vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This information was suppose to age off my credit reportr back in XXXX 2014. I have disputed the information as out the XXXX SOL but all my credit report udpated to say was 'account disputed by consumer meets FCRA standards '.

Company response to consumer: Closed
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Here is a sample scenario that we see replicated quite a few times In XXXX, XXXX borrowers take out a loan with XXXX In XXXX of XXXX XXXX XXXX XXXX ( who was not the beneficiary ) appointed XXXX XXXX as trustee, and XXXX XXXX reconveyed the deed of trust. Since XXXX was not the beneficiary, the reconveyance can not be considered good. 

In XXXX XXXX XXXX as attorney in fact for XXXX assigned the XXXX XXXX Deed of Trust to XXXX In XXXX XXXX XXXX assigned the XXXX Deed of Trust to Resurgent Capital Services In XXXX XXXX XXXX d/b/a XXXX as attorney in fact ( without disclosing who they are attorney in fact for ) assigned the deed of trust to XXXX XXXX XXXX. XXXX XXXX XXXX had no interest in the deed of trust so this assignment can not be considered good. 

XXXX XXXX XXXX then appointed XXXX XXXX as successor trustee and XXXX XXXX then reconveyed the deed of trust. Again, XXXX XXXX XXXX lacked the record authority to do this, so the reconveyance can not be considered good. 

Phone calls to Resurgent Capital Services end up going nowhere ; the customer service people answering the phone do n't know anything, and they are not allowed to put a caller into contact with any technical people who could help. 

We have come across several of these situations where a homeowner has paid off a loan on their home and, because of poor documentation by these major players, the homeowners ' home is not cleared of the lien of the mortgage. 

I can provide copies of documents on specific files and would appreciate any help in getting these matters resolved.

Company response to consumer: Closed
Consumer complaint received 2016-11-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: CO

Complaint narrative:
I paid off my auto loan on XXXX XXXX, 2016. Tidewater Finance provided me with a pay off amount {$310.00} greater than the balance of the loan. I requested a refund on XXXX XXXX,2016. I have not received the title of the vehicle or my refund. TIDEWTER has told me they have 60 business days to issue my refund and the title. My son is in the XXXX and I need the title to transfer the vehicle to his name prior to him being XXXX. I have called Tidewater more than ten times and emailed my request with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC
State: MS

Complaint narrative:
I was told by general manager that he received a call from a gentleman from a law office and was told I had approx 1-2 hrs to contact him before a garnishment was enforced. I called the gentlemen & was told I would be garnished for {$4400.00} unless I made payment arrangements today for the balance due to a non response to a letter I never received. Because I told him I never got the letter, his client would consider a payment arrangement for {$2000.00} in 6 payments of XXXX monthly. If I default on arrange, the payment reverts back to original amount.

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 2016-08-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
This company is guilty of predatory lending and charge illegal interest rates. I was advised by the original company that this collection agency was not handling their loans, it was fraud and to not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Pinnacle financial LLC has reported the same account of my transition report. Requesting {$720.00} instead of the {$360.00} that I owe. I feel that if I go further they will want all XXXX not the XXXX. 
Can you help me sort this situation? 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
Called my parents house spoke to my dad about debt i owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11 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: FL

Complaint narrative:
XXXX XXXX XXXX is charging {$330.00} and it reflects as derogatory in my credit history in 2014. I did n't ever sign or even negotiate a contact with XXXX. I was studying abroad at the time.

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 2016-07-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The debt documented in the Public Record, XXXX and owned by LVNV Funding LLC has been satisfied, Settled in Full. Documentation is attached. Credit report continues to show public records as unsatisfied and the lien has not been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
There is an account which I requested validation on and have not received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CIT BANK, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Was trying to get approved for home loan. Was turned down because Cit Bank NA reported on XXXX late payments and a foreclosure on my credit report after i filed chapter XXXX and never reaffirmed from advice of Bankruptcy Attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I currently am upside down {$160000.00}. XXXX XXXX XXXX turned my second over to Real Time Solutions Collections Agency. The second is behind approximately {$39000.00}. After speaking to one the collection agency reps, she informed me that my loan was actually a XXXX loan and not a XXXX XXXX XXXX loan. I told her that this was not true because my coupons came from XXXX XXXX XXXX. She then changed her script and said that " XXXX XXXX XXXX is the Master Investor. '' I filed a complaint with a Legal Veteran Service who reached out to their legal department. I followed up on XX/XX/2016 and was informed that my loan was actually a XXXX XXXX XXXX. I called XXXX XXXX XXXX and they claimed that they could not find my loan, although I was told that if even if my loan was closed they should still be able to find it ; yet they were not able to find me in their system. I have coupons from XXXX XXXX XXXX. 
The collection agency brings up banks that were bought out by XXXX XXXX XXXX. I think that the agency is being misleading and not be forthcoming about this debt that came from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a residential mortgage loan currently with CIT Bank and previously with One West Bank and before that with IndyMac Bank as each bank was bought up by the other so they are now " bigger '' than " too big too fail '' putting our country in grave danger that their corrupt practices will cause them to come begging for another XXXX dollar tax payer bail out. My loan originated in 2007 with Indymac Bank and for the term of the loan multiple copies of the proof of insurance for my condo building was sent to the bank over and over and over and each bank claimed they did not receive the faxes and mailed copies and thus, each bank threatened to place extremely expensive insurance on my condo even though they were provided mulitiple copies of the insurance declaration page, year after year, proving that the insurance coverage was uninterrupted year after year. In talking with these bankers, it is clear that they have a deliberate and malicious protocol to wear borrowers down by continually telling them that they have not received the multiple copies of proof of insurance so that they can force place grossly overpriced insurance that creates another profit source for them at the expense of the borrower who already has insurance. THERE IS A PATTERN TO THE BANKS CORRUPT AND AMORAL METHODS AND PROTOCOL AND IT IS CLEAR THAT THE EMPLOYEES ARE DIRECTLY GIVEN INSTRUCTIONS TO " LOSE '' OR " SHRED '' THE PROOF OF INSURANCE THAT WAS FAXED OR MAILED IN FOR MY HOME REPEATEDLY EACH YEAR FOR APPROXIMATELY 10 YEARS. NEVER ONCE WAS THE INSURANCE FOR MY APARTMENT BUILDING EVER NOT IN FULL FORCE AND EFFECT YET I HAVE RECEIVED THREATENING LETTERS BY THESE BANKS CLAIMING THAT THEY HAVE NOT RECEIVED THE PROOF OF INSURANCE AND THEY WILL GOUGE ME BY FORCE PLACING INSURANCE. PLEASE STOP " CIT BANK '' WHO CONTINUES THIS TRADITION OF CORRUPTION AND THIEVERY. ALSO, AS A BANK THAT IS BACKED BY THE FEDERAL GOVERNMENT, HOW IS IT EVEN LEGAL THAT CIT BANK DOES NOT PUBLISH ANY INFORMATION ON ITS EXECUTIVES AND IT ON DOZENS OF CALLS THEY REFUSE TO DISCLOSE THE NAME OF ANY EXECUTIVES, INCLUDING THE CEO.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I do n't remember this credit card to be honest I receive a letter from the XXXX of new York saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be Sue for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was Sue before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Lvnv funding , LLC. is reporting a debt on my credit report I have disputed with not only the reportimg agency but also with another debt collecting agency named XXXX, XXXX XXXX, XXXX XXXX have now filed a small claims suit over this debt against me, after numerous threats. LVNV Funding , LLC has not validated nor verified that I owe this debt. I have no recollection of ever having this debt or owning this account. This debt has also been re-aged on my credit report. I have belief that this an illegal tactic between LVNV Funding LLC AND XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I was a member of the XXXX in XXXX XXXX when I lived at the apartment complex that had their facility on the property. I lost my job and could no longer afford living there so moved from the apartment to XXXX. Before leaving i went to the office, told an employee what the situation was and left a note telling them I cold no longer afford the membership and was moving to another city. I did not get any sort of receipt nor was I told that this was not sufficient notice. 
Several months passed and as I did n't hear from them assumed it was done. Some time later they contacted me and demanded I pay nearly {$300.00} dollars claiming that I have not given them 30 days notice of my intention. They also claimed I had n't ever informed them on my desire to cancel. I called several times and left several messages. It took a long time to finally get talk with someone who was not even remotely helpful. I offered to print out a copy of the original letter but was told it would not be accepted because as they said, " How do we know you have n't just written it? '' I then offered to pay another month 's payment and mail them a new letter telling them I wanted to stop my membership. They refused to allow me to even consider this. I feel I have made good faith attempts to resolve this but no solution I have offered was acceptable. They have finally sold this account to a collection agency and I continue to be plagued by this. I am adamant that I will not pay any more than one single month payment. This seems to be a reasonable solution that a reputable company would accept. I need to have them either accept my offer or stop dinging my credit every month. I would appreciate your assistance in dealing with this. Thank you kindly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
This debt showed up on my credit report without contacting me about it or anything. I have no idea who owns the debt, and the company in question are tarnishing my credit report for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: UT

Complaint narrative:
On XX/XX/2017, I received an email from this business. They claim that I owe them a debt for XXXX XXXX. They also claim to have my permission to contact me. This company also attempted to contact me by phone on XX/XX/2017. According to the fair debt collection act : 1. It is illegal for a debt collection agency to contact a consumer, unless it is between the hours of XXXX to XXXX. Since I was contacted on a Sunday, this company has broken federal law. 2. Once a debt has been discharged, it is illegal for a debt collection agency to attempt further debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: U.S. Auto Credit Corporation
State: VA

Complaint narrative:
Account was sold and still being reported as a charge off on my credit report. It is still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: FL

Complaint narrative:
AFNI filed an debt collection account with XXXX and XXXX credit bureaus that does not belong to me. They have not provided any proof that the debt belongs to me and appears that they are violation my consumer rights and statutory deadlines on their collection practices. Please instruct them to remove this error from my credit files because this error is causing me monetary losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions bank does not appear to be following TRID guidelines. We are down to the last few hours for me to sign the CD for my closing on Monday and Regions is very behind. Without going into the demeanor of those of I spoken with or the internal issues they are attempting to overcome, I would like to focus on their TRID process. The Production Manager, XXXX XXXX in the XXXX XXXX, SC processing center will not attempt to obtain a balanced CD for me to sign. He is insistent on sending be an incompete CD for signature which will not be sent until after business hours. Tomorrow, he will work on balancing the CD with the title company with their figures, taxes, government fees and estoppel info. I have been in contact with the Law Firm closing my purchase and they are waiting for Regions Bank to perform. The process should be for Regions to send to the Law Firm to balance figures prior to presenting the CD to me for signature. Estoppel info, if delayed, can be revised during three day wait but the main figures should be accurate. This is the intent of full disclosure to the borrower so that he/she has an understanding of costs associated with obtaining a loan three days prior to signing. Regions appears to be circumventing the spirit of the law as enacted by Congress.

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 2016-09-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
I received a collection notice and called right away. I figured I had over looked it as we have many medical bills. While on the phone I was told there were XXXX additional, much older than the notice I called about. I paid the one notice and said I needed to look at the date for the other one. One of those were for my adult son and could not be discussed with me ( a separate complaint is being filed ). 
I called back and left a message to send me a copy of the other bill. I could find one original bill for the oldest of the incidents, but not other notices or attempts to contact us. 
Though I have paid these, I wanted to make the CFPB aware of the tactics, that I believe are aimed at gaining more interest. Over the year or XXXX these bills have gone without notification or contact until now, they have racked up quite a bit of interest. My son 's bill we are still trying to get verification that it is even his. It is very large and we do have insurance and an FSA account, I see no reason why we would have let them go. One could be over looked, but I find XXXX very suspicious. I just want the company 's business practices looked at more closely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: LPSG
State: HI

Complaint narrative:
Left messages on my phone and my dads stating that I had a complaint filed against me and that legal action would be taken against me. When I returned the call they would not send me proof of the debt said that I had to pay or further action would be taken. Wanted my current addresses and account information. Placed my on hold several times while they made " arrangements '' with the credit card company.. I do n't believe this company is a legimate debt collector and that they are a scam. They are where calling about a card that was closed out 10yrs ago.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: American Credit Resolution, Incorporated
State: TX

Complaint narrative:
Voice mail left using pseudo legal terms to imply that they are taking legal action. ( image of voice mail transcript attached. ) Also claiming to send a " courier '' to my place of employment clearly as a threat to cause embarrassment. 

The left the voice mail on my cellular phone without having permission to contact me via cell. 

I called them back and they refused to provide any information regarding this " debt. ''

Company response to consumer: Closed
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST
State: WA

Complaint narrative:
We purchased a travel trailer from a private party. They paid off their loan with Bank of the West in XXXX XXXX, OR on XXXX XXXX. Bank of the West wrote a letter to their borrower on XXXX XXXX stating they should have their title in about 10 days. It has been 27 days since that loan was paid and we ( the buyer of the travel trailer ) still do not have the title. Totally unacceptable that we can not use something we have purchased.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: MI

Complaint narrative:
I have sent XXXX certified letters to the company requesting more information and they have chosen to ignore my communications and also to not put disputed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: AFNI INC.
State: TN

Complaint narrative:
My personal information was used by someone in my house to obtain a XXXX system. My mother became ill and ended up passing away during this time the bill was turned over to collections to a third party collection company in XXXX. The bill was paid in full just as was promised with my income tax in XXXX. I am a single mother and struggling as it is. I am trying to obtain a home loan and they refuse to remove this from my credit report. They only reported that it was paid in full.

Company response to consumer: Closed with explanation