vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-29 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: NY

Complaint narrative:
I, XXXX XXXX makes a claim against XXXX XXXX XXXX, XXXX. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is LVNV Funding LLC . This debt buyer has been riddled with deceptive collection practices and sued by Attorney General offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector XXXX XXXX XXXX , XXXX, as well as from LVNV Funding LLC . It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The Attorney General of the state of New York had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
I XXXX XXXX from XXXX auto finance XXXX Texas. After making a couple of payments, they informed me that they had sold my car loan to Mid Atlantic Finance company. 
After two months, XXXX auto finance came and repossessed the vehicle because i owed {$610.00}. When i called them ( XXXX ) together with Mid-Atlantic, XXXX auto acknowledged that they have taken over the car from Mid Atlantic and that i should make payments to them. On the same day i called Mid-Atlantic and they informed me that they had sold the car back to XXXX XXXX XXXX and that if i have any questions i should direct it to XXXX. Following these conversations, i went ahead and made payments and was given back the car. I am current to date. From then it has been a nightmare. Mid-Atlantic finance has been calling me telling me that am late on car payments yet i have been making payments to XXXX XXXX. Today XXXX/XXXX/16 Mid Atlantic reported that am 60 days late but per their statement, i should make payments to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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:
I have received several calls after this debt has been paid. Also ; I was told that the debt would be removed after the debt was settled.

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 2015-12-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Finance Company, LLC
State: DE

Complaint narrative:
i reported this account as fraud to continental finance back on XXXX 2015 as fraud and they sold this fraud account to united debt holding and this account shows on my credit reporting file as charged off and it should not, i have disputed this numerous times as fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 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: GA

Complaint narrative:
I have notified LVNV FUNDING that I was a victim of Identity Theft, my wallet was stolen, I provided LVNV FUNDING with a Identity Theft Affidavit. To date, LVNV FUNDING has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
This company has not provided any information that this is my debt. 

They keep sending notices, but have not proved that I 'm owner of this debt. Provide paperwork that I am the owner of this.

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: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Vermont Student Assistance Corporation
State: VT

Complaint narrative:
I have worked for the Federal Government for 17 years and the XXXX XXXX XXXX says that I do not work for a qualifying agency. I work under XXXX. XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX. It IS a qualifying federal agency. 

I have made over XXXX qualifying payments. It is obvious that the legislation is not backdd by proper funding. It will be a war to make them forgive my loans.

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 2015-07-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Credit decision / Underwriting — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My Reverse Mortgage is being Foreclosed on, because of no Property Insurance. The company sent me a Insurance policy XX/XX/XXXX and added it to my Line of Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 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: VA

Complaint narrative:
There is a company named LVNV Funding reporting a collection account on my credit report, as I have a monitoring service. Well, I 've made an attempt to each this company, but apparently they have subcontracted the alleged debt to a subcontractor name Resurgent Capital. However, when trying to reach this company nobody seems to be willing to provide assistance, and it 's difficult to understand who actually owns this debt. The representative is extremely rude when I call is very disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I received a letter from Prosper.com telling me I was pre-approved for a personal loan. When I went online and entered my confirmation code they said I could not get a loan at this time. Then they tried to redirect me to another loan program. I see invitations for credit cards and other types of loans all the time. None of them explicitly state that I was pre-approved for a loan. Prosper.com is definitely trying to mislead the public in their advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Virtual currency — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hi, I purchased bitcoins from a website coinbase.com. The purchased bitcoins are supposed to be available four business days after purchase. I made a purchase on XXXX/XXXX/2015. It has been four business days and the bitcoins are not available to me. Further, the money has been deducted from my bank account for over two days as of this writing. ( Their justification for the 4 day delay is the transfer time from my bank account )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Chrysalis Holdings LLC
State: MO

Complaint narrative:
Starting with phone conversation the representative was n't truthful. I was told payment could be Scheduled on line free of charge. This is not true they charge you for paying on line. I thought I was doing business with New Day Financial as I was told. Then a few weeks after closing I received a check for $ 1500.00+ & change from my home owners insurance company I called them to ask why they informed me insurance had been paid two times. I called mortgage company they said they did n't know anything about it. I put check in bank & saved it in a couple of months I got statement from a loan servicing company That New Day turned me over to but say still is New Day. They informed me I owed {$1700.00} or payment would go from {$800.00} to {$960.00} per month. I asked when I only got {$1500.00} check why did I now owe {$1700.00} they said that 's way they operate. Now my payment went from {$800.00} to {$820.00} per month! In my opnion I 'm being taken advantage of. 
My loan is VA & I 'm in my XXXX do n't have lot of money to fight these people with so I 'm hoping since it is a VA loan I can get government help. I feel these are the most dishonest people in the business. 
Thank you in advance for any & all help you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
Got a call stating I owe XX/XX/XXXX from back in XX/XX/XXXX but debt is not listed on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: WA

Complaint narrative:
I received a collection correspondence from Dynamic Recovery Solutions indicating I owed {$2200.00} to them on behalf of XXXX XXXX XXXX from XXXX its states XXXX XXXX XXXX XXXX XXXX XXXX the current creditor. The current account # is XXXX, I dont know where this information is coming from, am unfamiliar with the debt and its not on my credit report, I 'm a federal employee whos information has been breached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I received a phone call from XXXX Solutions who was trying to collect a credit card debt from XXXX XXXX Bank XXXX {$1400.00} that they claim the principle balance is {$490.00} from XX/XX/2001, and the last payment was in XXXX XX/XX/2001. I told them this is over XXXX years ago and I am not familiar with this debt, and have no memory of the debt. In addition the name on the account was not accurate. The collector acknowledged the statute of limitations had expired, and that they do not report to the credit bureau, or file legal action, however, the debt is owed. I explained I have no recollection of the debt and do not contact me any further. They also were trying to initially collect on a duplicate bill, yet, admitted it was a duplicate bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Radius Global Solutions LLC
State: MA

Complaint narrative:
On Thursday, XXXX XXXX, I was contact via the phone ( 3 ) times from this collection company representing themselves as CENTRAL CREDIT SERVICES representing what they stated as their client XXXX XXXX concerning a debt. Apparently, XXXX XXXX sold this collection company this debt that originated from an XXXX XXXX credit card account that was opened and subsequently utilized using my personal information in a fraudulent manner. 

I first got wind of this account, along with several other accounts ( XXXX ) that were opened using my social security number and sent to an address in XXXX, Texas to which I have never resided. Furthermore, when I first came to realize this XX/XX/2016, I immediately notified XXXX both over the phone and in writing via the CFPB portal, CASE # : ( XXXX ) regarding this fraudulent debt. On XXXX XXXX, they responded that they were investigating these accounts and would get back with me accordingly. 

At this juncture, they have assigned this debt to their collection company ( CENTRAL CREDIT SERVICES ) to which I am disputing as Fraud. 

Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 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: Radius Global Solutions LLC
State: AZ

Complaint narrative:
In XXXX I had numerous issues with XXXX ( XXXX ) billing and it would take me hours and even days to clear up the issues. I had been treated very poorly by XXXX representatives. XXXX ( XXXX ) was billing me on behalf of XXXX ( XXXX ) so XX/XX/XXXX I asked XXXX to stop billing for XXXX and contacted XXXX to begin billing me directly. XX/XX/XXXX, I paid {$130.00} to XXXX. XXXX tried to bill me same amount ( {$130.00} ) that had already been been paid to XXXX. I received a letter dated XX/XX/XXXX from Central Credit Services ( CCS ) that I owed XXXX {$130.00}. I called CCS and spoke with XXXX who said to send proof the debt was paid. I faxed the proof XX/XX/XXXX. I pulled my Experian credit report on XX/XX/XXXX and found that CCS had reported the debt to XXXX ( and probably the other credit reporting agencies. ) I called CCS and XXXX spoke with XXXX then XXXX ( the first rep I had spoken to in XXXX. ) I asked XXXX why the debt showed up on my credit report when I had sent proof of payment in XXXX. She said that I still owe the debt to XXXX even if XXXX was paid. There was no indication that the proof had been forwarded to XXXX. I argued I did n't owe XXXX but XXXX repeated I did. I asked why I was n't contacted and told this after I submitted my proof of payment in XXXX. She said she had been out on XXXX leave. I asked if her desk was covered while she was gone and she said no. I believe this to be unfair collection practices and that I was lied to by XXXX. As I have a pristine credit report, I am livid this ended up on my credit report. So not only does XXXX try to collect on a debt already paid, but they involve Central Credit Services to harass the debtor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AMERICAN INTERNET MORTGAGE
State: CO

Complaint narrative:
Aimloan.com either 1 ) is committing fraud, 2 ) has provided poorly trained employees, 3 ) is understaffed and not able to effectively resolve issues in a timely manner. I contacted the company to inquire of them on XXXX XXXX, 2015 that the mortgage payoff was sent per their instructions on a house closing completed by XXXX XXXX XXXX XXXX, CO branch Office : XXXX on XXXX XXXX, 2015. Aimloan.com support department were unable to help me and would not escalate the case to a manager to research and solve the problem. The title company claims they followed the written instructions for the payoff exactly as provided by AIMLOAN.COM and the funds were wired through XXXX XXXX XXXX from XXXX XXXX on XXXX XXXX, the same day of closing on the sale of the property. Aimloan has now sent out numerous credit collection letters and will not work toward solving the problem within the 60 days allowed by law. 

Please note the XXXX Servicing Department Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Department Telephone : XXXX would also note that when originating the loan there were also numerous issues again due to XXXX of the XXXX problems speculated at the beginning of the form.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Rhode Island Student Loan Authority
State: NC

Complaint narrative:
I have been paying off my loan through the Rhode Island Student Loan Authority since XXXX, which is when I graduated from the University XXXX. Initially, I was paying $ XXXX/month, which was too much for me to handle, so I requested in XXXX that they lower it. They told me they could n't do that. 
In XXXX, I had to go into forbearance based on my income at the time. When that forbearance term ended, my payment had magically become $ XXXX/month with no indication as to why that happened. 
I found out today ( XXXX/XXXX/XXXX ) that they lowered it because of my forbearance term and that they could n't decrease my monthly payment any further. The person told me that 's because they can not extend the life of the loan behind 15 years. 
Basically, I do n't understand how they could n't lower my payment 5 years ago, but then they magically could a few years later. This is absurd and I can not handle paying $ XXXX/month right now.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account. 
.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc.
State: UT

Complaint narrative:
I made an arrangement to make a payment on XXXX/XXXX/16. On the Friday prior, XXXX XXXX, I called at XXXX MST to cancel the arrangement as I have started working with a debt consolidation company. I called during business hours and did not receive a call back even though I left a message requesting a call back AND requesting they stop payment. I gave them more than 48 hours to do so. I called XXXX as well. I continued to call on Monday and had to leave multiple messages for a XXXX XXXX. I did not get a call back from her until Tuesday the XXXX. After not having any resolution and being told I did not call Friday, I asked for a review. She said she would have compliance pull the calls. Again I went a couple days before she told me I did not have any calls on Friday. I have a record of all the calls on my cell phone bill. They charged my account which also started a domino affect of overdrafts fees. I have now left a message for their compliance department and have not received a call back regarding resolution on the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Omega RMS, LLC
State: NY

Complaint narrative:
Collecting payments since XX/XX/2016 {$150.00} monthly from there collection Department name XXXX XXXX services @ XXXX XXXX XXXX XXXX. 
File number XXXX. But not showing from the orginal account. XXXX XXXX. XXXX, XXXX. 
I have XX/XX/XXXX and XX/XX/XXXX payment and i will be paid in full with the agreement of settlement option 3. I called in reference to them letting my creditors know ive made all my payments on time, so i can get the credit i deserve. Omega number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Omega RMS, LLC
State: OH

Complaint narrative:
Someone has stolen my identity and has apparently opened a mortgage in my name. I 'm not sure on how how stop this, but this is not my mortgage and the debt is n't mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 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: Risecredit, LLC
State: TX

Complaint narrative:
I pulled my credit from XXXX and noticed they were on my credit report. I have never done business with this company and they never sent a right to dispute. I sent them a certified l letter and and and they never responded. 

Please see the attached documents Thank you, XXXX XXXX

Company response to consumer: Closed with explanation