vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-27 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
Dear CFPB, for the past year I have corresponded with this agency called EOS CCA who continues to harrass me through the mail to settle a debt that I do not owe. I demanded they validate the account in collections, and provide proof of a contract expressed or implied entered in mutually with clear signatures between myself and the alleged original creditor XXXX. To date they have not met my demand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10 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: EOS Holdings, Inc.
State: VA

Complaint narrative:
I applied for a job with a credit union in the security department. They informed me I had a bad debt with XXXX on my credit report and needed to resolve it in 30 days or I would lose the job offer. I contacted XXXX and was informed they had no record of me having an account currently or in their archives owing a debt of any kind. They refused to remove the negative credit account stating they were not reporting it. I called the number from the credit report and was told they were a debt collection agency. I believed this was an Identity theft issue however I did not have the time for an investigation. I paid the account with the collection agency, XXXX XXXX, in full due to time constraints. This was XX/XX/2016. I am now being billed by another credit collection agency, EOS CCA for the same XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Weinstein & Riley, P.S.
State: TX

Complaint narrative:
Original credit card account was opened in XX/XX/XXXX. Last payment on the credit card was made in XX/XX/XXXX. In XX/XX/XXXX, I received notice that they were going to put my house on the sale list to pay off the debt. After working with an attorney we resolved the issue and they took it off the sale list. In XX/XX/XXXX, I went to mediation and met with representative from the collection company and provided all information requested. Since that time we have heard nothing in regard to the debt. On XXXX XXXX, after logging into our online banking saw our XXXX banking accounts were all negative XXXX. We called XXXX XXXX XXXX to resolve the issue and was notified that our accounts were put on hold because they were now to be garnished by the state of texas. No documentation was provided by the debt collector since XX/XX/XXXX. They explained that they tried contacting us in XX/XX/XXXX to an address that we had n't lived at for 2-3 years. No phone calls were made and no other certified mail had been sent. Address changes were made each time we moved. He explained that was n't his problem to keep current information, although he had my current phone number and mailing address on file. We are now without any money and XXXX kids in our home. XXXX and other money is all gone. There are no judgments or liens outstanding on us.

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 2015-06-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Clark County Collection Service
State: NV

Complaint narrative:
I previously contacted your agency regarding this debt trying to be collected regarding Clark County Collections, your company was able to get this agency to send the signed consent of authorization which thank you as this is dated back in XXXX which is even past the allowed time for this agency to report on my credit file. It has been XXXX years. I am requesting this agency to remove as they are violating my rights per the FCRA only allows data to report for XXXX years only. Please help as the credit agencies and Clark County are not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
My mortgage loan is with Green Tree Servicing as interest rates fell during the mid and late XX/XX/XXXX Myself and My wife were interested on numerous occasions at restructuring our loan either as a refinance etc. but we were always told that it was impossible by Green Tree representatives, when MHA, restructuring etc. was made available under Federal Law again Green Tree advised us that a Refinance within the company was impossible, although they offered loan products of all types, My mortgage has always been paid on time we have never had as much as a day late mortgage payment all we ever wanted to to do was take advantage of lower interest rates, Our home was purchased in XX/XX/XXXX and it is a mobile home but on a fixed foundation and considered real property by the county within in where we reside Our interest rate is 7.79 and Originated with XXXX and was sold apparently to Green Tree in which our nightmare began early this year I filed a complaint with the Tennessee Consumer Division, because although our mortgage has always been timely and paid in full Green Tree hounded us by phone almost daily after being notified division in ( which Green Tree stated in an out right Lie they never contacted us, ) advised the STATE OF TN They would put us on a no call list, etc. I would just like to know why our loan through GT Servicing does n't even qualify for Bi-Weekly payments or any change for that matter, I have been told every time I spoke with Green Tree where I called that we could n't modify at all period Why, no one at Green Tree would explain to us at all just simply that we couldnt change anything, I 'm not asking for my mortgage to be paid for me I just dont understand why we are discriminated against by this company under the MHA Law or any other aspect of our Loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
Called outside of the XXXX and XXXX Threatened jail and warrants for my arrest regarding debt Discussed details of my account with others ( that were listed on loan application ) without my authorization Discussed details of my account with others ( that were not associated with me or listed on my loan application ) Left threatening details on voicemail with contacts on my loan application

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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: Aldous & Associates, PLLC
State: MA

Complaint narrative:
Spend numerous hours trying to cancel a gym membership and was unable to with the gym manager. Finally was able to cancel and get charges refunded which manager assured me this is resolved by an email and voicemail which I have. After receiving the debt call I was able to reach the billing dept which was unknowst to me. They came to the conclusion about me owing the debt even though the manager assured me it is resolved. This company looks to have a bad history of debt not being owed as shown with the XXXX and an investigation by XXXX i team for similiar practices. I also have a voicemail I can send of the manager calling me to say this has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 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:
HOW MANY LETTERS DOES A PERSON NEED TO SEND THAT SAYS CEASE AND DESIST? BECAUSE I HAVE SENT XXXX TO THE COMPANY. THEY ARE CALLING AND HAVE IT UP ON MY CREDIT STILL

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Good afternoon. In XXXX 2015 I requested a skip payment on my auto loan from my lender. They obliged and told me to continue making payments the following month. The stop payment did not go into effect, subsequently causing my lender to publish a 30 day delinquency on my credit report. Since then I have requested my credit report be updated with no success for over 6 months. I have been reassured my issue was valid and they are sorry for my inconvenience and that it is being taken care of numerous times, as well as been told I would receive a call back and other general lip service to get me off the phone with no result. My credit report has since been updated by the bureaus themselves show that my account status is " pays as agreed '' but has not removed the erroneous 30 day delinquency in question. Further attempts with Pentagon Federal Credit Union have been fruitless, most recently starting the dispute process all over again with no guarantees or communication with anyone in the back office responsible for the previous disputes - I 'm only able to speak with front line representatives who place me on long holds while communicating information back and forth to the appropriate department. I 've had to pay out of pocket to obtain an updated credit report to fax over in order to begin the dispute process - otherwise face a hard pull inquiry on my report by Pentagon Federal Credit Union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
My friend XXXX XXXX XXXX has been receiving repeated calls from continental financial they called him this morning at XXXX not saying nothing and breathing in the phone

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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: MRS BPO, LLC
State: CA

Complaint narrative:
XXXX sent me in error to a debt collector XXXX XXXX XXXX for {$140.00} XXXX XXXX, 2015. On XXXX XXXX, 2015 I paid XXXX XXXX {$160.00} which included late charge. I spoke to XXXX on XXXX XXXX, 2015 at XXXX verifying that I paid this bill full. Then received another bill from for the same {$140.00} from another collector MRS Associates for the XXXX XXXX bill XXXX {$140.00} XXXX. I tried several times to call MRS Associates on XXXX XXXX,2015 and XXXX XXXX, 2015. The phone tree takes me to the point of waiting to speak with a representative then disconnects me every time. This very frustrating and seems like a scam. I need some help. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: GA

Complaint narrative:
On XXXX XXXX, 2016 the short sale lender requested that we receive an offer in the amount of $ XXXX. I now have an offer in that amount and I submitted it over to the short sale lender on XXXX/XXXX/2016 and the short sale lender has come back and stated that they do not have enough time to review the short sale offer and they suggested that I just let the property foreclose. However, if they would postpone the foreclosure sale to review my offer, then I will not have to get foreclosed on in XXXX. At this time, I feel as if the short sale lender is being unreasonable and they are not giving me an opportunity to review any foreclosure alternatives. This is absolutely the worst lender I have ever experienced. I know that the government says that the lenders should provide foreclosure alternatives to homeowner. So, I am asking, no I am demanding that someone stand up for me and my right to need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Continental Finance Company, LLC
State: VA

Complaint narrative:
XXXX, I have XXXX credit card accounts with Continental Finance ( XXXX ). They are very high interest cards that I took out right after I successfully completed XXXX Bankruptcy. I pay on time every month, through their website. I have noticed several times that when I sign on to make my payment, inexplicably and under the guise " for your protection '' the system asks me to change my password. Although, I follow the instructions carefully and answer my security questions correctly, there are repeated error messages forcing me to become locked out of the system and to call the customer service number on the back of my card. Because I often pay either on the day before or the day that my payment is due, this action I feel puts me at risk of being late in making my payment, thus resulting in paying the credit card company not only my payment that is due but a hefty late payment fee of {$35.00}. ( This has occurred about XXXX or XXXX times ). Throughout the month I am often checking my account online, but I have noticed that the system requires me to change my password only around the time that a payment is due. I have complained to the company, but they only reply " it is added security for your protection '' or " or try to make your payments earlier ''. Please investigate this matter.

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 2015-05-02 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: AR

Complaint narrative:
LVNV FUNDING LLC seems to be on my reports it shows I owe {$130.00} for an account I have no knowledge off.LvnV IS ACTUALLY on my reports XXXX XXXX different accounts XXXX as lvnv XXXX as XXXX XXXX and various addresses for the collection company. 

I have no knowledge of this accounts I believe they are not mine.show me proof or anything because I have never heard of this. 
LVNV FUNDING XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXLVNV FUNDINGXXXX XXXX, XXXX XXXX XXXXXXXX different addresses across the country with same phone number I have tried XXXX address and numbers unsucessfuly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-17 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: MD

Complaint narrative:
To the Consumer Financial Protection Bureau : I XXXX recently filed a CFPB complaint against a national collection agency that specialized in the collection of unpaid rent. This agency send a compromised offer, but they did not expose the truth of my arrangement with The XXXX apartment complex. I hereby attach a copy of an email between myself and XXXX, Assistant Property Manager at the apartment complex in question. My move out from this complex was requested professionally as I was facing a family crisis back in XXXX State, and the ownership was understanding and agreed that I would only be responsible for the days whereas my apartment was nor re-rented, but that the management would advertise the apartment for rent immediately. The email response I have posted on this complaint shows that XXXX apologized that he was sorry the apartment was not advertised, and that he would not charge me for this mistake. This response concludes any argument that I owe anything towards the Fair Collections & Outsourcing , Inc . In addition, the settlement offer by FCO is hereby void, mainly because there is no lease termination fee in the entire lease, as posted for your review. This entire collection is a violation against my rights under the Fair Debt Collection Practices Act, the leasing by-laws of the state of XXXX, and since FCO posted the collection on every credit bureau, a serious violation of the Fair Credit Reporting Act. FCO has acted devious by adding charges to an invoice that are not included in my lease, and the fact remains that my move was amicable and the management of XXXX agreed that I was not going to be charged for the apartment post move. FCO must file a removal of the case and send removal letters to all pertinent credit reporting agencies on behalf of XXXX and XXXX respectively.

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 2016-08-10 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Oracle Financial Group LLC.
State: NY

Complaint narrative:
This company called my work place. The gentlemen, XXXX XXXX, did not know he was speaking with me and gave out my personal information. Insisited on speaking with me and and would not hang up unless they spoke to the CEO of the company. I took down the information and called back. He was again threatened me with court and coming to my work and embarrassing me with a citation. Also, said that I was going to go to jail for stolen goods. I asked to speak to the supervisor to file a complaint and the supervisor, XXXX, said he would listen to the recording and reprimand and have him fired. Then the supervisor threatened me with attorneys and a citation at my work. I told them they are not to contact me at work or go to my work. I offered a payment arrangement as I have had in the past to the company and past collectors and they refused stating not enough money and they would pursue through legal system and come to my work. These gentlemen have threatened me and now I am unable to stop shaking and I am afraid I will lose my job & gt ;

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 2016-08-01 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ

Complaint narrative:
Tidewater financial sent a text on XXXX XXXX at XXXX. They sent another text at XXXX on XXXX XXXX. The vehicle has been deemed a total loss and has been paid out by insurance company. There should be no deficiency on the loan that we are aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
I have enrolled with XXXX XXXX XXXX and sent out the appropriate paper work as well as informed this company to please stop calling my workplace and threatening to attach wages and litigation processes.

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 2017-02-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I have repeated requested that they correct incorrect reporting on my credit report. They refuse to fix a reporting error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
XXXX, headquartered in XXXX, Pennsylvania, merged with First National Bank. Following the merger, online bank statements prior to the effective date of the transition ( XXXX/XXXX/16 ) are no longer available.

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 2015-06-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On yesterday, Saturday XXXX XXXX, 2015, I received in the mail a XXXX XXXX XXXX XXXX XXXX XXXX statement dated, XXXX XXXX, 2015 in the total amount of {$1200.00} ( Creditor LVNV Funding LLC ; Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I AM DISPUTING, this claim. On or about 7 or 8 year 's ago, I paid this account off ( after, it was charged off ). I am DISPUTING, the amount of the monies claimed by LVNV Funding. I have previously, DISPUTED THIS ACCOUNT ( S ) with XXXX, XXXX and XXXX. This account by LVNV is old and was charged off XXXX year 's ago. I will fax all supporting documentation to CFPB for the purpose of this filed complaint. LVNV Funding, is NOT authorized to use any of my personal or confidential information. According to Fair Credit Reporting Act, it is illegal to request more monies than what is owed. Again, I am timely DISPUTING, the XXXX XXXX account.

Company response to consumer: Closed with explanation