vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Risecredit, LLC
State: AL

Complaint narrative:
Consumer is a victim of credit " parking '' instigated by Elevate Credit ( Rise Credit ) and XXXX. Placed a bogus 30-day late on my XXXX credit report. Elevate Credit ( Rise Credit ) has a policy of parking false information on at least one of the consumer 's credit reports -- keeping a false balance or false information on a credit report. This is done to force consumers to pay off the erroneous balance in order to obtain other credit or to protect consumer 's credit score from the artificially lowered score which directly resulted from Elevate Credit 's ( Rise Credit ) intentional and malicious conduct. 
In parking or allowing the parking of an account, Elevate Credit ( Rise Credit ) is well aware that it is violating the obligations and duties under federal and state law to accurately report the account and the balance. 
Elevate Credit ( Rise Credit ) know that parking a balance will lead to false and defamatory information being published every time the consumer 's credit report is accessed. This is exactly the malicious and intentional design behind Elevate Credit 's ( Rise Credit ) actions with the goal to force consumer to pay on an account that is illegal. 
XXXX maliciously, willfully, intentionally, recklessly, and negligently failed to review Elevate Credit 's ( Rise Credit ) information provided in the disputes and to conduct a reasonable investigation on consumer 's disputes, which led to XXXX either failing to delete information found to be inaccurate, failing to replace the inaccurate information with accurate information, and reinserting the information without following the dictates of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Williams, Rush & Associates, LLC
State: NC

Complaint narrative:
I have been told for the last 1-2 years by them that they were going to sue me and it was my last chance to pay it in full. 6 months later they call and say it again. They also had someone call me and my references claiming to be someone trying to serve me but they just ended up trying to convince me they would file a lawsuit the next day if I had n't payed. I told them to sue me and make sure I am served so I can come to court they told me they do n't have to serve me. They still never filed a suit against me. They have threatened wage garnishment on my husband whom I just married this year but never follow through. They are trying to scare and intimidate me with lies and false threats

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: WA

Complaint narrative:
I was seen at XXXX Hospital in XXXX, WA XXXX XXXX 2009. The visit was paid by XXXX. ( workmans compenstion XXXX XXXX XXXX XXXX also billed me for this visit and was giving the XXXX insurance information. 
Today I received a bill from Dynamic Recovery SolutionsXXXX XXXX XXXX XXXX, SC XXXX for $ XXXXfor the XXXX XXXX, 2009 visit. XXXX from Dynamic Recovery Solutions said it was for XXXX Hospital even though it says XXXX XXXX XXXX. on their bill to me. Original Account Number XXXX Account No : XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said they do n't have this bill anymore, and that it was a XXXX claim. They also said they do not work with Dynamic Recovery SolutionsI believe this is a scam to scare me into paying a bill that has already been paid. Since XXXX XXXX, 2009 is more than 6 years ago they might think I will pay this having no records of it myself. 
I do not owe the {$420.00} and this hospital visit in XXXX XXXX 2009 was covered by and paid for by XXXX. 
Thank XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 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: CICA Collection Agency, Inc.
State: PR

Complaint narrative:
The complaint is against one of the Telephone/Internet companies in PR ( XXXX ). 
The service was cancelled on the XX/XX/XXXX due to bad service ( various reports of interruption in the service, delays in follow up and time the repair job was coordinated and completed and the charge for a service was not given ). 
Even though all those issues, I had to wait until the end of the contract to cancel the service. Due to the fact that I signed for a service that I never received. That is, I extended the contract agreement to have an upgrade in the internet velocity to find out the service was not available to the area of residence. So, I had to wait on a contract to expire when the service was not provided. 
The service was cancelled on the above mentioned date and I remember asking the Account Representative to give me the ending balance as of that day. I asked her if she could do that and agreed upon the final payment. The payment was done and the Service Cancellation - Client Receipt was issued. 
To my surprise I received a letter stating that I had a debt for {$23.00} from the internal collection agency of XXXX ( CICA Collection Agency , Inc. ) dated XX/XX/XXXX. Called XXXX and was told that the debt came after a final audit. What audit do they need when you can see all the records online? Besides, that was something worked at the time of cancellation, not otherwise. 
Where do I raise the flag and think about this being a fraudulent tactic and something to bring to the attention of the authorities and for an audit not only of my account but other accounts? 
When in a conversation with other office workers at lunch they told me they had a similar issue once they cancelled the account and something like {$23.00} was the amount owed after a final audit. Since it was a small amount the paid it and forgot about it. 
Once again, I am convinced the charge is not a valid one, more so, is a fraudulent one requiring an investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
( Please see previous XXXX submissions to CFPB Case number : XXXX ) This request was also sent to XXXX, and there response suggested that I contact you again. There response is unacceptable. I have contacted Real Time Resolution to request that they provide me with the copy of the actual recent assignment of a faulty note. They have been unable to provide me with the copy of the assignment that shows the Deed of trust was sold and assignment to an investor that XXXX transferred the rights to service to Real Time Resolutions. The original note was changed and signature page altered so that it could be recorded in CA. I only received what appears to be an unprocessed document, that may have even been ROBO signed, to satisfy the QWR that I sent in. It appears faulty for one, because the fax date at the bottom of the supposedly notarized document, is dated before the formal notarized date of what was supposed to be a copy of the original document. Real Time Resolutions states that servicing was transferred to them. I have requested 3 times, the proof of their right to collect for the owner of the faulty note. Not the assignment but the assignment to the entity that they are collecting for. l challenge the validity of the document that was sent to me, as it is supposed to show the assignment of deed of trust. ( See attached ). The deed is blank, not recorded, and the fax date if prior to the signature date ( strange ). XXXX XXXX no longer owns the debt, and says I owe {$0.00}. XXXX says I owe {$0.00}. I have asked that RTR provide me the assignment to the purchaser of the note, that they are supposed to be servicing for, or please reconvey title to me. The document that was sent to me appears to be ROBO Signed, in order to satisfy my Qualified Written Request. It is supposed to be a copy of the original deed of assignment. The fax information at the bottom of the paperwork has a date XXXX/XXXX/14. This date is before the actual notary date of the assignment ( strange ). Additionally, the notary public of Iowa was not supposed to leave any BLANK lines on the document. See attached rules of notarization of Iowa. This document does not satisfy my request and again, I am submitting a QWR that you provide me with the recorded document that transfers the debt to whomever Real Time Resolutions has the rights to service or collect for. If you can not provide this, please Re convey title to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
Basically i came to the end of my car loan, made the last payment and got a confirmation number. A week later the funds were still not taken out of the account, i called Mid Atlantic Finance back to find out what 's going on - they said the method of payment - check over the phone - can not be done for the last payment. I payed using this method for 15 consecutive months. When i payed off the car the first time the final payment was about {$330.00} + {$6.00} ( the XXXX is the fee just to make a payment ). When i payed it yesterday the new final balance was {$350.00} and the {$6.00} was waived. So basically i payed interest on an account that should have been closed, this constitutes fraud and after doing some research found all sorts of people with similar stories dealing with mid atlantic finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc.
State: OH

Complaint narrative:
Real Time Resolutions Inc. [ RTR ] collected mortgage payments from me illegally after XXXX XXXX XXXX closed ( wrote off ) my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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:
I keep getting harassed by a creditor and threatened with legal action on a debt that was a result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 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: OK

Complaint narrative:
They are saying that i need to pay or they will send me to court. Fistr they said they were calling from the county then they said they were from the city council.. and that they have a dock number and they need to serve me papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27 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: GA

Complaint narrative:
Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX The collection agency is aggressively attempting to collect a debt that does not exist for the amount of {$200.00}. I have submitted documentation that show that amount was paid in full on XXXX XXXX 2015 to XXXX XXXX XXXX XXXX .The collection agency continues to contacts me weekly, for the said amount and has recently reported the non existing debt to the credit reporting agencies. They have made no attempt to fix their mis communication and have become increasingly aggressive in their tactics

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 2015-08-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
I enrolled into ACH with Tidewater Finance back in XXXX. Due to a missing debit card in XXXX, I had to cancel my card and made a priority to notify all my creditors with autopay of the change. Per Tidewater 's request, I had to now provide a routing/checking # instead of a debit card. Which I did about 2 weeks before my ACH date on XXXX of 2015. Unfortunately, their system has continued to fail to withdraw my account for months now and my payments have been late. I 've accumulated late charges and interest none the less with a high APR due to their consistent issue. Not to mention, through the loan I 've received collection calls and emails when I 've had Automatic Draft set up with their system. I 've had to take time off from work to address their continuous issues and loose money in the process as the Per Diem assesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc.
State: AZ

Complaint narrative:
I bought a car at a buy here pay here location and they sold my contract to another Loans co Without myself permission I do not believe I have to pay a loan co that I did not borrow from so in turn I would like the derogatory loan removed from my credit and let out if the deal alltogeather or send me the title to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: TX

Complaint narrative:
Pulled credit report. Found a suspicious entry on my credit report for a LVNV Funding LLC . After writting the collection company and LVNV Funding LLC informing them that I 've never heard of them ; never used any products or services from them -- they refused to removed the information from my credit report. 

I do n't even know who LVNV Fudning, LLC is nonetheless used a product from a bank called : " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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: WA

Complaint narrative:
XXXX phone is showing up on my credit report, indicating that I owe this company {$1800.00} and it is at a collection agency. I do not have any record of this debt and do not believe that I owe this money. I have repeatedly contacted the collection agency but they will not send me any verification of this debt nor what it is about. Also, XXXX does not show that I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Hello, I have Pentagon Federal Credit Union Mortgage and Mortgage loan # XXXX. I received a letter today that my PMI Cancellation request has been turned down since the principal balance of mortgage balance has not reached 80 % of the original value of the property securing the loan. I also spoke to Penfed Mortgage Department and they told that they used the old appraisal from XXXX and told to send another request. 

This request is to use the home appraisal which was done by Penfed Home Equity department in XXXX XXXX, which came to {$500000.00}, so please use the latest appraisal and remove the PMI on my loan. Also attached is the appraisal copy and please use last XXXX digits of my SSN to open the attached appraisal done by Penfed Home Equity loan department. 

Thank you, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: VeriCore, LLC
State: ME

Complaint narrative:
Vericore sent me the following in a email threatening to contact third parties about my debt which is not a confirmed debt. I have asked that they send me the information thru the mail and they continue to email me with threats They wrote this : For disclosure purposes, I must advise that such action includes but is not limited to contacting state regulatory agencies such as the Maine Secretary of State, ( to investigate any licenses, certifications, UCC filings, judgments, tax liens, and verify your corporate charter ), your current bank and current bank officers, ( to investigate any open lines of credit, average daily balance of the operating account, and to verify if the your company is capable of obtaining a line of credit to satisfy its obligation ), all secured creditors and any vendors listed on your credit application ( to verify what terms you have been extended, inquire about any past due balances or recent payments, etc ), as well as the local tax assessor or your current landlord, ( to determine if you are current on your property taxes or rental lease ), XXXX, and the local XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Creekside Recovery And Capital Management
State: CA

Complaint narrative:
XXXX XXXX from Creekside Recovery Capital Management was trying to collect a debt for XXXX I was told I was being sued for XXXX when we tried to work out a payment arrangement and my mom would n't give out a credit card number, he started yelling and saying everything thing I say is XXXX, then he proceeds to say again I was being sued and that 20 % will be taken from my paycheck. My mom asked for a physical bill in the mail and would send money orders and XXXX XXXX started yelling profanities at my mom. My mom asked to speak to his supervisor and he refused and then said you have an hour and a half to get me a payment of XXXX dollars for the XXXX payment or I will tell my supervisor to give to the judge and do n't call back I will call you for the payment. This all occurred on XXXX/XXXX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Concord Resolution Inc (Closed)
State: PA

Complaint narrative:
Today XXXX XXXX, XXXX, I received a call from Concord Resolutions Phone Number XXXX. They left me a voice mail with a claim number to use when I contact them. I returned their call never using the claim number. Someone by the name XXXX answered and knew exactly who I was. XXXX recited the last XXXX digits of my social security number and what bank I use. XXXX stated to me that this was a call to collect a debt that I had taken out with his client in XXXX XXXX. XXXX also stated that I had a payday loan with his client XXXX XXXX who was now trying to collect. I asked him when did this loan occur because I have no information about a XXXX XXXX. XXXX them proceeded to state that they ( XXXX XXXX ) was a third party company to my original lender. He also said even if you pay your original lender, the third party has to be paid because the loan is generated from numerous lenders. I then asked XXXX who is the original lender. XXXX stated there was no other lender listed but XXXX XXXX. I then said to XXXX if XXXX XXXX is the third party you have to have information on the original lender. XXXX paused, then stated it was not listed. I stated to XXXX anything I do I receive PAID IN FULL letters from the consumer, so who is the original lender. XXXX then said to me to send him all my paid in full letters, him and his supervisor will go through them and find my lender and remove me from there call list. I explained to XXXX I was not sending him or anyone else my private information. If you do not have the information where this originated from there is nothing I can do for you. He paused, stated he understood and claimed he would be talking this matter over with his supervisor and would be giving me a call back on Friday. I asked to speak with the supervisor and that did not happen. After waiting about ten to fifteen minutes from hanging up with XXXX, I called back and the phone just rang with no voice answering machine to leave a message. I then blocked my number and called back ten minutes later and the phone just rang again with no machine stating who you called or any identifying information that represents a company. I then contacted the consumerfinance.gov who lead me to the ftc. XXXX did n't retrieve any important information. I changed my bank account number years ago so they were not successful in gaining access to that. I also found it weird because Concord Resolutions called my home phone number which is n't on any past papers I filled out because I just changed my number last XXXX. Also I always use my cell phone number as my primary because I 'm more reachable. 
Thank You in advance for letting me state my concerns. I want to help protect others from scams like this.

Company response to consumer: Closed with explanation