vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SOUTHERN FUNDING ALLIANCE USA
State: TX

Complaint narrative:
Where do I start. We just recently purchased a home and used Southern Alliance for our lender. We agreed on a certain loan amount and was assured countless times we would pay nothing out of pocket. We consistently asked for a good faith estimate and it was never provided until AFTER we received our closing documents which were incorrect. 
We worked with XXXX XXXX for over a month and he assured us over and over that we would have to pay nothing out of pocket even when our house sold for less money. It is our opinion that the XXXX XXXX was incompetent in doing his job because he would never respond. When we got to closing on Thursday, the closing documents said we owed {$1400.00} out of pocket. When we called the lender, XXXX acted like he did n't know what was going on. It was super stressful since we had a deadline to get out of the house that we just sold. He adjusted the paperwork and resent it. The resent paperwork was incorrect and said we were going to owe money out of pocket again. Our realtor noticed that he made mistakes with the numbers on the paperwork as well! He had the property tax incorrect and the home warranty incorrect. We wasted all day Thursday because he could not get the paperwork right. He refused to eat the cost over his mistake and made us pay for it. We had no choice to go with it because we were backed into a corner and would have been homeless. We were supposed to move from our old house on Friday, but instead we did not close until Friday afternoon. So now, we have an extra {$1400.00} on our loan that we could not afford because of his mistake. We had to cancel movers and move them to Saturday which we had to pay premium. We had to rent a XXXX because we only had 2 days to move out of our old house instead of XXXX due to this guys mistake. We wasted a lot of mileage, gas and tolls going there on Thursday when the paperwork was incorrect. We had to take off an extra day of work that we did n't have because he made us lose a day of moving. I wish we would have went with another lender because now we are paying over budget due to this guys HUGE mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Concord Resolution Inc (Closed)
State: TX

Complaint narrative:
On XXXX, someone from phone number XXXX as well as phone number XXXX ( " XXXX XXXX XXXX '' ) contacted me stating I received a " pay day loan '' in XX/XX/XXXX and when they tried to extract repayment from my account, access was denied. They stated they are pursuing legal action since I " have not paid back the loan. '' Also, again on XXXX, someone from phone number XXXX ( " Concord Resolutions '' ) called me with the same story. However, there were XXXX different " loans '' with this call, XXXX from XXXX and another from XXXX. I have received numerous calls before XXXX, but I did not document those calls ; I thought they would just stop since I have n't applied for any types of loans. Both my husband and I have checked with our bank and there were no such deposits of money or loans issued. Also, as per the XXXX credit report bureaus, there have been no inquiries or loans applied for in the last XXXX years. I have filed a police report, and I block these numbers from calling me. However, people end up calling me anyway from different numbers each time, claiming the same story.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into an agreement with this company that indicates they have provided me with goods and that I agreed to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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:
On XXXX XXXX, I drove 3 hours from Washington DC to XXXX, PA for the sole purpose of closing my bank accounts with First National Bank ( who just bought out my bank - XXXX of PA ). I went to the XXXX branch on XXXX XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ). I was met with, " We ca n't close your accounts until Tuesday because we do n't have account totals. '' Seriously? Way to plan for the merger! I signed all the paperwork and was told they would mail a check on Tuesday, XXXX XXXX to my temporary residence in XXXX, MD. It 's only XXXX miles away from XXXX so should have arrived the next day. Wednesday, the XXXX came and went. Thursday, the XXXX came and went and still no check. I called Friday, the XXXX and was told the checks were n't mailed until Thursday and should arrive early this week ( XXXX XXXX or XXXX ). 

It is now XXXX XXXX, almost TWO WEEKS after closing my accounts and I STILL HAVE NO CHECK. I called again this morning and talked to the bank manager, XXXX, and was told that the checks were sent last Thursday, the XXXX, not Tuesday as promised, but they went to a main bank or corporate or whatever in XXXX first and would be sent out from there sometime. " Probably Monday or Tuesday she said but that was a guess. She did not verify that they were indeed sent out. '' Meanwhile, I have {$50.00} in cash to my name which I used to open the account at the new bank. I have an overdue credit card which is now maxed out because I have no cash and First National Bank has my {$15000.00} in limbo for almost 2 weeks and the best part is I now owe a late fee and all the interest on it because of this whole screwed up process and the repeatedly being lied to. I also have no way to pay my electric bill or buy groceries. Way to go First National. I clearly made the right decision to close my accounts when they bought out XXXX. I want my XXXX money!!!

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 2016-08-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Continental Finance Company, LLC
State: NH

Complaint narrative:
I opened a Verve credit card through continentalfinance back in XXXX, credit line was {$500.00} min payment {$35.00}. In XXXX when the year came up I closed the account as they charge {$96.00} for a yearly fee and {$60.00} for a yearly maintenance fee. For some reason when I closed the account I was being locked out of my account so I had to some times call in payments and in XXXX XXXX for some reason the person did n't process it correct, when I got a letter in the mail I called and was told they would waive the fee as she said it was showing for XXXX XXXX and I had to make a payment which I did. The one that was scheduled as she said for XXXX XXXX and XXXX for XXXX XXXX. I then called to make my payment on the due date of XXXX XXXX and I was told I had to pay {$72.00} as I was charged a late fee of {$37.00} and they were rude to me and refused to waive the {$37.00} fee saying they can only waive XXXX fee in 12 months which I was n't late, so I do n't see why I should eat that fee. I informed I was n't paying another penny on this account as I am disputing there charge. I spoke with serial people the only person I got info from was a XXXX XXXX who said she was gon na send my complaint to corporate and see if they could waive the fee and told me to call back in a hour. I did and she said they wont waive it. I was then informed I had til XXXX to pay the {$72.00} or I was getting another fee. The account is closed and they charge me {$10.00} a month in a monthly maintain fee which it was {$5.00} when it was opened and they get about {$13.00} in interest. I never made that a issue, but I do n't think it is fair they are gon na mess up my credit for something I did n't do. I asked them to send the {$470.00} I owe to collections as it makes more sense to go that route then to keep getting a {$37.00} late fee a month when I was n't late. They said it does n't work that way. I thank you for your help in this matter. I can be reached at 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 explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Vermont Student Assistance Corporation
State: VT

Complaint narrative:
I am a cosigner on an XXXX. The load has gone into collections because none of the benefits of VSAC loans are attached to this loan. There are no reduced payments, no deferments and I am not allowed to consolidate this loan because it is a private loan. I filed for bankruptcy a few years back and the loans were not discharged even though they are private loans. 

The loans have gone into collections and I was told that I would be allowed to have a hearing based upon hardship. VSAC placed an offset on my tax return that I had intended to use to pay my Federal taxes. I was expecting to receive a property tax rebate that is based on my income and my ability to pay my property taxes. This money has been used to offset my VSAC loan. VSAC sent me a letter telling me they had confiscated my tax rebate and that I had a right to a hearing upon request. I sent a letter to them requesting a hearing and was denied. I rely on this money to pay my property taxes to my town. 

I have not been able to work out any arrangements with the collection agency. When I spoke to a representative from VSAC on the phone she told me to speak with the collection agency eventhough VSAC is sending me correspondence. 

I would like some help with working this out with VSAC. I would like a hardship hearing and I would like to know why private loans are not being discharged in bankruptcy. I still have bills that need to be payed before my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Astra Business Services
State: FL

Complaint narrative:
debt that was written off over ten years ago by hospital i worked for.I do not owe this. they are calling repeated to collect debt. i have informed them several times it is outdated by law and to stop calling. no avail they keep calling. i finally got name of company. astra business services in XXXX N.C & gt ; the caller is in XXXX and refuses to stop calling. this was bought off another agency that closed the account, but evidently they just sold it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Line of Credit was discharged in bankruptcy. 

IndyMac Bank ( now owned by OneWest ) did not and will not remove a lien they have on our home despite the fact that they themselves acknowledge that the debt has been discharged, there is no account for the collection of the debt, and they have reported to the IRS that the debt was cancelled. 

( Letter and XXXX from IndyMac are attached. ) Beginning in XXXX 2014, despite numerous attempts by us and by XXXX attorneys whose assistance we sought to resolve this, IndyMac and now OneWest are unresponsive. 

We can not refinance or sell our house because of the lien. This is causing a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
To whom it may concern : This letter is being sent to you in response to the above reference account that EOS CCA, has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any documents that show I agreed to pay what you say I owe. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent. 

At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS CCA, for the following : Violation of the Fair Credit reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
We were leasing in an Apartment for more than XXXX XXXX XXXX. When we decided to move to XXXX. I gave them a notice of 30 days period since on that last few months i did not re-new my contract so im just paying month to month basis. 
When we left we were charged {$1600.00} for the Balance they were claiming and i know for my self that I paid my dues. I tried to settle the debt without complaining since we and the people in the leasing office had a good relationship. Im trying to pay atleast {$100.00} per month and i lost my job. Now I have a new job and trying to find an apartment to settle. I can not get an apartment anywhere because what reflects in my Credit is EVICTION and I asked them wjhat is the break down of that amount then i discovered about a {$1000.00} bond that never was discussed to us + the Bal. of {$570.00} which I consider as remaining bIlls, that 's fine but {$1000.00} is something and i asked them to change the report as just a credit the leasing manager said they can not not until i pay the amount. My family can not start life here in XXXX and we are just living with a relative because we can not get an apartment to live in. Even if how much we try to ask them to change the report wherein they do know that we are not Evicted in that apartment where we stayed. 
I really need help about this matter. We are Homeless and overstaying with a relative.

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 2015-12-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I was sold a predatory sub-prime loan in XX/XX/XXXX by XXXX Loans. I had a 80 % XXXX mortgage and a 20 % XXXX and I put nothing down on the home. After a year I got into trouble with the loans and I was facing foreclosure. With my parents help I was able to stave of foreclosure and I kept making payments on both loans for several more years. Finally I had to file a personal bankruptcy. Both my XXXX and XXXX loans were discharged in my Chapter XXXX bankruptcy in XX/XX/XXXX. I kept making the payments on the XXXX mortgage to XXXX XXXX XXXX and I am still current. However the second loan was sold by XXXX to XXXX Loans in XX/XX/XXXX, and shortly thereafter XXXX assigned the servicing of the loan to Real Time Resolutions. Now I have been attempting to obtain a refinance on the first loan but the lender and the title company can not clear title because the second deed of trust is still recorded in the name of XXXX, which was a subsidiary of XXXX. but is no longer in business. I engaged a lawyer to submit a Qualified Written Request to Real Time Resolutions who claims to have legal ownership of the second deed of trust. I asked RTR to provide evidence that they own the second deed of trust but they failed to provide that evidence in response to our QWR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 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

Complaint narrative:
I believe this is a debt that I disputed in 2009 for cable services. 

I moved to the XXXX XXXX in XXXX of 2009 and asked to cancel my cable service in XXXX. 

I spoke with a representative at the time and was assured that this would be done. 

Sometime later, I was told that I owed for 2-3-4 months of service. ( I no longer have the documentation from this matter. ) I now have a {$140.00}. collection amount showing on XXXX my Credit Reports by MRS BPO, LLC.

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 2016-06-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Financial Adjustment Bureau, Inc.
State: IA

Complaint narrative:
I am a victim of identity theft and someone stole and used my personal information to get unauthorized health care using my identity and personal information. I have received harassing and threatening telephone calls and death threats from Financial Adjustment Bureau in regards to XXXX different unauthorized and fraudulent medical accounts and debts that do not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
I have a automobile with mid Atlantic finance in XXXX Florida, I sent them a Cease and desist for harassing collection calls on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the company proceeded to call me again. on XX/XX/XXXX at XXXX XXXX and pretended to be the legal team and said that he was going to take me to court and garnish my wages for my car loan. He said that I told the previous representative that I was voluntarily giving up the car, I stated I never said that what I said was I will pay the account current in a few days he said he did n't want money and the representative started to yell and I disconnected the call, the gentleman call back two times after that which then becomes harassing. I contact the corporate office and spoke to someone in the legal office by the name of XXXX. Said that my cease and the cyst was not valid and I have no right to tell them not to call me. I advise that my cease and the cyst has been on file for the last four years and calling me it is against the collection that and I will make a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
This is Contienetal Finance/ XXXX Credit Card.I sent them a letter on XXXX XXXX, 2015, citing law 15 U.S.C. Section 1692c, to cease all phone calls to me or anyone I may or may not know. From that date until XXXX XXXX, 2015, they have made over 26 calls. I sent a second letter to them at that time. Since then they have called 26 more times. I have sent letters to other creditors and they have acknowledged them and have stopped calling. This company wo n't stop and if I answer the call, they hang up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: MA

Complaint narrative:
I had asked Central Mortgage Company to review my credit dispute after I received notification for missing a monthly payment. I have an impeccable history with this company and had never made a late payment. I recently refinanced and ended up with Central Mortgage again for my loan. When I refinanced, my auto payment was no longer in place. I was surprised to hear I had missed the monthly payment, since I thought I had still been enrolled under auto payment. I described this in my letter of dispute. However, Central Mortgage replied by not even looking into my history. They declined my request to rescind thr notification to the credit bureaus despite my calling on the XXXX day and explaining the mixup. In the letter of reply only, Central Mortgage only mentioned that I was not enrolled in auto pay, therefore I should be held responsible. Why did Central Mortgage not review my prior history with their company ( just prior to refinancing )? It 's evident this was only a cursory review of my dispute. This is simply unfair based on my impeccable history and consistent enrollment in autopay. Thank you for your review and I look forward to a fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Pentagon Federal Credit Union obtained my personal and private financial information from XXXX Bank without my consent or a subpoena. Throughout my communication with PenFed, I have been specific in directing any and all investigation to PenFed internally. PenFed 's operatives have violated XXXX XXXX XXXX laws in addition to The XXXX XXXX XXXX. It is clear that Pretexting and deceit was used. This complaint also covers the fraud related to forged documents and criminal practices. Very closely mirrors 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 explanation