vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-26 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 Stark Collection Agency, Inc.
State: WI

Complaint narrative:
I have asked for this company to validate debt with my signature on a legally binding contract between their company and me. They have failed to provide me with this information. I spoke to them on the phone on a recorded line and they said they do not have that info. Since they do not have that I do not owe a dime to this company. With this being said they are fraudulently reporting to the credit Bureau. 

I also requested the name, number, and any other contact info of the person who " validated '' that I owe this debt. This information has not been received or provided in their responses.

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 2016-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
An account from and old apartment complex was sent to Fair Collections & Outsourcing , Inc, the company failed to notify me that an account was placed in their office for collections, no letters were sent and no phone calls were made, i had no knowledge of this debt until i pulled ac copy of my credit report and noticed they made an inquiry to view my credit history, i immediately called the company regarding this to get understanding of what this debt was, the representatives were rude, they would hang up on me, they would keep me on extensive holds and their excuse was they had to take multiple calls at once which is completely ridiculous where i could n't even get my questions answered because the reps were rushing me and completely out of character, i disputed the validity of the debt because the charges were absurd and were made up, i immediately contacted the original creditor via telephone XXXX and spoke to a XXXX XXXX who had the correct charges disputed and advised me that she will advised the creditor they need to take a payment plan from me once they received the correct balance updated and someone would reach out to me to set up the payment plan, i confirmed with XXXX that this account owls not be sent into collections as long as i made payments and she assured me that it wouldnt, a few months went by and nobody contacted me by phone to tell me they received an updated list of charges and would be setting up a payment plan for me that would fit my budget, instead i get an email from the credit bureaus stating the account was reported on my credit report, i contacted the company and immediately asked they remove this from my report since i was not given adequate time to even pay this balance nor was i notified they updated the correct billing charges, i spoke to a representative named XXXX who was extremely rude and refused to assist me and told me he was n't removing this from my report, this company has violated many laws of FAIR DEBT COLLECTION ACT, from not notifying me of my debt, to listing items on my credit report without my knowledge of even owing the debt, from being disrespected and mis treated by representatives and having up on me and failing to collect the correct amount due of the balance owed after being instructed specifically by the creditor.

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 2017-02-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Foreclose date incorrect on credit reports. CIT Bank reflects a foreclosure date on XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, and XXXX XX/XX/XXXX. Date of foreclosure deed was transferred to trustee was XXXX and date stamped by circuit court clerk was XX/XX/XXXX. Reflects on my credit report under account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: R.A.Rogers, Inc.
State: TX

Complaint narrative:
Collection agency failed to respond to validation request per Texas finance code TFC 392. In retaliation, agency illegally reported to credit bureau. 

Collection agency is NOT bonded for collection in Texas, thus is unlawfully attempting to collect an alleged debt. 

They must remove BOTH trade lines from credit report or will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING has placed errounous information on my credit report. I have been disputing this information for over 5 years. In 2011 I paid a company to remove the errouneous information, I was able to purchase my home back in 2011 and the debt went away. I sold my home several months back. Now that I am trying to purchase a home for my family the errounous debt pops up again. This has caused me to loose my earnest money, My interest rate is higher causing me hirer fees and it has prevented me from qualifiying for a desirable mortgage product.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a very difficult time with Indy Mac. I have tried to submit for a loan modification. I was never able to communicate to the same person which always caused confusion. Indy Mac always seemed to lose my paper work, which I constantly had to re fax. My loan adjusted last year and was no help or information from Indy Mac.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
my bank has sold my commercial loan denial to numerous secondary, tertiary, and worse lenders. I do not know if this is legal. can you help me?

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 2016-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Vermont Student Assistance Corporation
State: VT

Complaint narrative:
I was unable to make the payments due to low wages for my job choice. I defaulted, brought the loan out of default paid on and off, took many forebearances, adding interest to principal. Since I was unable to make the payments, I believe the lender ( VSAC ) should not have provided all these ( 17 years worth ) forebearances, making my debt even less affordable. I borrowed {$30000.00}, paid back the expected total amount of the loan, but not on the originally anticipated schedule. I now owe, according to the nonprofit lender, an additional amount over {$60000.00}. But, I did make enough payments to pay the total amount I would have paid had I paid on time. I feel this type of situation is not much different from what payday lenders and their ilk do- force people into further debt. Somethings should be done to stop this and allow me at XXXX years old to get this " debt '' behind 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 2016-11-17 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: OK

Complaint narrative:
LVNV Funding is negatively reporting on an alleged debt that is 8 years and 4 months old. LVNV bought this debt and began reporting negatively XX/XX/XXXX. 

XXXX and XXXX have stopped including this report but XXXX still includes the negative reports from LVNV. 

I made a complaint to with the CFPB ( # XXXX ) asking XXXX to stop including this report, and to provide evidence of the debt. They stated that the, " data furnisher ( sic : LVNV ) has verified the accuracy of the disputed accounts, '' and that, " On XX/XX/XXXX, the results summary was sent to of you for review. '' This summary was NOT delivered via email, nor mail. 

LVNV not XXXX have not validated the accuracy of the LVNV to me personally, an alleged debt bought from XXXX and first reported negatively over 8 years ago in XX/XX/XXXX. This debt, and the subsequent claim from LVNV, should thus be immediately deleted from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I had my verve credit card on automatic debit for {$50.00} per month, I had not used the card in approximately 4 months, when I went to use the card, the card declined. When I contacted verve customer service, I was told that I had late charges, return check fees and over the limit Fees. I asked them How is this possible since I am on automatic debit and have always had money in my bank account, additionally I never incurred any charges from my bank indicating that my account had insufficient funds nor overdraft protection fees. The customer service rep could not offer me a good explanation for this. I asked them to review the account and make the proper adjustments and she said that she could not do this. I told her that I would not be making anymore payments and I removed the card from automatic debit. They have placed my account with their collections department and continue to call at least 3 times per day.

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 2015-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
FCO Fair Collections & Outsourcing calling me and threatening me on the phone in collection of {$3600.00}. 
XXXX Apartments in XXXXCalifornia evicted me and my XXXX daughters out of apartment XX/XX/XXXX when l was injured XXXX XXXX in XXXXCalifornia.XXXX 
I was n't been paid properly by XXXX employer and l was XXXX at home XXXX on XX/XX/XXXX. 
I am respectfully on Permanent XXXX Retired XXXX. 
I will send evidence of collections and medical evidence to Consumers Financial Protection Bureau by emails. 
I am on XXXX for stress. 
I am a XXXX Military Veteran and XXXX XXXX XXXX Citizen. 
XXXXCalifornia and Fair Collections and Outsourcing has ruined my credit XXXX. 
I can not obtain a Consumer Loan for my XXXX daughters College Education, XXXX daughters wants to continue their education for XXXX Careers. 
My credit is ruined. 
FCO even sent me a document with a reduction of 50 % to pay {$1800.00} on XX/XX/XXXXI always paid rent on time and me and my daughters XXXX we have been Discriminated and Retaliated by XXXX FCO collections and Outsourcing.since XX/XX/XXXX till Present. 
FCO collections and Outsourcing XXXX in XXXXCalifornia XXXX staff Discriminated.Those Managers XXXX no longer with them. 
XXXX Apartments even hired Attorneys to collect debts and Evictions. 
I file complaints against FCO collections and Outsourcing. And XXXX Apartments. with Federal Trade Commission XX/XX/XXXX 
But nothing was done. 
I will send notifications to President Obama and Congress about Issues XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account. 


ANOTHER SEPARATE COMPLAINT : As I overpaid this account by {$2.00} ( stated as a credit on statement and refunded back to me at a branch ) when I paid account in full and requested an updated statement ; however, today, XXXX XXXX, 2015, I received a statement from Regions Bank treating the {$2.00} overpayment I made as a cash advance and has charged my XXXX balance account {$10.00} with {$1.00} in interest. Just criminal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 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: AFNI INC.
State: MN

Complaint narrative:
I am writing to dispute charges of AFNI account # XXXX that stemmed from past due charge at XXXX account # XXXX. I entered into a bundled package with XXXX and XXXX while living in XXXX, CO during the time frame between XX/XX/XXXX and XX/XX/XXXX. We moved to XXXX XXXX in XXXX XXXX and transferred our XXXX account at that time ; however, XXXX did not provide service in XXXX XXXX so we had to terminate the service which we did in XXXX XXXX. We paid our final bill upon leaving XXXX ( which was combined as XXXX bill with XXXX ) and then began paying XXXX XXXX directly. In XXXX XXXX, my agency ran a credit check and I was notified of a delinquent balance that was owed to XXXX. I had never received a bill or notification of this bill of any sort. Although I disagreed with the billing because I knew we paid our final bill, I paid the past due balance. The agent confirmed that our mail was returned and assured me that this would be removed from my credit report given that I had never received a bill. 
Although I thought the issue was resolved, yesterday I received a call from my agencies security personnel who asked me about a past due charge from XXXX. I explained the situation and they ran a new credit check to see if it had been removed. They notified me that a {$150.00} past due account was still showing up on the credit report. After multiple phone disconnections and well over an hour of being on hold, I spoke to an AFNI agent and explained the situation. They confirmed that the prior bill had been removed from my credit report, but informed me that there was another account with past due balance of {$150.00}. I was not informed of this in XX/XX/XXXX and, again, have never received any form of notification of this past due balance. Additionally, the AFNI agents were unable to detail what the charges were for. 
I am disputing these charges as I know I paid the last bill in the billing cycle prior to moving and I just paid an additional {$120.00} in XX/XX/XXXX. I do not believe the current charge is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2015 I visited XXXX XXXX Used Car Dealers at XXXX XXXX XXXX, XXXX, XXXX XXXX with a pre-approved {$20000.00} check in hand to purchase a XXXX used Nissan Altima. The sales person ( XXXX ) asked if I wanted to cancel the {$20000.00} pre-approved check from my credit source and apply for a new {$20000.00} loan through XXXX XXXX for perhaps a better interest rate, My answer was no, " I do not ''. This queston and aswer was repeated 5 or more times with the same answer by both parties. I completed paper work to purchace the XXXX XXXX and a day later discovered XXXX XXXX had removed the warrenty and failed to dusclose the vehice had been in an accident. I also discovered XXXX XXXX had illegally slammed my credit report with an inquiry. This illegal inquirey was enough to cause EQUIFAX CREDIT BUREAU TO LOWER MY CREDIT SCORE. I filed a dispute with Equifax and XXXX XXXX and neither will process the dispute to remove the illegal inquiry on my credit report. I also sent written complaint toXXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. My credit score remains lower than it was before XXXX XXXX illegally slammed my credit records. Can you please help? Contact Information : XX/XX/2015 Equifax Information Services LLC Attn : Dispute Department P.O. XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have over {$250000.00} Goldman Sachs Bank Saving Account. This account was blocked due to a divorce case and waiting for settlement. Now the case is ended and the court ruled out this account belongs to me. I sent this CERTIFIED JUDGMENT ON XXXX ISSUES to : GOLDMAN SACHS BANK XXXX XXXX. XXXX XXXX XXXX XXXX XXXX As per Goldman Sachs Bank requested, I sent the original certified court order and it was delivered on XXXX. I called them on XXXX and spoke with XXXX of their associate. She told me it takes up to 7 days to process. The next day, I call them again. This time I spoke with the manager, XXXX XXXX. He stated it takes up to 30 days to process. I told him XXXX XXXX and XXXX at the local branches here ( XXXX ) take only 2 hours for their corporate legal department to unblock an account. Why Goldman Sachs Bank takes that long? I suspect Goldman Sachs Bank uses my money for trading and the funds are not available to pay me back. 
I guess next month if I call them, they will tell me it takes another 30 days and so forth ... 
I am unemployed since XXXX XXXX, XXXX. I need money to pay back to my relatives whom I borrowed money from. I need money to pay my rent ( I live in a mobile home park ), property taxes, and foods for my family and I need to use the money to invest in XXXX just in case an economy crisis or inflation. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On the morning of XX/XX/XXXX I went online to make a transfer from my savings account into one of my checking accounts with Regions Bank. I noticed in my online portal that there were some pending charges. I also noticed that I was assessed an overdraft fee of {$100.00}, however, the balance at the time the fee was assessed was not negative. I completed my transfer and called to get clarification. The representative told me that while the pending charges had not been taken from my account ( or even been requested from the merchants ) they had preemptively applied them to my balance, thus creating a negative balance and charging XXXX separate overdraft fees to previously made transactions that had already posted, even though the balance after these transactions was still positive. I was rather confused, because this same policy is not applied to deposits, even if transferred with another account within the same bank. When I pushed the issue, I was told that my banking portal was not the same portal that the bank uses, and therefore they were seeing charges and assessing fees based on their interface. Basically, while customers have access to the transactions on their account right away in the portal, the online interface does not calculate balance in the same way that the associate interface calculates balance. So, while customers see that transactions have been covered with a running, positive balance, the bank sees something different. This is deliberately deceptive and misleading. Although the bank claims that this online banking interface is just a " tool, '' the fact that they do, in fact, have access to information that they are not updating in the portal leads to issues with customers ' understanding of their bank balance, especially when transactions are posted in the customer portal in such a way that it appears that the balance available is still positive. Assessing fees based on projected fund withdrawal, while not counting projected funds deposited is unfair and, at best, questionable. I would be interested to know how much money Regions bank has stolen from customers by assessing fees based on projected account activity. If this is their policy, then all customers should have access to the same account information through a comparable interface, rather than one that is intentionally set up to confuse and manipulate the customer. Surely, this ca n't be a fair and ethical practice.

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 2017-03-22 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: GA

Complaint narrative:
Afni, Inc. has placed an account that is unknown to me on my credit report. I filed on online dispute with XXXX on XXXX XXXX, XXXX however, the account is still updating and reported as 90 days late as of XXXX XXXX, XXXX. In the dispute I asked Afini to validate this debt, they are still illegally updating after I asked for validiation. Afni is illegally reporting this account to the credit bureaus and my creditors. First of all, the account is reporting a " One Month Term. '' What terms and agreements did I sign and agree to when Afni debt collector purchased the debt? None. 
The account is reporting as " 3 months late ''. How can this be? Collection accounts are not like original creditor accounts. Consumers do not open an account with a collection agency and promise to pay monthly payments. Afeni is NOT reporting the last status from the original creditor and they can not update lates on a monthly basis. 
The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, " ... A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' This account is showing a XXXX XXXX reporting date.

Company response to consumer: Closed with explanation