vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-09 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I ordered XXXX engines from XXXX XXXX for {$4000.00} on XXXX/XXXX/15. He instructed me tosend money through Paypal and to select the send money feature andnot the goods and services. I sent the money as instructed. The sellerdelayed the shipping and finally sent " the engines ''. When I received themThey were unusable junk. I tried to contact him to arrange shipping themback and he quit responding to me. I then contacted paypal as they offerprotection for their buyers. I spoke to the dispute department and was toldthat my dispute would have been an easier dispute if I had selected goodsand services but assured me that it was still disputable. I filed a disputeon XXXX/XXXX/15 with Paypal. The case was opened and the notes show thatthey reach out to the seller. The seller never did respond. On XXXX/XXXX/15 Ireceived notification that I lost the dispute. I reopened the case on XX/XX/2015Paypal again reached out to the seller and were unable to reach him. 
They then sent me an email that I lost the dispute again. I asked them for a detailed explanation as to why I lost the case if they had been unable to reach theseller. Their response was because I selected send money instead ofgoods and services that it became an undisputable transaction. This wasnot what was told to me and if you pull the transaction details it states onthe transaction that it is disputable. In addition to that if it was a nondisputable transaction why did they open the dispute case twice? It hasbeen brought to my attention that this seller has done this before throughPaypal and the are basically using Paypal to scam people. Paypal has beenmade aware of this and has done nothing to correct the issue. In fact theseller is still allowed to use the Paypal site. I would like to get my moneyback for this obvious scam that Paypal is allowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Aldous & Associates, PLLC
State: CT

Complaint narrative:
Contacted my place of business. They called our main line so they were aware it was business number and even when told it was a business by our secretary proceeded to tell her it was a personal matter that they wanted to discuss with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: GA

Complaint narrative:
Really concerned about how Nationwide Biweekly Administration handled the notification to it 's members about the suspended Biweekly program. For those people ( to inlcude myself ) that does not check their e-mail regularly this has caused a significant financial challenge in having to make XXXX mortgage payments in one month which has put a strain on my financial situation. This is not the way I wanted to start 2016. I truly feel that Nationwide Biweekly Administration Inc. is taking advantage of individuals with their marketing skills and the cost to the consumer for the program which for me was {$3500.00} for them to do something that my mortgage company just agreed to do for nothing. Yes I feel stupid for falling into this trap and will not be so naive in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: OK

Complaint narrative:
My loan was transferred to a new servicer ( UHEAA ) and the new servicer unilaterally reduced my monthly payment without informing me so that my final pay-off date would be in XXXX ( the pay-off date under the note ), rather than ahead of schedule in XXXX. I have routinely paid more on my loans than the monthly minimum amount so that they will be paid off quicker and I will pay less interest. The result of lowering my monthly payment is that I would pay more interest over time.

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 2015-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
sending me letters saying i owe but account closed on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
I owed XXXX bank an amount of money have paid the amount off over almost XXXX years ago. Arvest bank has since purchased XXXX bank and has refused to take debt owed off my credit report even though arvest has given me letters stating the balance was paid off. I have sent numerous emails and made numerous phone calls all which have said they will take this off my credit report. They have never taken this off my credit, and are now failing to return any calls or emails.

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

Complaint narrative:
LVNV FUNDING LLC allegedly bought an account in XX/XX/XXXX from XXXX XXXX, XXXX. This account was first noticed on a credit report XXXX XXXX. I paid XXXX final bill after we moved from the service location. Once we found out about the alleged debt, I contacted XXXX. They told me that they sell their debts to LVNV FUNDING , LLC and the SHERMAN COMPANIES. XXXX said there are NO RECORDS of me owing WINDSTREAM anything. If fact, they had no records at all. I went on XXXX XXXX and tried to dispute the debt. Finally, on XXXX XXXX, XXXX, I received a letter, dated XXXX XXXX, XXXX, from RESURGENT CAPITAL SERVICES who works for LVNV FUNDING , LLC about the alleged debt with XXXX. They said that they were " reviewing the inquiry recently received. '' It also stated that if I did not dispute the debt within 30 days, they would consider it valid. My husband and I then researched LVNV FUNDING , LLC, THE SHERMAN COMPANIES, & RESURGENT CAPITAL SERVICES. We were shocked at the horror stories of people harassed, sued and had their credit and lives ruined by these companies. I spoke to Legal Aid and they help draft a Demand of Validation of Debt to send to RESURGENT CAPITAL SERVICES, which also disputes the debt. Sent Certified Mail, Return Receipt Requested, signed by XXXX XXXX on XXXX XXXX, XXXX, ( USPS Tracking said letter arrived on XXXX XXXX ), of RESURGENT CAPITAL SERVICES. They had 30 days to respond. Today, XXXX XXXX is 39 days. Today my husband called RESURGENT CAPITAL SERVICES and spoke to XXXX. XXXX said she did get the Certified letter but they had already validated the debt with me on XXXX XXXX, XXXX. This is a LIE. My husband asked that XXXX validate the debt or REMOVE ALL FALSE INFORMATION FROM HIS WIFE 'S CREDIT REPORTS FROM XXXX, XXXX, AND XXXX. XXXX refused. This is why we/I are filing this complaint. Hopefully I can attach my letters with photos of mailing receipts, etc. I am asking that RESURGENT CAPITAL SERVICES ; LVNV FUNDING , LLC. REMOVE ALL THE FALSE AND NEGATIVE INFORMATION REPORTED TO XXXX, XXXX AND XXXX ABOUT THIS ALLEDGED XXXX ACCOUNT AND BECAUSE OF RESURGENT CAPITAL 'S COMPLETE FAILURE AND DISREGARD TO " VALIDATE '' THE DEBT IN ANY WAY SHAPE OR FORM. Please restore my credit because what they are doing is wrong and false and I am suffering from XXXX, living off of XXXX from Social Security and Medicare. Thank you for any consideration. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
we foreclosed a home with XXXX XXXX XXXX in XXXX we were offered a " rem judgement of foreclosure '' and a " deed in lieu '' to settle and our lawyer accepted the deal. we were told by BAC the accounts ( XXXX & XXXX mortgages ) were closed and wrote off. we have been contacted by a company called Real Time Resolutions and they have claimed we now owe them a balance for the mortgage amounts that BAC have told us were settled and closed. Real Time Resolutions has now reported on our credit report we are past due, and owe them thousands of dollars. we have XXXX XXXX XXXX telling us the accounts are not valid for collections, we have had lawyers tell us not to worry about these claims, but I would like to have Real Time remove the claims from our credit reports. I am now dealing with a new credit repair person that has me filing this complaint against Real Time and their tactics of damaging my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: R.A.Rogers, Inc.
State: VA

Complaint narrative:
I received a letter from R. A. Rogers Inc. around XX/XX/2017 that a bill was owed in the amount of XXXX plus interest {$140.00} = {$1000.00}. There was no documentation or paperwork sent to indicate that a bill was owed to R.A. Rogers Inc until this collection notice around XX/XX/2017. The letter indicated that I had 30 days to either dispute or pay the bill. I am currently writing a letter to dispute the bill. This is the first collection notice of XXXX that was received from this company. Companies should have periodic updates to ensure accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Oracle Financial Group LLC.
State: OH

Complaint narrative:
XXXX XXXX sold my payday loan to Oracle Financial. Oracle Financial used some illegal practices, first by claiming that Money Key had sued me for fraud ( they had not ), then trying to parlay the alleged Federal fraud suit to either collect the original total debt of about {$400.00} TODAY, or I could hire a lawyer and take my chances in Federal court and being stuck with a suspended drivers license, prison, property seizure, and/or garnished wages totaling {$1200.00}. The person I talked to in calling them back was especially aggressive with all this, and I hung up on him. I then called XXXX XXXX, which finally got me to an XXXX number for Oracle ( I assume that the first guy was also Oracle -- -they are XXXX in XXXX ). The first person I got in calling their XXXX number ( XXXX XXXX XXXX ) was helpful, but then I was transferred to others, where there was an attempt to say that I was someone named XXXX ( I am not ) and that I was in Texas ( I am not ). They also got huffy when I would not give them an alternate phone number such as my work number. Overall, Oracle was being extremely aggressive and appeared to not be terribly well organized. I hope I have not been scammed, and they really will properly collect the now-arranged for payments ( to be done in mid- and late XXXX ) and then leave me alone, ideally with a mailed receipt reflecting the discharged debt. I have put my bank on alert in case Oracle tries to make a collection in the next few days, which has not been authorized.

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 2016-10-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
The collection agency are attempting to falsely collect a debt I do not owe by damaging my credit report. I requested for debt validation including all receipts and copies of any bills I am being charged but to no avail. I am also being charged for staying over my least from XXXX/XXXX/2015 to XXXX/XXXX/2015 but I have proof that my new lease at my current residence was signed on XXXX/XXXX/2015 which proves I moved week before my lease ended. This inaccurate credit reporting has caused serious damages to lifestyle.

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 2016-11-18 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: OK

Complaint narrative:
I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately. Ive asked them for documentation i.e., documents with my signature, and validation that they can collect any debt based on this no response. Ive also disputed this with the bureaus and they reported that the debt has been verified but thats not true! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: QC HOLDINGS INC
State: VA

Complaint narrative:
I have a {$700.00} loan from XXXX XXXX XXXX owned by QC Holdings. I took out the loan back in XXXX and have been paying {$220.00} a month due on the XXXX of every month. Last month they went into my bank account by electronic check. I called this month to make payment arrangements to pay full amount on XXXX/XXXX/17. I spoke with regional manager XXXX XXXX at # XXXX. I told him I was revoking authorization of the company going into my account. I was told that I could not do this as it was a requirement to get the " line of credit '' and I could not make arrangements and if I did not pay by XXXX/XXXX/17 on XXXX/XXXX/17 the company would send an electronic check to my bank. I contacted by bank who informed me that because it was not posted as ACH it may be hard for them to stop electronic check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I paid this debt to the creditor who purchased it in XXXX XXXX the judgment is marked satisfied. when I called to tell them they acted like they did n't know what I was talking about. I mailed them the paperwork stating the account has been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Collection agency is listing a XXXX payday loan for over {$3000.00} on my credit report as of XXXX. This agency has never attempted to contact me in any way. 

The last payday loan I received was in XXXX for the California state maximum of {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My family had to put my dad into XXXX. He vacated his house on XXXX XXXX, XXXX. It 's XXXX XXXX and we 're still trying to work with Financial Freedom, the provider of the reverse mortgage on the property, to sign over the house. Financial Freedom has been impossible to work with : 1 ) Even though they throw around terms like " Single Point of Contact, '' we have never had a dedicated representative to work with. 2 ) It took five months to get them to recognize that the property was vacated. 3 ) It has taken three months to get the right forms to start the Deed in Lieu process. 4 ) Every time we call to get an update, we 're told conflicting information. Meanwhile, my dad is paying for utilities and insurance for a house he has n't lived in for ten months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
a law firm filed a bogus credit card debt through lvnv funding while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I received lease renewal notice dated XXXX XXXX, 2015 which I signed indicating that i would not be renewing my lease, I returned this to the leasing office on XXXX XXXX, 2015. This was not considered to be notice that I wanted to end my lease and leave. There was a form that I did not know about that is given to indicate notice to vacate an apartment. I found out about this form, when I went to the leasing office to ask about a notice for XXXX rent. I have been sent a bill from a collections agency for the amount of $ {$3.00} XXXX. I am unable to pay this kind of money. I do owe rent for the month of XXXX which I am willing to make payment arrangement.

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 2016-05-03 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
XX/XX/2015 I open a bank account at arvest bank in XXXX, oklahoma I feel that I was over charge for overdraft fees. The bank also told what amount I had in my bank account to a pastor who claim that I belong to his church and I only visit this persons church one time. I feel that arvest bank had no right to treat me like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Continental Finance Company, LLC
State: MO

Complaint narrative:
This is a formal complaint against Continental Finance ( XXXX XXXX ). There was an unauthorized charge on my card. I promptly reported it to my credit card company and they were very sluggish in resolving the issue. They sent out the required paperwork for me to sign to dispute the charge THREE WEEKS after I made the complaint despite the fact that I only had a limited amount of time to dispute the charge. Disgusted with the poor customer service, I withheld payment until the matter was resolved which was my right. After another 30 days had elapsed before they finally resolved the issue but had managed to add late charges of {$65.00} and even after I made the payments, they continue to mount late charges each month despite the fact that I made timely payments. 
The reason that they give is that the entire required payment including the late charges was n't paid in full. I only paid the required minimum monthly payment since the late charges were not valid since I made the required minimum monthly payment in a timely manner. I have tried to resolve this issue with the credit card issuer and their customer service agents are rude, arrogant and uncooperative. 
I am going to paid this credit card in full and close this account. 
But I want this companies ' unethical and predatory behavior on the record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
we have a home equity line of credit loan with CIT bank was Indy mac the loan is a XXXX part loan first 10 years is a draw period then the next 10 years is repayment period so in are scenario we took a one time draw the bank set the minimum payment an we have made payments I looked at are loan an found out that there is no money going to the principle except what little extra more we paid so I called the bank an they said the first 10 years is interest only so I went back an reread are contract an no where does it say in the draw period or in the disclosure part that it is a 100 % interest only an know we also get a letter from cit bank that come XXXX 2017 that are payment will go up 3 times the amount so I called the bank back an the sent the complaint to a XXXX XXXX who looked in to it an after she did she sent us the same copy of the contract with a part highlighted that states during the draw period the minimum payment may not repay the principle that is outstanding on your line of credit well we new that ten years would have not payed the loan off but it does not say 100 % interest only so there should be a good pat of the loan paid to the principle an when I asked where in the contract or send me a letter stating this 100 % ten year payment i was told that quote I understand that the wording can be confusing its not they are playing with words are contract is very clear an easy to read an understand an are disclosure explains the payments an other ways to pay loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
THE DEBT THAT IS OWED IS NOT MINE. AT THE TIME OF SERVICES THEY ARE STATING I NOT ONLY HAD INSURANCE ( MEDICAID ) BUT I WAS NOT THERE I HAVE CONTACTED THE COMPANY AND THE HOSPITAL AND THEY SAID THEY WOULD LOOK INTO IT AND I ASKED FOR PROOF THAT THE SERVICES WAS MINE BY ANY PROOF A SIGNATURE OR A PHOTO ID AND THEY HAVE YET TO GIVE ME ANY PROOF

Company response to consumer: Closed with non-monetary relief