor did the XXXX XXXX tax Collector inform me that this debt was accruing. It turns out that in small print of their annual tax statement, there is a small note, amost too small to notice, that back taxes were outstanding. the terms they offered for paying these taxes were unreasonably harsh, so I submitted this bill to Central Mortgage which they forthwith paid in full to protect their own interest in the property. Now they want me to repay this tax bill at the rate of {$1100.00} per month on top of my {$2600.00} a month mortagage payment for a total of {$3700.00} per month. I told them that I could not afford this payment and asked them to either remodify my mortgage or to spread the tax bill out over a longer period of time to make my payment more reasonable. They took over a month to ponder my request and have just refused to take any steps to make myi payment more reasonable. I find this to be very unreasonable and woud like help in resolving this matter more to my favor lest I lose my home. Also, I would like to know if I have any legal recourse with resepect to this usorious and totally outrageous tax bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Oracle Financial Group LLC.
State: CA

Complaint narrative:
There is a company named Oracle Financial LLC that continues to call me and threaten me with a law suit. They will not provide a validation notice and have made threats of lawsuits, coming to my place of employment to serve me, and stating that they will find me through my family. They have personal information about me such as my social and address and it concerns me. They offer a settlement over the phone and say I need to pay them through credit card immediately. This feels fraudulent and I am concerned they may be trying to commit identity fraud or collect debt that is not real.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This company calls XXXX times a day, leave messages to return the call, I spoke with a rep XXXX XXXX, 2015 advised her of the calls, also in violation fdcp laws and guidelines, gave her my attorney name and contact number as we 'll. after I hung up with her XXXX was the name of the rep, she called or the company left another XXXX messages. This is harassment I do n't understand. This company calls and leaves messages XXXX to XXXX times a day I have proof as we 'll

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Homeowner XXXX XXXX, an XXXX year old widow, is being unfairly taken advantage of by servicer of his reverse mortgage, Financial Freedom. In XX/XX/XXXX XXXX , XXXX was approved for a Florida Hardest Hit Program ELMORE ( " Elderly Mortgage '' ) grant to pay off delinquent property taxes and property insurance that he fell behind on after his wife died in XX/XX/XXXX. This program grant paid Financial Freedom a total of {$37000.00} on XXXX XXXX 's behalf to cover the unpaid property charges. Of this, {$29000.00} was for past-due property charges that became due before XX/XX/XXXX and {$8000.00} was to be used by Financial Freedom to pay prospective property charges that would become due during upcoming year. The ELMORE Grant Award letter is attached to this complaint for your reference. The {$37000.00} in grant funds were paid over to Financial Freedom on XXXX XXXX 's behalf on XX/XX/XXXX. 

XXXX XXXX 's flood and property insurance policies both became due in XX/XX/XXXX. XXXX XXXX contacted Financial Freedom to make them aware of the upcoming renewals in XX/XX/XXXX. He followed up with his written request that Financial Freedom use the money that was paid to it on his behalf to pay for the insurance policies several times in XX/XX/XXXX and XX/XX/XXXX. 

Despite having more than sufficient funds and information to pay these property charges Financial Freedom has ignored XXXX XXXX requests and has refused to use the {$8000.00} to pay the property charges. Financial Freedom has misappropriated the funds it received on his behalf and refuses to use them for his benefit, as they were clearly intended for. Financial Freedom is effectively stealing money that it received for XXXX XXXX and apparently using that money for its own purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
My property was foreclosed on XXXX XXXX, XXXX. The status REDISPOSED back to the lender. The Judge said I am no longer responsible for the mortgage anymore. I am free from the debt! Now I have Real Time Resolutions trying to collect the mortgage debt from me after several years later. I explained to them that I was foreclosed and release from any debt from the mortgage. I do not own the property anymore and it went back to the lender. Experian would not delete account because the account has to be closed. I contacted XXXX and asked them on XXXX of XXXX the account is over 7 years old and needs to be deleted which I do not own this mortgage! XXXX the customer service rep said the Real Time Resolution is going to a positive status between XXXX XXXX to XXXX XXXX. Again I explained to him that it was giving back to the lender and why would I pay for something I do n't have. XXXX said it will stay positive in good standing section. Again I do n't own it and I ca n't buy anything with this showing a balance of XXXX which I do n't own. XXXX said they can not Re-Aging of the account, because its illegal. It will stay on your credit showing nothing. For it to completely come off the credit report Real Time Resolution have to closed the account. Its been over 7 years now and I like to purchase a house but I ca n't. Please help me with this situation ... thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: FL

Complaint narrative:
I requested a collection agency to validate and I only received a letter with dates which are not accurate. I need actual verification which was requested and not received. Please help assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I had an account with XXXX XXXX XXXX that was paid in full. I had in the past trouble with people using my information without my knowledge. I have contacted XXXX XXXX XXXX and had my account closed a few time. I recently received a notice in the mail from a debt collected stating that I owe money to XXXX XXXX. I told the debt collector that this is a fraud account in my name. I also stated with them that I had in the past a account with XXXX XXXX that was paid in full and closed. The collection agency stated that they will contact XXXX XXXX to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Concord Resolution Inc (Closed)
State: TX

Complaint narrative:
My place of employment received another phone call from Concord Resolution after being told not to call them so I called Concord Resolutions and spoke to XXXX XXXX XXXX. He stated that I took out a payday loan a few years ago but did n't say who the loan was with, how much I supposedly owe and after asking him to send me correspondence in the mail about the loan, he refused saying that there was no need to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I left because their was rodents and other insects in both places, that I made numerous complaints about. I do not owe any debts to any of these companies.

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 2016-08-09 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I was in prison at the time this account open in XX/XX/XXXXyou can look me up at XXXX.. I been XXXX since XX/XX/XXXXSo I was not around to open this account or somebody else use my IDLVNV FUNDING LLC is trying to collect {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: WA

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that their client " LVNV Funding LLC '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is LVNV Funding LLC and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about LVNV Funding and find that there is a ton of information on credit reporting websites that show this LVNV company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 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: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I noticed a debt from XXXX wireless on my credit report last year that 's in collections. I have repeatedly disputed this debt. I have informed them over and over this is n't my debt, that I have never had services with XXXX, nor lived at the address that 's tied to the account. In fact, I have never lived outside the state of Missouri in my whole life. Every time I disputed it, they sell it to someone else. It gets removed then put right back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09 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: AL

Complaint narrative:
Some dept collector company LVNV Funding with the name of XXXX XXXX XXXX XXXX. keeps calling and threatening to bring my credit score down. They claim I owe money to some credit card company. I was told my credit score would be brought down to XXXX. I was told could I could only receive the company I owed was if I gave them my social security number.

Company response to consumer: Closed with explanation