vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-31 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: IL

Complaint narrative:
Hi It was surprising to hear when FCO collection department called me up and started saying I owe $ 5300+ amount for XXXX XXXX XXXX XXXX, XXXX NY XXXX I did tell FCO I do n't owe any amount, I did pay additional {$1000.00} while leaving the apartments before lease breakage and informed that I will share all evidence documents, which I did send on XX/XX/XXXX, after that I told them whenever they contact me do send email communications but never heard back after informing to send emails I shared the Voice recorded message, document that I had signed and shared with XXXX XXXX XXXX , never got response back from collection department. On XX/XX/XXXX No damages were informed by XXXX XXXX XXXX when I called them XX/XX/XXXX and collections department was saying different messages every time they call - I did ask for evidence none of them I have been received I did pay {$300.00} as non-refundable amount which covers for the apartment damages if any I do have evidence documents of lease breakage, voice recorded for the agreed amount proof for {$1000.00} as lease breakage Initially XXXX XXXX XXXX XXXX Manager said for lease breakage pay amount of {$2400.00} ( attached the copy shared by XXXX XXXX XXXX via email ), later after negotiating she agreed for {$1000.00}, the same amount I paid off and left the premises. I left when Leasing office is open and communicated properly before leaving, handing over all keys, shutting off water, Electricty, Internet at XXXX all the information. 
Even while leaving the premises, handed over the letter took the copy of it ( original is with XXXX XXXX XXXX ) XXXX/XXXX did say " you are good to go '' if any amount is due they would have told me on that day itself there was amount for close to $ 600+ for apartment damages which they were mentioning I did ask for proof but never heard back, I told them based on the evidence document and further evaluation I will pay any differential amount if it exceeds {$300.00}, as I did pay {$300.00} for covering the same to XXXX XXXX XXXX apartments. 
I tried reaching XXXX XXXX XXXX apartments manager last week and left Voice message never heard back as well Request you to please have this issue closed as soon as possible

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 2015-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX solutions sent a wage verification form to my employer I called them to find out what was going on I asked for verification of dept as I think it was already paid and was told they do not have to verify anything and there will be no settlement with them if I keep asking so they want me to pay them XXXX and I have no proof I owe anything this is not on my credit report and from XXXX XXXX XXXX card taken out in 2002 I am trying to go over my paperwork to see if it was paid but they are now threatening to garnish my wages

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Emerge Credit Card has been charging me 29.99 % interest on a card I not used for over six years. I voluntarily closed the account and have only been paying on the balance owed. However, it seems to only have decreased by about {$2000.00} on the principal over those six years. I need to get them off my back. I am XXXX veteran on set income. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
the creditor has approved to settle my account at 60 % of the {$150.00}. I pad them the {$94.00}. THATS THE 60 % .BUT THEY STILL SAYING THEY WHAT MORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Concord Resolution Inc (Closed)
State: LA

Complaint narrative:
These scammers keep changing their number and keep trying to get me to return their calls. They call multiple times a day to my job and to my cell phone. This is harassment and I want the calls to stop. Someone named XXXX XXXX keeps calling and leaving messages saying to call him at XXXX. I do not owe anyone any money. Please make the phone calls stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Stark Collection Agency, Inc.
State: WI

Complaint narrative:
My wife and I have a home loan, but NO OTHER DEBT. We are not only current on payments to our loan, but lucky enough to be able to pay extra. 

XXXX Debt collectors keep contacting me and threatening me that I have outstanding debt and that they are going to take our home, but wo n't give any information to me unless I give them personal contact information. 

I did NOT give them any information, so I do n't know the nature of the false debt or whether someone else is fraudulently using my name. I ca n't tell if THEY are the scam, or someone else is using my info to rack up debts. Please help! 

The number they used is XXXX extension XXXX THANK YOU for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
I regularly make on time payments online to the credit card " XXXX '', fromantic XXXX. For some reason, a payment I made online in XXXX was not taken from my bank account. When I called to find out what had happened, the employee I spoke with said he saw the payment and to " give it a few days ''. So, I waited, and saw that it still had not withdrawn. I called back and the employee I spoke to asked which website I paid on. Apparently, according to him, they sent out emails that the website changed. I received no email, and told them I ticked on the card 's site " Paper Mail Only '' option. He said that the company decided to send emails because it was " so sudden a change ''. Yet, I was still able to make payments online on the old site. Unfortunately the payments did n't take. There were no disclaimers or notices on the old site that they changed addresses. The employees I spoke with previously did n't even mention the site change. I disputed with them, and they eventually admitted fault and refunded my late fees and took the payment. However, the credit reporting was reported as over limit with a number that did n't even reflect my balance. I called to dispute it again, and they said it would be taken care of. As of XXXX, nothing was done, and the balance still did n't match the reporting. I had a balance of XXXX, yet they reported it as XXXX. They were also reporting me as 30,60,90 days past due. I disputed with trans union and they found my claims to be correct. NOTHING has changed on the credit reporting as of today, XXXX/XXXX/2015. My credit has been SEVERELY damaged because of this. Now, they are saying my payments do not go through online because of an incorrect account number, yet, nothing is wrong. After disputing it YET AGAIN, they refunded the late fees and took my payment over the phone ( at a XXXX phone pay fee ). Now, my payment was due yesterday, but still has n't posted on my bank account. I double checked my account info on their website and it is correct. I have a feeling they are going to try to get me to pay for the over the phone fee yet again. This is criminal practice. The last rep I spoke with told me that being over balance would n't hurt my credit, then proceeded to ask me personal questions about where I live. This is illegal, is it not? I want my credit back, these criminals held accountable, and this balance fixed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Utah System of Higher Education
State: LA

Complaint narrative:
My loan was purchased by XXXX from XXXX in approximately XX/XX/XXXX. I received a loan payment disclosure statement on XXXX/XXXX/16 that stated my interest rate was 6.8 %. However, the loan had an interest rate of 5.8 % at the time it was purchased. I contacted XXXX about this and they gave me instructions as to the documentation I needed to provide to prove the correct interest rate. I sent the documentation to XXXX on XXXX XXXX, 2016 via email as they requested. 

Since then, I have called approximately 5-6 times to get a resolution on this matter. Two months have passed and there has been no response via email, snail mail or phone. Each time I call, a representative has told me that they are processing it. However, I have not received any confirmation from the company that the documentation was received ( no reply to the email ), nor has any representative followed up with me to update me on the status of my request. All the while, my loans are being charged the higher interest rate. The stalling and delay tactics are extremely frustrating and obviously I will not pay the higher rate and expect to be credited the difference in the interest amount charged at the higher rate.

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 2015-06-29 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: 2233 Paradise Road LLC
State: NV

Complaint narrative:
XXXX XXXX, XXXX XXXXTook out a payday loan with the Cash Factory out of XXXX XXXX. Due to medical reasons I was unable to pay back on the due date. Once I returned to work I spoke to a woman at the XXXX XXXX and worked out a payment arrangement. The arrangement was to divide the balance into XXXX payments of {$310.00} every other week. The complaint I have is during the call ( which I 'm positive was recorded ) I was told that I would be able to move a payment out if I was unable to make the payment. I was told that I needed to make a single payment in XX/XX/XXXX. I made the payment. The next payment was due on XX/XX/XXXX. When I called to move this payment out I was then told that I could n't move any payment except with in the month that it was due. So I was told that I had to make the XX/XX/XXXX payment and could move it to today XX/XX/XXXX and only that date. I moved it to today XX/XX/XXXX but rent was more important than that payment so I 'm unable to make the payment. I was told if I did n't make the payment they would be able to come after the whole amount at any time on any date which through the initial agreement will be on a Friday pay day because now they know my bi-weekly pay dates. 

I was lied too during the initial call about moving out a payment which became relevant during the subsequent call where she stated I could not move any payment.

Company response to consumer: Closed
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
A debt collector contacted my elderly mother, who has a XXXX, at her telephone number. She was told that there was a warrant for my arrest and that I was due to being arrested any minute, if I did not contact them. She was told that she had XXXX minutes to contact me and have them contact them so that I could be arrested wherever I was located at. She contacted me at work and I then contacted the company. Meanwhile, my brother had to take my mother to the doctor due to her XXXX. 

When I contacted the company, a representative told me that I needed to make payment immediately and he would then terminate my warrant of arrest. I paid them with whatever I could and am now making hospital payments for my mother. 

I believe this was very unethical on the companies behalf and should be disciplined for verbal abuse and domination over something that does not originally belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
New American Funding has not processed my lien release paperwork. I paid off my home on XXXX/XXXX/16 and was told it would be XXXX60 days for the paperwork to get through XXXX XXXX. I recently was told they actually had n't filed that paperwork until XXXX/XXXX/16. And was told today ( XXXX/XXXX/16 ) that it was still being processed in their system. I want the lien released and am tired of being lied to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: VA

Complaint narrative:
XXXX XXXX from this agency called to collect an amount that he claims I owed to a prior landlord. This amount is in dispute. The landlord engaged in deceptive business practices and violated the XXXX XXXX XXXX by failing to provide services such as running water. XXXX XXXX repeatedly attempted to question me after I requested that he stop asking me questions. He threatened me with negative action against my credit rating and implied that other bad things would happen to me and my credit. Again, I told him that I was in a legal dispute with his client, but that did not keep him from harassing me with additional questions.

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 2016-08-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
LVNV XXXX SC XXXX boughht a credit card dbt that is out of statutes and list on credit records as if it was current. It list the accrued interest as a current principal balance. It states a card was opened in the amount odf {$3600.00} and no such amount was ever contracted. Presently, it reports a present balance of {$4400.00}. This is inaccurate and unfair credit reporting and collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I noticed a collection account listed on my credit report. 
The debt collector is LVNV Funding. 
The debt amount is $ XXXXI sent them a letter requesting that they verify the debt by providing the original creditors name, and original debt amount etc etc. 
The letter stated that if they ca n't verify the information, they should remove the collection account from my account. 

They have not responded to the letter, nor have they deleted the account. 

The letter was sent with certified mail + signature confirmation required. 

I have a copy of all the documents that were sent to them. 

I also have a copy of the signature provided by the USPS - thereby proving that have indeed received the letter. 

I 'd like this account to be removed from my credit report in its entirety, since there no proof that it belongs to me. 

Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Union Credit Corporation
State: GA

Complaint narrative:
I received a {$650.00} bill on XXXX/XXXX/XXXX and a {$210.00} bill on XXXX/XXXX/XXXX from XXXX XXXX XXXX. I was unable to pay when due so they were turned over to Union Credit Corporation XXXX, GA. Union Credit Corporation opened XXXX individual collection accounts that appear on my credit report, when they should have only opened XXXX collection accounts. The debt was been paid in full on XXXX XXXX, XXXX. My Experian report dated XXXX/XXXX/XXXX still shows XXXX open collection accounts with a balance of NaN. I am attaching a copy of the XXXX bills, the pages of my credit report reflecting that XXXX collection accounts were opened and reflecting the XXXX open collection accounts. I am also attaching a complaint that I filed with XXXX XXXX XXXX on XXXX/XXXX/XXXX regarding my horrible experience with Union Credit Corporation. The complaint that I filed with XXXX XXXX XXXX should outline why I am unable to professionally deal with Union Credit Corporation. Please note that I do see XXXX complaints have been filed in the past against Union Credit Corporation with the XXXX from other consumers.

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 2016-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I fell behind on my mortgage after my business failed. I hired an attorney to help me submit a request for a loan modification. My full application request was sent to OneWest XXXX in XXXX 2016. My loan is a 15 year loan which was good while I was making money, however now that my business has failed I really need it to be able to go back to a longer loan term such as a 30 year loan or at least longer term than the remaining 3 years as I can not afford the very high payment anymore. 
I was denied for a loan modification on XXXX/XXXX/2016 by OneWest Bank XXXX for HAMP. The reason given was due to " Investor/Guarantor Not Participating '' " Investor has not given us contractual authority to offer loss mitigation through the Making Home Affordable Program. 
I looked up online with the XXXX web site and it says ... '' If a PSA contains such a restriction ( HAMP PSA RESTRICTION ), the servicer MUST make " reasonable efforts '' to get the investor to waive the restriction. I do not believe OneWest Bank XXXX has made any effort to ask the investor of my loan to waive the restriction. My attorney states OneWest Bank XXXX is participating in the Making Home Affordable Program and therefore they MUST make an effort to ask the owner of my loan to waive the restriction and review my loan for HAMP. 
In addition, the letter dated XXXX/XXXX/2016 which states they can not review for Making Home Affordable, also says " However, upon receipt of a complete application, your mortgage will be reviewed for all other loss mitigation programs ( including available loan modification programs ) permitted by the owner of your loan. We will contact you regarding the steps required to complete our review ... Once the review of your application is complete, we will send you an additional letter that contains the results of our review and if your mortgage qualifies for a loss mitigation program '' - I have never received this letter to date and my applicaton was sent in complete in XXXX 2016. 
My attorney has been asking OneWest XXXX for this letter promised in the above paragraph and I have received nothing to date. They only verbally tell me there is no other options. I am told that RESPA servicing law states they must issue me a denial letter and give me 30 days to appeal it. So far I have nothing except a letter stating they can not review for HAMP and I willl receive an additional letter for other programs they review me for. Again, I have nothing and they say they are not doing anything more for my request. Violation of RESPA Reg X.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My property is in foreclose and the banks have not been cooperating with loan numbers or payoff information. I have lost at least XXXX sales and been threatened lawsuits against me for money damages because I could not get loan numbers in order to get payoff information so I could close. The bank wants my property and refuses to cooperate in the sale because I have equity in the property. It took me two years before I could find out the loan number on the XXXX. I now have another offer and the bank is now telling me that they can not find the file. They want it to go to sale so they can steal the equity even though they have already been paid for the loan.

Company response to consumer: Closed with explanation