vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-24 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: UT

Complaint narrative:
In late XX/XX/2016 I received a phone call from an individual claiming to work for a computer repair company. I was told that my computer had a virus that needed to be removed. he told me that he needed to gain access to my computer to install an anti virus program. After watching him do things to my computer for about 20 minutes he told me it was fixed. He then told me the cost was {$190.00} for the program. I put the charges on my credit card. about 5minutes later he told me there was a mistake on there end and they would reverse the funds. he put a form on the screen tor me to fill out, when I placed the amount on the specific line the man on the other end went into instant panic and said " 0h my XXXX sir what have you done? '' I asked what the problem was, he said " I 'm going to lose my job over this one ''. I again asked what did I do. He said that I entered the amount of {$1100.00}. At this point I 'm in panic mode as well and just being woken up early in the morning I was thinking about any thing but resolving the problem. I was on my cell phone as I drove to western union in our local XXXX where I transferred {$550.00} to XXXX separate accounts in XXXX. After the transfers were complete as I was driving home my cell phone died so I tried to call this man back on my land line, when I called the number was no longer in service. At that point I realized that something was not right. I looked at the area code from the caller came from Washington State and I knew my money was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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: MO

Complaint narrative:
I was informed from my bank when I applied for a loan that there was collection accounts on my credit report. I was unaware of this Company, LVNV Funding LLC . I put in a dispute with credit bureau and it is still pending. In the meantime I had joined a website called collection shield XXXX that helps consumers dispute collection accounts, this was in XXXX 2016. To date I still have yet to receive verification of the debt LVNV funding says I owe and was served with a summons to local court. The papers state this is for a charge off account from XXXX XXXX Bank. Upon further investigation I found that LVNV Funding is owned by XXXX XXXX Bank. So is it legal that they can even sue? I did find XXXX bank to also be on my credit report and it states that account was charged off and was sold to LVNV funding. How can it be sold to a company they own ... and how can they sue me if account is under investigation and in dispute and they have n't even verified the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had a CD with CIT bank that matured on XX/XX/XXXX. I received a letter from CIT on XX/XX/XXXX that they had forgotten to send me a renewal notice for this CD when it matured, so it automatically renewed at the same interest rate of 1.153 %. At that time, CIT bank 's interest rate for a 1 year CD was much higher than 1.153 %. I called CIT today, and asked them to retroactively apply the then current interest rate. They refused. Why will a customer lose interest money over a bank forgetting to communicate to customers when CDs mature? 
I have a couple more issues against CIT bank : 1. They have this concept of ramp-up CDs, where they do not automatically renew the interest rate, when interest rate goes up. Only when customers call in, will they raise the interest rate. How will customers know when the interest rates go up in a specific bank? 
2. Also, customer service does not seem to very helpful and polite in responding to questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 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: PA

Complaint narrative:
on XXXX XXXX I sent a certified letter containg a credit validation letter to the company to validate the account which they recieved on XXXX XXXX and I never recieved a response and the item still remains on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.A.Rogers, Inc.
State: MD

Complaint narrative:
I have asked RA Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 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: MD

Complaint narrative:
I received notice of an alleged debt owed to Fair Credit Outsourcing and sent a XX/XX/XXXX Debt Verification Affidavit which was received XX/XX/XXXX XXXX ; XXXX by representative ( XXXX ) or agent ( XXXX ) of Fair Credit Outsourcing. FCO has failed to Validate the alleged debt and has provided information to the Consumer Reporting Agencies that is inaccurate, invalidated, unverified and is in direct violation of the FCRA XX/XX/XXXXs-2, 15 USC XX/XX/XXXXe ( 8 ), 15 USC XX/XX/XXXXe ( 10 ), Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XX/XX/XXXX ( Public Law 91-508 XXXX, 15 U.S.C. XX/XX/XXXX XXXX Public Law 109-351, 801-02, 120 Stat XX/XX/XXXX ), and numerous other violations of my rights under countless Consumer Protection Laws. Additionally, " FCO '' has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( XXXX ) and or Representative ( XXXX ) are frivolous. I have not applied for, neither received any services or credit with " FCO ''. I also have no account and/or contract with " FCO '', nor do I wish to contract with them. FCO has failed to respond to the XX/XX/XXXX Debt Verification Affidavit/ Proof of Claim with authenticating proof of a valid claim/verification. " FCO has purchased evidence of a debt for value and are proceeding with collection activity in the name of the original contracting Secured XXXX. XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX. FCO has failed to provide full disclosure as a lawful due process and has agreed to the terms and conditions of the XX/XX/XXXX Debt Verification Affidavit by Acquiescence. FCO by failing to respond by tacit procuration agreed to all terms within the contract/agreement. Respondent XXXX XXXX ) tacitly agrees that the Unsecured Debt Collector herein as the Respondent XXXX XXXX ) waives all claims against me and with respect to any and all collection attempts involving the above-referenced alleged account, and that said collection attempt was fraudulent from the beginning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 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:
I suffered a {$2000.00} a month loss of social security disabilty income in 2012. I could not pay my first and second mortgage so I applied for a modification. It took XXXX years to finally get a modification. I included my second mortgage ( line of credit with Indy Mac Bank ) on all of the paperwork I submitted. When I finally recieved the modification, I thought it included IndyMac '' s loan. Many months later, I was contacted by a collection agency which says my second mortgage was in charge off status and now I had to pay the collection agency, not IndyMac Bank. 
I called IndyMac Bank to explain what happened seeking to get my loan reinstated so I could resume my payments but they refused to talk to me. 
The collection agency says I must pay them. I can not reinstate my loan and I can not repair my credit until the entire amount is paid in full. Additionally, I am still in jeopardy of the second mortgage pushing me into foreclosure at any given time unless I file bankruptcy which will also destroy my credit even further. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I arranged for bank # 1 to transfer my IRA account to bank # 2 that was paying much higher interest. The IRA Transfer Request I used included this statement : " If you are age XXXX XXXX or older, your required minimum distribution must be processed prior to transferring your IRA to bank # 2 ''. Bank # 1 failed to process the remaining required minimum distribution before transferring the IRA account. When I realized what happened and called them about it, they refused to admit they had made a mistake and refused to do anything to help me request the required minimum distribution from bank # 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was approved by Keep your Home California for a principal deduction up to XXXX, but my bank op not to participated. I 'm a single mother of XXXX and and take care of my of XXXX grandchildren due that their mother abandoned them, my son their father is currently in a XXXX XXXX in XXXX, & my XXXX mother - I 'm trying to make my monthly payment. I bought at the wrong time back in XXXX right before the market crashed in XXXX XXXX, and my payments keep going up, that I ca n't afford. I want to stay in my house, but if the bank will not help. I will be force to move and no where to go. Please help me stay in my house. I have applied for a modified loan and the bank said I do n't qualify for another modify. I 'm sure there is something out their that I can qualify for. Please help me stay in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: MI

Complaint narrative:
My mortgage was foreclosed on in XX/XX/XXXX. Real Time Resolutions purchased it after. I have been trying to have this entry removed form my report and disputed in in XXXX, XXXX, and XXXX. Real time response was that it would be corrected and removed by XX/XX/XXXX. To date, it has not When I tried to disputed it again, since they have NOT been at all truthful and lawful since this ordeal began. Their response is that the dispute has been settled. IT HAS NOT. I am requesting to have t his entry taken off off all of my reports immediately. I consulted an attorney and he indicted that because they Realtime is doing this as they ca n't legally come after me. This is XXXX way to keep my credit report flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I have disputed the debt with the credit bureau, and the debtor has failed to validate the debt is mine. I am requesting the collection item be removed immediately due to noncompliance of the section 809 of the Fair Debt collection practices act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: TX

Complaint narrative:
I received a letter from Afni stating that I owed {$34.00} due to the service at XXXX. I have NEVER ever signed up for phone services with XXXX nor did I ever sign up for any of their other services they offer. I looked up XXXX number on their website and contacted them. After looking through their system and not being able to find my name, number, or social security in their system, they filed a dispute. The next week, I received a letter stating they did their investigation and found I am responsible for the amount owed. I called them back again and placed another dispute. They sent me a bunch of papers the next couple days asking for my gas utilities bills, social security card, passport, license, and all sorts of information to prove. I have not contacted them since. It looks they are backtracking to get someone to pay for the amount since they ca n't find the person who signed up for this service and they found a person ( me ) that called so they are trying to hold me responsible when I never had a relationship with XXXX. This is harassment and I do not trust them with all my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
XXXX Averst Bank 2008 this is to old to be on my credit repot. Its XXXX. I want this removed. I gave this back to then. They sold me a lemon. The transmission had went out of this thing after a XXXX or four months. I lost thousends on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am an XXXX year old XXXX woman and in XXXX I began getting letters from Financial Freedom threatening me with foreclosure. These letters said I owed Financial Freedom {$3300.00} for advances they paid out on my reverse mortgage. However, when I called Financial Freedom on numerous occasions no one could explain to me what these were for. Finally, my son ordered an account history and after reviewing the history we determined that Financial Freedom was billing me for taxes that had already been paid or for taxes they claim they paid 8-10 years ago. When I asked them to provide proof they actually paid the taxes, they keep me on the phone for nearly 2 hours and made speak to 8 different people who kept telling me. " That 's not my department. '' an then tell me I 'm the one who has to prove it. 

My son and I went through the payment history realized that even if Financial Freedom is correct and they paid the taxes when they claim they did, I would not {$3300.00}. 

Please help I want to keep my home. I have nowhere else to go. I do n't want to be kicked to the street like the that XXXX woman who had Reverse Mortgage a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 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: MD

Complaint narrative:
LVNV funding has been illegally reporting a debt as a new collection on a monthly basis to credit bureaus. Amount attempting to be recovered is grossly incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
A credit card company levied a garnishment against my savings account for XXXX dollars. The judge ordered this levy and searching my social security number, located my checking and savings account with XXXX. I receive XXXX a month in government XXXX. I only had XXXX in my account. The bank debited my account and took the XXXX. I 'm sure this is not legal. Should I sue them or just demand they reimburse my account for the money they gave the credit card company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 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: The Affiliated Group, Inc
State: MN

Complaint narrative:
Someone stole my personal information and identity to open an account with XXXX XXXX. The account is an unauthorized and fraudulent account with Affiliated Credit Services. I have never applied for an account with XXXX XXXX. I have been receiving harassing, threatening and death threats telephone calls from Affiliated Credit Services in regards to a debt of {$240.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC.
State: DE

Complaint narrative:
XXXX/XXXX/2016 - XXXX : Received a call from XXXX direct extension XXXX and person left a voicemail - I checked the voicemail : it says " XXXX XXXX who received correspondences on behalf of his client on a fraud case that will be filed against me in my county according to Federal and State laws. The charges will be filed within 72 hours and that his client wants me to provide a character statement on my defense. The reference docket number for the case is : XXXX ( I have a copy of the voicemail ) - I called XXXX XXXX the number back at XXXX, he told me that he was part of Oracle Financials, which is a consortium of lawyers. He gave me the name of the creditor : XXXX XXXX XXXX and told me that he would be charging me with fraud. I then told me not to contact me and refused to give him any of my personal information - At XXXX : I called the FCDPA for advice on filling a violation claim and for a referral for lawyers - At XXXX : I called the office of a consumer lawyer to see if I could schedule a consultation and left her a voicemail - At XXXX : I called XXXX XXXX XXXX and told them I was planning on filing an FCDPA violation claim. They told me to they had sold my debt to XXXX XXXX XXXX. 
- At XXXX pm : I called XXXX XXXX XXXX and they did not pick up. I called them again at XXXX and XXXX told me they had given the loan to XXXX XXXX - At XXXX : I called Oracle Financial ( XXXX ) and they argued that since the phone call I received did not come from their toll-free number, they had nothing to do with it. When I asked if he were willing to send a verification letter, he said no because he did not want the company to be sued. 
- At XXXX : I decided to call XXXX XXXX so that he could tell me again who he was working for. He did not pick up but his voicemail said he was working for ORACLE Financial - At XXXX : I called Oracle Financial again to inform them I was filling an FCDPA violation claim and wanted to know if XXXX XXXX was working for them ( based on his voicemail greeting ), they hung up on me. 
- At XXXX : I called again, this time I explained my situation to another employee who said he was not qualified to help and transferred to what I believe to be their claims department. The person I talked to asked me for my social security number and since I was already highly suspicious I refused. I was however willing to give them my name and my phone number to check their records. Suddenly, they could not find me in their system. I reiterated my question about XXXX XXXX and asked them if they were saying they did not have a loan under my name. He answered that XXXX XXXX did not work for Oracle Financial and they did not have any loans under my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2017-02-20 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I was a resident in a rent stabilized LIHTC complex and subject to the requirements of the Division of Housing and Community Renewal. There were numerous violations and because of my notifying the DHCR, the attorney general and the housing authority, the landlord refused to offer me a lease renewal and chose to file a Petition for Posession of Premises ( Holdover ) In the Petition, the Petitioner also asked the Court for " rent in arrears '' In my defense, I prsented evidence that I did not owe any rent as my rent was paid to date. In the Court 's Decision, the Petitioner was awarded a Warrant for my eviction. However, the Petitioner was not successful in obtaining a Judgment for " rent arrears. '' I suspect on the ill-gotten advice of his lawyer, the landlord decided to submit the alleged unpaid rent to a collection agency in Maryland. I received a notice from the agency along with a sheet of paper of the alleged debt which was insulting. A 5th grader could have done a better job. Nonetheless, I immediately sent a certified letter disputing such debt and asked for a " validation. '' The agency basically sent me a duplicate of the 1st version of the alleged debt. It did not have the address of the alleged creditor nor an explanation of the alleged debt. First of all, the landlord and his attorney are well aware that the Court already ruled on arrears. Next, that document is fraudulent. Lastly, landlord 's attorney either is inept or he is rolling the dice in hopes by using an agency in another state ... ... ... well just maybe he can sneak this by but even if the could possibly prevail, I am XXXX years old. NO assets, and my only income is social security! 
There are other reasons I was targeted but for one reason that was the lesser of the others was that once i no longer resided in that particular apartment, that unit then became, deregulated and THAT is the lanldord 's goal to deregulate any units that are rent stabilized! t The landlord has about XXXX of these complexes so he has quite a gig.

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