vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I was offered a pre-paid card from Continental financial, but was not interested in their services. They made an inquiry into my credit which has negatively affected my credit. They will not remove the inquiry and it has negatively impacted my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
I received a call from XXXX, from Oracle Financial Group LLC . He told me there was a case pending and that I would be served unless I set up a payment with him. He told me he could stop the person who was going to serve me if I made a payment by Friday. ( XX/XX/2017 ). I also received a call from someone claiming to be a " server '' and would go to my place of work to serve me paperwork. Out of fear, I did set up a payment for the XX/XX/XXXX for XXXX. When I asked for a validation letter, XXXX got very defensive and told me I was becoming unbearable to work with. He has also called me at my place of work and told my supervisor that I was being investigated for a bad check!

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 2015-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I started receiving correspondence from the bank in XXXX 2015 stating that I had overdraft fees. I immediately opened my bank statements online to find out what was happening. I noticed that I had charges from XXXX and XXXX XXXX. I contacted the bank and told them the charges were not authorized and that I did not understand why I was being charged overdraft fees from them for unauthorized charges. They told me to contact the companies and see if I could have the charges reverted back to my account. I was informed that if the companies refunded the charges the overdraft fees would be refunded to my account. On XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX refunded most of the charges. Today I called my bank to have the non sufficient fund charges refunded to my account and was placed on hold several times with the ending result being informed I would have to receive a return call. When the agent, XXXX, returned my call she said she had spoken with her supervisor who informed her to tell me that they would not refund the insufficient overdraft fees because the company had refunded the charges. I do not see how this is fair since this was not my fault. I followed the procedures that I was given my the agent in XX/XX/XXXX. The companies did reimburse. The bank is the one who allowed the charges even though I did not authorize the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX. I am a XXXX year old widow and surviving spouse of XXXX XXXX. 

We had a Reverse Mortgage but I was not on the deed, yet this was my homestead for over 35 years. 

I was forced into bankruptcy and finally given time by the courts to take my homestead through bankruptcy. 




My husband passed XX/XX/XXXX. It took Financial Freedom until this year to realizethat I was the surviving spouse although it was listed on the death certificate the entire time as I had mentioned. 




My home was flooded and bathroom damaged. I do not have a fully functioning bathroom. 

Mold is growing in my home because of this, The XXXX/Financial Freedom received theinsurance check in XX/XX/XXXX. I was told that I had to go through probate first. 

I wrapped that up in XXXX. I was told that the XXXX check was mailed out on XXXX XXXX via regular mail. 

As of XXXX XXXX, I have not received the {$2000.00} installment of {$6000.00}. I owe contractors because the job is more than the {$6000.00}, but I have started making payments on the difference. 




My home is making me sick and this matter has stressed me out beyond measure. 

I can not have my home refinanced without the bathroom completed. I have been trying to resolve this matter. 




I have spoken to numerous individuals in the point of contact department. 

I have spoken with XXXX XXXX of the XXXX have emailed his manager, XXXX appears as if I am intentionally being dragged out to wear me down towards the XXXX XXXX sale date. I do n't want to re-file bankruptcyI am contacting the OCC, AARP, The Florida Financial Office of Regulation for Insurance and anyone else who can help me. 




I am desperate. I live off of fixed income, my husband 's social security and I work to make ends meet. I am XXXX years of age and I need help. This is not fair to me. 




Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
THEIR WEBSITE IS NOT WORKING

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: MRS BPO, LLC
State: TX

Complaint narrative:
I was first made aware that I had an outstanding debt with " mrs BPO '' entity when it first appeared as a derogatory entry reflecting an outstanding debt of {$830.00} ; and after extensive research and number out calls I was made aware that this is an entity owned by and/or affiliated with XXXX XXXX XXXX. I then called XXXX approximately 8-10+ times over a period of 4 weeks, with each call having spent in excess of 30-90 minutes per call ; each time ending the call with a different promise from each representative that I spoke to confirming that they would be researching the debt, and getting back to me with a resolution. Despite these promises on numerous, separate accounts, I never received any follow up- by phone, email not by US mail to validate the debt. The only information that I was given during one of my initial calls with XXXX was that their claim appears to reflect an amount outstanding for equipment that was not turned in following the termination of my cable contract with them dating back to 2011 ; to which I made it clear that I was 100 % certain that I did in fact turn my equipment in at the earlier date to which they were referring. My issue with them notwithstanding their dishonestly and lack of cocern and follow up ; was that I wqs Never informed by any Means ( phone email not US mail ) of this alleged debt, and the first instance was almost 5 years following the date of their claim on debt, never once by the entity themselves ( XXXX or under the Alias mrs BPO ) ; but only on the instance in my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I am an attorney writing on behalf of my client, who has a reverse mortgage. He had been receiving regular monthly deposits to his bank account. His homeowner 's insurance lapsed by accident, the company placed forced insurance, he got his private insurance re- instated, and the company placed him on " repayment status '' for the period the forced insurance was in effect. So far, no complaint. 
The company claims this occurred a second time. It did not, but they have been withholding payments to him since XXXX, 2015, and he is now having trouble purchasing necessities such as food and medicine. 
I wrote to the company a month ago ( a copy of the letter will be attached to this complaint ), but the company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
In XX/XX/XXXX, opened share savings account and given membership number XXXX, and in XX/XX/XXXX, opened limited checking account. Someone hacked into my XXXX account and attempted to make purchases with my registered accounts in the XXXX system. With very limited funds in the mentioned accounts, of course, PenFed rejected these debits from the account. However, after multiple attempts/returns to the account, this Credit Union has assessed at least {$700.00} in bank fees. On XX/XX/XXXX, sent an e-mail on the consumer website through " contact us '' advising them of the issue and to reverse the charges. As of this writing, they have ignored my e-mail and have been negligent in noticing/contacting the member about these suspicious transactions on a new account. They should be investigated for the numerous erroneous fees that most likely are charged to the members of this Credit Union.

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 2016-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Marel Consultants Inc
State: PA

Complaint narrative:
Creditor contacted me on the XXXX XXXX, 2016. I told them I would need 30 days to verify the debt, which is an acceptable time as stated in the Fair Debt Collection Act, to verify the debt. I would then contract them on or before XXXX XXXX, 2016 to set up payment resolution. I was contacted again by the same creditor on XXXX XXXX, 2016. I explained again I would need to verify the debt and contract them on or before XXXX XXXX, 2016 to set up payment resolution. The creditor said they do not need to adhere to the Fair Debit Collection Act and I would need to contract them on or before XXXX XXXX, 2016 to set up payment resolution or they would pursue legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: NJ

Complaint narrative:
I paid this company {$1400.00} on XXXX XXXX, 2013 to settle a collection account with XXXX but XXXX is stating they never received payment for this account. I need a letter stating this account was paid off so that I can forward it to XXXX because it is hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. It is XXXX XXXX that owns both companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder to serve them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
After I enrolled in automatic debit for monthly payment, New American Funding debited XXXX payments for the XXXX payment from my checking account, once on XXXX XXXX and the XXXX on XXXX XXXX. The loan payments were not overdue and there is other legal basis for taking the XXXX payment. They applied the XXXX payment to XXXX even though I repeatedly asked for the money back. I did not authorize the taking of any extra money, just the payment due for XXXX month at a time. They refused to explain why the extra payment was taken and refused to put it back into my account the same way they withdrew it. This was an overdraft in my checking account. I have no resources to cure the overdraft, so my bank levied {$34.00} overdraft fees at least XXXX times + another {$10.00} for transferring my entire savings to checking even though it was n't enough to cure the overdraft. After pleading on the phone with their agent XXXX XXXX she told me it was arranged for the money to be put directly back into my account and gave me confirmation # XXXX. After 2 days, I contacted XXXX XXXX to tell her the money had not been deposited. She replied a check would be mailed on XXXX XXXX. New American Funding would reimburse a stop payment fee but not any overdraft fees. By the time that check arrives and I take it to my bank to put in my account it will be 3 weeks since it was taken. New American Funding cost me much more than the extra payment, I have multiple bank fees and expect late payment fees from various creditors who could not be paid on time. That alone impairs my credit record. I am retired and live on a fixed income that is just enough to cover my needs and put a little aside in savings, so without that money my family & I are suffering severe hardship we needed that {$1300.00} for food, utilities, fuel and other necessities of life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
XX/XX/2015 I was notified by my employer that my wages were being garnished by a company called Gurstel Chargo PA. I had no knowledge of any debt with this company or the Plaintiff, XXXX XXXX. I 've never been to court before or been sued so I was unaware of what I was supposed to do to fight it. This company garnishes my wages for the next XXXX paychecks, they took XXXX % of my check for a total of over {$1800.00}. In XXXX 2015 my employer sent me a " Notice to Discharge and Release Garnishee ''. I assumed that was the end of it and I 'd never hear from them again. On Tuesday, XXXX XXXX I received notification from my employer that the exact same company was garnishing my wages again for the exact same case number but for an additional {$150.00}. My employer called this company and told them that I had already been garnished, but they had not received the proper paperwork to send the money. I was told it must be filed in the court before the money is paid from my employer to the Gurstel Chargo. Gurstel Chargo stated that they did n't file their paperwork on time so they are refiling the garnishment, my work was to return the money to me and they would start over with an additional {$150.00} in interest from the last year because they did n't complete the paperwork in time. I went to the courthouse and filed a dispute and request for hearing, in turn having to pay {$230.00} to do so to fight this. I was never given notice of this " debt '' prior to the garnishment, nor was I given a chance to clear it up prior to them taking a huge chunk of my paycheck. I was never served with any documentation to prove such a debt or even notify me that I owed money and needed to pay it. To this day I still have no idea what this is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: CA

Complaint narrative:
this is not my debt and i will attach my police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Dear CFPB Representative -- I have never a response made by LVNV in reference to account XXXX, and have determined that this does not resolve my complaint. I XXXX found out about LVNV from XXXX credit reports in 2013. Resurgent/LVNV Funding, LLC has failed to provide legal validation or a dunning letter in accordance with Fair Debt Collection Practices ACT ( " FDCPA ). I am demanding proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased ; itemized with the interest, payments, credits, fees, and /or other permissible charges. I would like to have this account deleted from my XXXX credit report and I will also be filing a separate report with BBB. 

Regards,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I summited a dispute with all credit bueraus for Arvest Bank and they did not verify the debt. So credit bureaus did not provided verification of debt i am asking to have this removed off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I have sent notification to this trustee who is attempting to wrongfully foreclose on my property. By their filing of instruments they are in violation of the Equal Credit Opportunity Act ( codified at XXXX ) and the Fair Credit Reporting Act ( codified at 15 U.S.C. XX/XX/XXXX ). Trustor is exercising his/her right to conclude and inform you that your NOD Instrument does not constitute Notice and is invalid under California XXXX. Specifically, the legal sufficiency of the Filed Instrument is disputed and denied by Trustor. Because of this discovery we have demanded that the trustee cancel TS # : CA XXXX XXXX. To this date, and to our knowledge, they have failed to cancel the Trustee 's Sale. I believe that if any attempt is made to execute the Trustee Sale identified above, they will be acting with Notice of invalid Filed Instruments and of debt disputed by the Trustor. They have been so advised that, because of and consequent to this Notice of invalid Filed Instruments, Trustee Corps is exposed to full liability, jointly and severally, along with the Beneficiary ( s ) and/or affiliated entities for any damages that may, in the future, be awarded for filing false instruments, breach of contract, or wrongful foreclosure. A material defect in the NOD, such as gross misstatement of the amount in default, voids the sale, and the trustee may refuse to convey the trustee deed. XXXX XXXX XXXX Court XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX. The court in City of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX also stated that : " the purposes of the Recording Statute is to provide Notice ... whether valid or invalid ... if invalid instrument is filed, no Notice is given. '' The Trustors ' rights under both the deed of trust and statute are being violated by Trustee Corps. Trustee Corps was never properly and legally substituted as trustee of the subject deed of trust, therefore, you are statutorily prohibited from asserting any such authority. It is in criminal violation of XXXX. XXXX XXXX XXXX, Filing False Instruments. The Filed Instruments identified herein are statutorily defective and false. They were demanded to immediately remove them from the public record permanently and to cause Public Notice of such remediation to be effected immediately. After receiving no response from Trustee Corps, we mailed them a Notice of Default notifying the company that they were in default on their obligation to rescind the Notice of Default as demanded by the Trustor and were in breach of contract.

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 2015-12-18 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: TX

Complaint narrative:
XXXX and LVNC Funding LLC continues to place me in collections for debts that are not mine. The are now claiming that I owe LVNV Funding LLC for an XXXX XXXX XXXX XXXX debt, and I have never done business with XXXX XXXX XXXX XXXX. When submitting a dispute with XXXX or LVNC, the do n't provide proof. They send a letter stating that it has been verified, but no proof accompanies the letter. When I dispute a debt with the various credit reporting agencies, XXXX turns things over to LVNC or XXXX of their other companies or, visa versa. At this time, XXXX is trying to collect for LVNC. This is a never ending, vicious cycle and it has been going on for years. At this time the collection company contacting me is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The Client Account # that they assigned is XXXX. I am formally disputing this debt. I pray that they do n't send it to another XXXX of their many companies in an attempt to continue hassling me, in an attempt to get me to pay a debt that is not mine, just to make them go away, or so that they do n't ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Oracle Financial Group LLC.
State: NC

Complaint narrative:
They continue to call XXXX to XXXX times a week about a debt I do n't owe for a company that no longer exists. Then they threaten to take me to courtand get nasty on the phone. I told them to take me to court and quite calling but they continue to call, over and over.

Company response to consumer: Closed with explanation