vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I am an XXXX year old lady who took our a Financial Freedom loan XX/XX/XXXX. I have had a lot of trouble and feel like the loan was misrepresented. I receive {$1100.00} in Social Security each month. Their rules have changed they say as of XXXX. I have trouble paying the RE taxes, but keep up my insurance. On XX/XX/XXXX they chanced my loan to matured status and say I have 90 days from there to be put in foreclosure. On XX/XX/XXXX they received my request for extension. as of XXXX they have not yet sent it to hud. Say they are too busy, but they have time to call and send all kinds of other harassing stuff. I have been in my home 60 years and am not fit to move. It is tearing me up. I do n't know what to do. They are driving me crazy. I went to a lawyer but I ca n't afford to pay them. I called the counseling places and they do n't return my calls. My banker has tried to help me also with forms. I am helpless as to how to live. Please assist me as you can. Thank you for your consideration.. I sent them XXXX payments that they requested and they returned XXXX and said they did not receive the other. Said they are no longer accepting payments, but they did not send the XXXX on back. Received the XX/XX/XXXX XXXX back for {$250.00}. I have no money for needed items. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX, 2016, I activated a Regions Cashback Rewards offer to earn {$75.00} cash back when I made XXXX transactions with XXXX XXXX XXXX of at least {$15.00} using my Regions debit card. I made XXXX transactions of at least {$15.00} on XXXX XXXX, 2016. Per the terms and conditions " Your {$75.00} Cash Back is earned within 30 days after making your second transaction. '' As such, the {$75.00} was earned on or about XXXX XXXX, 2016. To date, the {$75.00} has not been paid out by Regions bank, despite confirmation from that the purchases qualified. I have contacted Regions in attempt to resolve this matter prior to contacting the CFPB, however the response I received was that it actually takes 60 days to post these funds to my account. Unfortunately, that is in direct contravention to the explicit terms and conditions of the offer.

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 2016-03-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
About a year ago, I called XXXX XXXX XXXX ( my mortgage holder ) because I saw an ad on TV about a government program that could reduce your mortgage payment. All I did was inquire about the program and my mortgage began to unravel like a spool of thread. Long story short they sold my mortgage to a company called Penny Mac. After reading the information of the program I discovered that it is a program for people that are upside-down in their mortgages of which I have NEVER been. After I declined the paper work my payments began to be posted later and later until I receive a notice that I was 2 payments late and Penny Mac was threatening to foreclose on my mortgage. I sent my last payment on XXXX/XXXX/2016 through the US mail. The check XXXX XXXX. It was for {$1500.00}. This was my payment of {$1400.00} plus the late fee of XXXX. This payment has never been posted. The postal worker is my friend and she placed the stamp on the payment and marked the envelope posted so I would have a witness that I sent the payment. The payment on XXXX/XXXX/2016 was made over the phone ( so I had it recorded ) and was not posted to my mortgage either. It was deleted from my bank account on XXXX/XXXX/16. I called Penny Mac and they told me that, " They have my money ... in a " holding account. '' A asked, " Why is my money sitting in a " holding account '' and not applied to my mortgage?!!! I have NEVER signed anything saying I want or need a modification to my mortgage. I am certain there is something very wrong going on. '' The agent told me that by just inquiring about the modification program that gave them the leverage to modify my mortgage. I have worked for XXXX XXXX in my past and have NEVER heard of this! I believe that to modify a mortgage you do need the owners signature. My daughter is a CPA and she informed me to contact you. They have harmed our credit and are trying to do something unethical. I appreciate all the help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: AFNI INC.
State: TN

Complaint narrative:
We got XXXX XXXX XXXX XXXX in 2012 and after having so much trouble with it working correctly, we called them to cancel our services. They did not care at all about resolving the problems we were having with the service and was told by a representative for us to use the return shipping box they would send to us. We sent all of the XXXX equipment back to XXXX XXXX XXXX and was told that we did not owe anything on the account with them. XXXX XXXX XXXX later sent this account to a collection agency then got it back and sent it to another collection agency after a few months. The collection agency representative was not nice about anything concerning this account. They were very demanding that it be paid in full or we would deal with a crime of not paying a debt. I did not appreciate this attitude at all and this is not a good way of doing business. I would never recommend anyone to use XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: OH

Complaint narrative:
I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with I have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 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: AFNI INC.
State: OH

Complaint narrative:
AFNI INC A DEBT COLLECTION COMPANY ADDRESS XXXX XXXX XXXX IL XXXX REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT ANGENCY HOW ARE THEY VERFIED? THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions mortgage changed by mortgage to over {$140.00} at the beginning of the year. This was supposed to be for a " cushion '' on the Escrow account. Additional to the monthly amount, they also assessed a " cushion fee '' of a few hundred dollars, which I was not allowed to pay in parts. Besides that, they had been changing me over {$330.00} per month on Private Mortgage Insurance ( PMI ). Earlier this year, when a law was passed so that FHA loans would pay far less Insurance Premium, I called Regions to get a " the law is too recent and we have not established changes to procedures/PMI '', while I was getting offers to reduce this from other mortgage brokers. I did not refinance because I did not have the money to do so, thanks to the undue burden placed on me by Regions. These unnecessary extra charges of almost {$500.00} forced me to sell my house as it was just too much of an expense. Now I am forced to live in a rented apartment. Also, since all these charges were just too much for me, I was late on payments and Regions assessed {$120.00} for late payments. It is incredible that anyone would think that charging that much would be conducive to catching up on payments. It seems Regions was eager for the loan to default. Perhaps they wanted to keep the property as it had appraised significantly. Furthermore, Regions has taken over 50 days to refund me the escrow account balance, due to several mistakes, sending the payment to my old address ( the house I sold ), despite my phone calls and letter mailed to them with my new address. I mailed such letter the same day the sell closing took place. 
Please investigate this mortgage company as I am sure there are plenty of mortgagee suffering because of this. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CA

Complaint narrative:
I disputed this account with AFNI, INC., the items were removed off my credit bureau only to pop back up again. I had initial signed up with service for XXXX XXXX XXXX XXXX. The service was not up to par in my city more like dial up speed so I cancelled out my services and XXXX switch my service pack to XXXX. I mailed back the router and was informed that no charges would occur. Yet I have charges on my credit report and no one will answer my question as to what those charges are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
In XX/XX/XXXX I was a patient in the XXXX recovering from a broken ankle.They billed {$5800.00}. XXXX paid {$5500.00}, XXXX paid {$58.00} & {$170.00} and I sent a personal check for {$57.00}. They keep billing me {$810.00} through XX/XX/XXXX. I have submitted the statements from XXXX proving the payments. They claim there is a co-pay or deductable is due but never indicated it on any of their monthly statements but they did accept the amount billed from XXXX, XXXX. Now they have turned this bill over to a collection Agency ( Revenue Group ). I have sent the collection agency the statements from XXXX and XXXX proving the Payments but they continue to demand the {$810.00}. Refuse to prove that the bill is valid and have given no accounting of the payments made. Now thay are taking me to court. This bill has been paid but they keep trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Ditech asumed my load that was set up for weekly automatic withdrawalso from day XXXX of my loan. Last week I got a call from XXXX of their debt collectors. He advised me I was behind in payments. After I explained I have automatic withdrawal set up and plenty of money in my account he looked and said they accidentally cancelled my auto pay infomation. He said I would have to go online to set it back up that they could n't do it on the phone. When I went online it only offered monthly payments but noted I could call and setup bi-weekly payments. I called and was informed they had eliminated weekly payments. I feel cheated because they are forcing a change in my payment schedule that I do n't agree with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 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: AFNI INC.
State: FL

Complaint narrative:
The cable company XXXX XXXX has sent XXXX different collection agencies after us on a bogus bill ( although they keep changing the amount owed ). 

The bogus bill concerns cancellation costs that we were assured would not occur when we took out the contract. The first collection company accepted our documentation, but the second persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Consulting Services, Inc.
State: UT

Complaint narrative:
My wife of 3 months was admitted to XXXX XXXX XXXX XXXX. She signed herself in, used her insurance card and was there for a few days. At the time, had her own insurance policy, her own bank account and filed her own tax returns. While trying to pay her debt to the hospital and working with her insurance company, the hospital turned her into collections. 
At the present time I am trying to get a home loan and this collection showed up on my credit report. When I spoke with CCS ( a collection agency from XXXX CA XXXX, they told me that they had every right to post this to my credit report because California state law says they can go after a spouse to collect a debt. They cited XXXX XXXX XXXX XXXX XXXX. The person I spoke with was XXXX XXXX. 
I spoke with someone from your agency and was told that CCS can not do that. That we all have our OWN individual credit history and this was my wife 's history, not mine. She has since paid off this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
My property was foreclosed XX/XX/XXXX ( judgement entered ). I contact my loan servicer, Ditech Financial LLC, on several occassions asking loan modification application after I was pre-screened on the phone if I qualify for a program. XX/XX/XXXX, I received a notice that a Sheriff Sale has been scheduled for XX/XX/XXXX. I contacted the loan servicer, Ditech Financial LLC, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to receive a loan modification application as the sheriff sale on my property was quickly approaching. I finally received the loan modification application on XX/XX/XXXX and a full packet of XXXX-page document was returned to Ditech on XX/XX/XXXX via Fax. Since then I did not hear anything from the loan servicer again. I called on XX/XX/XXXX ( 4 times and left messages to my assigned representative ), and on XX/XX/XXXX ( 7 times, leaving XXXX messages ). I finally got through to customer service at approximately XXXX. and I was informed that they will not review my loan modification application since it is so close to the sheriff sale of my property. 

I have called countless number of times since XX/XX/XXXX, I filled out online " contact us '' forms, '' and called at least 15 times in the last two months leaving voice mails asking that Ditech calls me and provides me with a loan modification application. They failed to do so, until the very last minute so that they would not " have to '' review the documentation and take away my home. Why???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
this company LVNV Funding bought a debt from XXXX on an account that i never opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
I received a voicemail saying that I am a person of interest in a legal matter and need to contact them back within 24 hours so that no charges are filed against me. I called and asked what it was regarding and he said it was a payday loan that was issued by XXXX XXXX XXXX in XXXX 2011. But I did not receive a payday loan at this time. He continued that I needed to resolve it or they would forcibly recover damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I have on several occasions disputed an account on my credit reports. I have disputed this information with both the credit reporting companies and the collection agency themselves. I have asked for proper validation and I get absolutely no response. I am under the impression that this company has 30 days from the date my validation request is received. 

This company never responds and effectively ignores my request for any validation in regards to this account. I have disputed the amount, and address on file with this company. In every instance I have never heard anything back from this company. 

If I submit a dispute through the credit reporting agency. The agency reports that the debt has been verified as belonging to me. I am aware that the reporting agency uses a standardized system in validating a quick and efficient response. However, this is no way proves this debt as belonging to me or that the amount is in anyway accurate. 
I want this collection agency to validate my so called debt as outlined in the Fair Debt Collections Practices Act. 

They are required to verify this debt if they can not. Then I want this debt removed. 

The collection agency in question is Fair Collections and Outsourcing. Address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My bank has placed a foreclosure date on my home. I have placed my home on the market and we finally received an offer which was presented to the bank and denied due to the foreclosure date I also submitted my documentation requesting for a mediation which were submitted late due to lack of knowledge by the person helping us save our home, a date of XXXX XXXX, 2015 has been giving but my bank continues to proceed with the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 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: MRS BPO, LLC
State: CA

Complaint narrative:
Letter addressed to " XXXX XXXX '', which is not me, at my address. Another attempt to collect a phony XXXX debt. I will attach their letter. Their web site allows no option but making a payment ; nowhere for an explanation ( in this case, that there is no such debt ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 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: TX

Complaint narrative:
My former apartment complex is claiming I owe two months of rent. I abide to my lease and move out on my move out date. I do now owe them I have paid the amount I do owe. Collections can not find proof that I owe two months rent.

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 2016-06-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding llc continues to send me letter asking me to pay on loan that has been taken off my credit report. They are thereatening to return this loan as 'Active Collection '. 
The account was charged off is XXXX. 
My detailed credit report was pulled in XXXX and nowhere was this loan showed and now LVNV is harrasing me by sending me letters that I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
I 've been paying a debt since XX/XX/XXXX in which FCo financial has given me. The debt total was {$1900.00}. I have payed {$1400.00} towards this debt. I 'm filing a complaint of harassment because they have called me after hours to retrieve this debt. On Wednesday, XX/XX/XXXX, I received a call from FCO XXXX at XXXX Eastern Standard Time to collect the remaining balance of this debt.

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 2015-06-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Dirick, Inc.
State: TX

Complaint narrative:
I took a renewal loan with a finance company, after enountering a change in employment and other personal difficulties it had been difficult to pay. This company has been embarassing me over the last XXXX months my situation by going to the homes of the references I listed, one who is my ex-husband who humiliated me because these people went looking for me at his home. They visited my new place of employment and quite frankly at this point I feel very stressed out with this entire situation. This company has exceeded the word humiliate and slander. They have released account information to my realtives and references and I have no where else to turn. I do not want to keep having anxiety or contintue getting embarassing mesages from my peers or employer because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief