vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NE

Complaint narrative:
I opened a joint-owner credit card with the Pentagon Federal Credit Union in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} XXXX XXXX in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and XXXX and PenFed came back with both credit limit as correct and the account is still open. When I called PenFed, they agreed the card was closed but refused to correct their mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Utah System of Higher Education
State: NV

Complaint narrative:
In XXXX of XXXX I submitted a consolidation application and selected XXXX as my loan servicer. At the time all but XXXX of my loans were being serviced by XXXX. Those XXXX were being serviced by ACS. XXXX processed the application and they tell me that they sent payment to ACS on XXXX XXXX, XXXX. ACS has informed me that they transferred my loans to XXXX on XXXX XXXX, XXXX. XXXX now says that those XXXX loans are in repayment and have not been paid. XXXX tells me that they have not received the returned payment they made to ACS and can not, therefore, proceed with the payment to XXXX. ACS informed me today that they received payment from ACS but because the loan was already transferred to XXXX they returned the payment, but that they show that it was returned to XXXX XXXX Servicing, with whom I have never had an account. They tell me they will investigate but I was told on XXXX XXXX by a XXXX representative that they would investigate and take care of the situation. I 've been waiting for almost a month but the consolidation has not been completed I am repeated told by all XXXX servicers, XXXX, ACS, and XXXX that they are waiting on something from the others and it will be taken care of if I 'm patient. But that 's simply not true and it would never have made it to this point without my persistence.

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 2016-03-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION
State: AK

Complaint narrative:
I had a mortgage with Pentagon Federal Credit Union with a balance of approximately {$130000.00}. I applied in early XXXX for a re-finance in the amount of {$160000.00} on an adjustable XXXX rate mortgage and stipulated a Title Service company here in Alaska as my choice of service. After the loan was approved and scheduled for closing - I was notified at the last minute another Title company would service the loan. I objected ( by email ) because it would cost more - they said they would lower some fees to make up for it and they did ( but not for as much as promised initially - again by email ). 
Also questioned why we are paying {$1000.00} for an appraisal that cost {$700.00} ( which is why we wanted to choose our appraiser and Title company ) basically told verbally by " XXXX '' it was a service fee tacked on by XXXX (?? ) Signing was scheduled at our home for XXXX. Prior to that I requested copies of all documents we would be signing. I asked more than XXXX time by email. 
From XXXX XXXX we received XXXX different disclosures. 
We signed on XXXX and was told funds would be available on the XXXX - then the XXXX ... 
Was given an electronic deposit tracking # and told was made n the XXXX after XXXX. 
As of today the XXXX still no funds after repeatedly requesting by emails starting XXXX As of today no accounting received for our request for clarification of " changes '' we were told would result in funds received As of today we have not received ANY copies of any documents we signed. 
Emails attached along with copies of documents sent to us.

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 monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named PINNACLE LLC / RESURGENT with address XXXX XXXX XXXX, XXXX, SC XXXX with telephone number ( XXXX ) XXXX. And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX. Where I at no time authorize XXXX XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including PINNACLE XXXX Therefore I need PINNACLE LLC / RESURGENT to erase my information from their records and stop trying to collect the amount of XXXX since I never sign any contract with them where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see the obligation to take legal action, since in the past I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
I received and attached XXXX separate letters from NationsDirect Mortgage credit research department ( dated : XXXX/XXXX/2016 & XXXX/XXXX/2016 ) verifying that my mortgage account was never late throughout the entire period my loan was serviced with them, however Nations Direct is wrongfully reporting to your credit bureau initially XXXX 30 day late on credit report submitted ( dated : XXXX/XXXX/2016 ), and since submitting the dispute with the credit bureaus my new XXXX report & XXXX report # XXXX ( dated : XXXX/XXXX/2016 ) is now inaccurately reporting XXXX 30 day late remarks by NationsDirect Mortgage, XXXX has corrected the error in derogatory information. I have requested to both XXXX and XXXX to correct all of the inaccurate derogatory remarks from their reports, as NationsDirect Mortgage has verified completely that my mortgage account was never late during entire servicing period.

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
Consumer complaint received 2016-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
This company is absolutely the worst mortgage company ever. I accidentally overpaid in XXXX, I realized immediately what I had done, contacted them, and they proceeded to drag their feet, then promise a refund, drag their feet some more, then say they did n't owe me a refund, charged a bunch of fees with no explanation as to what they were for, charged late fees even though they know they had an extra month 's payment, finally admitted yes they did owe me a refund, gave it to me in XXXX, but are still insisting on collecting fees that I do n't owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Union Credit Corporation
State: GA

Complaint narrative:
the Doctor bill or paid but they are sending a bad reports to XXXX credit agency

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I became friends with a gentlemen I met on XXXX, who explained he was a XXXX over in XXXX XXXX. After we had talked for a couple of weeks he asked if I would help bring him home early for the holiday ( XXXX ). I asked why his family was n't helping him, and he said that his father had died in service and his mother recently in a car accident. I felt really bad, so I asked what I could do to help. I told me that he needed to transfer {$3000.00} into my bank account so that I could then send it to his agent in Texas. She would then send him his ticket home. I know nothing about the military, but have always wanted to help in some way. I felt I was helping this man ( he went by the name XXXX XXXX ) get home and out of harms way. So he then, asked for all my bank info and assured me that it was his money going in there for his ticket home, and all I had to do was wire the money to his agent in texas. He even sent me a picture afterror the {$3000.00} was transferred into my account. The next day I wired {$1500.00} ( with transfer fees it came out to a total of {$1600.00} ). That was the max amount, because then my bank account was frozen. After the money was sent XXXX XXXX stopped talking to me. When my friend looked him up on XXXX, he had several new accounts. I sent an alert to XXXX that the accounts were fake, and they were then taken down. Days later the scammer was back up on XXXX and you can find him there today. The next day I received a call from the fraud department from my bank telling me that my bank account was drained. I went into my local branch, unfortunately the man I had never dealt with fraud before, and was confusing me. After I explained the situation to the bank, I then went and filed a police report as well, like the bank requested. I was told that my bank account would only be frozen for 10 days. Then First National Bank increased it to XXXX. ChecKS bounced, I could n't cash checks, and now they are telling me I have to pay all this money back! 
I was scammed, I do n't even make that much money in a month! I thought I was trying to help someone, and now I 'm the one paying for it. That is not right.

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 2017-04-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Oracle Financial Group LLC.
State: GA

Complaint narrative:
A XXXX form Oracle Financial group call me and my XXXX sons and threatened me with a law suit if I did n't pay a debt that was discharged in my bankruptcy. She demanded that I give her my credit card to pay the debt or the police would be at my door. I hung my phone up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC
State: DE

Complaint narrative:
My account has been delinquent for a couple of months. As I was trying to see what to do to settle the account, I realized that the minimum payment is {$310.00} while the amount due is only {$690.00}. There is no explanation as to why the minimum should be almost half the amount due. I want to be able to settle the account but need them to give me a reasonable minimum payment and explain how they calculate their minimum when payments are missed.

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 2016-03-20 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: IL

Complaint narrative:
After exercising my right to legally terminate my lease, XXXX XXXX XXXX has put a collection against me for XXXX. They hired Fair Collections and Outsourcing who still has a collection against me that is effecting my credit score and almost cost me my chance to rent an apartment. They have also put this collection on my former roommates credit, as well as her co-signer 's. 

Clearly the allegation of debt is BOGUS, for not XXXX, but two reasons : ( 1 ) If apartment was re-rented in XXXX, the only rent we could possibly owe, if owed at all, would be for XXXX, which was {$1400.00}, NOT {$4400.00}. And ( 2 ) we legally terminated the lease, irrespective of re-rental, effective XXXX XXXX, 2013, as explained in full in your letter, dated XXXX XXXX, 2013. 

We 've sent them documentation in 2013 which contained the law that our former landlord broke that legally released us of this debt ( such as work work they refused to do to keep our building safe - like faulty lights and electrical outlets, plus the law they broke about rerenting our apartment once we left which then releases us of any debt. ) In XXXX of 2013 they wrote in the letter that we had 30 days from receipt to dispute the validity of the charges. We called their service department and was asked to e-mail documentation to them to support our cause. We never heard from them from that point. 

I request that you investigate these chargers and ask them to remove these faulty claims. We worked with the XXXX XXXX XXXX and they have all the documents that support our case. XXXX did not take us to court as they threatened but we will happily do so if these charges are not dropped.

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 2017-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
Someone continues to call me from a company called Oracle Group. She originally continued to call me XXXX. XXXX is my middle name but she continued to reference it as my last name which led me to believe this could be a mistake. This person calls both my work and cell phone numbers and is very rude and aggressive. She gives the name of XXXX and can be reached at XXXX. She has called me from XXXX and XXXX. When I ask for her to send me something written so that I can verify what she is describing before speaking with her she refuses to do so, tells me the call is going to go how she wants it to and that she 'll only send me something once we 've reached an agreement and then eventually she hangs up as I continue to repeat I 'll only speak with her if I can see something in writing first. She is very mean spirited and refuses to provide me with any kind of written information. She initially said she would email me but then changed even that and said only under her terms would it go and that I was trying to control the call and that 's not how things worked. She then threatened to call my supervisor 's at my job and to send them a POE ( but would not tell me what that meant ). I will not be bullied into provided my personal and financial info over the phone to someone who will not send me anything in writing. It is extremely unprofessional and condescending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I have a Matrix MasterCard from Continental Finance ( initially it was a XXXX XXXX ). I mailed my payment ( money order ) for XX/XX/XXXX on XX/XX/2015 at my post office. The payment was due on XX/XX/2015. Continental Finance did not receive the payment until XX/XX/2015. Continental Finance called me XX/XX/XXXX to tell me that they did not receive my payment on time. I told them the date I mailed it and that it should not have been late. I also told them that I would have the XXXX track it. I asked them to waive the late charge as my payment history was. Excellent. They agreed to do this, however my next statement showed that I owed them {$95.00}. I called them again on the date I received the statement to find out what this was about. They said it was a charge for being XX/XX/XXXX ( {$35.00} ) another {$35.00} because I did n't pay the first charge plus the {$35.00} that was due for on XX/XX/2015. I told them that I wanted to speak to a supervisor who insisted that I had to pay the late charges. I told her that I felt this was not legal and that I was unable and unwilling to pay these excessive charges. I had already submitted the documentation from the post office who had traced the money order and who explained to me that the payment was late as the Usps trucks their mail and does not fly it and that due to the ongoing snow storms their trucks were not able to move the mail. ( I forgot to tell you that I had closed this account several months before as they began charging me {$12.00} a month as a fee after you have the card for a year ) I received a later from their corporate office stating that the late fees they were charging every month would continue as it was their policy. I refuse to pay this and they have been calling me several times a day. Can you please advise me what I should do. I would sincerely appreciate any help you can provide. Also I feel that continuing to make payments to Continental is futile and a waste of my money. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 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: FL

Complaint narrative:
There is a very old account still listed on my credit file which is past the 7 year mark. I have disputed and requested verification and nothing has been received. This is not accurate and should not be listed. The original creditor even has removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC.
State: TN

Complaint narrative:
XXXX XXXX FROM ORACLE GROUP CONTACTED MY PLACE OF EMPLOYMENT SAYING HIM AND A FRIEND XXXX WOULD COME AND ARREST ME AND IF I DIDNT GO WILLINGLY THEN THE WOULD TAKE ME DOWN WITH EXCESSIVE FORCE .XXXX THEN PROCEEDED TO INSULT ME SAYING I DONT HAVE INTERIGRITY AND MY MOTHER SHOULD NOT HAVE A SON LIKE ME AND HE WAS GOING TO KEEP CALLING MY JOB UNTL HE GOT ME FIRED BECAUSE A PERSON LIKE ME DOESNT DESERVE A JOB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I had XXXX XXXX never used its being reported twice on my report I never got any support docs to show anything about these cards

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This company has a debt on my credit report that is n't mine and keep readmitting it. I 've disputed it several times and its hindering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Under Federal Law I have the right to bring to your attention errors regarding my loans and servicing of them. I have done that and CIT has sent me an incomplete accounting regarding these HELOC Loans. See attached letter to CIT XXXX. As of this date I have not received the requested information to fill in the missing accounting gaps. 
CIT is in violation of Federal Banking Laws and continues to fail to produce the documents requested. They also have not reimbursed me the funds regarding check # XXXX {$50000.00} twice for a total of {$100000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: PA

Complaint narrative:
Stating on my credit report that I " Remarks : & gt ; SETTLED-LESS THAN FULL XXXX & lt ; ; & gt ; PAID COLLECTION & lt ; '' I have never paid this company a dime of my hard earned money for a account that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I obtained a credit card from XXXX bank and due to unforseen circumstances the credit card went unpaid and eventually the debt was sold to a collection agency. This credit card was opened more than 7 years ago and it is reflected as negative information on my credit profile. According the Federal Trade Commission no debt can be reported if it is more than 7 years old and in this case it fully applies. I have written directly to the collection agency and they are LVNV FUNDING LLC and they have refused to reply to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: AR

Complaint narrative:
Debt went through foreclosure. Debt is more than 7 years old. Instead of company removing from my credit report. Company keeps selling debt to " other '' companies and putting it back on my credit report as a new debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a bill from this company LVNV Funding regarding a debt, they are contacting and stating to file judgment against me in 30 days and I can not recall having this debt! How old is it? And who are they?? I reviewed my credit report and the debt does not appear on it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
My mortgage company underestimated property taxes by a large amount. As a result, my payment has increased by approximately & XXXX due a an escrow shortage. This took effect at the beginning of this year

Company response to consumer: Closed with explanation