vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-05 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: CA

Complaint narrative:
Received a call from a person stated his name was XXXX, ( XXXX ) XXXX, at about XXXX XXXX, on XXXX XXXX, 2016, with Fair Collection and out source. I asked why he was calling me at this late hour. This is when he stated he was attempting to collect a debt i owed. I advised him that under California Laws he should not be calling me at this hour. He was rude toward me. I hung up the phone. It should be noted after I hun up he called bace again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I was ordered to move from my apartment because of an issue with the complex. The property manager, XXXX, mixed up the information with the collection agency with the information of my neighbor, as she did when I moved in. It was a total breech of contract, because I never received the new appliances that were included in the lease agreement. She stated that I had to move immediately and no clean up cost would be added to my early termination of the lease agreement. Then she added a lot of cleaning fees and false information to the collections department. I can provide a written statement from the police officer that was in charge of handling my eviction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Advanced Call Center Technologies, LLC
State: PA

Complaint narrative:
I paid this debt down to XXXX $ and then they suddenly say I owe XXXX $ + dollars. I do not appreciate it and then just today I get a certified letter that says They will do legal actions on me by XX/XX/XXXX which is crazy for the debt I do not owe at all. I think they are trying to purposely due it because I owe nothing and did not until they started this. They purposely edited it and said I owed XXXX $ + They now expect me to call telemarketers numbers that I do not trust and talk about my personal information and they call like 10+ times a day. Which is very harassment fully. I did nothing to generate the amount at all. No one but them did it. I owed nothing at all on the card and such. They make you call things that are not even related to the debt and you talk to some company who does not state their name. Just some untrustworthy call center and the first notice they put they gave me a CELL PHONE number which means it is a fake debt because I know I owe nothing in 100 % honesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within XXXX days as required under the FCRA.

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 2016-09-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
We called the XXXX branch of First National Bank of PA and spoke with XXXX there. 
We explained that we needed {$8000.00} for hooking up to the sewage system that the city of XXXX XXXX had placed in last year. XXXX stated that the bank could extend the existing equity koan for another 6 years and it would increase the amount from {$150.00} that we have been paying to about XXXX. That was not a problem for the low income that we have to budget out. 
Then on XX/XX/XXXX XXXX contacts us to tell us that they want us to go back to putting money into an escrow again. Not only for the property taxes but also for the house insurance. That will make our monthly payments over {$300.00} a month of which the bank knows that it isw more then we can afford. My husband brings home {$2200.00} a month. Do they expect us to buy dog and cat food in order to eat? 
We are NOT remortgaging the house. We are trying to get an extension on an existing equity loan. We have been paying the property taxes and home insurance ourselves for about 10 years now. Then there is something about closing costs. 
We have other bills to pay. Electric, vehicle insurance, gasoline for my husband to get to work and we still have fuel to heat the house for winter. 
XXXX was told, on the phone, that we needed a " low income loan ''. This is her and the banks idea of a " low income loan ''? 
And to inform everyone, I have not called the bank because nothing ever gets done correctly by those that operate the XXXX branch. 
Someone explain to me how something as simple as extending an existing loan turns into almost another mortgage loam that we did not ask for? I should have gone with using another method of paying for all of it IF I knew that the bank would again XXXX. 
I have all the print outs from the bank and will provide copies of them if they are needed for this complaint. Heck, they do n't even have the assessment correct for the property or the house. 
I need something done before XX/XX/XXXX as tnat is when XXXX has it scheduled for my husband to sign the papers. NOT typing in what I told him about that. 
Plain and simple! We can afford that {$170.00} a month but we can not afford over {$300.00} and still be able to pay other bills or buy enough healthy food and heating fuel. 
We need help from outside the bank to solve this problem. 
Ifwecannot get a loan that we can not afford, I will simlpy call the City Treasurer 's office and tell them to contact XXXX and let her explain how things got screwed up since they said to contact her in a letter that the city sent out.

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 2016-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Vermont Student Assistance Corporation
State: WA

Complaint narrative:
I attended college, earning a XXXX degree back in 2001. I 've been making payments on my loans ever since with the exception of a couple periods of forbearance when I was having a hard time financially. It is now 15 years later and I am still making my monthly payments on time every month ( $ XXXX/month ) and my total balance is INCREASING due to interest. I can not afford to make bigger payments and every time I call the company, they will not help and threaten to take the money from my paychecks if I stop paying. I 've never threatened to stop paying. I just want the obvious problem fixed. I think that most of my loan could have been paid off by now. I have suffered immense stress over this issue. I can not save for retirement and every month that I make a payment is like throwing {$290.00} in the garbage. I feel that this is a case of predatory lending. PLEASE HELP.

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 2015-03-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: RI

Complaint narrative:
I never took any loan out, ever, from the company they alledge has hired them to collect the debt. They say I authorized a loan XXXX 2011 from " XXXX payday loan ''. I have never done so. They claim to be " concord resolution inc ''. The man would not let me question anything, talked over me loudly and rudely, and knew my social, which he said in its entirety over the phone. They also had an old address and the bank I belong to. I was threatened if I didnt pay XXXX in 10 days that my wages would be garnished and I would be taken to court, where a judge would impose my delinquint balance at 300 % interest and I would have to pay their attourney fees and court costs. He also threatened that he has " the best attorney '' so good luck contesting this. Im absolutely freaking out right now. I hung the phone up on them and never received a call back which makes this more suspicious than it already is. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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: TX

Complaint narrative:
Debt collector calls almost daily indicating they are going to sue and this your " last '' chance to resolve. Debt collector indicates suit paperwork is in the mail. Debt collector calls relatives and neighbors. Debt collector continues to call after being asked repeatedly to stop communication. Debt collector is attempting to collect ( and threatening to sue ) on a debt that is over 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: VA

Complaint narrative:
I bought a vehicle in XXXX XXXX, which was financed by Tidewater Finance Company. I had misgivings about the purchase and I knew it would be a very tight budget situation, but with the salesperson 's coercion, I purchased the vehicle. In XXXX XXXX, I wrecked the vehicle in a parking lot and I was responsible for the deductible to have the vehicle repaired. I was unable to make the payment for the deductible AND my car payment at that time, so I did what I had to do and paid the deductible to have the vehicle repaired. From that point forward, I have been late with my payments. I have kept in touch with Tidewater throughout all of this, but I have n't been able to catch my payments up and with some other unexpected debt, I have n't made MONTHLY payments on a regular basis. I filled out an online request to work out a payment arrangement, but I was told that the loan was too new to work out a payment arrangement, however, they said they wanted to work with me. I have been trying to make some form of payment each month, but have n't been able to make any full payments. I do, however, see my way clear to make up the past due amount on XXXX XXXX. I was in contact with Tidewater Finance on XXXX XXXX and XXXX, both by email and by telephone. They were so rude and nasty to me and have been ever since that I do n't even want to deal with them anymore. I have refused to contact them anymore other than by email. I have attached a copy of the email telling them that I am not comfortable talking to them and prefer to communicate via email so that I have a record of our communications as well as them having a record. They keep sending me text messages and emails telling me that I have to call them and that they want to work with me, however, everything that I have told them I can do has been turned down. Immediately after they turn down what I can offer, they send me another message telling me that I have to call to speak with management about an arrangement. They never let me talk to management, or rather, every rep I speak to tells me she is an account manager and every one of them have been so rude and nasty. I have made what I feel like would be a doable offer, and that is to pay all of the past due amount, on XXXX XXXX, but they wo n't accept that and they said, basically, that I should be able to do better. I am attaching email communication which I believe explains a great deal more about the way I have been spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
I paid off XXXX of my credit cards. I also cancelled the same card. At least a month later I received a call from that credit card telling me I did n't make a payment. I told that person I paid it off and cancelled it. I was transferred to several different people. I was shocked at the way these people had no idea what was going on. I was told that there was a purchase made after I paid the card off. I informed them it was n't me and the charge was made in another state. Each person I spoke to told me something different. They did not resolve this problem and I am still receiving calls from this company. It is also showing on my credit report that I am over my limit. I am totally disgusted with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I did a reverse mortgage back on XXXX XXXX XXXX. With A company call Financial Freedom which is a reverse mortgage specialist. they say they placed homeowners insurance on my home on XXXX XXXX, XXXX thru XXXX XXXX, XXXX had placed my own insurance on my house thru State farm on XXXX/XXXX/XXXX and is still paying it today. I have forwarded all my info to them including my health documents and my age being XXXX. Now they are trying to foreclose on my home saying I would n't pay when in fact I was paying XXXX monthly then all of a sudden the payments started being returned back to me. Now they do n't want to accept a payment plan from me at all so therefore I am filing a complaint against this company. I placed my own insurance on my property at the time of the loan with XXXX, then at the time of renewal they would not cover the house due to the age and structure of the house. This was XXXX thru XXXX. I got my house totally repaired and placed insurance on it XXXX XXXX thru today. I made payments to financial freedom until the monies owed on the insurance was paid back and they started sending the payments back to me. this is what as explained to my daughter XXXX XXXX XXXX, who is on my account to talk on my behalf. at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
This was an old debt that I thought was discharged. I am currently behind in my first mortgage and trying to solve this problem. I called and offered to settle this debt for {$3000.00} and they said minimum was {$6600.00}. I said ok and now they say they want {$86000.00}. I do n't want home to go to foreclosure or me having to file BK.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: MD

Complaint narrative:
i requested a copy of my entire file, including the notes made on my file in order to audit it, I believe that the fees I was charged at closing were not consistent with the actual amount paid to the agencies. After my first request, I was given only the note, mortgage, and cd ( which they referred to as the XXXX, obviously incorrect since I closed long after TRID ) I rerequested my entire file, asking to include everything pertaining to my loan with them, and I have gotten nothing. I am now locked out of my login for their website, which says it sending me an email with a secure code. The code takes about 8 hours to get to my email and then doesnt work. I have no access to review my file and I have not been provided the documentation I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: OR

Complaint narrative:
I received a letter in the mail stating I owed {$5100.00} for a loss that occurred on XXXX/XXXX/15. The letter is from Afni Subrogation Department and states it is on behalf of XXXX. It states the insured 's name ( which is not mine ). Enclosed is a payment coupon as well as a form to fill out my insurance information. They also list all of the consequences of not responding to this collection. I do not know who this insured person is, nor was there any incidence that involved me on the above date, or any date for that matter. I have never been involved in any matter with XXXX. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My bank issued an overdraft statement from my checking account at Bank of the West in 2011. I called the Bank of the West and told them their was an error. They told me that the amount I owed was credited to me and I did not owe them any money and that the error was corrected. By mistake, they then sent the original amount I owed of {$360.00} to a collection agency. I called them and sent them a copy of my bank statement showing the credit. I phoned the XXXX and they told me they do not negotiate any debt no matter the circumstance. I ask that you investigate their collection practices and have them remove this item deleted from my credit report. I ask you to publish these results and publish the name of the XXXX XXXX XXXX under scam public knowledge. I have included the copy from the bank showing the balance was credited before it was sent to a credit reporting agency.

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 2016-01-11 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: AFNI INC.
State: AL

Complaint narrative:
I attempted to acquired XXXX as my TV and internet service provided for my apartment at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX. My apartment complex is an XXXX XXXX XXXX connected community and thus can not have XXXX XXXX. I was sent the equipment and then was told that I could not receive service. I returned the equipment via XXXX as requested. The account was closed with a zero balance two-three days later, because it was within the 30 day money back guarantee. XXXX decided to sent a debt collection agency, AFNI, INC. to collect {$41.00}. This is wrong because I can not be charge for a service I have never had. The service was never even activated, because the address was not serviceable. I have attempted to contact AFNI, Inc. but no one will answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NATIONWIDE ACCEPTANCE LLC
State: IA

Complaint narrative:
My finance compny calls, e from multiple numbers at least 8 times per day. I have told them my situation and they threaten that the calls will not stop. I am only 30 days behind. They are rude and crass. They threaten me constantly with legal action after I tell them I do not have any money to make the payment. I then get several more calls on the same day even when I tell them when I will have a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions Bank has charged me {$140.00} in overdraft fees on my checking account despite the fact that I only went over {$3.00} and I had {$900.00} in my savings account at the time! I 've been banking with Regions for 15 years, but I 'll be closing all of my accounts within the next week. It should not be legal for them to do this to people.

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 2015-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC.
State: MN

Complaint narrative:
XXXX was placed in my bankruptcy but it continuing to show as a debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
this is concerning case number XXXX with CFPB which was the original complaint in XXXX 2014. This case was resolved with Regions agreeing to update the XXXX credit bureaus that the loan XXXX that I pay XXXX/mo on an agreed monthly basis and was not written off or have I ever been delinquent on a payment as was showing on my credit report. As of XXXX XXXX, XXXX and XXXX are still reporting this loan to be " charged off '' and delinquent. XXXX XXXX appears to be updated as this negative comment has been removed from their report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief