vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-19 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I found out I owed a debt after I moved to a different state. A collection agency contacted me and said if I paid {$75.00} the debt would be cleared from my credit and resolved. This was in 2011 XXXX XXXX and Resurgent keep reporting the debt and are harassing me for additional funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-27 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: MRS BPO, LLC
State: CA

Complaint narrative:
I had an issue with XXXX Wireless.  It got nasty; I wrote a letter to the XXXX, sent a copy with a note to the President XXXX.  The result was that all the XXXX billing was taken away, and I got a XXXX+ credit on my Wireless account.  I suddenly got a letter from MRS BPO, L.L.C. stating they were collecting XXXX for XXXX.  No one at XXXX knows anything about it. My current bills do not indicate the amount. I don't want my credit ruined by these people and no one knows who authorized the collection agency to come after me.  XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have received debt collection notices from a number of agencies for a credit card debt that I do n't owe. I have sent inquiries regarding documentation connected with this debt and have been ignored several times which prompted a new collection agency to contact me regarding this debt despite assurances from some of the agencies that contacted me earlier that I was billed in error ( different middle name ) and they would resolve the matter. The latest collection agency only gave me the option of filing an identity theft complaint form despite my informing them that this is n't the case! I wish to make a formal complaint to all of the associated parties and the original company that issued the debt notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I have requested information/validation on the debt bearing my signature from CONTINENTAL FIN CO acct # XXXX on XX/XX/2016,XX/XX/2016,XX/XX/2016. They have not responded to any of my letters nor have they provided me any validation. They also have not requested that the XXXX major credit reporting agencies add a statement of dispute to my credit files. They have violated the law by not responding or adding a dispute statement to my files.

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 2015-09-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Signed a Lease for XXXX XXXX printers for our little home business. ( details can be provided ) At the same time we signed a legal binding Contract for and investor in to our business that ended up being a scam but we were still under contract. Having been scammed we had to default on the lease which had been sold to CIT XXXX. We returned the machine within 18 months as that is when we found out we were scammed. Machines returned in 100 % perfect working order. Today they want {$120000.00}. They have had the machines for over a year we offered to pay the delinquency of {$14000.00} plus attorneys fees. We need to close this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: MT

Complaint narrative:
I have been receiving multiple calls from several numbers claiming to be from Concord Resolutions. They say they will not give me any information until I verify my SSN with them. I asked for the debt information and their address. They told me New York State and then when I asked again that they were in XXXX but refused to give any further information. When I requested that I get validation of the debt prior to speaking with them further he hung up on me. Calls from XXXX. I know what debts I owe and this is not a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Received at my home address a collection notice addressed to somebody who does not live here. It was addressed to one XXXX XXXX, but no such person lives here. Worried this dishonest debt collector might next try to attach negative information to my credit report of my son 's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
My wife died on XXXX XXXX 2016. Soon after this various checks and debit transactions began hitting my account and they were not incurred by myself. During this period my dead wife 's XXXX card and some checks were taken without my knowledge. During this period I was under a tremendous amount of stress and did not catch them at first. When my eldest son ( he has POA over me ) brought them to my attention I contacted the bank IMMEDIATELY! Then my bank ( formerly Metro Bank ) First National Bank of PA I received somewhat of a run around about POA papers for my son and that by the time they looked at my account ( seemed to be a lot of foot dragging ) that more than 60 days had passed and that they were no longer responsible for the bad charges and while police were notified about the thefts from my account the bank stuck to their 60 day claim and I have yet to see picture XXXX of any of the transactions that were committed including ( XXXX ) XXXX checks in approximately 2 weeks. I was returned {$1100.00} but I feel this is totally inadequate and I want the guilty people prosecuted

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 2016-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Utah System of Higher Education
State: OR

Complaint narrative:
I have submitted a request to my loan servicer Utah Higher Education Assistance Authority for income based repayment by faxing an IBR request form to them. The Utah Higher Education Assistance Authority has not acknowledge receipt of the request and is still claiming I have a delinquent balance. I want UHEEA to honor my request and check my elgibility for income based repayment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: MA

Complaint narrative:
My mortgage terms have changed from what was originally agreed upon. The lender has added Pmi which previously did n't exist and inflated my rate substantially. My loan was signed in XX/XX/2015 and has increased 300 $ a month that in no way aligns with my taxes in the area. The mortgage company will not give me straight answers or even give me payment coupons. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello. Please assist me in resolving an operational defect by Pentagon Federal Credit Union. I have a single auto loan product with PFCU. I initiated a single loan application in XXXX 2014. However, PFCU initiated XXXX separate hard credit inquiries on XXXX separate dates ( XXXX XXXX and XXXX XXXX ). I assert that there is no valid business need for PFCU to initiate separate hard inquiries within XXXX hours to decision my credit worthiness. This PFCU defect is more likely than not to adversely affect how the NCRAs score me. This is a defect under FCRA. Please take affirmative steps to assist in remediation of this defect and communicate your response. 

Sincerely, XXXX XXXX XXXX : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Creekside Recovery And Capital Management
State: TX

Complaint narrative:
I received 2 threatening voice mails over 2 days. On day 1, the man stated that his name was XXXX XXXX and that he was assigned to my area to deliver sealed documents and that he would be coming to house tomorrow and I " better make myself available and that he will seeing me soon ''. On day 2, the message said, " ( My Name ), I 'm coming to your job right now, I will talk to your supervisor or HR, then go to your house or relatives house to find you. You will answer the door and accept the documents or it would be documented that I am refusing ''. I XXXX the phone number that was left in the messages for me to call back, XXXX, and there are COUNTLESS complaints online from numerous consumers all receiving the EXACT same threatening messages. I decided to call the number and was very upset. Number connects to a company called Creekside Recovery and Capital Management, then connected to me to a woman. I was very upset and told the woman that I received threatening calls from her company, and I could not believe the behavior exhibited by the caller. The woman rudely replied back, Ma'am, Ma'am, Ma'am, is this " My Name ''. She obviously had caller ID, and when I said, yes, she told me I was being sued, but did n't go into specific details. I told her that was ridiculous and that they were to never call me again, and told her that I already reported them to police and FTC. She then hung up on me. 

Please do what you can to stop this. I have never in my life, felt so threatened. I still have the voicemails and played them for the police, who told me to ignore the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
I have about a stacks of letters about other people 's information that the company Gurstel Chargo send to me wrongly and I never received my information correctly. Gurstel Chargo has it wrong with my identity. I have send you overwarming information in the past but they choose to go ahead with erroneous information. I took a picture of the information of other clients they mistake me for just to prove they have it wrong. Gurstel Chargo are spamming other peoples sensitive and financial information. I sent picture and police report to prove that is this a mistaken identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Solutions is a collections agency. They are not the original creditor to whom the debt was owned. I have disputed their reporting to XXXX, XXXX and now they are reporting expired debt that has passed the 7 year reporting time to XXXX. On XX/XX/XXXX their reporting of XXXX XXXX for {$68000.00} expired. XXXX removed it from my credit report. However on the same date that the date expired, XX/XX/XXXX, Real time solutions reported it as new debt. XXXX did not check the report and my credit score dropped XXXX point. 

I had problems before with this company. They do not report credit history debt. After I dispute their information being reported and it is removed, Real Time Solutions report it again as new debt. The credit Agencies do not check if this has already being previously reported, and removed. The data is taken as a new report and reported against my credit history. Real Time Solutions need to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Utah System of Higher Education
State: MN

Complaint narrative:
My educational institution, XXXX XXXX XXXX XXXX XXXX XXXX, initiated my repayments in XXXX through UHEA ( XXXX ). At that time, I owed approximately XXXX, XXXX dollars. Through a deferment, inability to " communicate '' with XXXX, getting conflicting information from them when they would respond, there total lack of cooperation in providing statements and other loan specifics as well as my own ignorance in just refusing to deal with them or my loan for about 2 years, I have since paid approximately XXXX dollars to them and still owe them approximately XXXX, XXXX dollars. I am nearing retirement and do n't feel I can maintain these payments much longer as I will not have the money. It trying to work with them to settle the loan, I received but rude and degrading comments. I am at my wits end about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ARVEST BANK GROUP, INC.
State: KS

Complaint narrative:
All around XX/XX/XXXX hard inquiries XX/XX/XXXX popped up on my credit report that i did not arthories they tell me to call the creditor the creditor say theres nothing they can do and the credit burea say the same

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Company is reporting multiple accounts on the same dept that ca n't be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 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: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
XX/XX/2016 I contacted the collection agency to request validation of the debt they are reporting on my credit report. I was unfamiliar with the balance due and the dates listed as delinquency so I demanded statements showing my balance due and my failure to pay the alleged debt. I requested a cease of collection activity until that information was furnished. 

The company has failed to respond with any information to validate the debt they are trying to collect from me but are still reporting the information to my credit report. I am in the process of acquiring a business and this erroneous credit item could greatly impact my ability to obtain financing and impede on my ability to earn a living.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
FCO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FCO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FCO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am having to submit a new complaint for Regions Bank - please see original complaint [ Case number : XXXX Below is my new complaint ( following my previous complaint ) : Initially, I filed a complaint ( with you ) against Regions Bank - and they ( initially ) investigated the transaction and refunded our {$590.00} back into our account - and also sent a letter to you ( CFPB ) confirming that our funds were reimbursed. However, recently - this bank has gone back and reversed this transaction and again took/debited {$590.00} from our account. When we called them on the phone to inquire - they stated that it was because someone overlooked our " supporting documents '' for this transaction ; then they apologized and assured us that they would " most definitely '' place the funds back into our account ( within 1 to 2 days ). However, these funds have not refunded. When we called to inquire about the delay with our refund, we were informed that although there are supporting documents to validate our claim - that they have " changed their minds again '' and suggest that we " go to the merchant '' When we explained, that the " merchant '' should have never even been permitted to take these funds in the first place, since the bank had been notified " prior '' to the merchant 's transaction ( that the merchant WAS NOT AUTHORIZED ) - and also that their bank had cancelled and shredded our debit card to prevent this transaction from happening ... ... a representative from their " Consumer Solutions '' department ( kindly, and without hesitation ) filed a written complaint on our behalf and " escalated '' it to another department. In the meantime, we are patient and inconveniently waiting for these funds ( {$590.00} ) to be placed back into our account. ( PLEASE VIEW ATTACHMENTS - " Regions documents '' ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: OH

Complaint narrative:
Been a customer with Nationwide Biweekly Administration for a year. I have lost money in this process due to set up fees, etc. Since your company has sued this company my account was suspended and will be looking at terminating my relationship with this company. I am out more money than I have saved with this program against what they promised me and it is no fault of mine that this company is now suspending business practices. I would like the set up fees refunded to me ASAP. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XXXX XXXX, 2016 I requested a transfer of {$2000.00} from my saving account ( XXXX saving XXXX ) to my checking account ( XXXX + XXXX checking XXXX ) I was told I could not make this transfer because there was a hold on my account because there was no signature card on file. 
REGIONS BANK CUSTOMER SERVICE e-mailed me a blank signature card and requested I have it NOTAEIZED and e-male it to them ( attached ). 
I complied with this request ( attached ) 3 times each time I was told to go a local branch I live in XXXX there is no local branch so I mailed the form with a return recipe ( attached ). I was told this was a copy and not accepted. and sent another form I had that form NOTARIZED and mailed to them. note : raised stamp is not required in VIRGINIA I have had a checking account with Regions Bank for over 15 years.

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