vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Vermont Student Assistance Corporation
State: VT

Complaint narrative:
I have serveral loans through the Vermont Student Assistance XXXX or VSAC. I am currently ahead on payments ; however, after several attempts to have the overpayment and/or ahead payments applied to the principal balance. Accorday to VSAC it is against their policy to put the overpayment to the highest principal balance, rather they mandate that the overpayment be put towards the lowest interest loans. If this was my home mortgage i would be able to make an over payment towards interest, escrow or prinicpal. Since when does a non profit have the ability to tell me how to use my money when I am over a year ahead on my loans. It seams that it lines their pockets more because instead of paying off the highest interest loans, they tend to funnel my payments to the lower interest ones.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 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: CA

Complaint narrative:
I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BROKER SOLUTIONS, INC.
State: ID

Complaint narrative:
In short, we closed. Everything looked good. our closing statement matched our pre closing docs, requiring XXXX cash to the table. Everything looked good. We are supposed to fund today. 

Yesterday I got an email from our broker asking for a check for XXXX to reimburse him for a credit on our closing docs. I am supposed to make it payable to the mortgage company and post date it. 

His explanation is that they gave us the credit for " advanced escrows '' as a loan and that they expect to have that money returned. They are threatening to hold up funding of our loan and / or redisclose everything, which then postpones the loan at least 6 days and funding another 3 days. 

I feel that this is not only shady and boarderline illegal ( maybe fully illegal ), but it places a hardship on us to have to come up with the money in a hurry. Nothing about this seems right. 

Apparently, he did inform me via email, which I completely missed. I would have said no to the loan at that point if I had seen it. I will include the email chains in the uploaded documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Affiliated Group, Inc
State: OH

Complaint narrative:
I noticed a derogatory medical reporting on my credit bureau and called XXXX at XXXX EST and spoke with a male names XXXX XXXX He stated this was a debt from XXXX. I advised its a small amount happy to pay but need proof of payment. XXXX state they did n't provide and write letter of PIF. 
I advised need this to confirm I paid off this debt and to whom the debtor was paid off to and for. Rep refused this information. 
I said then in this case I am disputing the debtor per my Right under the FDCPA to confirm the debtor in which I 'm paying and to whom is demanding the debt be paid to. Representative refused. He stated they only have to comply if request is in writing and that I have owed this bill long enough and should need anything further to pay it. 
I reminded him that FDCPA states if requested VOD must be provided if requested. I informed him I would be reporting this to CFPB and requested a supervisor if he will not process vod request. He transferred me to an empty voicemail with no ID. I left a message and am now submitting this complaint. 
also REMOVE FILE FROM MY credit BUREA AND CLOSE BACK TO THE ORGINAL CREDITOR FOR PAYMENT.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I have applied for a student loan income based repayment plan 3 times with Navient from XXXX - XXXX 2016. Each time, I sent the appropriate completed forms and copied pay stubs so they would have all information. After the XXXX time and the XXXX time, they said they never received anything. After the XXXX, I 've had no response at all. I ca n't get anyone on the phone. They respond to emails with generalized statements not related to questions. They never respond to mail. Meanwhile, my student loans are practically in default and I 'm at risk of having pay garnished, which would be financially devastating to me. This company is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
My bank, Metro Bank, was purchased by First National Bank. From the very first day we were unable to get into our account online and were not given any help from the branch. 
They have continuously charge fees and manipulated dates of both deposits and transaction. 
There treatment of the public is nothing short of disgraceful and underhanded practices.

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 2016-09-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
My company, XXXX, had a XXXX card with XXXX bank in XX/XX/XXXX to XX/XX/XXXX. As a result of the financial crises of XX/XX/XXXX/XX/XX/XXXX the company failed and filed XXXX XXXX Bankruptcy in XX/XX/XXXX. This debt was included, and XXXX, as part of the Bankruptcy. XXXX sold off this account to XXXX in XX/XX/XXXX and they were told by myself that this was a corporate, not personal, debt which had been XXXX in Bankruptcy. They, meaning XXXX XXXX, agreed to remove the debt from my personal credit ; which they did. It is now more than 5 years later and all of a sudden it has appeared on my personal credit once again. The first time it was an inadvertent error which they corrected after I filed formal complaints against them with the CFPB and Attorney Generals Office of New Mexico where I was living at the time. However, this time it feels as though it is malicious in nature and nothing more than extortion. They are trying to collect on a XXXX debt that they have been formally advised was disputed more than 5 years after the fact. This is harassment and a violation of my rights as a consumer and also a violation of THE FAIR DEBT ACT. Please help me resolve this matter once more and advise of my rights to seek damages against an out of control collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Having financial hardship after XXXX, I fell behind on my XXXX credit card. When I became financially sound, I negotiated a auto payment plan with XXXX 's collection agency. 

