vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
Good afternoon, hoping you can get this removed from my credit report, it is saying I have all of these credit cards, and I do n't ... there are serveral removed ... first one names Imagine acc # XXXX paid as agreed, but is now under XXXX, so I want the Imagine off my report, because it no longer exist. also the same company is on my credit report twice with two different account number please remove one of them please remove both account # XXXX, also there is another two I need to please come off my credit report, name of the company is XXXX account number # XXXX. Please I hope you can remove all of these accounts main reason is because it is showing as if I have a lot of card. Please thank you XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Debt Collection Office posed as a process server and discussed my debt information with my Mother and Mother in Law both who do not reside with or have anything to do with this debt. They also calles my cell phone claiming the same info that they had papers they needed to serve me. When I called back the number the debt collector advised he would not allow me to let me speak with the " Process Server '' named XXXX XXXX who called all XXXX of us and discussed my business with others. I have saved voicemails from the so called process server left on my phone and the third parties phones. On my Mother voicemail the so called process server stated I listed her as a second contact, which I never did.

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 2015-09-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My mom had a living trust. My brother who had control of trust quitclaimed home back to mom and had her sign fir a reverse mortgage. She wasXXXX years old. Although of sound mind very hard of hearing and to frail to leAve home. Financial freedom was lender. They never inspected home. She did not have a picture identification so they took her social security card had her hold it under neck and took a picture. She was prompted to just sign do n't worry. My mom willed the house to me. She passed in XX/XX/XXXX. Several times I faxed will death certificate etc. To o them. Reached to o several city iprograms to resolve issue so I could patwo years of due diligence y them off. I received forevlosyre notice on XX/XX/XXXX that home was foreclosed and auction was XXXX. Again trued to reach out no follow up calls but XXXX. Telling me yo call back nect day. Never available. Letters were sent yo my mom her spouse the estate of my mom and XXXX brothers. I received nothing. I have 8 days before home of 58 years in family which is worth XXXX the amount of mone owef and financial freefim is still not communicating with me.they sent a bank representntive yesterday looking for ky mom. Two years of worry and they still can not get it right. I believe i should have more time while they correct information. I the owner have never been addressed. They are unethical if not down right criminald.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Vermont Student Assistance Corporation
State: OH

Complaint narrative:
My student loan was in default status. In XXXX of 2016, I started the process of bringing the loan out of default, by submitting payments and filling out the default application by Vermont Student Loan Assistance. I began officially in the program in XXXX. Every month the invoice came in and I paid it. In XXXX I began getting phone calls and received one letter indicating that I had missed a payment. When I was able to get out of work early enough to return their phone call, I discovered they applied the payment I sent in for XXXX in XXXX because it was TOO early. Thereby making it look like I had not sent in a payment for XXXX. Because of a change in finances and having my banking information breeched, I was unable to make a payment in XXXX. When I was able to make contact and explain the situation thoroughly I was advised that due to non-payment, I was being place BACK in collection and that I had to start the entire process over. 

I have been working diligently to pull this student loan out of default status and I feel that despite my due diligence and doing my best to work within their perimeters, I am being punished for unforeseeable problems. I live paycheck to paycheck and have worked hard to make sure that for the last 10 months the payments were made either on time or early and am being punished for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 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: CA

Complaint narrative:
LVNV/Resurgent is XXXX again continuing to violate the FDCPA requirements for validating the alleged debt ; the most important being the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ). My original Debt Validation Letter lists this request, as well as requests for a letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) and the exact calculations supporting the alleged debt amount. Again, they continue to ignore these XXXX specific requests. LVNV/Resurgent lacks sufficient information and belief in order for me to admit or deny this alleged debt. 
In addition, LVNV/Resurgent fails to state a claim upon which relief may be granted and that their claims are barred by the doctrine of laches and the principle of waiver. Until LVNV/Resurgent provides the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ), their basis is on a contract that is an adhesion contract and a contract that is illusory and therefore unenforceable. And where is the calculation of interest? The calculation stated in their response is usurious or based on a rate that is greater than allowed by law. 

I respectfully ask LVNV/Resurgent XXXX again to provide the XXXX specific items noted in this response and again following : - the original alleged creditor 's contract with my signature ( or at least a certified copy of the original contract ( certified by the original creditor 's custodian of records ) ) - the letter of assignment from the alleged original creditor ( evidence that the collection agency owns the alleged debt ) - the exact calculations supporting the alleged debt amountIn closing, I would like to publicly invoke the Doctrine of Unclean Hands as LVNV/Resurgent acted in a dishonest or fraudulent matter with respect to the dispute at hand in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 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: TX

