vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Simon's Agency, Inc.
State: CA

Complaint narrative:
I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request. 

RE : Account Number : XXXX Balance : {$13.00} Original Creditor : UNIVERSITY XXXX XXXX / Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$360.00} Original Creditor : XXXX Account Number : XXXX Balance : {$200.00} Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$920.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : XXXX Account Number : XXXX Balance : {$15.00} Original Creditor : UNIVERSITY XXXX XXXX /

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Williams, Rush & Associates, LLC
State: CO

Complaint narrative:
Collector has called numerous times after being told repeatedly to stop calling. Now collector has automated calling system that calls daily. Collector threaten to revoke previously acquired government issued license. Collector has called family members threatening legal action. Collector and parent debt was never given family members phone # 's. Collector calls from different phone numbers each day. Collector has made repeated hard pulls on credit reports forcing score down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: CT

Complaint narrative:
This company has been calling my residence every day around noon to inform me of a bogus civil filing against me. They want me to call their number to pay. I told them to stop calling me with this nonsense. That if in fact there is a civil filing and law suit to send me the civil filing and I will have my attorney address the matter. I have not received anything in the mail other than harassing calls and unethical letters saying there is a debt but no proof of where this is from. I do not owe anyone or any company money. My credit cards are to date with their payments along with all my bills. I have also filled a complaint with the Federal Trade Commission and Consumer Protection Services and the XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
For the past year I have been working with a debt management law firm, XXXX XXXX XXXX. They have been negotiating with several lenders including XXXX XXXX. I know they have reached out and spoken with XXXX XXXX yet I am still being harassed by them. Most recently they obtained my former address and have been calling and mailing letters to this address. I know longer live at that address nor was I even living there at the time the loan was taken. I believe this violates my privacy. Also I have been receiving emails. I received 3 within two hours today. These emails claim that Dynamic Recovery Solutions acknowledges my promise to pay them $ XXXX amount of money. I have never talked to Dynamic Recovery. I send all there correspondence to my lawyers. They do not even have my bank account information and if they do then it was illegally obtained because I never gave Dynamic Recovery any of my information. I believe this to be fraud and shady business practices. In their email they are trying to be deceptive in getting me to sign an authorization form because they know they are not acting in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: TN

Complaint narrative:
XXXX XXXX, 2015 at approx. XXXX I got a robocall from an alleged debt collector from Dynamic Recovery Solutions. I 've never heard of this company nor do I have any debts. 

The robocall asked me to call XXXX. Suspecting a scam, I did not call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Chrysalis Holdings LLC
State: CA

Complaint narrative:
This is my complaint which i have also filed with the XXXX, MD Office. I have also sent a copy of the below complaint to my Congressman. They are not helping Vets they are lying to them saying you do not qualify for a 3.5 percent loan for cash out. When every other home loan company rates are 3.5 with cash out. 

I 'm writing this in hopes of warning fellow veterans to look into alternative Mortgage Institutions other than NewDay USA mortgage loans. After submitting required loan documents, I was pleased with the progress of the loan process until I received a copy of the Loan Estimate. NewDay USA gave me an interest rate of 4.2 and 4.7 when the prevailing VA interest rate was at the 3.50 percent. After receiving this information, I contacted XXXX other reputable loan companies and also filed for a VA mortgage loan. Shortly after I received both Loan Estimates, they were surprisingly lower at 3.50 ... Same credit, same loan amount, same loan duration. I was also told that the reason my rate was at the 4.7 was that i had take the XXXX percent financing, however when she looked at my loan she discovered that i was not taking XXXX but XXXX percent. So, she quickly change to another topic. 

I called my loan representative back from NewDay USA and asked why was my loan interest rate so high. The rep stated that the VA rates we carry are at the 4.5 level and if I wanted a lower rate, I would have to take loan without the cash out option. When pressed on the various details of their loan estimate, my rep became evasive. My loan was cancelled. Now i 'm currently in the process with a new company to obtain a VA Loan with the cash out option. The Loan Estimate i received with this company is at the prevailing VA rate of 3.50 %. 

My Fellow Veterans - NewDay USA seemingly pride themselves of having Integrity and promotes giving back to service members and veterans. However, please be careful and shop before trusting any company, especially NewDay USA. Please review your " LOAN ESTIMATE '' very carefully before signing closing documents. If your rate is substantially higher then the prevailing VA rate, " Do n't Sign '' those documents. 

The President, CEO, COO, and Board of Advisors should be ashamed of themselves for misleading VETERAN. Veterans expect more from a company that represents themselves as being the brightest military minds of our generation. Members who know the needs of veterans but instead of helping veterans they take advantage of them by charging outrageous rates for VA Home Loans even when the prevailing VA interest rates are lower. 

I believe this matter needs to have a congressional leader involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Chrysalis Holdings LLC
State: NJ

Complaint narrative:
I applied to NewDayXXXX who has TV ads that promise help for veterans. they turned me down for the same reason that all the other companies did. despite the fact that I have a high XXXX credit score, have paid my mortgage for 40 years, XXXX on time payments, substantial assets, and was asking for a mortgage that is 1/5 the selling price of my house. guess they do n't want to help vets that much!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dynamic Recovery Solutions, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX, a property in XXXX, XXXX was purchased using my credentials. When I learned of this, I immediately discovered all pertinent information about and had a police report taken in my township of XXXX XXXX, XXXX. Local police forwarded the matter to the FBI in XXXX and then they forwarded that to the White Collar Division of the FBI in XXXX. Many debts appeared from this fraudulent address of XXXX XXXX XXXX, XXXX, XXXX and all other matters were discharged ( I even sued a bank and credit reporting agency successfully since XXXX bank sold mortgage to a XXXX bank after I disputed the transaction ). Also, other debts using a false XXXX State Driver 's license were also undertaken, but all were successfully mitigated. Now, I 'm still getting harassed every few years over a XXXX XXXX for the same address. Dynamic Recovery Solutions calls me continually on my work cell phone ( a State of XXXX owned phone number for the record ) and my home phone number. I sent them a cease and desist letter on XX/XX/XXXX which USPS says was delivered to them on XX/XX/XXXX. I have received 2 calls since that time. Make them stop or I will sue. Since this debt is obviously over 10 years old, they have to stop also. I sent them in a letter to " XXXX '' my name and the phrase " Identity Theft '' to see that this was well published in many newspapers ( I even made the front page of XXXX XXXX ). I was also interview by XXXX XXXX and my situation was seen on XXXX nationally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: UT

Complaint narrative:
Made an initial complaint in XXXX regarding a credit reporting issue ( Complaint # XXXX ). Creditor issued a letter saying that they had fixed the problem and that the late payment would be removed. Problem was never fixed. I have now contested the item on my credit report ( XXXX ), and the creditor actually responded to XXXX XXXX that the late payment ( which the creditor claims to have had removed from my credit ) was *correct* and should not be removed.

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 2016-12-13 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: MD

Complaint narrative:
I XXXX XXXX file this complaint against a collection agency that acquired information on me from a situation I faced back in 2007. The original company called XXXX XXXX XXXX has lost all legal ability to collect on a debt that was never owed in the first place. My information was acquired through a debt collection pool that has been scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. Under the Fair Debt Collection Practices Act a debt of this nature must be 100 % validated. Fair Collections and Outsourcing has shown no proof of ownership or the approval to collect a debt by legal statute. The legal timeline if one was ever necessary has passed by this time. What Fair Collections and Outsourcing is doing is holding my credit report hostage, even though they have no right to attempt to collect on this credit item in the first place. I believe that this collection agency should be sanctioned for this illegal activity. Accordingly, I demand this extended collection be deleted immediately and permanently from all pertinent credit reporting agencies. This agency was required to show proof from the initial procurement of the collection. That right was never protected on my behalf. The maintaining of this collection on my credit bureau seriously violates the Fair Credit Reporting Act. I demand its deletion immediately!!!

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 2015-07-07 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: MRS BPO, LLC
State: NJ

Complaint narrative:
XXXX XXXX office representative made false statements, and when I disputed the debt originally it was dropped from my credit history. 4 years after this was done, XXXX XXXX is attempting to collect what they think is debt. A person authorized to repressent the company told me that I would owe a certain amount and that amount was paid, when a different amount was attempted to be collected I was told that it did not matter what that person agreed to. In New York State a verbal agreement is tantamount to a contract and as such is where they provided service. They have harassed me for the last 7 years to collect something that is not owed to them.

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 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
Central Mortgage Company ( CMC ) can not process my payment correctly. My monthly payment is {$3100.00} due on XXXX of month. I made XXXX separate payments from XXXX checking accounts, XXXX for {$2000.00}, the other for {$1100.00}, so the total adds up to my full payment. Both payments arrived on XXXX/XXXX/2015 on time, but CMC returned my payment saying it 's partial. The check they sent me for the returned payment is the full amount of {$3100.00}. I called them, and they 've confirmed their system ca n't handle the XXXX payments if they are separate even though both arrived on the same day. I do n't think their payment processing is up to the standard. It completely does not make sense to return my full payment in XXXX check and saying it 's not a full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Moved out of apartment due to condition of carpet from previous owners having pets ... contacted management on several occasions and was told I could move without any penalty!

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 2015-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I contacted LVNV in XXXX 2015 about this account. LVNV responded stating that the account and his trade line will be deleted on or before XXXX XXXX. However LVNV continue to report the account. I am attaching the document that LVNV sent to consumer Affairs about the account. However LVNV is still reporting it to the credit report agency

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV is a collection agency who is listed on my credit report. it claims to be a factoring company, however is also listed as a collection agency. The balance keeps changing. even though LVNV has been on my credit report since 2012 when it purchased the XXXX 's alleged debt, they are reporting as a 30 day late on my most recent credit report. 
The below is from a previous suit against LVNV. They are doing this same exact thing to me. 
#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as not in default. 

#. Defendant violated 15 USC 1692e ( by communicating credit information which is known or which should be known to be false, by reporting the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 10 ) by using any false representation or deceptive means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account. 

#. Defendant violated 15 USC 1692e ( 12 ) by alleging that the account was a " factoring company '' account resulting in the false representation or implication that accounts have been turned over to innocent purchasers for value. 

#. Defendant violated 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt by reporting the account as a " factoring company '' account to deceive current and potential creditors and to negatively impact Plaintiff 's credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
I had a joint Mortgage and got divorce The balance due on the mortgage secured by the land and building given the ex wife this is the " court order '' This happens XX/XX/2009. Now shows on the XXXX and experience credit report shows XXXX days let payment. This account belong to my ex wife. has to be remove negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
After obtaining a copy of my credit report I have found that my second mortgage is still reporting. The house was foreclosed on and the bank took ownership of the property on XXXX/XXXX/2012. The collection agency that is currently reporting on this mortgage is REAL TIME Resolutions. Attached are all the documents that I have pertaining to the said house that was foreclosed on, including the last letter I received from the collection agency. I need to make sure that this situation is resolved and the reporting is stopped to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC
State: IL

Complaint narrative:
them. I also want to have this so called lawyers office stop contacting me for good and to back office and I will let centennial finance know what I want and that is I want to have about two months to get the full amount of what is owed and that I will pay the amount in one payment but I want them to take me office of all XXXX credit reports and to put me in good standing and to give me a new card with a new deal because I did not receive a lot of statements at all.This is what I want and feel is a gooway for both sides to be happy.

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 2015-12-13 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: TN

Complaint narrative:
LVNV has done everything they can to my credit, They would open then close an open an account.my credit score was bouncing around from XXXX to XXXX over night when I found out who it was they were removed permanently. In the past I received letters that they were suing an then canceling suing an canceling..one day a letter came in they had retained a judgement, ,I have taken care of almost all bad credit on my report, ,I dint think they have done anything leagle, an they continually change their name an collection tactics..Is there anything you can do to help me..XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I filed Chapter XXXX bankruptcy and it was discharged this year. I alternative student loans what were initially with XXXX and then sold to XXXX XXXX XXXX were current prior to my bankruptcy. They did take payments through my bankruptcy. Now that my bankruptcy has been discharged I received a notice through Gurstel Chargo PA, XXXX XXXX XXXX, XXXX XXXX, MN XXXX. I sought my lawyer on this. I told the collection agency/attorney, that they need to provide documentation of the loans. They called me and stated that I these loans are nondischargeble due to they are student loans. I stated I know they are student loans but not Federal Direct loans. I told them they needed to communicate with my attorney. Now, They want me to pay upfront {$8000.00} to settle the account. I have an attorney XXXX MN. I have been working with him to try to work out something. However the collection agency will not seem to budge. 

I just got out of bankruptcy, There is n't bank out there that would loan me {$8000.00} to pay this off. Not to mention, these loans were bad from the start. You could barely track where they came from etc. They have been harassing my family prior to my attorney stepping in. I have done some research on these loans and they are so impossible to figure out. I dont even know if they have the correct information. The only thing they were able to located were the loan documents and some payment history. Now I dont mind paying on something, but why should I have to pay everything in a huge lumps sum? I cant afford that! That why I went into bankruptcy in the first place, to get myself out of debt, not back into it. Why should these loans even be in a default status?? They should be able to pay from where I left off. Im so frustrated with this. Im sure Im speaking all over the place. Please let me know what I can do or if you can help me with this situation. 
My name is XXXX XXXX, ( maiden name XXXX ). address is XXXX XXXX XXXX XXXX, XXXX, MN XXXX. My phone is XXXX and my email is XXXXXXXXXXXX Please help!! 

Sincerely, XXXX XXXX ( XXXX )

Company response to consumer: Closed