However, after a year of auto payments, unknown predatory collection company LVNV Funding LLC bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called XXXX and said the debt was discharged. 

LVNV harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this XXXX I was wrongfully sued by a predatory law office XXXX who works for LVNV. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 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: TX

Complaint narrative:
I SENT A LEGAL LETTER ASKING THE COMPANY TO STOP CONTACTING ME AND TO NOT REPORT THIS ACCOUNT ON MY CREDIT BECAUSE ITS NOT MINE AND THEY HAVE YET TO DO SO

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Oracle Financial Group LLC.
State: OH

Complaint narrative:
A supposed XXXX XXXX called my employer stating he was from Oracle XXXX, left his number for me to call back, I work XXXX shift, my employer then calls me at home to give me the message. His callback number is XXXX, I work for an XXXX XXXX XXXX, I have no clue what this is regarding, when I called back he would n't give me any information other than this is a debt and he is sending the police to arrest me at my work if I do n't pay him {$1500.00} right now. I told him to NEVER call my work again and hung up, he immediately called my work again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been waiting for Financial Freedom to send out an Appraiser to perform a BPO so that I can refinance my deceased husband 's Reverse Mortgage. I have been approved by a lender to do so. I explained this to Financial Freedom. I was given a value before of {$100000.00} and XXXX % of this amount would allow me to pay the loan off altogether. I am a senior, but at this time I wish to payoff the loan in its entirety. I can not get cooperation with an appraiser/bpo or should I send my appraisal in? I need a response from Financial Freedom to pay loan off

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 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: CA

Complaint narrative:
This is a follow up to Complaint # XXXX ( now CIT ) responded within days of your having contacted them. 

They have sent several letters, we have spoken several times on the telephone, the bank has acknowledged that they have no legal standing to continue to hold their lien against our home. 

Despite their promises to resolve the matter, today, three months after our initial contact with you and 20 months after we first requested that the bank release the lien, as of XXXX XXXX, 2015 the lien release has not been recorded. 

This morning I spoke to XXXX XXXX XXXX to express my dismay at the delay. I pointed out that if this were a sale, the transfer would be recorded in three - five days. He said he had no explanation nor was he able to contact anyone else in the bank who might have some insight into how to move the process along and reach a resolution. 

I appreciate the Consumer Financial Protection Bureau 's assistance and can say without equivocation that it was your involvement that moved the bank to begin a dialogue. 

I hope that you are equally able to help them solve this in a timely manner.

Company response to consumer: Closed
Consumer complaint received 2015-09-23 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:
In XXXX 2014 I attempted to obtain a verification of this debt that was reported on my credit report. They responded that they atempted to send me notice, albeit I never received any such notice. I offered them my current address to further substantiate the debt they say I owe. To date, I never received any further corrospondance and when I called them today to follow up, I was told that the account is in " dispute ''. Well, it has been in dispute since XXXX 2014. They state I owe {$2900.00} which I was informed is inflated due to interest however when I asked what interest they could not verify the charges, just that it has been 5 years worth. Per the FDCPA, i am entitled to know what charges I owe. LVNV has concluded they have complied with the FDCPA 's regulations however just saying that they have is not proof of their due diligence to satisfy my request. I am once again requesting proof of the calculations supporting the debt amount, The original creditors contract with my signature or a certified copy and a letter of assignment of my debt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Adjustment Bureau, Inc.
State: IA

Complaint narrative:
The XXXX amounts in collections by the Financial Adjustment Bureau on my credit report have never been reported to me by mail or otherwise. I have however been advised of XXXX accounts by mail, in collections that are not reported on my credit report. There are in all, XXXX discrepancies ... I do not know to whom I owe how much and to whom I would pay how much ... .I have never received correspondence about any of it. I am disputing the fact that I just now found out about all this, and why and where did this mess come from?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MRS BPO, LLC
State: PA

Complaint narrative:
I was just hit with a collections of {$160.00} from a " MRS BPO LLC ''. I have no outstanding bills so this is a fraudulent charge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Creekside Recovery And Capital Management
State: GA

Complaint narrative:
I received a voice mail on XX/XX/XXXX from XXXX XXXX stating that she is coming to my place of employment, will speak with someone to find out what time I will be in, then she is coming to my home and she will get in contact with one of my relatives. In this voice mail she never stated what company she represented and I take this type of voice mail as a threat.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
The company XXXX XXXX XXXX has been harassing me for two years now demanding payment from me even thought I have paid off this account as agreed and have file bankruptcy a few years ago on this account they keep trying to collect from me. Now they have contacted another collection company to called LVNV to try and collect monies from me and have violated my rights under the Fair Credit Reporting act-they have put this inaccurate information on my credit report which has caused my score to drop XXXX points which has made it difficult to by a XXXX unit building. The current company that has been harassing me is XXXX XXXX bank in XXXX XXXX NV. I have also looked online for information regarding LVNV most consumers state that the company is a scam. I have contacted LVNV and they are not pleasant to talk to and they have not done their due diligence regarding if this was a valid debt. They just sent negative information on my credit report which has affected my life tremendously, XXXX XXXX XXXX has been harassing me also for the last two years I paid the credit card off and on my credit report from Equifax in the year XXXX/XXXX/2014 states that XXXX has been paid as agreed and they close the account and now trying to get more monies out of me. I called they customer service number and they state their is nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Utah System of Higher Education
State: OR

Complaint narrative:
Approximately 9 years ago, I started working a XXXX at the XXXX. As a result, I could my student loan provider ( XXXX ) and asked them if I qualified for the public service loan forgiveness program, and I was told that I did not because it was only for XXXX. I also asked if I should consolidate my loans, and they told me that I should n't because my interest rate would go up. I called several more times asking about the public service program, and was told each time that my job did not qualify. I recently discovered that multiple people in my office are in this public service program and was directed to apply for it directly with the department of education, which I did. I then got a letter from the department of education stating that my job qualified but my loan type did not, and had I consolidated my loans they would have qualified. I have since called XXXX and found that they have records of all my call history that support what I have explained, but they have denied me and my lawyer access to these records we have requested. I estimate that the miss-information provided me by XXXX ( which is a contractor acting on behalf of the department of education ) has cost me about {$25000.00}. I am currently trying to get ahold of my call history because Senator XXXX XXXX has promised to try to help me get this issue resolved with the department of education since I was miss-informed by one of their contractors. I would like this to be resolved and either the XXXX or the department of education be held responsible for this misinformation. XXXX has argued that it was not their responsibility to inform me of what loan programs I qualify for and that I am responsible. I disagree with this argument for two reasons : 1 ) XXXX was acting as a contractor for the department of education servicing student loans, and as a result should be expected to understand student loan programs offered by the department of education ; and 2 ) if XXXX was not informed about the public service program or was not responsible for providing information about this program, they should have told me so to begin with rather than giving me incorrect information that I then made important decisions with. Now because they know they are responsible, they are denying me access to my own account information. Please help make this right for me.

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 2016-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Vermont Student Assistance Corporation
State: VA

Complaint narrative:
I attended college XX/XX/XXXX at XXXX at XXXX and I have been paying off loan since XX/XX/XXXX and have not made a dent in the amount owed. A matter of fact, I often questioned the amount owed and asked for copies of my promissory note, which I have never received. Through the years, my loan was transferred from one entity to the next and the outcome for me was increased in the amount owed. I continued to get hidden cost and the amount seems never to go down. It has been {$60000.00} owed for a long time and I have been paying anywhere from {$500.00} to {$400.00} a month. Lately, it shows {$58000.00}, which they continue to say it is only towards the principal. I would like to see my signature of what I actually borrowed and paid ; not just printouts of what I have paid. I feel I have been ripped off by XXXX and now the State of XXXX and the student loan industry. Where is my actual promissory note for the XXXX. They tell me that this is what they received from other lenders. What is the amount and why does it take years for the amount go down. A mortgage is cheaper than a student loan. I can not get legitimate information about the real amount borrowed so that I can validate the amount owed, which seldom goes down. This should be illegal. School - XXXX in XXXX, XXXX. I also attended XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XX/XX/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