vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: SC

Complaint narrative:
Nationwide Biweekly, whom you already have a lawsuit against, stopped paying my mortgage without reasonable notice. They did not take money for the mortgage payment without returning it, and paid the mortgage until XXXX 2015,. They sent me the check for the XXXX payment when they said the bank did not process the check they sent them, but I was unable to reach anyone at that time to find out why they sent me the check. I received a notice from the bank who has my mortgage at the end of XXXX, advising me that I had not made the XXXX payment, and that late charges were being added. After a couple of attempts, I was finally able to talk to someone at XXXX, who said that they had suspended all accounts because they had lost their relationship with their banks. ( They blame you!! ) I asked if they were going to refund my fees, since I did not ask that they stop and was not informed that they were stopping. They said no. They clam to have tried to email us, but the email address they said they used has not been valid for years. They should have received a failure notification regarding the email. They did not call the phone number on file, which we still have, or send a mailed notification to the address on file, which we still live at.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I lost funds due the bank show that i had the funds availableand the them charging me an overdraft fee on numerous occasions over many years

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I took out an Auto Title Loan from LoanMart and received {$8000.00} ( includes a {$19.00} XXXX fee ). I paid LoanMart back {$9300.00} on XXXX XXXX, XXXX. I had the loan for 78 days and in the interim, I also paid two payments of {$840.00} to LoanMart. In total, I received {$8000.00} and paid {$11000.00} ( {$9300.00} + {$840.00} + {$840.00} + {$19.00} XXXX fee ) or {$2900.00} ( less {$19.00} XXXX fee ) in interest. I estimate that LoanMart overcharged me {$1700.00} and LoanMart refuses to tell me how the {$2900.00} in interest was calculated and how the {$9300.00} payoff amount was determined. 
On XXXX XXXX, XXXX, I paid off my car title loan of {$9300.00}. I had to call LoanMart for my payoff amount and was told it was {$9300.00}. I asked them how the {$9300.00} was calculated and was told they did not know, but for every day I delayed payment, I would be charged a daily interest rate. I paid the amount LoanMart said I was required to pay and called LoanMart several times to determine how the interest was calculated. LoanMart could not tell me how the interest was calculated so I wrote a Certified letter to LoanMart for an explanation. LoanMart received my letter on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX they have still responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XXXX, 2014 we obtained a mortgage loan from Capital One 360 Mortgage Co. One of the account holders is prohibited from accessing any monthly loan statements or other statement whatsoever. The loan is in the joint name of a husband and wife. When attempting to access statements the wife has been refused access to any statement and was told that only the husband may access statements and that he has to have a separate sign in and access code. The wife is the person who initially obtained the loan and handles payments and maintenance of the account. 
Capital One is practicing blatant discrimination against the wife, requires separate access to the account by each mortgagor, and all contact with customer service agents and corporate officers has not resolved the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX

Complaint narrative:
My daughter owns this money not me I already talk to them, they said they were going to remove this collection from my credit score they have not done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
We obtained an equity line from Regions Bank in XXXX, 2016. We were n't given the loan documents prior to signing them and still have not been provided with executed copies. We were told on more than XXXX occasion by the loan officer prior to signing the loan documents that we would not have to pay a {$1500.00} prepayment penalty if we closed the equity line within two years, if the reason for closing the equity line was due to the sale of our home. We recently sold our home. When we ordered the payoff, Regions included the {$1500.00} prepayment penalty in the payoff. We then spoke to the loan officer who confirmed that he told us we would not be responsible for the prepayment penalty if we were closing the equity line due to the sale of our home. He said we should n't be responsible for the fee and would work to get it waived. When we did n't hear back from him, we spoke to the area Vice President. Despite confirming the representations made to us, the area Vice President said Regions refused to waive the fee.

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 2016-03-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Aldous & Associates, PLLC
State: NC

Complaint narrative:
I spoke to Aldous & Associates " Attorneys at Law '' I have been getting harassing calls since XX/XX/2016.. Today I called in wanting to inquiry the validity of the debt requesting more information man named XXXX identified himself as the supervisor was very rude, kept demanding balance in full before verifying validity of debt. He was very argumentative, denying me speaking to someone else, denying request for validity of debt. Verified wrong address, would n't let me discuss kept saying well that 's what fit for life sent us. XXXX also denied me speaking to another supervisor, was over talking me, I could n't believe a person representing this company speaking to me in the tone he did, it really surprised me knowing he represents attorneys at law knowingly and willingly violated several laws regarding collections..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BOGMAN, INC
State: MD

Complaint narrative:
I have started going through a hardship since me divorce was finalized in 2014. My ex husband stopped paying half of the bills like we were both accustomed to doing. I lost my XXXX after Making Healthcare Affordable Act was passed because those employers needed to make sure everyone had coverage or they had to pay a fine. After the last unemployment term for 2 weeks, I found a job working at a XXXX XXXX making {$XXXX}. This salary barely covered filling my car 's gas tank weekly. I was able to pay certain bills but not all of them. After working there for 4 months, I found another job making more money. I started getting caught up on the bills and 3 weeks later, the job ended. I found myself unemployed for two more weeks. I did finally found a job making more money and now i am trying to get back on track. I had did a Loss Mitigation package three times and every time I leave voicemail messages for the XXXX contact people I have, no one never returns my calls. I need an answer because I want a resolution that will be fair to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I recently received a letter dated XXXX XXXX, 2015 from " REAL TIME RESOLUTIONS, INC ''. The letter states I owe a debt of {$3200.00}. The letter states the creditor is XXXX XXXX XXXX. 

On XXXX XXXX, 2015 I sent a certified letter to REAL TIME RESOLUTIONS, INC informing them I have no loan agreements with XXXX XXXX XXXX and I do not have a loan debt in the amount of {$3200.00}. I requested any future contact regarding this matter be in writing. 

A XXXX search reveals both companies are supposedly owned by a man named XXXX XXXX XXXX. I have not had any direct business dealings with this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 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: TN

Complaint narrative:
Discovered a collection account # XXXX XXXX XXXX XXXX on my credit report. Mailed a certified validation letter to Resurgent Capital Services/ LVNV funding dated XXXX XXXX, 2015 and signed for on XXXX XXXX. Received a letter dated XXXX XXXX that an investigation was initiated on my behalf. I have heard nothing else from them. The validation of this account was not completed within the 30 day period allowed by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
I received a call from XXXX XXXX XXXX XXXX ( XXXX ) and agreed over the phone to have them consolidate and service my student loans. 
The next day I decided that it was a bad choice and overnighted a termination ( within 72 hours ) of the contract which I had signed the previous evening. 
The letter was un-deliverable to the address on their letterhead ( I have XXXX log of delivery and call attempts ) nor does anyone answer the phone that is also on the letter head. I have a copy of the letter as well as the un-opened package that XXXX was unable to deliver. 
Soon after they started to bill me for their services. I sent the log of the delivery attempts to the service ( XXXX XXXX XXXX XXXX ) they were using to collect payment. They agreed that I had done everything correctly and I received no more bills. 
At some point my student loans that were being services by XXXX XXXX were paid off. 
A couple of weeks ago I received a notification that I had late payments on my student loans. From the credit report I found where the loans went to but I had no access to the accounts. 
XXXX ( XXXX ) transferred my loans and created a new promissory note in my name. The note had their address and their telephone number. They sent me a XXXX for student loan interest which was also delivered to their address. 
They created a new loan with a promissory note in my name, affected my credit report which directly affects my work as a contractor with the Federal Government. 
In addition the address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ) that they are using and that also appears on my credit report is associated with multiple counts of fraud which are now related to me when running criminal reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NH

Complaint narrative:
I have contacted this company by mail numerous times requesting verification of debt or removal from my credit report. They have still not conformed and sent me proof.

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 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Unknown derogatory account has appeared on my credit report by Real Time Resolutions. I have not received any information in regards to validation of this debt. I contacted them and was told I would receive a letter in the mail within 30 days in regards to the claim. I have not received anything 2 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NE

Complaint narrative:
Someone signed my name and used my information to obtain a lease for an apartment. I filed a police report, filed a fraud report with the FTC, filed a dispute with the collection company and notified the apartment complex but they still insist the debt is mine.

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 2016-03-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
Hi, My issue with this credit card company is that i lost my credit card and I call customer services to speak to a representative who can help me and provide me my account number since I 'm trying to pay my total balance through a loan that i recieve and after they verify all my information they will not give me my account number, I went online were i have a user name and password to view my account, pay bills, etcs and not even in there i can get my account number, all other campanies can provide you with you account number after verifying that you are the account holder, but this VERVE credit card is very shady. 
I need my account number in order to apy my balance through a 3rd party.

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 2016-03-04 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: OH

Complaint narrative:
XXXX/XXXX/XXXX, recieved summons in XXXX Court stating, I owed XXXX dollars plus interest from XXXX XXXX, XXXX, XXXX and XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Copy of the complaint had wrong address on it. I called and spoke with XXXX XXXX/XXXX/XXXX @ XXXX, XXXX and XXXX, Explained that this was not my address and that I had never lived in XXXX Va and that I had never taken a card out with XXXX XXXX Bank, ever. He stated that they reseached and it came back to me and my address. I told him this was not me and this had to be someone else, Identity theft.He stated it was me and that he would send the information. Giving me case number XXXX and phone # XXXX. 
I pulled my credit report, XXXX/XXXX/XXXX, wrong addresses, diviation of ss #, and entries from LVNV ( debt buyer ), XXXX XXXX Bank, XXXX/XXXX/XXXX I called XXXX and disputed the inaccuarate info. I called XXXX bank and spoke with XXXX who could not find and info at all.. 
XXXX/XXXX/XXXX XXXX, XXXX and XXXX asking for XXXX, giving my #. XXXX stated that XXXX was not in, she could help me, I told her I had not recieved any forms and she stated this debt originated from LVNV. I told her I had never heard of them as well as I had contacted XXXX and this was Identity theft. 
XXXX contacted XXXX At LVNV he stated I did owe the debt, tht i had made a payment of XXXX dollars, I asked when he could not tell me he told me to call XXXX XXXX XXXX, I did spoke with XXXX XXXX he again sending packet, I again stated Identity Theft. 
I sent answer to XXXX XXXX Court ( Date Marh XXXX ) I filed police report XXXX/XXXX/XXXX, as well as Identity Theft Notification form XXXX XXXX, as well as Identitiy Theft Victim 's complaint and Affidavit. I also as instructed sent disputed account-notice to furnishers to LVNV, XXXX XXXX Bank and XXXX XXXX XXXX enclose ID Theft Affidavit, proof of ID ... .... 
Only one I Have heard back from is XXXX XXXX Bank stating I am not responsible for any previous or further balance occured on this account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
Regency finance came to my house twice now and threatened me with wage garnishment. If I did not pay. They call about 10-15 times a 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 2016-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I was contacted by Fair Collections & Outsourcing several years ago about ( XXXX ) accounts that they claimed belonged to me and stemmed from the rental of an apartment at XXXX in XXXX, GA. The collection agency placed these accounts on my credit file at that time. I contacted the agency t make them aware that this was as a result of identity fraud, completed a fraud affidavit packet and also forwarded a copy of my police report that detailed the fraud. At that time several years ago the accounts were removed from my credit file. Just recently I found that Fair Collections & Outsourcing re-reported these accounts even though I had gone through the process of completing the affidavit, and providing the police report. They improperly and re-inserted a previously resolved claim. I have notified them again that these were previously resolved and addressed and they claimed to have no knowledge of that but they were removed from my credit files several years back. This is an ongoing fraudulent attempt to collect a debt that they know fully well I do n't know. When I caled most recently to try to discuss the representative told me that even though it had been deleted and previously resolved the original creditor had decided to continue to collect it and that that had to honor their clients request even if it was a fraudulent account.

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 2016-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: PR

Complaint narrative:
Received a letter addressed to my ex-husband at my current home address asking him for a settlement on a debt. We have been divorced for over 10 years.

Company response to consumer: Closed
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Disappointing experience working with fair collections and outsourcing ( FCO ) Called to settle payment after receiving 60 % off offer. Was told they would honor XXXX % today since original offer was expired. I asked to speak to a manager. The manager let me know they would ask the debt collection company and they had no abiltiy to offer more than XXXX % without the clients permisssion. 

The agent I spoke to that day was XXXX XXXX and the manager was XXXX XXXX. 

The following day, XXXX XXXX, 2016, I called for the status and was told the client had not gotten back to them. I mentioned that I would just close out the debt at XXXX % and XXXX XXXX said he could no longer offer that amount. I asked to speak to a manager and was put in touch with XXXX XXXX. He told me the agent overlooked my file and his offer was misstated. I questioned this since it seems odd that both the agent and a manager overlooked this yesterday. He mentioned the call was recorded which would highlight that both parties offered XXXX % the prior. I asked to speak to a director of XXXX manager to share my concern that either the team had poor quality control practices or was engaging in dubious negotiation practices. I was told no one was available and to wait until they hear back from the client and they would let me know status then.

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 2015-03-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was charged a fee both when I spoke with XXXX XXXX, and XXXX XXXX, who overnight changed the mortgage number, and gave the file to IndyMac mortgage service, who after XXXX cleared the way for everybody to remain in their homes charged another modification fee. I agreed in order to keep a home whom was not built by these people but my mother.

Company response to consumer: Closed with explanation