vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
For recent months I 've rec 'd bills from XXXX that include {$75.00} late fees. This month XXXX rec 'd my bill on XXXX XXXX ( though the statement date is XXXX XXXX ) and it 's due XXXX XXXX & they say it can take 7 days to process payments once it 's rec 'd at their processing center. I 've called about this before and they say that I should access my bill online and pay online to avoid late fees but I wonder if they should n't give sufficient time to allow consumers to pay by check after receiving the hard-copy of the bill? And, if they choose not to that, should n't the late fees be reasonable? {$75.00} late fee on a single {$34.00} gas purchase is robbery. And, If they continue this practice, should n't the disclosure literature include a statement that there is no way a mailed payment will make it on time if they are allowed to take so long to process it once they get it and that they will not send the bills in a more timely manner and that the fee is now {$75.00} not the original ( also high ) {$35.00} that is was when I signed up for the card?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-20 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: MRS BPO, LLC
State: NC

Complaint narrative:
The credit bureau is allowing inaccurate information of this account to be reported. The name of the company is MRS BPO, L.L.C and the creditor is XXXX XXXX they have recently added this account on my report with XXXX with a re aged date of XXXX/XXXX/2016 for {$310.00}.

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 2015-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: ARVEST BANK GROUP, INC.
State: TX

Complaint narrative:
On XXXX XXXX, 2015 my attorney sent a letter ( XXXX, confirmation attached ) to Arvest Bank disputing the validity and terms of an negative entry they were reporting to all major credit bureaus. I have never done business with Arvest bank and have asked for verification from Arvest many times over the past year. This time I have paid for attorneys to get involved. I have repeatedly asked Arvest bank for 1 ) Copies of all written contacts and agreements of the parties ; 2 ) Anything signed by me, XXXX XXXX ; 3 ) Documentation of performance by Arvest Bank ; and 4 ) all business records of Arvest Bank, concerning the alleged debt. As of this date XXXX XXXX, 2015, I have never received ANY communication, nor validation of this fraudulent account from Arvest bank despite my documented and repeated requests. 

On XXXX XXXX, 2015 I sent a second request for validation letter to Arvest Bank ( XXXX confirmation attached ) again stating my original request from XX/XX/XXXX that has not been responded to for validation of this fraudulent account. I included copies of the original letter as well as copies of the signed delivery confirmation to their offices. Of course I have still not received ANY response from ARVEST bank. Not only has ARVEST bank refused to provide me with the evidence I lawfully requested in my previous letters, they have violated the FDCPA by continuing to report incorrect and unsubstantiated information on my personal credit report. This activity has been HIGHLY injurious to me. 

I am requesting IMMEDIATE retraction of all negative information posted by ARVEST bank on my personal credit reports that ARVEST bank is reporting to all major credit bureaus and to be forever removed from my credit record with all reporting agencies, as well as to have them send me a letter stating that this is account is closed in their offices and will not be sold, transferred, or in any other way be collected on again either by ARVEST or any other company. 

I am also going to pursue this issue with the FTC and the Texas Attorney General 's Office about ARVEST 's clear and continued violations of he FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Either send me proof about this debt, such as what the debt is for ( product ) or remove my name from the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This debt was originated in XXXX 2007. No payment was made on this account or towards this debt. The statute of limitations to report this debt to the credit bureaus has passed. A debt buyer purchased this debt and despite my requests for proof of last payment, and my disputes directly to the XXXX major credit reporting agencies, it still is being reported. The debtor buyer is LVNV Funding, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 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: TX

Complaint narrative:
I mailed a letter XXXX requesting debt validation to LVNV on XXXX/XXXX/16. In that letter, I invoked my rights under the Texas Finance Code 392.202. They have failed to provide proper validation, Texas law requires that they delete their reporting, and cease all collection activities until FULL VALIDATION UNDER TEXAS LAW IS PROVIDED. 
Sec392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by the agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101. 

LVNV is also deliberately treating a debt validation under Texas Financial Code as if it were a dispute under FCRA. I believe this to be an abusive application of the FCRA dispute process, as placing dispute comments derails credit applications. This seems to be a common tactic lately, and their intent is to discourage consumers from seeking their rights to debt validation under FDCPA and state statutes. In my letter, it states I am requesting validation. They are broadly interpreting the term dispute. If LVNV DID actually consider the letter to have been a reportable dispute, then they must treat it as a direct dispute and investigate it as such, conclude that investigation within 39 days, and send a NOTICE OF RESULTS to the consumer. They thus did not treat it as a direct dispute, undermining their statement that it was a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: Park View Credit
State: MI

Complaint narrative:
i was tolled i would have a credit score of XXXX at the end of six months.by the Customer Support Specialist worked on my case. which she no longer works their.. in fact they lowered my score ... nothing changed. they keep disputing things that i was paying on like my car payment, my credit card, etc. they company is parkview credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV LLC is reporting on my credit report that I owe their company {$640.00} dollars. I have submitted in writing asking them to send me any signed documentation by me that I owe this balance and for what. LVNV has not responded to my request for the signed documentation but continues to report this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My father ( deceased ) had a reverse mortgage on my childhood home. After he died the mortgage company ( Financial Freedom ) said that I, as legal heir, would be allowed to purchase my father 's home for 95 % of its fair market value. They sent an appraiser who took a photo of the front and rear of the house and added a {$450.00} appraisal fee to my father 's account with Financial Freedom. The appraiser never even came inside ( my family and I were living in the home at the time of appraisal and were in fact living with my father before he died ). The appraisal came in at $ XXXX. The $ XXXX was very near the assessed value posted by the board of assessors. I suspect that some percentage of the assessed value was used in lieu of a real inspection and appraisal. This phony appraisal meant {$120000.00} to me using the 95 % figure. I told Financial Freedom that the property was not worth {$120000.00}. This was confirmed by a real estate agent, and friend, who lived next door. I told Financial Freedom that I wanted to get my own appraisal and they said only their appraiser could be used. In XXXX 2015, my father 's property was sold for $ XXXX to a total stranger. I feel completely cheated by this dishonest appraiser, Financial Freedom and XXXX XXXX ( the buyer at auction ). My real estate neighbor predicted that they would be very lucky to get $ XXXX for the house. How right she was. My husband is a veteran and has access to a VA Loan. We would have gladly purchased my father 's property for the $ XXXX ( real fair market value ) but were never even notified that they would sell it for $ XXXX less than they originally told us. Completely unfair and immoral and criminal in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 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: TN

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Good Morning, I faxed 3 letters to LVNV FUNDING , LLC XXXX, SC XXXX regarding a XXXX Account Number XXXX ... .. It is not my Card ... ..I have asked them to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
They keep sending me collection notices in the mail and are reporting the discharged debt on my credit report as active and past due as of XX/XX/XXXX. the debt was discharged XX/XX/XXXX and sold to a different bank. the original owner of the debt was one west bank they sold this debt to XXXX and they collecting and misrepresenting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: ID

Complaint narrative:
LVNV Funding who has their debt collection conducted by Resurgent Correspondence Has illegally re-aged the debt on this account. This account was first delinquent in 2009 and is due to come off credit report this year as it is past the 7 year mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
Last year we refinanced our mortgage with New American Funding to pay off some debit and potentially drop our mortgage insurance. The beginning of the process was promising but that quickly changed. The loan officer we dealt with was XXXX XXXX, there were many problems with the loan, XXXX being they said they were not going to go forward with our loan after they charged the appraisal fee because our current mortgage company reported we were 30 days late. After speaking with XXXX and XXXX and I believe XXXX other person explaining we had never been 30 days late I had to take matters into my own hands. I printed my own credit report which shows perfect payment history but that was n't enough luckily a wonderful person at the current company confirmed I was correct. XXXX and his team made no effort to fix this simply wanted to call it a day and cancel loan. The loan moved forward, we wanted a fixed loan of course because its common knowledge that ARMS are not always a good idea but XXXX promised that because we were doing business with New American Funding which does everything in house, we would easily be able to refinance again in 6 months at no cost and streamlined into a 30 year fixed and he would personally call us in 6 months to make sure this is taken care of. We trusted him after much going back and forth with him and moved forward. Of course 6 months later we heard nothing, I contacted XXXX who referred me to another officer in XXXX beach because he had been promoted to sales manager or something to that nature. The man in XXXX informed me that what I described is not something they do I would have to do a new refinance which would include all the normal fees and it would n't benefit me so to just give it a year or so. In addition to these problems we also did n't receive the same amount of cash promised at closing and when I began asking questions I was told " it will all shake out in the end '' I will get additional funds in the mail from escrow, XXXX of course nothing ever came. This was our first time refinancing and am sorry this was such a horrible experience and feel as though we were taken advantage and probably was told anything to keep us going so he could meet a quota, after all he did get promoted very shortly after our loan closed. We are now forced to refinance again to make sure we can keep our rate low and locked due to our income and pay thousands more that we truly do not have. I hope others can learn from our situation and New American Funding can enforce integrity as well as better customer service with their loan officers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hello, Near the end of 2011, I fell behind on my mortgage payments because I separated from my husband and finances changed drastically. I immediately applied for a loan modification. I followed through, faxed the application and all necessary documents to One West. Kept in touch with them to make sure they had received them. But every time, there was something missing, or they did n't receive my documents, or the documents had expired because so much time had passed since the first time I had sent the first documents. I felt they were playing me because I knew they had received them. They waited for all that time to go to then tell me, my documents had expired. I have read many similar stories from other homeowners and this bank. I did everything they asked me to and they still took my home, our home. My children and I were devastated whenever they would post our door and finally when they took it from us. This bank had no intention in giving me a modification. We had more than enough time to get it done before the sheriff sale. Finally, just two weeks before the sale, they told me I qualified for the modification but it was too late because the sale date was too close. I could n't believe what I was hearing. This bank has to be punished for what they have been doing to homeowners. It is not like I ignored their phone calls or abandoned my home. I need to help and want to be compensated for my loss. They wanted to take my home because the way they would gain nothing by letting me keep. On the contrary, they would get paid from the FDIC because of the deal they had struck with them. 
The address of the house the took from me is XXXX XXXX XXXX, XXXX, PA XXXX. 
BorrowersXXXX XXXX XXXX XXXX and XXXX XXXX. 
I would appreciate if this agency does something those heartless people who only care about their pockets. I had no money to go to an attorney, otherwise, I would 've fought them till the end. 

Yours truly, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Concord Resolution Inc (Closed)
State: CA

Complaint narrative:
A representative from a company named Concord XXXX phoned me claiming I owed for a pay day loan from XXXX. The representative could not identify the company where the loan originated. She knew my address and said numerous attempts were made to serve me a summons. She also claimed they were representing XXXX XXXX, a clearinghouse for collecting pay day loans. My credit union account shows no record of any pay day loan during that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 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: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
This debt collection company continues to show up on my credit report and has/ is committing the following violations : ( 1 ) Continued attempts to collect debt I do not owe : Debt is not mine ; ( 2 ) Failed Disclosure verification of debt and still reporting account : The information this company has provided is woefully deficient and fails to establish that this is a valid item. First, they have not, by any credible means, demonstrated that I owe this alleged debt to their organization. They have failed to provide any document bearing my signature that would establish that I have any indebtedness to your company. They have also failed to provide me with a complete statement of accounting as required by law to be considered full and complete validation. 
Second, they have merely provided a copy of their invoice from your own debt collection company which is simply not enough satisfactory proof that I, personally, incurred this alleged debt. They have failed to prove that there is any legal or contractual obligation between myself, theiry agency or the creditor. 
Third, they have failed to establish any relationship between me and the purported debt. All of my personal information from their attached letter was received after I mailed correspondence to them. I demand that they discontinue reporting this item to the credit bureaus and, in fact, that they delete the item.They have failed to provide ANY credible proof that the alleged debt is mine or that the alleged debt can be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 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: MO

Complaint narrative:
This is the number I received and my husband received on his phone from Oracle Financial in New York. XXXX.a man by the name XXXX XXXX he stated. He was going to have me arrested if I did not go in to XXXX XXXX Friday XX/XX/XXXX to pay on my now XXXX pay day loan. He said I frauded them when I took put the loan. I had an account and money going into it. I called back and he did not answer, so I left him a message I would be in Friday with XXXX dollars and XX/XX/XXXX with a XXXX.and pay it off in XX/XX/XXXX. I also told him it was a recorded phone call on my phone and also he was violating the FDCPA by threatening me of being arrested. He said that on his end on the call we received the warrant would be issued this weekend if I did not pay.

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 non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, my home was foreclosed on. The first month of delinquency was XXXX XXXX for the XXXX and XXXX mortgages. The derogatory information remained on my credit reports for 7 years from that date of first delinquency and fell off XX/XX/XXXX. This year, XX/XX/XXXX, Real Time Resolutions re-inserted the XXXX mortgage on my XXXX and XXXX credit reports with new inaccurate information. I disputed this inaccurate information with XXXX and XXXX on XXXX/XXXX/XXXX. I also sent Real Time Resolutions a certified letter with return receipt demanding validation. I still have not received any supporting data for this debt but Real Time Resolutions has supposedly verified the debt with XXXX and XXXX. The home was foreclosed on in XX/XX/XXXX, so it is impossible for any activity to have occurred after that date. Real Time Resolutions re-aged the last activity to XXXX, which is a lie. I sent the credit bureaus in all of the supporting data showing that the re-insertion was an old debt from a foreclosure from XX/XX/XXXX and they have ignored my requests to delete. I feel the acts of Real Time Resolutions are unethical and violating my rights to fair credit reporting. The derogatory information remained on my credit report for the 7 year length that the law allows and Real Time Resolutions should not be allowed to re-insert this old debt.

Company response to consumer: Closed with explanation