Complaint narrative:
I requested a collection company to validate a debt which they have not and continue to report false information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: PENTAGON FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I was issued a {$50.00} prepaid debit card through a rewards program with Pentagon Federal Credit Union. The card expired XXXX with none of the money ever spent. I am now being told by the phone number on the card ( XXXX ) and PenFed rewards program ( XXXX ) that none of them are able to refund my money or issue a non-expired replacement card. The rewards card # is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
Collection agency is reporting to the credit bureaus as an open mortgage account. This is not an open mortgage account, they purchased a XXXX lien on a foreclosed property over 7 years ago. They are a collection agency and should be reporting as a collection not as an open mortgage account. Also date of last activity with original creditor is well over 7 years. Tried to dispute through the credit bureaus but they still will not fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
XXXX XXXX of Continental Finance did knowing know about my discrimination claim and failed to provide investigation report. Continental Finance has discriminated against me due to the color of my skin, by closing my account without validation, Also I want to file an alternative dispute but due Continental Finance polices, they have failed to file my request for arbitration. I will file a claim in Federal court under the Recovery Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC.
State: NV

Complaint narrative:
I WISH TO FILE A COMPLAINT AGAINST XXXX. DBA NEW AMERICAN FUNDING FOR UNETHICAL ACTIONS, RESPA VIOLATIONS, & BLATANT BAIT & SWITCH WHICH OCCURRED DURING THE PURCHASE OF A HOME IN XXXX XXXX , NV. ON XXXX/XXXX/2015, SET TO CLOSE ON XXXX/XXXX/2015. 

MY CLIENTS RELIED ON PERSONAL INTERVIEWS, LOAN APPLICATION, A CLASS ON REVERSE MORTGAGES & THE REPRESENTATIONS MADE BY NEW AMERICAN FUNDING & THEIR STAFF. 

ONE DAY PRIOR TO CLOSE OF ESCROW, MY CLIENTS WERE TOLD THAT THEY NEEDED AN ADDITIONAL {$16000.00} TO CLOSE THE REVERSE MORTGAGE. WHEN THEY CAME TO XXXX XXXX THE NEXT DAY, THE LOAN DOCUMENTS, WHICH ARRIVED AT THE LAST SECOND, CONTAINED NUMEROUS ERRORS & INCONSISTENCIES AND THEY WERE GIVEN NUMEROUS ESTIMATED COST SHEETS THAT WERE ALL DIFFERENT, GENERATED DAYS APART. 

THE LENDER, IN SPITE OF PLEADING FROM THE ESCROW OFFICER & MYSELF FAILED TO INCORPORATE THE TITLE COMPANIES FEES & COSTS INTO THEIR ESTIMATES & GAVE MY CLIENTS INCORRECT INFORMATION ABOUT THE AMOUNT OF MONEY NEEDED TO CLOSE THE TRANSACTION. 

IN GOOD FAITH MY CLIENTS WERE GETTING A REVERSE MORTGAGE, PUTTING NEARLY XXXX % DOWN, BUT COULD NOT GET TRUE COSTS FROM THESE PEOPLE. 

WE CHECKED AFTER THE TRANSACTION FELL APART & THERE WERE, XX/XX/XXXX, XXXX COMPLAINTS AGAINST NEW AMERICAN FUNDING FOR SIMILAR REASONS. 

AS A DIRECT RESULT OF THEIR ACTIONS, MY CLIENTS LOST THE HOUSE SURRENDERED {$10000.00} EARNEST MONEY TO THE SELLER, AND PAID {$3500.00} IN TRAVEL EXPENSES TO COME TO XXXX XXXX TO PURCHASE THE HOME. I WORKED DILIGENTLY FOR 18 MONTHS WITH MY CLIENTS EARNED THE XXXX % COMMISSION OF {$12000.00} AND LOST IT. TOTAL LOSS TO THE XXXX OF US - {$26000.00}. ALSO INCLUDING THE APPRAISAL OF {$450.00} AND {$400.00} FOR THE INSPECTION. 

THIS COMPANY IS A TRAVESTY AND NEEDS TO BE STOPPED REGARDING THESE EGREGIOUS PRACTICES. 

WE RELY ON YOU TO HELP US AND RESOLVE THIS SITUATION. WE LOOK FORWARD TO YOUR RESPONSE. 

THANK YOU,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX we filed Chapter XXXX Bankruptcy and walked away from our house because we were under water. In XXXX we finished the bankruptcy hearing and were in an apartment since XXXX XXXX. We never gave the keys to the bank because we were told that there may be programs that could help us save our house. We were denied for a couple of months until after XXXX XXXX XXXX we were offered a XXXX Modification. 
We then went through a series of 3 month trial payments that took 2 years to finally complete. XXXX of the things that the modification required was that we showed proof that our 2nd Mortgage was removed. IndyMac had our XXXX at the time and we had a balance of {$190000.00}. Thy sent a XXXX showing that the debt was charged off. This was enough to satisfy the modification and we were approved. 
Now we wanted to sell our house pay off the debt we currently have and relocate with a fresh start. Our house was in escrow when the title company discovered that IndyMac never removed their lien. This was a complete shock as it never showed on any of our credit reports and we were never sent anything in the mail and never received a single phone call. Even they said that it should be easy to get them to release the lien because they already sent the XXXX. 
I called CIT which bought IndyMac and they originally said that it should be all taken care of. Then they said they sent the XXXX in error. Then they back tracked and said it was n't an error and that I do owe them, unless I have a XXXX modification which should protect me and they could give me a lien release if I could show that it was a " performing '' XXXX which means that I have been paying and it is current ( which it is ). I sent them the loan paperwork and payment history. They said that should be enough and would send it in for review and we should have it all taken care of. Instead they called back the next day telling me that the pool of investors that my modification is in will not release the lien. All of the other pools of investors will release liens just not the one that I happen to be in. This is crazy and does not make any sense. I need to have this lien released so I can move forward with my life. If it is n't I am facing another bankruptcy because I can not sell my home with this lien ( it would have to be a short sale ). IndyMac got bailed out so technically they already got paid. Can you help me get this lien of my title so I can sell??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am currently being sued for a debt threw Lvnv Funding LLC for a apparent debt for a card XXXX a debt that I believe my ex wife took out in my name while she was a girl friend just be for we was married and I gave the attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX phone number XXXX XXXX XXXX the information of who I suspect committed identity theft along along with another credit card paper threw XXXX XXXX that completed an investigation and found no cause of me activation a card threw them and completing there investigation and closing it.Also with suspected ideas of how my information was found to be used from old XXXX tax 's forms and old job applications and they have yet to believe and insist to still proceed with sueing me I have also requested documentation for the activation of the card and something with my signature showing that I was then XXXX that has opened the account as proof that it was not me and it was someone using my information and they have yet to provide such documents so I request for a full and thoroughly investigation to help prove that I am a victim of identity theft please and thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I have actively attempted to activate my credit protection with XXXX since XXXX 2015 and have yet to receive neccassary paperwork. I have spoken with several agents and been promised over 4 call backs, to which I am still awawaiting. The calls have gotten to 6 per day and I tell every agent the same thing only to be told they will make a note and meanwhile my balance has gone from XXXX to over XXXX while I have consistently reached out to get this solved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Vermont Student Assistance Corporation
State: VT

Complaint narrative:
This is my 3rd complaint I 'm filing against the Vermont Student Assistance Corporation ( VSAC ). This is not a duplicate complaint, as VSAC asserted when I filed my 2nd complaint in XXXX XXXX. To note - I have escalated this matter to my State of Vermont Legislators and they were somewhat helpful. My emails reporting this matter to some members of the VSAC Board of Directors went mostly ignored. 

XXXX XXXX, the General Counsel for VSAC, has stated that VSAC will not allow me to utilize the remaining months of reduced payment forbearance that remain on my private student loan accounts. When I have inquired why not, he has provided the explanation that I have not provided a plan to make full monthly payments as " required '' for forbearances to be granted. When I have questioned this policy, as it was only this past XXXX that I was told by XXXX XXXX that I needed to submit a plan to make full monthly payments with my request for reduced payment forbearance, XXXX XXXX has dodged my question and to this date, has not provided a reasonable explanation as to why I 'm now just being required to submit a plan to have forbearances approved. 

On XXXX XXXX, in response to a letter I received, I did submit a plan to make full monthly payments starting in XXXX. To note, I had provided a draft of this same plan in a previous email, but it was ignored by XXXX XXXX. The plan provided on XXXX XXXX, provided an outline to resume full monthly payments, is based on my projected income vs. expenses for XXXX, and is based on being able to utilize all remaining months of reduced payment forbearance. XXXX response to this plan submission - which he requested - was an implied no that VSAC will not allow me to utilize my remaining reduced payment forbearance months left on my account. 

At this point, I believe that XXXX, acting on behalf of VSAC, is purposefully making things difficult for me because I have questioned his contradictory statements over approvals of reduced payment forbearances and pointed out his inconsistencies and delays to responding to my questions. I believe this behavior is not only unprofessional, but unethical. I have reported XXXX continued difficultly to his superiors - the President and Vice President of VSAC. To date, my emails to them have gone unanswered and I still have not received a reasonable explanation as to why I am being told - over a half a year in advance - that VSAC will not allow me to utilize reduced payment forbearances in the future even with a plan to make full monthly payments submitted.

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 2015-12-30 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: FL

Complaint narrative:
Company is trying to collect a false debt. Document was sent but appears to be false. I checked my credit report and it is not listed on credit report. Also, never had such an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 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: IL

Complaint narrative:
There is company on my credit report - LVNV Funding LLC reporting an account with the EXACT same account number that I submitted a complaint about earlier from XXXX XXXX that I do not recognize. I 'm guessing it is a collection agency but I do not know. It was reported XXXX and the status says " chargeoff or collection '' with a balance of {$2100.00}. I do not have anything with this account number not have I ever heard of LVNV Funding LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My father took out a reverse mortgage with Financial Freedom Mortgage, a division of OneWest Bank. The bank has foreclosed on the mortgage stating that he was not the primary resident of our home. They sent a process server to serve him with a summons & complaint but my father did n't have the capacity to understand due to him having XXXX and they said that they served me with the summons & complaint which is false. I was never served and their affidavit of service is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have repeatedly requested that LVNV Funding Llc provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation