vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc
State: VA

Complaint narrative:
My mother and I had the same first and last name. I continue to receive letters and phone calls from Northland Group indicating that I owe debt. I contacted Northland Group who requested my social security number and DOB. I refused to provide my SSI and only provided my DOB. At this time, I was told that my contact information ( phone number and address ) will be removed from their list since DOB did not match the DOB on file and that I will receive no more contact from Northland Group. I was then asked for my mother 's contact information. The very next two days I received phone calls from a man who did not introduce himself, informed me that the phone calls will be recorded, and immediately asked me for my DOB. I asked who he was and what this was in regards to. He told me his name and indicated that he is from Northland Group and that it is a confidential matter and that he can only disclose information if I verify my DOB. I gave him only my year of birth. He then indicated that my phone number will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Movement Mortgage LLC
State: NY

Complaint narrative:
My wife and I gave personal information to XXXX XXXX a loan officer for a loan from Movement Mortgage LLC. We found and can prove that the mortgage company was subsequently padding expenses that they promised not to charge. Accordingly, we withdrew our application. We asked that the mortgage company shred all our documents and delete all our personal information from their computer files. The mortgage company will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Nationwide Debt Management Solutions, LLC
State: FL

Complaint narrative:
Called me at my employer 's, when I said I am at work and hung up, called back and asked to speak to HR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
RE ACCOUNT # XXXX CLIENT REFERENCE : # SAME COLLECTIONS ACCOUNT # XXXX XXXX CONTINUE TO GET OUTSTANDING BILLS FROM \XXXX XXXX XXXX. WHEN I SIGNED UP IT WAS ONLY A MONTH PROMOTION FOR XXXX A WEEK. I HAVE CALLED TO CANCEL AND CANCEL AND I STILL GET BILLS. NOW I AM IN COLLECTIONS SO I AM VERY UPSET.

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 2015-06-05 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:
Resurgent Capital Services has been billing me for a debt which I have disputed. I sent them written notice and also called them back after they had contacted me at my place of employment along with numerous other phone calls. They sent me another notice XXXX XXXX, XXXX with Historical account information where they claim this was an XXXX XXXX XXXX XXXX XXXX, original collection date of XXXX/XXXX/XXXX with a charge off date of XXXX/XXXX/XXXX and their information saying the debt was acquired XXXX/XXXX/XXXX from XXXX XXXX XXXX. So now in XXXX they want to open up and collect on something from XXXX, how is that possible?? Resurgent claims the original amount at time of acquisition was {$180.00} and they are adding Interest of {$160.00} for a total of {$350.00}! I have repeatedly advised that this bill is not valid or due, and something going back so many years?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: SC

Complaint narrative:
In XXXX of XXXX we purchased a home in XXXX, Ohio. After we had lived there for about a year, we discovered that we had bought an " over-inflated '' home. Although it was over-inflated, we continued to make payments. The private owner that we were involved with processed a shady loan for us. During this time ; not only did our loan get sold three times but the payments increased nearly three times than when the lloan first originated. The broker did jail time when all the loans got investigated. This property has sold twice since XXXX. But yet there is a {$30000.00} loan balance that a loan company inTexas is reporting us " late '' every month on our credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
called saying he is a court processor and has papers to serve me. 
If i do n't response or accept I will be prosecuted. 

Numerous calls to family members. 
Have my civil lawyer call and send a cease and desist letter

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

Complaint narrative:
On XX/XX/XXXX a request for judgment in the amount of {$1100.00} plus costs ( now over {$1400.00} ) was asked on behalf of the XXXX XXXX XXXX from a debt collector through attorneys XXXX, XXXX XXXX XXXX XXXX XXXX acting on behalf of LVNV Funding. I never received notice of this while the Plaintiff tried to reach me via server or certified mail during XX/XX/XXXX because I had moved to XXXX that month. The XXXX XXXX XXXX ordered a notice issued in the XXXX XXXX XXXX. Again, I never read the paper after living in the county and town of XXXX for XXXX years after moving to XXXX in XXXX. A default judgment was awarded to the plaintiff by the court and I only found out about it in XX/XX/XXXX when I received notice I would be garnished in the amount of 25 % of my wages. I contested the garnishment on the basis I was not notified and this was not my debt. On XX/XX/XXXX the judge denied my appeal and the garnishment has continued. I contend that this debt is not mine and I have asked the current attorney, XXXX XXXX XXXX at XXXX, XXXX XXXX XXXX for proper proof that this is my debt. He stated he would have to take some time to do so. In the mean time I have received another letter from XXXX XXXX XXXX XXXX, on behalf of LVNV, for {$3300.00} for another debt that is not mine. I am in the process of asking for proof of this debt. The only negative marks on my credit report are from LVNV and XXXX XXXX, another collection agency related to LVNV. I believe that LVNV is fraudently garnishing my wages and attempting to collect more through illegal and immoral practices. Their license was taken away in Maryland a few years ago and ordered to pay restitution of over {$10.00} XXXX to people they had collected funds from in which they had no right to do so. I am looking for a stop of all collection attempts and garnishments. While the XXXX XXXX XXXX XXXX have followed the law in denying my request for appeal, I believe that this debt must be proven to be mine by the collector before being able to do so. If in criminal court a person is innocent until proven guilty then should n't this also hold true for civil cases? By the way, the only paperwork given to the court by the original attorneys in this case is a blank credit card agreement with no name, social security number, account number, amount, or signature. How can this be used to show that I owe anything to this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX XXXX, we purchased a boat from XXXX n/k/a XXXX Boats in XXXX, XXXX. The boat was financed by CIT Group/Sales Financing, XXXX XXXX, XXXX Our loan was serviced by XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, we received a letter from XXXX XXXX confirming our loan had been paid in full. To date, we have not received the clear title to our boat. I have contacted CIT Group, XXXX XXXX and was told neither now services our loan. In XXXX XXXX, XXXX XXXX was acquired by XXXX XXXX. I now wish to sell the boat ; however, all three entities have told me they do n't know anything about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
So I was approved for a loan through TIDEWATER FINANCIAL ON XX/XX/2016. However, my monthly payments per contract is due the XXXX of each month. I made the payments on time which was 45 days after I got the vehicle. However, in XXXX, I fell ill and a payment was not made. When I learned of this I immediately made a payment. I had been in communication with TIDEWATER, letting them when a payment would be made. I 've been making my payments on time and they have reported my payment 90 days past due. TIDEWATER took upon themselves to change my due date without my consent, written documentation. I have my bank statement and/or money order receipts as proof that my payments are made 10 or more days in advance. I have wrote letters, emails, text messaging requesting that my due date be changed back to its original date. TIDEWATER IS REFUSING TO DO SO AND KEEP RUINING MY CREDIT with false/wrong/fraudlent information. I spoke with TIDEWATER ON XX/XX/2016 trying to recify this but they refuse to clean my file up. I have disputed this with the credit bureaus and nothing is being done. Also, per TIDEWATER representative that all my payments went to interest. How is that possible, who has {$530.00} in interest each month? There is clearly some fraudlent activity going on here and this needs to be investigated ASAP. I 'm more than willing to send a copy of my loan contract to you to back up my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Oracle Financial Group LLC.
State: OH

Complaint narrative:
XXXX XXXX XXXX contacted myself, my husband, and my son 's father to get ahold of my son concerning an advance payday loan from XXXX for {$130.00} from XXXX 2014. 
XXXX XXXX XXXX stated that my son committed fraud against me. XXXX XXXX stated that he worked for the Oracle Financial Group in accordance with the XXXX County Courts. He will be changed through the XXXX County Courts if my son, XXXX XXXX, does n't call by XXXX XXXX. That was the message left on my husband 's cell phone for me. 
When XXXX XXXX called me directly, he said about the same thing, but XXXX XXXX had to call him back by XXXX or he would have the sheriff 's department go and arrest him at work and XXXX would lose his job. 
XXXX XXXX also knew all of my previous last names, my birthday, and my social security number. XXXX XXXX also stated that he would have me arrested if XXXX did n't contact him. I am XXXX and makes me afraid because of his tone and threatening attitude. He also knows my address. 
I do not want this company or anyone associated with the Oracle Financial Group LLC to ever contact myself, or other family members again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 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: OK

Complaint narrative:
I have XXXX collections on my credit report that have been added by companies that I have never had an account with. One is XXXX XXXX and the other Is called LNLV Funding. I have never opened an account with either go these institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
I was contacted by XXXX and they were attempting to collect a debt from Continental Finance. A company with a history of using illegal practices to take advantage of consumers. I explained that I do not owe this debt and the account was paid in full as part of a debt consolidation. They are reporting this debt with a false original creditor. I have attempted do dispute this and they will not put up the correct original creditor. I only assume because they know Continental Finance was sued by the CFPB and want to use deceiving tactics to not allow me to dispute the information on my report correctly. Upon research I found that Continental Finance was ordered to pay all effected consumers of the illegal practice by direct payment or account credit including credit to collection accounts. If I have a valid debt XXXX would have applied this credit to my account. They basically did n't acknowledge my dispute and they continue to report this on my credit report as an original loan from " XXXX XXXX XXXX '' this is not even a real company I have researched and XXXX XXXX XXXX said they are not the same XXXX XXXX and they habve no affiliation with XXXX XXXX for debt collection. XXXX seems to be wanting to tarnish my credit by keeping this on my report as a different lender.I do believe Continental Finance is not allowed to effect consumers reports do to the illegal practices. I only asked that they give me more detail in order for me to pay this debt XXXX will not give me anything validating this debt and they told me that they did not and do not have to pay for detailed account information in order to attempt to collect on the debt. Basically I am a name on a list with social and and contact info. They also said my account number was changed from a XXXX to XXXX which is the reason I do now have records of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Company is not working with me. They are not responding back. I need this account resolved and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: MD

Complaint narrative:
First National Bank charged me over {$190.00} of overdraft fee in {$12.00} increments every 3 days while I was travelling outside the country. The original charge that caused the overdraft was less than {$10.00}. When I came back after a month, I called the bank to inquire about the charges and they told me that they closed the account and sold the debt to a debt collector. The bank has my email and my phone number but I believe they did n't make any honest effort to inform me of the account status.

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 2016-12-12 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: OH

Complaint narrative:
I have a a unverified account from FAIR COLLECTIONS & OUTSOURCING. I had previously disputed this account. I have never done business with FAIR COLLECTIONS & OUTSOURCING # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FAIR COLLECTIONS & OUTSOURCING Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FAIR COLLECTIONS & OUTSOURCING Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2015-08-14 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: TX

Complaint narrative:
The root of the problem goes about 6 months ago when my son 's XXXX XXXX got involved on an accident with XXXX XXXX, client of XXXX XXXX, reference # XXXX : XXXX/XXXX/2014. The accident was resolved and declared as mutual responsibility. However, XXXX claimed it different to XXXX, who paid her claim and after filled a collection bill on my name and my son 's name. Soon, I started receiving letters and threating phone calls from a company called AFNI, saying they were legal representatives of XXXX and telling us we need it to pay the bill immediately or face jail time, drivers license suspension and claims on the credit bureaus instead. After reporting this situation to XXXX, XXXX representative XXXX XXXX closed the case and sent me a letter saying the collection was definitely resolved and apologized for the inconvenience. I have this letter on my possession, showing that the case was closed and resolved. We moved on, but two weeks ago my son got pulled over to find out his license had been suspended by XXXX and AFNI collection company since the accident took place. He was driving without a license for months and we did n't know because we were not notified by either of these companies. We have contacted the State and pertinent authorities and they have told us, they need form XXXX signed in order to reinstate my son 's driver license. We have repeatedly called AFNI collection company and asked them to signed this form giving the proof that the case was closed and resolved, but this company supervisor refused to signed and laughing told me " you can paid the amount ( collection bil ) or you will never see your son 's driver license again '' " this is not my problem, contact XXXX and have them sign ''. I contacted XXXX and faxed them the letter they sent me stating that the case was closed, and I have got nothing but promises that someone is going to help me, but no one has. In the process, my son has no driver license and I 'm sending off to college. Also, I requested a proof of debt which I never received, most likely because this case has been closed and resolved and because we never went to court over this debt that was falsified by XXXX, client of USAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I was in the process of purchasing a home and had some issues negotiating down my interest rate. The lender was dragging his feet on locking in my rate. That should have been the first sign of trouble, however we tried to stay on top it. When we were given the final numbers, we did not accept the interest rate at the time because it had jumped to a 4.25 We were initially working with the 3.625 rate. The lender tried to give us some excuse that it was out of his control. So we told him that we would like to decline, we would not be able to afford the new payment of XXXX with the rate he tried to give us. He asked us to wait so that he could " work some magic '' with the numbers. He finally said i did it, i got you a 3.625 and your new payment is XXXX. We were a few days from closing, I had already paid a deposit that I would surely be losing, and we had only limited time to close escrow, and fund the loan. The last week of the loan process was hectic and me missed some very important information. After we closed, about 10 to 11 months into my loan i started receiving letters from the mortgage company that my escrow account was short and that i would be responsible for paying back some funds. My new payment would now go up to XXXX and i also need to pay about XXXX in property taxes. I immediately sought out another lender, i was able to streamline my loan with an even lower interest rate and really concentrate on making sure my escrow account was done properly. We discovered that the " magic '' that XXXX XXXX with New American Funding worked, was only allowing XXXX every month towards our escrow account. Our initial paperwork with the title company showed an estimate of XXXX towards taxes, XXXX towards insurance, and XXXX towards PMI. How they were able to manipulate the numbers after closing is why I am reporting this. After we moved our loan, two days before closing New American Funding asked for a pre pay penalty that they revised from the initial payout numbers they gave. They wanted even more money from me before they would release the lien on my property. We had called customer service several times to resolve this however, this seems to be a standard operating procedure for New American Funding. I feel that we were victims of predatory lending and loan fraud. I thought the mortgage laws were stricter and helped to prevent things like this from happening. Our city was involved in one of the nations most horrific mortgage fraud cases with XXXX XXXX, so i assumed all real estate agents in XXXX California would cross there t and dot there i 's. I would like to have my initial paperwork audited and I believe there are more victims out there who have also been subjected to predatory lending and loan fraud by New American Funding. I also want this pre pay penalty to be refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation