vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I have not used the XXXX card in over 1 year, I have attempted to close the account on numerous occasions and the autamated system disconects me after a brief hold and recording. I have been threatened by a company on behalf of continental credit that they will persue legal action. I have not received any written correspondance from XXXX Credit card, and my online account shows no balance due as of XX/XX/2016. The acount remains open so they can charge me interest and fees.

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 2016-11-11 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: CA

Complaint narrative:
This account is very old and the company is not responding to me reaching out. I need this account resolved and removed from my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc.
State: SC

Complaint narrative:
I need to update my claim against Mid-Atlantic Finance Company. I gave the wrong account number to my previous claim as they have sent me a letter when they purchased my automobile loan from XXXX XXXX XXXX 's buy here pay here car lot. They sent me information on a XXXX XXXX XXXX that they also bought from XXXX.My account number was XXXX.This loan was purchased without my consent and I did n't know about it until two months later made one payment to XXXX after this company had purchased my loan. They collected the car a few months later.I never received a letter stating they did get the car, when it was sold, and how much was left owing on this car.I am also being charged for more that was left owed on the car when they first bought the loan.I believe they have broken Florida 's state laws purchasing this loan without my knowledge, or consent.I never had a contract with this company.My contract was with XXXX.Which I paid for over two years without one single late payment.They also have broke the law by sending me information on someone else 's loan.I gave this car back, and I feel they never lost any money as they bought this loan for a higher amount that was owed on from the buy here pay here, and then they received the car back, and was sold again. This company has made several false information on my credit report, as I am a member in XXXX credit.They went back and searched my account and found where they went from not reporting anything on this closed account to changing it on terms of months when I purchased this from the car lot it was for three years.I only a year, or less left to pay they put in 360 months. They changed amounts owed.It was a little over XXXX XXXX, then XXXX XXXX, and now over XXXX.This company has several complaints, and lawsuits over their acts. I feel they have broke several laws trying to collect on money I feel I never owed this company anyway.I never signed an agreement with this company. They purchased my loan on XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
Collection Agency ( Oracle Financial Group LLC ) would not make any payment arrangements with me unless I could make a payment today. They misrepresented themselves and indicated they were attorneys and not a collection agency so they couldnt do payment arrangements. They said my case would be turn over to my county and my drivers license would be suspended for 6 months automatically and my wages would be garnished. They clearly were n't following appropriate debt collection practices so was nervous about making any payment to them because they made numerous threats and false claims

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
They continue to claim my Father ( XXXX XXXX ) is no longer residing at the property. This is totally incorrect, and i have jumped through major hoops to proove it. They refuse to answer any questions as to how they recieved the false information, and continue to threaten, file court docs, send out process servers and continue to harrass my XXXX year old father and our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: MD

Complaint narrative:
I have a number of issues with my new loan service provider XXXX. 
1. They do not provide bill pay access to Banks. So I have to log into their system to pay my bill. 
2. They do not list under my account the amount I need pay each month. I assume it is the same as under XXXX but can not find it. Nor have they ever provided me with a pay by date. I do not know when it is due. 
3. I have not been able to get email statements despite trying to sign up for it numerous times. The system says I require 2 emails, 1 or the account and 1 for the my statements. I only have XXXX email account. 
All of these issues combine to make it a big hassle to pay. And the only reason they do this is to make money, hoping I am confused and pay the wrong amount or fall behind. By far the most hassle I have every had to deal with in paying bills. Worst then a car loan, worst then my home loan, worst then my credit card. A total lack of information provided about my account online and extremely difficult to contact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I had XXXX accounts with XXXX XXXX XXXX that were both tied to my mortgage. XXXX was a checking account with {$600.00} and another a savings {$25.00}. The savings was just opened to get a better rate on the mortgage and had no activity. First National Bank took over these accounts from XXXX XXXX in XXXX 2016. On my XXXX 2016 savings statement, I noticed I was hit with XXXX Dormant Account fees totaling {$20.00} and service charge fees totaling {$5.00} ... draining my savings account. I went into a First National office to try to reason with them and they told me that the savings account had not been used for 2 years. I explained to them that it was JUST moved to their bank in XXXX 2016. They would not even recognize the courtesy of doing business with a new customer and refund the {$25.00}, so I closed both accounts. It 's a horrible way to do business!

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 2015-04-26 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: FL

Complaint narrative:
I had an old dept. and a collection company bought the dept., I challenged them with a letter in accordance to fair credit Act which they had 30 days to respond under federal law and they had to remove it from my credit reports. They have not removed it and they have not responded. I tried contacting them but they are very rude and no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
My husband and I lived at this apartment complex for one year. We were provided a move out amount which we paid in full and had a walk through during which there were no damages pointed out. Months after moving out of the complex, the complex claimed there were damages and that we owed more in rent because they provided the incorrect amount earlier. I tried to reach the property manager several times to discuss these charges but they never answered my calls/emails. Months after this, they sent my account to collections. I provided the collections agency with the inventory list that I was provided when I moved out and proof that we paid the full amount we owed on the account when we moved. They contacted the apartment complex about the dispute and they simply stated that we owe more and they are refusing to erase this debt despite the proof I have presented. They also refuse to provide any visual proof or inventory list of the damages.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: CA

Complaint narrative:
I attend XXXX and graduated in XXXX, and like most people my age I live at the poverty level. XXXX assumed my loan from my old loan holder in XXXX of XXXX and have been nothing but a problem to work with. I have submitted paper work for a IBR with XXXX or Utah XXXX XXXX Assistance XXXX 3 times and they still have not applied it to my loan. Once I submitted it through the mail and they subsequently lost it. The next 2 times I submitted it through the electronic data base on studentloans.gov and I have given them 60 days to process the paper work. I asked for a deferment for XXXX XXXX, XXXX payment during this time to apply to the loans and was assured it would go through by a customer representative from XXXX. I opened a letter this morning, XXXX XXXX, XXXX from XXXX that shows I am 11 days delinquent for the loans that I was told I would have a deferment on.

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 2016-09-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I get a letter in the mail from my jobs HR dept. telling me that wages are going to be garnished, and I was like what!!! I never got any notices in the mail stating that I was going to be sued or anything. I do n't even remember this debtime of credit card. I have had fraudulent activity on my credit score and stuff. So, they do n't even give me a chance to call or anything they hit me with the judgement and started to garnish my wages! I never signed for a judgement, never got notified of any at that, and they send me a paper saying the debt is {$600.00} and they are garnishing my wages for {$2800.00}!! This is sick! XXXX, new financial services, and resurgent are considered and thieves. They make their own judgement without properly letting the person know, or anything. I do n't make much money and this has crippled me! I call and they do n't care. This is False practice and very wrong and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The attached complaint should be taken seriously by your agency, a debt buyer known as LVNV Funding LLC has been violating consumer rights for decades, and the CFPB should through the Federal Trade Commission take legal action against this company and the legal entities that work with them for the collection of debts that are simply no longer enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: FL

Complaint narrative:
I requested that a comment entered on my credit report at each of the XXXX credit bureau that I disputed the debt. The entry was made at XXXX and XXXX, but not XXXX. I applied to rent and apartment at XXXX different locations in XXXX, FL and my applications were denied for rental. I found out that the apartments pulled my credit report from XXXX. I believed that I was denied the opportunity to rent because of the dispute not recorded. I also lost {$120.00} fee for the background check.

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 2016-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oracle Financial Group LLC.
State: TX

Complaint narrative:
Oracle financial threatened they 'd come to my work. That they knew where I lived. Knew who lived in my home. Knew my social security number, drivers license and birthdate. Said I borrowed money and did not pay it back. That they were a XXXX dollar company and I owed them money. I needed to pay or they were going to my county and file papers against me. They had my middle name wrong. They had previous address wrong and wrong drivers license number. Yet they demanded I pay them. Called 5 times leaving threatening messages. Phone number XXXX. Investigator XXXX XXXX. XXXX. Legal official will deliver document. XXXX XXXX senior liaison at Oracle. XXXX ext XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
Fortiva, has consistently marked my account as late when it is due on the tenth of each month ..but has a grace period of 15 days there after for the payment to be actually paid I have always made my payments within the 15 day grace period however they keep harrasing me saying that I am late. I have told them to read their contract ... but they continue to harrass me to no avail I am XXXX years and want these phones calls and harrassment from these people to stop their e-mail address is XXXXXXXXXXXX XXXX XXXX, XXXX, ga.XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Fair Collections & Outsourcing has been trying to collect a debt of {$2000.00} on behalf of XXXX XXXX. FCO Has given no real documentation that I owe this debt. I spoke with XXXX XXXX both corporate office and XXXX facility as it is known today and they had no information about the account. FCO has sent me a copy of a ledger no letter head of company claiming that I owe the alleged debt as proof of validation. When I challenged this, they proceeded to send me a copy of my lease from XXXX, which they could have obtained from any where. I sent them an email XXXX/XXXX/2016 requesting viable information proving that I owe this debt. I have asked fro the following in my email : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting history leading up to alleged debt. 
Commission for debt collector if collection efforts are successful. 
They answered me today, by providing the same ledger that proves nothing and lease agreement that they could have obtained from anywhere.

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 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Submitted for a modification numerous times constantly being told documents are not being approved with no explanation as to why. Have submitted a complete package to my lender at least 12 times if not more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
I was contacted by the debt collection agency in regards to the debt I owed on a credit card. I had closed the account with the company because I knew I could n't make payments because I had lost my job. After several phone calls I was forced to block the number they were calling from because they would not cease and desist. It was a few months later when I received a phone call from my brother informing me that they had called his wife 's parents in an attempt to get my information. I explained the situation to my brother and apologized to his wife 's parents. Since that transpired the company has filed in court against me and I 've responded with a request for line item detail of the debt. They sent me a copy of the old credit card bill, that is all. I offered to settle and make payments, but they would not compromise. When I notified the woman on the phone that I would be making a harassment complaint she became angry and hung up the phone. The debt collection firm is Love, Beal, and Nixon out of XXXX ; notorious for trying to get default judgements and using scare tactics on people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 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: AFNI INC.
State: FL

Complaint narrative:
This is not my account and I am unaware of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I purchased a car financed through ally bank for my daughter loan # XXXX te the car was totaled in an accident in XX/XX/XXXX. the car was insured through XXXX and the loan had gap insurance through XXXX. XXXX paid Ally bank {$12000.00} the book value of the car, Ally than made a claim to the gap insurer of {$4400.00} The full amount was paid by XXXX. I called Ally spoke to someone in customer service to confirm they received both payments and was advised yes and told " do n't worry XXXX the loan is PIF " I never received any additional monthly statements after that until 4 months later in XX/XX/2014 I received a letter from Ally claiming I was in default of my loan and that {$290.00} was 120 days past due. When I called Ally Bank to find out what this was about they told me that the GAP insurance did not cover the late charges when I asked what months and amounts were the late charges for after holding for 19 minutes the girl said there are NO late charges on the loan and see transferred me to the asset recovery unit after explaining the entire story all over he said I do n't have anything to do with your car it is not out for Repo ( NO KIDDING ) I called back and asked to speak with a manger and told that woman the entire story all over again and she said " well the gap insurance did not pay what they were supposed to " they never do '' I called the gap insurer and confirmed they paid the exact amount demanded from Ally Bankd {$4400.00}. I called back Ally told the same story one more time and was advised this amount was interest due on the loan I asked how that could be and interest for what months and the girl told me it was for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/2014, when I asked how could that be when the loan was PIF in XX/XX/2014 she said you need to speak with a manger and all she could do is take my information and a manger would call back in 24 hours I 'm still waiting. I have contacted Ally Bank and the collection agency they hired server times but as I said I 'm still waiting for a call back. clearly they put the insurance funds in some type of suspense account rather than apply them to the loan which caused additional interest to accrue until they reconciled the account. This is being reported on my credit as a charge off which caused me real harm this month when I went to purchase a new car and caused me to have to pay a subprime 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 2016-05-06 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: LA

Complaint narrative:
Regarding a collection notice from a company called Afni , Inc.I received a collection letter in the mail for payment on an account ( XXXX ) that I never had. I called the number and they asked for personal information that I did not give them. They provided an address and email that I did not recognize. They mailed me a package to complete an ID THEFT AFFIDAVIT and asked me to mail it back. After researching their company online I noticed many fraudulent collection complaints. I am now providing all the information to stop them from phishing for personal information and file an official complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: GA

Complaint narrative:
Afni is reporting an account on my credit report that does not belong to me, and it severely damaging my credit rating. I mailed a letter to them requesting information regarding this debt, and did not receive a response. The acct # as listed on my credit report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 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: FL

Complaint narrative:
It 's affecting my credit on the purchase of a house.

Company response to consumer: Closed with explanation