vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-26 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: MN

Complaint narrative:
Someone stole my personal information and identity and opened up an unauthorized and fraudulent account with XXXX. I been receiving harassing, threatening and death threats telephone calls from representatives from LVNV Funding, LLC., in regards to the fraudulent account and the debt of {$220.00} I do not owe. The debt do not belong to me. SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC.
State: VA

Complaint narrative:
Received a call from an unknown number at my desk at work, the gentleman introduced himself as, " XXXX, '' and continued with the Mini-Miranda disclosure. He advised that he was calling from AFNI, regarding a debt, I informed him that I had previously requested no calls were to come to my place of employment, and to please note the account. XXXX acknowledged that, '' my account had been documented from my previous conversation, the number must not have been taken out. '' And then continued to pursue payment for this debt. I advised XXXX that continual calls at my POE are a clear FDPCA violation, to which he continued to attempt to collect on this debt. I promptly ended the call at that point telling XXXX to have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: WY

Complaint narrative:
I have repeatedly tried to contact XXXX XXXX XXXX and XXXX XXXX XXXX over the last 2 weeks to pay off a {$110.00} collection from XXXX XXXX. XXXX tells me that the debt must be paid through XXXX XXXX, and depsite leaving multiple messages with XXXX XXXX XXXX, I have not received a call. I called XXXX again this morning ( XXXX XXXX ) and was informed that they had been sold to Resurgent Capital Services. I was able to speak with a supervisor at Resurgent who informed me that I would still have to pay via XXXX, but all of the phone numbers for XXXX go directly to Resurgent. After calling a third time to Resurgent, a senior supervisor named XXXX told me that it would take more than a week to be able to pay that debt. 

I had no knowledge of this debt until applying for a home mortgage, and was instructed by our loan processor to pay it in order for our mortgage to go through. I am VERY concerned that by not be able to pay this small debt, despite attempting to pay it numerous times, that it will affect our home mortgage. I also doubt the validity of the debt itself, but am not going to get {$110.00} stop us from getting our house. 

I would like to pay the {$110.00} and be done, and can not believe that a debt collection agency will not allow me to pay a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Dear CFPB, this complaint is in response toXXXX and XXXX investigation and verification of an public record that appears only on XXXX XXXX 's XXXX and XXXX credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. LVNV Funding has yet to respond to dispute in writing. Under 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts '' If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' LVNV FUNDING LLC has not complied with this requirement. 
Debt collector : LVNV FUNDINGoriginal creditor : XXXX, XXXXPartial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. LVNV FUNDING is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to LVNV Funding certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for LVNV, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Requested a verification of the debt and did not get one. Instead i get a negative remark placed on my credit report for late payment. I never owe this company and it is unfair to place a negative remark on my credit report without verifying the debt. My credit score was impacted by this.

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 2017-01-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
On XX/XX/XXXX I applied for a loan on the XXXX website for 0 % interest financing for 18 months. I input my information and was approved for a {$5000.00} line of credit. I received my first bill and it states that I am paying 29.99 % financing on my purchase. I called Fortiva Retail Credit and was told that I was n't approved for the 0 % financing but the 29.99 % financing. When I submitted my application, the website never said " your not approved for 0 % financing however we can offer you 29.99 % if you want to continue ''. This is a total bait and switch scam. I would have never gone for the 29.99 % interest rate. I could have used one of my lower interest rate credit cards or not moved forward with the purchase. When I called customer service they told me I signed an online disclosure. I never received it. I went through all of my emails and they only correspondence I have received other than the online application is the monthly statement I received. At the very least, there should be an indication that you have not been approved for the 0 % which is what you are applying for on the XXXX website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Michael G. Niles
State: KY

Complaint narrative:
Executive financial company contacted me back in XX/XX/2015 and set up a payment plan. Representative argued with me, then was contacted by a supervisor and set up successful payment arrangements via credit card. Bank issued me a new card last week of XX/XX/2015 and the payment did not go through on XX/XX/2015. In a letter dated XX/XX/2015 I 'm contacted via mail that legal action will be brought against me for a " hot check '' and to contact the " hot checking '' department leader XXXX XXXX and that the amount for my collections is due up front in full or legal remides will be brought against me personally. I did not receive letter until today XX/XX/2015 and they want a response within XXXX days of letter being mailed ( not taking account he XXXX XXXX holiday and no mail ). I was not given sufficient time to change my payment method, nor was I given a way to change method as they take the amount they want to each month. They have no set up on the website to manage these things. I feel that Exectuve Financial is bullying me. I tried to pay the full amount on their broken website and I still owe them {$1.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
PenFed artificially inflated at least XXXX fee it charged me to pay off my mortgage. The payoff statement ( attached ) listed a {$48.00} " release fee. '' No such fee had ever been mentioned in my loan application or loan agreement. When I questioned that fee, PenFed said it was a County-imposed mandatory fee. My own research revealed that the County 's lien release fee is actually only {$41.00}, and that I could submit the request and pay the County directly. See XXXX and attached excerpt. So I told PenFed to send me the Certificate of Satisfaction and I would handle the release request. XXXX refused, and insisted I pay the entire {$48.00} before my loan would be considered paid off. I paid it to prevent PenFed from dragging out my payoff ( and holding my credit hostage ) any longer, then sought a refund from PenFed. PenFed refused. Inflating fees for bogus services associated with mortgage loan payoffs seems an unfair, deceptive and abusive practice. 

XXXX

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 2016-02-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have had an account with the company ( OneWest Bank ) who has held my XXXX mortgage ( HELOC ) since 2006. I have excellent credit and have never had a late payment reported until last month by OneWest/CIT. I paid through their web portal as I have the prior 100+ times previously. The transaction went through without issue. I did not capture a copy of the confirmation. I received zero communication from them that a payment was in arrears. I was notified by my credit monitoring that my score had changed and immediately paid what they showed to be in arrears and called them. They told me that they could not authenticate me although I provided every piece of personally identifying information they requested. They told me they would not speak to me. I asked to have this escalated to a manager and they refused. After much badgering, they said they would have a manager contact me, but, they never did. I purchased the email addresses for their corporate level management and emailed them. Someone emailed me back and said someone will be in touch. It 's been 13 days and no response. I have tried to contact them multiple times via telephone and email and they have been unresponsive. My credit score has now been severely impacted and I 'm in the process of refinancing which may impact my ability to close. I have submitted disputes with all three credit bureaus. I am furious and can not believe that a company I 've had an account with for 9 years would violate my rights under the Fair Credit Reporting Act. A company that so blatantly violates a consumers rights in this manner should be made an example.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Union Credit Corporation
State: TN

Complaint narrative:
I recently was denied credit due to a utility lien and medical bill. The utility lien was {$140.00} and the medical bill was for {$1100.00}. Union Credit Corporation is negatively reporting utility liens and medical collections that do not belong to me. I filed a police report with the XXXX Police Department. Identity theft report # XXXX and Report # XXXX with investigator XXXX. I have been a resident of XXXX Tn since 2008. I was a victim of identity theft and I do n't owe these debts and I would like these items removed from my report immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
I saw this doctor in regards to a lawsuit I have, from getting hit on XXXX with XXXX metal bed frames. I have called and explained I ca n't pay due to lawsuit but once my case is settled, he will be paid. It needs to be removed. i have a lawyer working on my case. 
Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Metropolitan Home Mortgage, Inc.
State: CA

Complaint narrative:
XXXX NMLS # XXXX charged our credit card {$450.00} without our knowledge or authorization. The re-finance was never completed, we were denied, and now just lost the {$450.00} they charged us plus loss of time and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I was a cosigner on an apartment lease for my son, XXXX XXXX, who is on XXXX XXXX in United States XXXX XXXX since XXXX XXXX, XXXX. Before my son left for XXXX XXXX, he had been working on paying the final bill for his apartment lease. He paid the final bill in XXXX of XXXX. We noticed in XXXX XXXX that we were in derogatory standing so we called the company. They sent us a printout of the charges ( not an itemized bill ) and my son noticed that he had already paid the charges. They were double charging him plus they added a carpet cleaning fee for the carpet ( they had already inspected before he left and said everything was fine ) and a day to day fee for the rent. He had already paid the final rent before he left. They also had a utility bill ( water and trash ) on the bill, which he had paid directly to XXXX. He submitted a letter of satisfaction from the company to the leasing company, XXXX properties. We can not rectify because XXXX XXXX at XXXX XXXX XXXX is no longer the owner of the property and will not deal with us. Fair Collections and Outsourcing took over the so called debt. I offered to pay them to remove it even though it was n't owed to them and they refused. Then, I contacted a lawyer and we gave him power of attorney. They refused to deal with him. My son who is the primary contacted FCO and they refused to talk to him because they said the power of attorney is with the lawyer. The lawyer said this is not true that they really can not object to talk to the debtor just because there is a power of attorney. My son told them the lawyer is no longer involved and they told him they can not talk to him and the lawyer would have to pay it. We can not get this resolved because the debt collectors have been unreasonable, have not provided us with an itemized bill, just a printout of charges that says printed XXXX XXXX, XXXX, which was added on after he left for boot camp. The copy of the bill I am providing you with was not received by my son until we found it on our credit reports and contacted XXXX Properties and FCO. FCO refusal to deal with us has left us with no other option, but appeal to you to help us. Thank you for your assistance in 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 2016-02-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Resurgent Capital Services doing business by other alias ' such as LVNV Funding LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PYOD XXXX, XXXX XXXX XXXX, Resurgent Capital Services XXXX and XXXX XXXX XXXX continue to send me mailings on an account that is not mine. I have submitted a debt validation request to LVNV Funding and Resurgent Capital Services within the 30 days upon receipt of the notification. I have yet to see any of this documentation and continue to receive mailers. On XXXX XXXX, 2016, I contacted XXXX XXXX Bank and spoke with XXXX XXXX who verified that my previous account with them was in good standing. I would like the mailers to stop being sent to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
On or about XXXX, I was made aware, from my credit report, that Realtime Resolutions was reporting that I had a current and delinquent mortgage. I called XXXX Resolutions on or about XXXX and spoke with XXXX XXXX ( a representative ) and expressed to him that this lien / collection was directly tied to XXXX XXXX XXXX XXXX XXXX, CA XXXX. Furthermore, I explained to XXXX XXXX that this property was foreclosed upon on XXXX. I informed XXXX XXXX that they were erroneously reporting this as an active and delinquent upon my credit report. I requested that it be removed immediately. XXXX XXXX asked me to show proof of the foreclosure date along with the reporting on the credit report. XXXX XXXX requested that I email this information to him which was done on XXXX. He responded positively and said he would personally take care of the matter and have it rectified within 48 hours. 

On XXXX, I had heard nothing from the company. I called and spoke to a representative. I was informed by the representative, that with their research, they were reporting accurately. 

The mortgage forgiveness debt relief was explained to Realtime Resolutions. This law which was passed, forgave of any and all debt that was secured by XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

I am now requesting help from the CFPB because the matter has not been handled in accordance with the law. I have attached proof of foreclosure and the credit report with the erroneous reporting from Realtime Resolutions. 

I called back

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2015, I entered into agreement with Nationwide Biweekly Administration to handle my mortgage payments on a biweekly basis ( as opposed to monthly ). I was told that this would drastically reduce the amount of interest I would have to pay, and would shorten the length of my mortgage. I have tried repeatedly to contact this company to verify that payments were being made to my lender, but every attempt to contact them ( by phone or email ) has resulted in a dead end. Suspecting that I had been scammed, I have spent the last 3 days attempting to contact customer service at NBA. Every phone number they listed lead me down a path of " technical difficulties '' or " high call volume '' excuses. Not once was I able to speak to a human being. I even entered the phone option to " close my account '' with them, but that too lead to a dead end. How can I put a stop to my relationship with NBA if there is no way to contact them?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: American Credit Resolution, Incorporated
State: NJ

Complaint narrative:
On XXXX XXXX, 2016 I was contacted on my mobile phone and work phone by XXXX XXXX from American Credit Resolution XXXX XXXX ) XXXX. He was supposed to be a debt collector for XXXX Payday loans. I owed XXXX a debt of {$150.00}. ACR claimed they were calling to collect the debt, threatened that a courier would be coming out to my workplace or home to deliver a subpoena to go to court. He was asking for a total of {$3000.00}, because the {$150.00} had accrued a high amount of interested. I told him it was no way I was paying that and the only amount I would pay was the amount I owed. We agreed to settle at {$180.00} as long as the payment was made that day. I then proceeded to give him my debit card information and the funds were taking from my bank account on XXXX XXXX. I may have given him my social security number, however I can not recall. I really believed he was representing XXXX, because I was aware that I had an outstanding payment of {$150.00}. This guy new everything about me and the loan I had with XXXX. On XXXX XXXX I received a phone call from XXXX trying to obtain the {$150.00} payment. I advised them that I paid it on XXXX XXXX with American Credit Resolution. They then informed me that they have their own inside credit collections department and would never use a collection agency to collect their debts. They also mentioned that several of their customers mentioned being contact by ACR. When ACR withdrew the funds from my back it was listed as American Credit Resolution XXXX XXXX XXXX XXXX XXXX. I have since changed my bank account and debit card information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
On XXXX/XXXX/15 I requested Business and Professional provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Company response to consumer: Closed