vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I received a call today from a XXXX XXXX ( name given but most likely not the real name XXXX to my number at XXXX CST on my work paid cell phone on a work day. The woman asked for someone who was not me. I told XXXX " XXXX '' that I was not this person and asked for the name of the company she was calling from since they were calling my work cell phone and calling for someone who is not me. 

" XXXX XXXX '' did not answer the question of " what is your company name/where are you calling from '' which I could see was XXXX she ignored me and asked " do you know XXXX ''. I in turn did not answer her question for many reasons:XXXX This is obviously debt collection for someone else which is none of my business nor is it within privacy laws to provide. 
XXXX. The answer was quite rude. 
XXXX. With all of the scams and security issues surrounding personal information I would not give out any information on myself or another person to begin with. 
XXXX. I am not on that company 's payroll and am not being paid to provide the collection company information on someone they pay people to contact. 
XXXX. The company 's employees should use their other forms of contacting people they are after, which large amounts of uncollectible debts are bought anyway to scare people into paying with uncouth and threatening tactics even if they are past their term or statute of limitations. 
XXXX. These tactics are against the Fair Debt Collection Practices Act. 

The charade continued with " XXXX XXXX '' when she asked again if I knew xxxx, and I in turn asked her more sternly and concisely each time she would ask her question listed above and refuse to answer mine " What is the name of your company '' ... which she is required to disclose. This went back and forth about XXXX times more. Then she tried the typical rhetoric of " well you are saying you do n't know her but I am calling you on this number '' and then stated that it was Portfolio Recovery Services. I promptly stated I would be contacting the Consumer Complaint Bureau thank you '' and she continued to talk and say " that 's fine ... '' and I hung up. 

I am tired of being harassed by people such as this for people that I WILL NOT give any information about, known or not known, due to the reasons listed above. 

I suggest that XXXX XXXX and her direct reports come up with another form of communication other than rude collectors and failed business practices. Until that time happens leave me out of it and do not call my phone again - leave it off the list and remove it from the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I CHECKED MY CREDIT REPORT TODAY AND I HAVE A NEW ACCOUNT WITH THE COLLECTION AGENCY PORTFOLIO RECOVERY. I DO NOT HOW THEY ARE REPORTING THIS. I WAS NOT GIVEN THE RIGHT TO DISPUTE OR ANY KIND OF INFORMATION FROM THEM BEFORE THEY STARTED REPORTING THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
A company called Portfolio Recovery from XXXX Virginia has repeatedly called me about a debt that did not belong to me. On XXXX call they told me it was about a XXXX charge account. I told them they have the wrong person and that I have never had a XXXX account of any type. I have told them multiple times this debt does not belong to me and have asked them to stop calling me and to not contact me again. They have called XXXX times in the past several months, starting in XX/XX/XXXX and continue calling, despite being told not to, in opposition to the federal Fair Debt Collection Practices Act ( FDCPA ). I have also notified them that I am on the National Do Not Call List and I do not wish them to call me again. In the month of XX/XX/XXXX alone, I have caller ID records indicating they have called XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. This has been ongoing for the past several months, despite my telling them multiple times not to call me and that they have the wrong person. They said they are an authorized debt collector in Virginia and that in order for me to stop them from calling, I need to write to them at a XXXX XXXX they provided and send them my social security number. I told them I would do no such thing and that under Federal Law they must cease calling me now that I have asked them, more than once. I asked for a Supervisor and repeated my request, and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I received a call from a company called Portfolio Recovery Associates claiming that my wife had a {$1900.00} debt from XXXX XXXX and they immediately asked how I would like to begin paying it. My wife has never had her own credit card, she uses my credit card, and I have never had any dealings with XXXX XXXX. They actually send me credit card offers consistently but I discard them. They never provided any evidence for this non-existent debt and were clearly trying to extort money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XX/XX/XXXX I learn of a collection being reported by PINNACLE LLC C/O RESURG. Not having any business with them I call to learn what it 's about and after multiple calls the only thing I learn account was sold to XXXX. So i call them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced PINNACLE to reveal a supposed original debt with XXXX XXXX. Now after this investigation information about the account is being manipulated such as open dates etc., to extend reporting. Also this closed account is now reported in a manner to reflect as a new delinquency each month to cause further damage to my credit. XX/XX/XXXX I did establish service and purchased multiple phones at retail price since from day one I did not receive adequate phone service. First i was told a phone with external antenna was needed and then even more powerful phones even though I was within a good coverage area. Later after diagnostics i was told that there were issues with the cell towers and service tickets were issued all this continued for years. Finally i was told repeatedly by customer service reps, " XXXX is not for everybody ''. So being fed up i cancelled service having paid all monthly charges and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Resolution Inc (Closed)
State: IL

Complaint narrative:
I have received no less than XXXX calls since XXXX XXXX from this company stating there is a matter they need to discuss with me. I have contacted an attorney as they recommended and they gave her no information as well. I would like this harrassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 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: Law Offices of Robert J. Colclough, III
State: FL

Complaint narrative:
A charge was posted on my credit report which I constantly request proof of how this debt was incurred. I have not received any proof the debt belongs to meXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Check City Partnership, LLC
State: NV

Complaint narrative:
I was receiving daily phone calls from Check City regarding setting up a repayment plan on a payday loan that I was not able to repay when it was due. They pressured me to promise to pay more than I could afford and I told them this, but they continued to use high -pressure tactics to make me agree with them which I would end up doing in order to get off the phone. XXXX agent even starting yelling to her co-workers " she 's lying, she is not going to pay '' while using these colelction techniques. 

Then they would call me every day afrerwords even though we had come to an agreement and we would have the same pressure conversations causing me emotional stress. If I did not answer my cell phone they would repeatedly call my job, EVEN AFTER I SPECIFICALLY TOLD THEM I HAD GOTTEN IN TROUBLE WITH THE HEAD OF SECURITY, and they would make the receptionist give me a hand written note. 

In addition to this, they repeatedly called my boss and left him messages regarding the debt and he spoke to me about it as they were bothering him at work as well. This caused a strain on my work environment and additional stress to me personally. 

They also called my mom repeatedly as well as my long-time friend regarding the debt. 

The interest rates they charge and the amounts they loan put you in a cycle where you are unable to pay them back, and they will not allow you to make reasonable payments. I am responsible for agreeing to the " quick money loan '', but was not prepared for the horrible experience that i was getting myself into. Check City, however, is perfectly aware what they do to people who are facing having their water shut or electricity shut off with a child in the house and not only do they prey upon them, they proceed to harass and belittle them and make sure your job, family, and friends are aware of your personal financial situation as well. 

Shame on them. Perhaps if they would lower their interest rates to 100 % instead of 400 % - 500 % they would get paid back more often and still make XXXX times the interest a credit card company makes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: MO

Complaint narrative:
received a call from XXXX ext. XXXX case # XXXX. Asked this individual to stop calling me at work because it disrupt me while at work. He told he that criminal charges will be filed against me. I hung up and he called me back at my work number.

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 2015-03-27 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received a collection letter from Resurgent Capital Services for a debt owed to XXXX XXXX XXXX. The charge off date was XXXX/XXXX/2003 for {$610.00}. Resurgent is demanding payment in the amount of {$1200.00} for XXXX. I sent RCS a letter explaining that I do not owe this amount due to the statute of limitations, and I believe I made payment on this debt at an earlier time. Their response, received on XXXX XXXX, was that they were still pursuing payment because the information I sent was insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
INQUIRY WAS NOT REMOVED

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Love beal and Nixon illegally sued me and got a default judgement against me I never received a date of the hearing I called the court house several times they never gave me a date I even responded to the motion still never received a date.. I called and spoke to XXXX and was set up on a payment plan for XXXX accts I sent in payments for XXXX accts they accepted the payments. They then put a garnishment on my checking acct even though I am set up on a payment plan.. It is my understanding that they can only take up to 25 % of monies in my acct they have taken everything I was once again never notified by XXXX not the bake I still have not received anything from them. This is a known issue with them I do n't understand how they are legally still in business..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Penfed acting as servicer of a XXXX mortgage refuses to cooperate with making the mortgage affordable contravening XXXX mission to prevent foreclosure. After a lengthy illness, lost of business, and divorce my income was seriously impacted. I asked PenFed to reduce the interest rate to make the property permanently affordable. A modification is a one-time event, I wanted to make sure I received XXXX that I could afford moving forward. PenFed continued an aggressive pattern of collection activity and refused payments unless it represented the entire arrears. PedFed misled me with respect to XXXX, I thought PenFed owned the loan, but it is XXXX. They continued a pattern of deception stating XXXX refused any action other than foreclosure and full payment. They offered what they considered a modification which was same terms as the mortgage note and payment, but basically charging the arrears back into the account. However, with the same mortgage payment and interest rate, I could be back into losing the property - so I request an modification that included the reduction of the interest rate to 4 % from the 5.12 %. The national standard at the time was 3.25 % - 3.75 %. PenFed I believe feels it is more profitable to keep the higher rate to the detriment of affordability. I can maintain my home if they would offer that. Instead they are auctioning my home with a balance of {$99000.00} left on the note. How does that make sense? The work contacted by the Massachusetts Division of Banking requesting they work with me a little longer, they refused. They told Massachusetts and me that XXXX never got back to them. After speaking with XXXX, they said the servicer can make the decision to halt and work with me. PenFed again refused. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I have paid direct with Collector company the amount they ask me to be shuttle with them of XXXX.dollards paid with my creditcard from XXXX direct with them.Then they told me they sent a letter of to be removed from my records. They never did that and still there is the amount of XXXX dollars on my XXXX credit reports.Why?? 
Please contact with them to be removed of my records ASAP. 
Thank you very much for this results of this matter. 
My Email is XXXXXXXXXXXX.

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 2016-03-09 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Purchased a Jumbo C.D. from CIT Bank XXXX/XXXX/XXXX. Acct number XXXX under name of XXXX XXXX. As I was preparing my XXXX Federal and State tax returns, I realized that bank never issued me a XXXX or XXXX form XXXX. I called CIT bank and was told by representative that no hard copies of XXXX 's were mailed out - the account holder was responsible for download form online. Bank representative told me that CIT Bank knowingly and willfully did not mail copies of XXXX -INT to customers. I now have to file amended XXXX State and Federal returns and incur additional fees from my accountant and pay interest penalty to Federal and State.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 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: TX

Complaint narrative:
A man by the name of XXXX XXXX contacted me regarding a debt owed saying it was from XXXX XXXX XXXX for approximately XXXX. This man ID Himself as a detective when he is really a collections agent and stated that I missed a court hearing for a civil suit that was filed against me and that if I did n't pay the moment today a bench warrant would be issued for my arrest and I would go to jail. He also threatened my liscense being suspended and wage garnishment. I want my account removed from this company and k want the harassment to stop. This man did not validate my debt read me the mini Miranda advising me of his attempt to collect a debt and would not provide me with there companies address. I found out through XXXX XXXX XXXX that they sold the debt to XXXX who sold it oracle financial group that they are the ones with the debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
XXXX Dispute for XXXX to remove fraudulent address 's, Drivers License. I have attached, Police Report for Identity Theft, Notarized Statement stating that I have n't lived at these places. Your refusal to remove these disputed information because your Bank members are the ones that has reported them is wrong. Remove them!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Applied Business Services, Inc.
State: NC

Complaint narrative:
My copay ( $ 50- {$60.00} ) is paid prior to seeing a physician. I paid the required copay at XXXX. A collections agency is reporting that no co pay was paid. These two accounts are reporting adversely on XXXX and XXXX Reports. XXXX does not report at all. I spoke with two reps with XXXX ( XXXX and XXXX ), and advised them that I have received a " PrintScreen '' proof of payment from XXXX and a copy of my bank statement. They refuse to receive fax and stated will not remove incorrect information from reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC
State: AL

Complaint narrative:
Contacted Movement Mortgage, XXXX, AL on XXXX XXXX, 2015 because this company is on the Alabama Housing Authority Finance 's lenders list for the Step Up program. Consumer was led to believe that was qualified for this program and a government housing grant because my credit scores are on par. Consumer submitted documents to these clowns but, deliberately, not bank statements. Consumer has not been contacted all this time to confirm that documents had been received are any other confirmation. Today, consumer was contacted by branch manager doing a song and dance number to the fact that their company does offer this program but has put in place other criteria because defaults are high. The company is requiring a XXXX credit score and not the standard XXXX credit score this program requires. This company has wasted my time and energy by not stating upfront this additional criteria. This company is deceptive, to say the least. Consumers deserve better.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Chex Systems , Inc., is giving financial institutions secret reports and informing financial institutions not to open up a checking account for me due to me having previously reported fraudulent checking accounts from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX listed on my consumer report and upon sending a police report and proper documentation, the fraudulent checking accounts was removed from my Chex System Consumer Report. But Chex Systems is secretly informing banks and financial institutions not to open up a checking account for me due to the previously fraudulent checking accounts listed on my consumer report, even though Chex Systems sent me a copy of my consumer report with no negative information reported on my consumer report and informed me, I should n't have a problem opening up a checking account. A few days ago, I went to XXXX XXXX and XXXX XXXX XXXX and was informed by representatives from both banks, that they could n't open up a checking account for me because because the inquiry they got from Chex Systems, informed them not to open up a checking account for me due to previously fraudulent checking accounts listed on and removed from my consumer report. Furthermore, Chex Systems is reporting my physical and mailing addresses as errors and non-existent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation