vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I requested a balance transfer from my XXXX account to my XXXX account. After some time I was concerned because I never saw the payment to XXXX XXXX posted even though the money was deducted ftom my XXXX account. At XXXX on XXXX XXXX, 2015 I called and spoke to a representative and I shared my concern that my balance transfer was not showing up. He informed me that XXXX XXXX Bank did not accept balance transfers. I was floored because there is nothing in the cardholder agrement that states this fact. I relayed this information to XXXX and they told me that if the payment was returned to them, they will credit my account. 
I could not believe it when on the XXXX of XXXX I logged in to my XXXX card account and I saw that they had attempted to process the balance transfer. I called them to see what was going on and I was informed that my account was suspended. Now this is amazing to me because I have never missed a payment. The balance transfer was meant as an extra payment on my account. On XXXX XXXX I spoke with XXXX and he informed me that they would pull the phone call to verify what I was told by the representative on XXXX XXXX regarding balance transfers. He said that if I had been advised with incorrect information, they would resolve the issue and I could resume making my payments online. I was waiting to hear about the outcome of the investigation, but I received a letter in the mail today ( XX/XX/2015 ) stating that I need to destroy my card and that I had violated my card holder agreement. 
This is unacceptable behavior from this company. They have incompetent Customer Service Reps and they punish the customer for it. I do n't want any damage to my credit from this company. I have documentation from XXXX saying the balance transfer was returned from XXXX XXXX Bank. ( XXXX Card ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I had a credit card issued to me by Continental Finance, I 've had it for about a year. I fell behind on payments after being laid off. I was finally able to make a payment of XXXX in XXXX of this year. A month later I started receiving phone calls from a debt collection agency informing me that they were contacting me on Continental 's behalf to collect payment on the account. I informed them that I had just recently made the XXXX payment but they advised me that they had no record of that and had just received my file a couple of days before they called me. I called Continental and advised them of the situation, that was when they told me that my account had been charged off and sent to a collection agency days before I made my payment of XXXX. I am reporting them because not once did they inform me that my card had been charged off and was closed. Infact I called a day before I received the call from the collection agency to report that I needed to get a new copy of my card. My online account information shows my payment and my balance and how much credit I have available to me. No where on the page does it show that the account was closed and my card no longer valid. I am in the process now of trying to get proof of payment and that has been a hassle because I 've had XXXX different people give me different steps on how to obtain that information. In the end I am left to fax a letter to a number with no person listed and I am hoping that someone will get it and send me back proof. I have not received anything as of yet.

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 2015-05-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I had a XXXX credit card with continental finance I never missed a payment then all of the sudden the company said my online account as no longer valid because they changed to a XXXX company. I never received my new card and I continued to call the old company and I got no help. I made a payment on my old account for the balance but the representative afterwards could n't find it when I got a call from a credit agency after my card had gone into collections. I never received my new card and I keep getting calls from creditors about this account that has no way of paying it. I feel like I had been scammed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Concord Resolution Inc (Closed)
State: CA

Complaint narrative:
A company called Concord Resolution ( XXXX ) keeps calling me to collect on a payday loan from 2011 that was paid in full. They are very rude and disrespectful, and have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
This is in reference to a delinquent credit card account, Verve Card. The debt collector, XXXX XXXX ( the name they gave me ) have called me numerous times threatening me that they will suspend my drivers licenses and vehicle registration, they will put a lien on my property, will take me to court and threatened to have me arrested for fraud ( which it is not fraud ). They call from several different numbers and even call from local numbers. In every call they repeat the same threats. I told them to email the information to review it and not once have I received the email. Nor did I receive any documents in reference to the account. I have taken the steps and contacted Florida Dept of Motor Vehicles and they confirmed that debt collectors could not suspend licenses/registrations. I am fed up with being harassed by this company and their employees.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I signed a Quit Claim Deed relinquishing all interest in real property located in XXXX, Washington in XXXX XXXX. My then husband, XXXX XXXX XXXX, DOB XXXX/XXXX/XXXX, subsequently filed for individual bankruptcy later the same year. Due to refinancing the subject property during the ex 's bankruptcy proceedings, XXXX different finance companies related to the refinancing put the ex 's bad debts on my credit report because they knew they could not touch him. This is fraud and grounds for a lawsuit. I sent letters to XXXX, XXXX and XXXX demanding they remove these fraudulent debts from my credit record and received a response from LVNV Funding , LLC, one of the refinance companies involved with the ex 's property. They sent me a " verification '' form which they think I will take as a valid, legal debt on my credit record. However, I have been a paralegal for going on 24 years now and I do not fall for things like that. I am drafting a Complaint against LVNV Funding , LLC, all of their affiliates and XXXX XXXX ( the original account holder ) which I will file in 30 days if the fraudulent debts on my credit record are not removed by then.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA

Complaint narrative:
Adjust penalties. FNB bought XXXX XXXX in PA and with it my account. 
Balance of XXXX cents. 
Service fee of {$5.00} because my account required XXXX of quote : To avoid a service charge in this account you would need to meet XXXX of XXXX requirements. They are a minimum balance of {$500.00}, a recurring direct deposit, or XXXX debit card transactions per month. When the account is overdrawn for 3 consecutive days there is a {$12.00} continuous overdraft fee. unquote. 

My account at XXXX did n't have these restrictions. The fee put my balance in the red at {$4.00}. There was no notification that a transaction initiated by them would cause overdraw. Two days later I noticed the situation from logging in online and had absorbeda {$12.00} penalty and immediately arranged a {$20.00} deposit but it was too late to avoid the next {$12.00} penalty. Apparently a penalty of {$12.00} is charged every 3 days. I have attached a download .csv of the transactions. 

Sir/Madam, this is like the 3 second rule and like chasing a moving target. Should n't they be obliged to notify me if a transaction that they a generating will create a negative balance and hence give me time to cover the {$5.00}. Once again the big banks are beating the little guy to a pulp. It 's just plain greed!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
XXXX XXXX calls me daily to seek a debt I owed to a bank in the amount of {$120.00} They call from a different number every few days, sometimes multiple times in a day. The person on the phone is always rude, last time I spoke to them was a few weeks ago ( now I just hang up ), on that occasion they threatened " further action '' if I did not pay the measly {$120.00}. 

They tried to get my bank account information, and promised that they would not extract the funds until XXXX XXXX, I did not give them my account info, as I had bills to pay and other debts to pay. 

They have threatened to take legal action, they have called me late at night, they have been rude and demanding, and they call me many times in a week. I am sick of them. I plan to pay when I can afford to, but I have many debts and many bills, and I am the sole worker in my family and my wife is pregnant. I ca n't even afford insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have received a loan from a XXXX XXXX in 2014 in the amount of {$23000.00}. I was only able to pay off one instalment of {$830.00}. The debt was sold to the collection agency showing the amount of {$25000.00}. This is in excess of {$2800.00} that I never borrowed. I received a letter from Resurgent Capital Service a few months ago. I responded that the amount they show I owe is incorrect. I sent them supporting documents. Today I received a second letter from them. Their letter states that I did not provide enough documentation to prove the right amount I owe. I will send them again my bank statements, but I would like to file a complaint about reporting my debt to the collection agency and showing on my credit report with an incorrectly high amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 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: SC

Complaint narrative:
I had my federal student loans at multiple places, XXXX and XXXX, and applied to have it consolidated, to XXXX. During the consolidate however XXXX decided that they to sell my loan, to XXXX. XXXX never bothered to verify that information was still accurate after they completed their process before they sent the money. XXXX is now charging me for the new consolidated loan even thought the original loan still exists. XXXX has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have received it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing 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 2015-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was in the XXXX in the month of XXXX XXXX first time since XXXX while in the XXXX XXXX, my mortgage was scheduled to come out of my bank account electronically, XXXX store did an EFT from a check i wrote AND deposited the check, and XXXX send my mortgage payment back to CHase FOR NSF. As soon as I found out I called Chase in the SAME month XXXX XXXX and explained I had documentation from XXXX and XXXX XXXX XXXX. The rep from Chase told me to just make XXXX payments in XXXX! I called on XXXX XXXX to make XXXX payments and CHase withdrew the funds AGAIN on the XXXX without any explanation, then reported my mortgage over 30 days late for XXXX! I monitor my XXXX score and it dropped it over XXXX points when I had NEVER been late on a payment of any kind in my life! I was going to sell my home in XXXX and closed on XXXX prior to selling I was told by Chase also that XXXX had to rent for at least a year before ANY lender would back me because of the 30 day late/CHase and faulty info given to me. CHeck my credit I have never been late on ANY payments EVER, had been a suscriber to XXXX for years, and had worked hard to maintain my above average credit. ( XXXX prior to my home purchase for my ill parents ) Thanks to CHase bank, I was naive, believed them and ended up renting from a SLUMLORD! I WANT MY GOOD CREDIT BACK! I have always been single and always financially independent and just XXXX person with ill advise from Chase literally ruined my life, at least the remainder of it. In addition, XXXX XXXX XXXX covered the additional mortgage payment Chase took out the next month in error, with my credit card..then proceeded to do a review of my credit, dropped my credit limit by {$5000.00} and which then reduced my score even more, ( made it look like i was OVER my credit limit! Trying to feel blessed ... and know I am .Happy holidays, moving AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD

Complaint narrative:
I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
We represent an estate of a deceased who had a reverse mortgage. XXXX things, the daughter submitted a request for {$14000.00} from the remaining line of credit three days before the mortgagee died. The money was needed for XXXX bills, etc. Payment was denied. Also, we notified Financial Freedom we wanted to sell the property. They send us a notice of foreclosure. They have ignored both inquiries. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
This debt was from my identity being stolen I didnt open any account that resulted in this collection i have completed a police report which can be verified with the XXXX police @ XXXX report # XXXX and i have a notarized identity theft affidavit from ftc please remove this off of my credit and close my file ASAP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Actually this is more info on Case number : XXXX. I do not see a way to give more information. I received a document in the mail. When I spoke with XXXX several weeks ago, he mentioned the net Principle Limit could be accessed and used. After doing my own research previously and making previous calls to Financial Freedom/One West, I doubted this was true, so I decided to test it. I tried to withdraw {$1000.00}. If he was correct, I would just withdraw the money I did n't know was mine for the asking, and pay the commission and closing fees. But, I was correct and XXXX was not. In the mail I received documents requiring my signature to adjust my mortgage so I could get my {$1000.00} check and then only receive approx {$300.00} per month, which would then not cover my living expenses on the home should it a ) not sell or b ) HUD does not approve the short sale. So, I did not sign the papers and again, I am right back where I started. I do n't have money for the commission and legal fees to sell the home and FF/One West is still pushing foreclosure and deed-in-lieu since they will not help with the closing costs. Again, this would have only cost them $ 5K last year if I sold to the first buyer ( RE commission and legal fees ), and now they have paid me {$7500.00}, which means they could have saved {$2500.00}. How could the US bail out banks when this is what they do to elderly homeowners?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX we purchased our home at XXXX XXXX XXXX, XXXX, Pa XXXX through XXXX XXXX. Our loan and mortgage payment of {$1500.00} was based on our salaries and income. We were in our new home for a year when Central Mortgage company who we are with sent us a check for {$280000.00} and a note stating that our current amount was wrong and that our taxes have been reacessed and the new amount will be {$1200.00} I called them XXXX different times to make sure it was correct. So now for the next XXXX months we have been paying the new amount of {$1200.00}. I just received an escrow letter stating we are in the rears and that our escrow account is short {$5500.00} and needs to be payed before XX/XX/XXXX. What happened so we called the tax department in XXXX XXXX and spoke with XXXX XXXX and asked '' surely our taxes have n't XXXX, she stated that they went up but only {$75.00}. Central Mortgage Company is supposed to pay Insurance and taxes so now my mortgage has gone from XXXX to XXXX over XXXX more a month which we were never approved for in the first place and we ca not afford even now. How can they burden us like this? Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Eagle Home Mortgage, LLC
State: NJ

Complaint narrative:
On XXXX XXXX, 2015 I closed on a mortgage loan from the Universal American Mortgage Co to purchase a new home. I advised the mortgage company representative that I would likely payoff the mortgage in the near future and inquired if there were any prepayment penalties or expenses. I was assured there were not any of these. When I closed on the sale of my former home on XXXX XXXX, 2015 I called the company and asked for payoff information to payoff the mortgage on XX/XX/2015.. I did not receive the requested information and after several calls submitted an email. I finally received a call advising of the following : 1. My loan had been sold to a loan servicing company to be effective XXXX XXXX, 2015. 2. I could not payoff the loan until I had submitted the XX/XX/XXXX payment to the original company. 3. On XXXX XXXX, 2015 I would then need to call the new company - The XXXX XXXX XXXX to arrange for payoff. 
This decision or possibility was never disclosed during the loan process and will require me to pay over an extra month of interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation