vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Lend Smart Mortgage, LLC
State: AZ

Complaint narrative:
I worked as loan officer/branch manager for LendSmart mortgage in XXXX AZ. 
They did not pay me my comp plan, they were charging me for " branch " expenses and pay me what was left over .They were running NET branch which is illegal .When I tried to resolve that with them they emailed me that they would not pay me what was still owed to me and they did not even 6 months after I resigned. They also requested in order to be paid what was left over to sign agreement that I am waiving my right to come back and ask for even adjustment if numbers were not correct. At that point I did not sign anything because their accounting was horrible and they had mistakes pretty much on every pay period .They would not pay me and after we " resolve '' discrepancy it will be another reason for not paying. I did not want to sign agreement because I believed what they did was not right and by rules but they were ones that holds my paycheck and they could do anything they want. This company simple should not be in business at all. They also when I resigned email me that if I do not sign same paperwork they would not pay me at all due for me breaching a contract and violating some rules even they never write me up fro anything and never told me about that either until that day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC
State: AL

Complaint narrative:
Company mislead on the interest on a loan and payment terms. I called to get clarification and spoke to a manager who told me that there was n't anything she could do to rectify my problems. I tried mercilessly to get the problem resolved to no avail. I felt cheated and mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I 've been a customer off and on for several years. Worked for the company for 9 months recently. Had current loans with them, that were not due. Left the company, because I was offered a more lucrative position and they kept my entire last paycheck to pay off loans that were not currently due. I have XXXX children ato home and {$700.00} this close to XX/XX/XXXX is devastating to my family. This is disgusting and a foul way to treat someone that was a loyal customer long before they were an employee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
Debt was already to XXXX and account was satisfied by company paid Dynamic recovery has bought old credit report from third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
I took a loan for XXXX and I 've made over XXXX payments for each month, and I 'm still owing XXXX after making payments totaling XXXX after 3 months. I 've made XXXX payments since the middle of XXXX XXXX, XXXX. They have me schedule to pay the loan in XXXX XXXX, but since I 'm sending extra they now have move the payoff day to XXXX XXXX instead of XXXX XXXX. With the payments I have schedule their going to earn over XXXX extra in fees and interest for a loan to be paid off in less then a year. The name of the company is Rise XXXX from of the Internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: IL

Complaint narrative:
Repeated phone calls from at least two different phone numbers to my work phone. Calls are made by an automated system and instruct me to call back a certain number. I began rejecting these directly to voicemail ( XXXX ; XXXX ). I am having my work number changed in the hopes that this they have a wrong number. 

Here is the text of all messages : Female Voice : " Today an order of validation : notice of demand was issued on & lt ; apparent account number & gt ; ( computer voice ) to be sent to & lt ; name similar to my name & gt ; ( computer voice ) in the next 24-48 hours. The opportunity to resolve on your own terms will expire upon receipt. Please call immediately at XXXX. Male Voice : '' Action message documented ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX bought a credit card debt from another creditor.
I have been making payments on the debt. I have paid them the principle and more. The $XXXX balance is all the late fees. I mailed them a settlement letter on the XX/XX/2015 and they have not responded to me by mail. I requested that I wanted to be contacted by mail only. They have sold this debt to another collection agency, but they are still collecting the debt.


Credit Limit   $XXXX
High Credit   $XXXX
Balance        $XXXX
Past Due      $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I want to inform CFPB, that I have sent Debt validation and proof of claim letters pursuant to my private rights of action under FDCPA and FTC to CIT Bank and Onewest Bank Mortgage Servicing on several accessions. As of today, CITB has not validated, verified much less provide proof of claim according to law, FDCPA and FTC. 

In ADDITION I want to report that there was three Assignments recorded on my property XXXX XXXX XXXX, XXXX, CA XXXX that I just recently found out. 

The First Assignment of Deed of Trust recorded on XXXX/XXXX/XXXX at XXXX XXXX XXXX Recorders Office, executed by XXXX XXXX XXXX, as Vice President for Indymac Bank, XXXX The Second Corporate Assignment of Deed of Trust recorded on XXXX/XXXX/XXXX executed by XXXX XXXX, as Attorney-in-Fact for FDIC as receiver for Indymac XXXX, XXXX The Third assignment of Deed of Trust, recorded on XXXX/XXXX/XXXX and executed by XXXX XXXX XXXX, as Attorney-in-Fact for Indymac XXXX XXXX, XXXX. 

As it is well known, XXXX XXXX XXXX is an infamous robosinger. All you need to do is XXXX and enter her name to find out that she signed thousand of instruments and documents that facilitated the initiation of illegally foreclosing on properties without legal and lawful authority to do so for over a dozen different entities and with titles as Vice-President to Attorney-in-Fact etc. 

As you can see, I 'm very concerned as these assignments ' were recorded several years after the alleged loan was originated and is proof that there is broken chain of title. 

In CIT response letter, CIT claims that CITB is the INVESTOR of the loan. I never contracted or singed any agreements with CITB. 

In conclusion, I want for CITB bank as a DEBT COLLECTOR to respond to my debt validation and proof of claim demand according to the law, FDCPA, FTC and once and for all validate, verify, and provide proof of claim with someone with personal knowledge and authorize to do so under penalty of perjury. These are my private rights of actions and demand that these entities identify themselves under the law. 

sincerely, XXXX XXXX XXXX Please see the Exhibits attached to all these allegations

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: TX

Complaint narrative:
I have been receiving calls from several different numbers stating that I am " a person of interest '' and must file a statement within 48 hours or the case will be forwarded for further legal action. 
The first time I actual spoke with a person, I was asked to verify my SS and I refused. I told them to stop calling me and that if this involved a debt they needed to contact my attorney who works with XXXX XXXX XXXX. ( I work in the XXXX ), I gave them all the contact information to reach XXXX XXXX XXXX, XXXX, which they have not done. 
They continued to call me and leave automated messages on my phone. 
When I call them back after a few weeks, I had to verify the last XXXX of my SS. Then the man ( XXXX XXXX ) said I took out a payday loan in XXXX 2013 from XXXX XXXX, and still owe {$480.00} on it, how do I plan to take care of this debt. I said I never had this loan and have never heard of XXXX XXXX. I told him he would have to talk to my attorney, and that once I got validation of the original loan I would have my attorney call him. He claims to be with Concord Resolution and his numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: FL

Complaint narrative:
The original collection agency XXXX XXXX XXXX , XXXX has been reporting this collection on my XXXX credit reports ( XXXX, XXXX, and XXXX ) since XXXX. The reported original creditor is XXXX XXXX ; I have never had an account with XXXX. The original collection agency has assigned this debt to several other collection agencies ( XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, and Resurgent Capital Services XXXX ) over the years to attempt to collect this debt. I have requested debt validation from XXXX, got no response from one CA ( XXXX ), and the last CA ( Resurgent ) has yet to send me competent evidence to prove I owe this debt to them. 

I first disputed this collection with XXXX and XXXX in XXXX XXXX as reporting inaccurately as OPEN and the results came back with nothing changed and it continues to report as OPEN on my XXXX and XXXX reports but reports as CLOSED on my XXXX report. 

On XXXX/XXXX/XXXX, I sent my first debt validation request letter directly to the source, XXXX. The letter was re-routed and delivered to an address in XXXX, SC on XXXX/XXXX/XXXX ; which I now know is the address to Resurgent. After over 35 days and no response from either XXXX or Resurgent, I sent a letter to both XXXX and XXXX ( with a copy of my letter sent to XXXX ) to remove this collection as the CA has not provided proof of validation. Then on XXXX/XXXX/XXXX, I received a letter from Resurgent with attachments ( an account summary report and a quick bill summary with my name on it ) which does not properly validate a debt. 
I, in turn, sent a second debt validation letter to Resurgent on XXXX/XXXX/XXXX demanding they send me competent evidence of debt validation within 30 days of receipt of my letter or have the original CA remove all references of the account from all XXXX credit reports. It has been over 30 days and I have not received a response from them. 
I am fed up with these collection agencies taking advantage of consumers and having the ability to add negative information to our credit reports without just cause. 
I am at my wits end and do n't know what else to do at this point.

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

Complaint narrative:
LVNV Funding had me summoned XX/XX/XXXX, and after XXXX court dates and no validation of the debt during all XXXX dates the attorney representing them dismissed the case on XXXX XXXX, XXXX in court and, in XXXX county TN. They were suing me for XXXX. I recently looked at my credit report and they are still reporting, and now the balance has risen to XXXX. They could never provide validation of the debt, and it was in a name which I have n't used since XX/XX/XXXX, due to a divorce. I want this removed from my report immediately. I can provide documentation, but do not have it at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC
State: OR

Complaint narrative:
This company misrepresented their terms and charged fees that were not agreed to. I sent a request to close the account with a check for the balance owed last fall. Instead of closing or cashing the check they charged additional huge fees to renew the card. I have sent several follow up requests for them to close the account and asked for follow up on why the check has not been cashed. I have sent these return receipt and have not gotten any response. They have continued to add fees and now have reported it as late/bad account on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My chief complaint is Pentagon Federal Credit Union is in breach of contract for changing their policy on the criteria for removing Private Mortgage Insurance ( PMI ) that was explicitly agreed to at the time of closing on the loan. The Credit Union is changing the terms of the agreement for removing PMI in its favor now that I am finally eligible to remove PMI. 

At closing Pentagon Federal Credit Union provided a document titled ( enclosed ) : " WHAT YOU NEED TO KNOW ABOUT OUR SERVICING OF YOUR MORTGAGE '' In this document, the following policy was stipulated for removing PMI : " PRIVATE MORTGAGE INSURANCE Private Mortgage Insurance ( PMI ) protects PenFed against the risk of loss should a mortgage loan default. PMI is required when the outstanding principal balance of the loan is greater than 80 % of the value of the property securing the loan. The homeowners Protection Act XXXX requires PenFed to provide certain disclosures and notices. The PMI Act requires PenFed to Automatically terminate PMI when the loan to value is scheduled to reach 78 % of the property 's original value, as long as the loan is current. The PMI Act also allows you the option to request PMI be cancelled when the loan value reaches 80 % provided you have a good payment history and the property value has not declined. PMI can also be cancelled after XXXX month if the loan to value reaches 80 % of the " current value. '' In order to cancel PMI based on " current value '' a new appraisal is required. The expense of the appraisal is the borrower 's responsibility. '' ADDITIONAL FACTS : On XXXX XXXX, XXXX, I purchased my primary residence with PenFed as the lender ( enclosed ). 

On XXXX XXXX, XXXX, I sent an email to Pentagon Federal Credit Union to request an appraisal on my primary residence for the purposes of removing PMI from my exiting mortgage ( enclosed ). 

On XXXX XXXX, XXXX, the Pen Fed representative sent a reply email, indicating a 75 % loan to value was required to remove PMI instead of the 80 % agreed to at the time of closing ( enclosed ). 

My Primary Residence : Original Value = {$270000.00} ( enclosed ) Appraised Value on XXXX/XXXX/XXXX = {$330000.00} ( enclosed ) PenFed was the original lender. No refinances were done. A conventional loan was used. This was not a higher risk of default loan. I never received a new Policy from PendFed regarding changes to removing PMI.

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 2016-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Oracle Financial Group LLC.
State: CA

Complaint narrative:
This probably falls under numerous categories. The copied message below is a transcript from my voicemail system of the voicemail he left me yesterday. 

" Just wan na call a wan na (? ) call only is for XXXX XXXX XXXX (? ) birthday XX/XX/XXXX. XXXX XXXX (? ) XXXX and XXXX. My name is XXXX XXXX. I work for the attorney 's offices of Oracle Group fraud litigation apartment and we do work for XXXX XXXX County Court. So you have some very very serious allegations on my desk unless you call us all-this (? ) is by noon Pacific standard Time today Wednesday XXXX XXXX you 're gon na have to retain attorney XXXX XXXX. You also gon na be served papers to the XXXX XXXX County Sheriff 's Department at your place of employment just as simple sir and I 'm pretty sure your employers will not be happy and per federal law sorry I 'm not allowed to leave you any other information. I really was n't he was supposed to give you a call sir but at the pool (? ) at the present moment you have no type of record on your social security number that I can see how this is XXXX XXXX. You call XXXX XXXX immediately sir. I just maybe I get rid of these allegations. My direct line sir XXXX XXXX. You need to reference citation number for the State of California one call me. Citation number XXXX. That 's XXXX. You have been notified sir. "

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 2017-01-26 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: OH

Complaint narrative:
My lease was ending on XXXX2015.. My boyfriend and I personally gave the property manager a 60-day notice that were leaving..The stay at XXXX XXXX was very XXXX and we had no security there. Therefore, while my boyfriend and I look for homes to move into ... sometimes my sister come to stay on and off until we find a new home. My sister and I personally went to tlk to property manager about having her take over my lease until it ends XXXX2015 ... Property manager XXXX had my sister do an application and pay for app fee ... My sister did all of that she got approved to stay until lease is cancelled ... .We all tlk about renewing it and I verbally told property manager no thank you I found a home and do n't want to cosign for my sister..Therefore, property manager told my sister she needs to find a Cosigner if she wants to renew the lease but if she cant find one then the lease is cancelled ... I told property manager find with me because were moving soon ... .In which we did right after my sister was approved we moved in our new home XXXX XXXX, 2015..I have proof when we legally signed papers on moving into our new home and my sister has paperwork when she legally signed to tke over my lease until XX/XX/2015 ( end ) ... I have proof of all my rent reciepts and my sister has proof for rent reciepts too. Last of all, I got information for a collection agency about breaking a lease and I owe money etc ... Im just confused bc i gave them 60 day notice in person and verbally said im leaving and that Im not cosigning for XXXX or renewing my lease. Now all XXXX of our credit is damage and I just want to figure how to fix this fast.

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 2016-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Real Time Group, Inc.
State: WI

Complaint narrative:
I have asked real time solutions several times to remove an account on my credit report that is showing open. This should be closed as it was after my bankruptcy discharge. This has affected my credit score and lending applications greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
I am trying to refinance my mortgage with another provider but because my current mortgage company switched servicers from a third party to in-house, they have stopped reporting to the credit agencies. They have not reported since XXXX 2015 and will not start again until XXXX 2015. They told me they wo n't report until XXXX but I am trying to refinance now. The credit agencies are reflecting my credit score as XXXX without a mortgage. Because of this, my score is lower. Because of the lower score ( XXXX without a mortgage ) I ca n't get the program I need to get a lower rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV never even sent me a letter saying that this debt was owed or where to send a payment to. There was no contact between me and this debt collector then all of a sudden on day out of the blue I recieve a court summons saying I am being sued. I was never given a chance to work out a payment areangemen ( which I would have done ) or anything of the sort. Now I have to pay the debt plus court fees and the laywer is telling me even if we dont go to court on this it will still show as a judgement on my credit. This seems unfair to me as I was never properly notified of the debit to begin with! How is it legal for them just to do this to people?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I 'm XXXX years old and I 'm scheduled to be foreclosed on XXXX XXXX. CIT Bank ( Financial Freedom ) has a reverse mortgage on my property. When I made this arrangement, it was with the intention that I would be able remain at my house for the rest of my life. I hve reached out ( or family has done so ) to come to a resolution whereby I can begin paying what CIT claims I owe in property taxes and thus avoid an unnecessary foreclosure. I have only Social Security, so losing my house would quite a challenge for me. I feel that I have not been offered or allowed to make an offer to help me remain in my house.

Company response to consumer: Closed with explanation