vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
I received a threatening phone with a voice mail message on Friday, XXXX XXXX 2016. I returned the phone call and spoke with a gentleman and told him not to call my number again. The became disrespectful, and stated that I should pay my bill and that he would not respect my wishes and would/has continued to call my number. The gentleman is calling from XXXX XXXX XXXX XXXX. The gentleman is not aware of my circumstances and should n't assume that everyone 's a dead beat. When I took this loan, I had nearly a {$10000.00} annual income. I 've since fallen on hard times and barely have a roof over my head.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Just finished my XXXX degree. Had to use a credit card to get through some rough financial patches. Was unable to make payments due to lack of income and trying to live on a student budget. Found out recently that a XXXX party has filed a collection lawsuit against me without my knowledge. Apparently this XXXX party ( LVNV Funding , LLC ) " bought '' my credit card debt ( still not sure how that works ) and is pursuing a lawsuit against me using the lawfirm of XXXX XXXX XXXX, in spite of failing to communicating with me in good faith. I have not even received a summons or any official, legal documentation. I recently received SEVERAL letters from random attorneys, which brought this lawsuit to my attention, none of which are associated with the lawfirm that is actually pursuing this lawsuit. I do n't understand how this is legal. I recently began a new job in my chosen field in regards to my degree, so I am now in a position to begin making monthly payments. However, this group of people has robbed me of the chance to make good on my debt and are now seeking to sidestep that good faith and take me to court. It is now my understanding that this has become a common business practice. This is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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: PA

Complaint narrative:
I continue to get phone calls from a company XXXX XXXX, XXXX. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 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: IN

Complaint narrative:
I was contacted by Fair Collections and Outsourcing inc.by phone that I owed XXXX $ to XXXX XXXX XXXX owned by XXXX XXXX on XXXX XXXX. 40 days after my lease ended at XXXX XXXX XXXX XXXX IN XXXXon XXXX XXXX. No prior notice of any money owed was sent during this time prior to the phone call. XXXX collections explained the amount owed was for unknown late fees, unknown damages, XXXX $ unexplained and XXXX $ described as electric re-billing. I was never offerd a final walkthrough inspection of the apartment to check damages. The Electricity was never included in my lease and was my responsibility not XXXX XXXX to pay. After 15 years leasing from this company I am surprised that I was turned over to a collections agency threatening my credit score and rental history without notice and so quickly. On the day my lease ended I was returning my keys ; the Offices of XXXX XXXX in XXXX Indiana were closed. This includes, XXXX XXXX and 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 2015-12-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Summit A*R, Inc.
State: MI

Complaint narrative:
Need to verify debt or have removed from 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 2015-07-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX placed a publication on a non local check and its availability. The check returned and a police report had not been filed for the incident until XX/XX/XXXX. The bank returned all credit card payments in this case Aspire visa. Aspire Visa payment was returned on account at that time local authority 's would not allow a police report to be filed. XX/XX/XXXX a fraud report was taken by the police department. I would like the debit of the credit card corrected. In this case of Aspire Visa in which to a law suit was conducted or the credit card company was a law settlement and for XXXX of the XXXX credit cards a XXXX was filed in debit forgiveness. I have XXXX other Aspire Visa VIP credit card that no legal notice for it has been corrected to my knowledge. I have mailed Aspire Visa letter after letter. All they had sent in return before the police department filed a police report was a debit collections deduction. Wherefore the Police departments police report was filed on account of an identity theft indicator placed by the IRS. XX/XX/XXXX-XX/XX/XXXX:

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: MO

Complaint narrative:
After the car was returned to XXXX back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
XX/XX/XXXX First National Bank acquired XXXX branch offices from XXXX XXXX. As a result of this transaction both our checking account and savings account were automatically transferred to First National Bank on XXXX XXXX. Our mortgage remained with XXXX. 
The XXXX XXXX Bank accounts were established ( XX/XX/XXXX ) as a contingency for receiving a mortgage. One requirement being to have the mortgage payment paid directly from the checking account. The only requirement on the savings account was to maintain a minimum of {$25.00} and all fees were waived. 
At no time were we notified by either bank that this arrangement would change. In fact the mortgage was still automatically being deducted from the new First National checking account. 
On XXXX XXXX we visited our local First National branch to withdraw our balances and to close our accounts. The checking account balance was what we expected but the savings account showed a balance of {$1.00}. I questioned this figure and the teller pulled up the account on her computer screen and explained that the reduced balance was the result of fees and finance charge for the account being inactive. I expressed my displeasure and the bank manager called the branch that was responsible for the account. She spoke with the assistant manager who offered to refund {$10.00} in addition to the {$1.00} balance but no more since we were closing the account. 
As of XXXX XXXX we had not received a statement from First National or any communication about their policy on this savings account. As of this date, XXXX XXXX, XXXX, we have received only a notice of the account being closed. I am expecting to receive an end of quarter statement at the beginning of XXXX which I expect will agree with printout that I received from the teller on XX/XX/XXXX. It showed that the bank deducted {$10.00} " dormant account fee '' on XXXX XXXX. This is a mere 11 days after the account was transferred to First National. This was followed on XXXX XXXX with a {$4.00} " service fee '' and by another {$10.00} " dormant account fee '' on XXXX XXXX. 
This whole thing over {$25.00} may sound petty but First National did the same thing to my daughter and her husband. I suspect that we are n't the only accounts that have been ripped off. This could be a substantial amount of money if they did this with every account that was transferred in the sale.

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 2015-10-14 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: AZ

Complaint narrative:
I hired an attorney to help me validate an allegedly unpaid debt with LVNV/ Resurgent. My attorney has sent requests in writing ; as well as confirming receipt of the request via phone notifying LVNV/ Resurgent that I have hired them, and they refuses to release the validation of debt to my attorney. They state that my attorney is listed as only a debt settlement agency and that they can not send my attorney any information and can only send it to me. I would like LVNV/ Resurgent to only send it to my attorneys office. Please find a XXXX XXXX My attorney faxed in a Power of Attorney to their office stating that they represent me and to release and furnish any information to their office along with a request for validation of the debt. 
XXXX My attorney spoke to a representative who refused to send out the information to our offices because she said that we only represent them as a " debt settlement agency ''. After that my attorney was transferred to a supervisor XXXX XXXX employee ID XXXX who also refused to send my attorney information regarding the validation of the debt. My attorney explained that they were a law firm that is representing me and they still refused to send my attorney the validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
i do not recognize this information this is a fraudulent account that needs to be removed asap as it was opened as a result of identity theft

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
I was in default on a loan XXXX. XXXX Bank sold my loan XXXX, based in XXXX XXXX, CA in 2011. I have continually asked XXXX to provide me with statement indicating my balance and the interest rate that I 'm paying. They do not provide me with anything. I have tried to contact them via the link on their website so that I might have something in writing indicating that I have made this request many times. The link does n't work. I have called and asked for a statement and settlement amount and my " representative '' told me I was rude for asking, he would not give me a settlement amount, and hung up on me. I called again and asked for a direct email address to his supervisor as well as his supervisor 's name. He hung up on me. The balance on this loan does not appear to be decreasing. I have first tried to file a complaint with the XXXX in order to get the simple paper statement and settlement amount I have asked for. XXXX has a D- or F rating with the XXXX and they will not accredit the company. I am at a complete loss as to what I can do. I would like to settle this balance as soon as possible so I can start to work towards improving my credit rating which dropped so precariously several years ago when the economy turned. I can not settle this balance and be done with this collection agency if they wo n't respond to my requests and continue to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
About three months ago, I applied for a XXXX XXXX that was recommended by XXXX XXXX. Upon completion of the application, I was approved online but then I realized that they would deduct half of the amount on the XXXX fees. I called and declined to accept the card and was told that everything would be cancelled. For the last three months starting the last of XXXX, I have been receiving letters requesting payment for this cancelled account. I have called their customer service and they verified that the account was never opened nor activated. I just received another letter requesting payment which I am not going to pay. They have even threatened to report this to the credit bureau as a deliquent account. The individuals name on the letter is XXXX XXXX ( collections Department ). If I receive XXXX more letter from them I am considering hiring an attorney and also filing a complaint with XXXX my state. I am tired of the harassment and I am tired of them trying to get money from me that I do n't owe as well as threatening to report this to my credit bureau as a deliquent account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: NE

Complaint narrative:
afni debt collection company contacted me in XX/XX/XXXX about an XXXX bill that is not/never was mine, dated XX/XX/XXXX 

Appears to be a mail order for a telephone that was delivered to a person with the same first & last name as mine ( very common one ) @ a XXXX address. 

I have lived in different state since XX/XX/XXXX, during which time I have not had an XXXX acct. or purchased anything from XXXX. I so notified Afni, Inc. when I first heard from them, but just received another dunning notice. 

This temporarily affected my excellent credit rating w/ XXXX XXXX before I was even notified of this bogus charge, which is utterly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
LVNV Funding LLC purchased a charge off account from XXXX in XXXX. The original balance was {$11000.00}. This account was never in litigation and I have never been contacted by this company. The current reporting of the account is {$22000.00}, which has doubled since XXXX. I believe the company working the account to be compounding interest/fees incorrectly/illegally. I am trying to settle on the original amount of {$11000.00}. I understand due to the age of the account, legally the company can no longer enforce payment, however I would like to settle to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 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:
Was recently assessed a {$6.00} service charge which I was told was for " paper statements '' I have always elected to receive electronic statements and have never paid a service charge. I asked to have the charge returned to me and was refused. I was told that when the current owner of the bank took over on XXXX XXXX 2016, I had to re enroll to receive electronic statements, which I did. I have never received a paper staement in the mail, despite being charged for it on my XX/XX/2016 statement. I attempted to resolve this over the phone with no luck. I mentioned to their customer service that I would be taking my business to another financial institution. They then said they would have someone from my local branch contact me regarding the issue. More than a week went by without hearing from anyone. I went into my branch today to inquire about it and was told the same thing. " It is not a bank error, there is nothing we can do '' I believe it is in fact a bank error. After not getting a satisfactory resolution, I closed all of my accounts with this bank.

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 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WATERMARK CAPITAL, INC.
State: CA

Complaint narrative:
Looking for refi I responded to ad on XXXX by Watermark XXXX stating " no fees '' with 4 % rate. At initial phone contact, was told there WOULD BE a fee to get 4 % rate but was nominal ( about {$1000.00} ) because " lender '' provided a credit of {$1900.00}. This was on XX/XX/XXXX. Everything they wanted was submitted when requested or within a day or two. On XX/XX/XXXX my loan was " formally approved '' and requesting a few more docs to " comply with underwriting requirements '' ; these docs were sent within 24 hrs or less. On XX/XX/XXXX I got another " congratulations, your loan has been formally approved '' email. All this after I had arranged IRA disbursements, provided bank statements and two years tax returns. 
XX/XX/XXXX email " I should have the clear to close this week '' but now they wanted IRS transcripts which they should have requested much earlier. I have to obtain and provide them. 
XX/XX/XXXX ( approx ) NOW, after two " approvals '', I am told my IRA funds are insufficient and they need more income sourcing ; this was provided. 
XX/XX/XXXX I receive disclosure doc showing lender credit of {$1900.00} has been rescinded and replaced with {$130.00} credit because " rate lock expired ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX someone opened a credit card account using my stolen identity with Continental Finance/XXXX Bank. The card balance became delinquent and was subsequently charged off. I became aware of this fraudulent card account on my credit reports XX/XX/XXXX. XX/XX/XXXX I faxed a police report to the credit card company and requested the removal of the account from all XXXX credit reporting agencies. I have faxed this request dozens of times and made several calls since then, and the account is still not removed from my credit reports. The credit card company has now asked me to send them a copy of my credit report showing the account, even though they have already determined it to be application fraud. Continental Finance has never contacted me in any way to help resolve this issue, and their ongoing inaccurate reporting of the account has continued to damage my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: OLD NATIONAL BANCORP
State: WI

Complaint narrative:
I was a customer at XXXX in XXXX Wisconsin but Old National Bank took over and WITH OUT my permission automatically set up the autopay on items that I LEGALLY had intended not to pay due to findings of a state of wisconsin result of their investigation I now have a -XXXX in my checking account due to reoccurring NSF ... I 'm livid and want this mess cleared up. I also have a feeling old national bank kept me from cashing my payroll check so I starved all weekend. Straighten this mess so I can bank elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
In XXXX I secured a loan from XXXX XXXX which I was paying on every month until I was my employer unexpectedly went out of business in XXXX unfortunately I became unable to make full payments to XXXX because I was on unemployment. XXXX called and harassed me all day, every day until I felt that I had no other option but to file for bankruptcy which i did in XXXX and it has subsequently been discharged. Because of XXXX actions and antics the bankruptcy trustee is pursuing litigation against XXXX which is now called Mariner Finance, and now Mariner is refusing to relinquish my car title and sign the lien satisfaction letter even though the loan that I had with XXXX was included within my bankruptcy. In my opinion they are choosing to further injure and harass me is due to the ongoing issue within the bankruptcy court which I feel should be illegal and unfair business practicing. I have went to their office in XXXX, Florida in person and I have called them numerous of times regarding this matter and the supervisor XXXX continues to be misleading, giving me the run around. The reason that I am trying to get them to sign the lien satisfaction document is because the car has been wrecked and totaled by XXXX XXXX and they are requesting them from me and I am not getting any help from XXXX ( Mariner ) at all. I have called their corporate office in Maryland several times and all you can do is leave messages and " someone will return your call '' but NO ONE from there has yet to return any of my calls and/or messages! I am no longer in possession of the car, the debt was included within the perimeters of my bankruptcy and the car is a total lost. All I am requesting from them is to sign the lien satisfaction document so that I can provide this documentation to my insurance company so they can fulfill their legal requirements to the State or DMV.

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