vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
A supposed law firm called my landlord claiming they 've been trying to reach me for weeks with no luck to serve me papers. My landlord notified me and gave me their number. I called them and this was my experience. I thought it was very strange that a law firm representative would be in at XXXX on a Friday XXXX. I thought I 'd get a recording. 
I heard a lot of background noise and the guy that answered said that he could n't give me specific information. He said he had called my relative, referring to my landlord, because he could n't get a hold of me. I pressed him about what he needed me for and how he tried to get a hold of me and he told me that be needed to put me on hold and transfer me to another " representative '' of the law firm. When I was transferred, the lady that answered told me I had to pay a certain amount by next Friday for a supposedly charged off credit card, otherwise thousands of dollars in fees would be added if it went to court. When I asked if she had documentation she could mail me she said she did n't have to. When I asked her if I could get reference numbers she said I could n't until I got " served ''. When I pressed her on being served she was very vague and said she guessed it had n't happened because of all the bad weather we 've been having and the bad weather headed our way. I got her name, phone number and told her I 'd call back Monday after I verified things. She then tried to scare me into paying tonight by saying I 'd be served at any time for failure to pay. Then she said if I called in Monday and paid, she could hold off on serving me. It scared me though how persistent she was and the fact that they called you all! They 've not been to my house at all. They 've sent me nothing in the mail either. 
I did n't catch the name of the supposed law firm either because he spoke so quickly and I remember it being kind of generic, like initials and then LLC.

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 2015-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: MI

Complaint narrative:
In XXXX, my vehicle, which is financed through Tidewater Motor Credit, was totaled in an accident where I was found to be 0 % at fault. The vehicle was totlated and my insurance provided a check in the amount of {$8000.00}, leaving me with abalance of almost {$4000.00}. I had multiple correspondence with various employees ofTidewater and explained that I would be pursuing legal action against the other insurancecompany ( asking for XXXX maximum for no fault ). I was told I could only do alump sum payment and could not make payments. I had regular correspondence withthem through XXXX XXXX. 
On multiple occasions in XX/XX/XXXX, I was contacted by employees ofTidewater via telephone at work, despite my telling them ( on multiple occasions ), that myemployer did not approve of such calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Good afternoon, For several years ( since XX/XX/2008 ) I have been having trouble with my student loans. During my divorce our combined student loans ( mine from XXXX, XXXX and his from XXXX, XXXX ) were " ordered '' to be paid by my ex husband and I took other debt to equal things out. Since that time the debt has remained on my credit and despite court documents saying that I am not supposed to have to pay this back, it remains in my name and on my credit report. Navient ( the loan was formerly with XXXX ) indicated that since it was a federal loan the states decision that it was not my burden any more did not affect them. Quite frankly this does not seem right. This has impacted my ability to buy a house, retain credit, and shortly will impede my ability to get financial assistance to send my children to XXXX. To make matter worse my ex husband has not made a payment on the loan since our divorce and the amount is now almost doubled. There has got to be a way to relieve me ( and my children ) from this burden. I have tried all that I can think of and now I am hoping I can get some assistance from someone in government. I have to believe I am not the only person in this country that is affected by such things and if I can help others while helping my family by bringing this to the attention of the government, that would be even better. 
Can you let me know where I would take this issue to seek assistance? 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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 Tel : XXXX ; Fax : XXXX sent me a notice that I owe Original Creditor XXXX XXXX XXXX {$660.00}. The current owner is now LVNV Funding LLC with Account XXXX XXXX. I have never done business with XXXX XXXX or LVNV Funding LLC . I wrote to them and told them the debt was not mine and asked for details or proof. They wrote back saying it was up to me to provide them with "... information detailing the nature of the inaccuracy along with any supporting documents to the following address ; Resurgent Capital Services XXXX. Attention : Correspondence Department, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX. I called them and told them verbally ( XXXX time ) the debt was not mine and told them I can not give them any details because I do n't have any details or knowledge about this debt. Subsequently, they sent me written correspondence that my dispute of this account " appears to be duplicative '' and a notice that reads, " Please be advised that we will not continue to respond to duplicative requests for additional information. Should you desire to pay on this account, please contact us... '' The debt is not mine and I thought debt collection companies must provide proof of debt not just say they have verified it and not give you any information or detail? I wrote to them again asking for details and proof so I could present to my attorney to deal with them, but they say it is not up to them to provide details. They say it is up to me!? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XXXX, my boyfriend at the time and his business partner, forgery XXXX checks from my personal checking account XXXX for {$100000.00} and another XXXX for {$10000.00}. I Submit my claim to the bank and to the Police Department, I got copy of the transactions, checks withdrawn from my checking account and deposited into another bank one account, proof of claim notarized by the bank and police report, and wait for 18 years, until a couple days ago finally the Executive Office from Chase call me and stated that they can not pay me my claim because of the time. my claim with Chase Bank is XXXX XXXX XXXX XXXX The lady that contact me from Chase Executive Office, to give me the news, really do n't know what to say, she shay to me that the investigation for my case was done and they found no claim on my case because is no documents to proof the claim, then I ask her what type of investigation they did if they do n't have any documents, she put me on hold and later she say that they do n't have any documentation on my claim. I send copies of my claim maybe 15 or more times throughout these years but they always will say that they misplaced and ask me to send it again and again. she finally say, XXXX yes we have some paper but does n't have anything that proof the claim. I 'm really frustrated please help. If I need to press charges against these people I will do it, but please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This complaint concerns the ability of consumers to reach, communicate and deal with, the department in the Bank that handles IRA accounts. My daughter had an IRA account at OneWest Bank in XXXX XXXX, California. She passed away, and I am her heir, and the court-appointed " personal representative '' of her estate with Letters of Appointment from the Court. My regular banker who handles deposit accounts at OneWest tried to get the IRA section 's attention to deal with my daughter 's XXXX. They essentially blew him off, never sent me any email or called me. I tried to call the XXXX section of the bank and was told I could not speak with anyone if I did not have my daughter 's XXXX account number. Apparently, the XXXX section is completely insulated from customers and will not talk to customers or court-appointed administrators. If that section of the bank is unresponsive to the retail section of the bank and will not speak with me, how do I make a claim or get the money from my daughter 's XXXX account? Beyond that, there seems to be a marketing violation of the California unfair competition laws in that the separation of the XXXX section from the rest of the bank and that section 's refusal to deal with the public is not clearly or adequately disclosed. They want to market and sell XXXX but not service them. That is XXXX service and not disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Continental Finance Company, LLC
State: IA

Complaint narrative:
Continental Finance is charging me a {$5.00} fee per month on a closed account, i.e. of the {$35.00} I pay per month, {$5.00} is some kind of account maintenance fee, unrelated to interest charges. I do n't know if this is legal. I live in Iowa. 
Payments are always made on time. 
A statement is attached, showing the charge. They only have the past XXXX statements available online ; I estimate that there are XXXX or XXXX such payments

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Law Offices of Robert J. Colclough, III
State: NC

Complaint narrative:
I do n't think I chose the correct issue above, however I think it is closest to my issue. I have a record on my credit report that I have disputed through both the company and the credit bureaus. The dispute is marked as being disputed by me on my report, but it was not removed despite the creditor not sending me verification of this debt. I do not even know what this debt is for. I have tried contacting the collection agency by mail to obtain verification with no response and they will not remove the item from my report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Atlanticus Services Corporation
State: LA

Complaint narrative:
I was shopping for an elliptical and a co-worker told me about the offer on XXXX. XXXX was offering 12 months defer interest with payments as low as {$32.00} financing through FORTIVA RETAIL CREDIT LINE. I noticed that XXXX was also offering 12 months defer interest with financing through FORTIVA RETAIL CREDIT LINE. 
I decided to make my purchase through XXXX and applied for the financing. I was approved for a {$3000.00} credit line. I made my purchase on XX/XX/2017. My co-worker made her purchase for a treadmill a week before XXXX, XX/XX/XXXX. On XX/XX/2017 my co-worker noticed she was being charged interest and called Fortiva. They stated she was late making a payment and therefor forfeited the deferred interest option. She stated she never received a bill and just received her treadmill a couple of weeks ago. She hung up and called Fortiva back in hopes to speak with another customer service rep. The second rep told her they do not offer defer interest on credit cards. She went back and forth for some time to no avail. 
I was a little concerned, I was next to her while she made the phone calls, so I went to the FORTIVA website and created my profile and reviewed my account. Even though it was 15 days from the date of purchase, I was due a payment of {$60.00}. On XX/XX/2017 I made the first payment. A week later I received the actual statement. My payment due was {$60.00} and not the {$32.00} as stated on XXXX when I applied. I also noticed that I was being charged interest of 29.99 %. 
I contacted Fortiva Retail Credit and was told by their customer service rep that Fortiva Retail Credit line does not offer any defer interest deals and I applied for a credit card. I explained to the customer service rep that I applied online through the XXXX website and was approved for 12 months defer interest financing for exercise equipment not a credit card. The rep had no idea what I was talking about and stated that he would have someone in management research my account and call me back. No one has contacted me. After a few weeks I went to the FORTIVA RETAIL CREDIT LINE website and clicked on " contact us ''. The only option is to email them through the website itself. I emailed FORTIVA and still have n't received a call back or an email. The issue is still unresolved. Recently I went back on the XXXX website and the XXXX website, both of these website still as of today, Wednesday, XX/XX/2017, offer the same financing deal through FORTIVA RETAIL CREDIT LINE. The very same 12 months defer interest option that FROTIVA claims that they do not offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-08-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
LVNV Funding LLC alleged that I have a debt that is 9 years old ( last payment date was XXXX/XXXX/2006 - enclosed LVNV1.pdf ). I repeatedly told them not to contact me for that alleged debt. I have filed XXXX separate complaints with the Bureau of Consumer Financial Protection ( BCFP ) last year. LVNV promised not to contact me. Nonetheless, they established another company named " Resurgent Capital Service LLC '' and continue harass me with unwanted mails sent to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC
State: AL

Complaint narrative:
I was contacted by phone by XXXX. I returned their phone call and was transferred to XXXX. When I asked what the call was in reference to he explained a debt with Continental Finance for a credit debt of {$730.00}. He claims a letter was sent to me and a response had not been received. I explained I did not receive a letter. He stated no return mail was received by them. I asked if he could send me something in writing and he declined to do so and said they were just giving me a courtesy call and were not obligated to. I asked again if they could send me something because I didnt receive the initial information. He asked about my email and I told him I had n't received anything at the email in a long time. He said that payment was required now and they were n't going to wait any longer because it 's been 8 months. He then hung up on me.

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 2015-07-17 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: CA

Complaint narrative:
never had this credit card. never paid on never used it. have been requesting info on this supposed debt but one bill collection company just passes it off to their affiliated bill collection companies. It goes on and on and on. If I forget to respond to one of these places I might be sued for something that is not my responsibility. who protect the little guy. you?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Summit Financial Corp.
State: FL

Complaint narrative:
I took out a loan with summit financial for a vehicle about 1 year ago. I never get a bill from them and have occasionally been less than 30 days late with my payment. I have always paid less than 30 days late. In XXXX I continued to run a little bit behind so I took an option for a XXXX time deferrment for a fee to get back on track as I was getting closer to 30 days late. I made my XXXX payment on time and when I was going to make my payment in XXXX on the XXXX two weeks late, I instead received a knock on my door to serve me a notice of which I thought it was repossession. Upon calling and speaking to a XXXX XXXX who was highly abusive to me, I asked to speak to a supervisor and was passed to a XXXX XXXX who then proceeded to be even more abusive saying I was a collection manager and should be ashamed that my bill was 17 days late. In the past I have made several complaints about a collection agent XXXX XXXX who has made repeated calls to my job despite requests not to call me at work. In fact she made no less than XXXX calls in a 1 hour period to my job back in XXXX. I was assured she would not be rep back in XXXX and I thought all was well. However, she emailed me and apparently dispatched a door knocker, who I mistakenly took for a repo agent. XXXX, XXXX XXXX, and XXXX XXXX have little to no regard for the Fair Debt Collection act and have been at best abusive. I have spoken to excellent professionals at this company before but these XXXX individuals are out of control and I would like it to stop. I have been assured by XXXX XXXX who is the VP of collections that my issues will be addressed. He was reasonable and stated his company 's position about the collection activity which while I disagree with using door knockers now understand is an action they chose to take. What I do n't understand and based on the fact that I have made several verbal complaints about these collection practices in the past is that the abuses continued as long as they have. I am hopeful XXXX XXXX is addressing this but I felt the level of abuse to protect other consumers needed to be reported. I have had some pleasant interactions with this company including XXXX XXXX himself, they do have professional competent bill collectors working for them but these few individuals are so far out of control I could not keep silent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Student Services
State: RI

Complaint narrative:
A third party debt relief service -Student Loan Aid- has been accessing my account and withdrawing funds but not applying these funds directly to my student loans. They also put my loan in general forbearance without my permission. I recently learned that this business was noted " not accredited '' by the BBB. This is clearly a for-profit company charging " fees '' and keeping your money - IT IS A SCAM! 
For me, this was originated on XXXX/XXXX/15 and my payments have not been accurately applied to my student loans since that time. I was not allowed access to my own accounts online because they changed the email address connected with the account - one that I did not have access to and could not use to recover access to my account. 

Please see attached bank statement as an example of this type of withdrawal in the amount of {$340.00}, which has been occurring on the XXXX of each month.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Filaport Acquisitions
State: FL

Complaint narrative:
The so called Yorkshire Acquisition group have contact people unrelated to me to discuss a past debt without consent. They have also contacted my employer with unethical tactics and threats of subpoena my case. They threatened my employer, an school principal of serve me during my working hours at school. This company have never sent me a proper documentation to collect this so called debt. Not even after I kindly requested them for an unofficial document explaining the case. All the sent me was a email, and they kept on calling my family and relatives with threats. They wanted me to pay over the phone ; which I refused to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
i have multiple fraud accounts on here I would like to see proof of every single piece of information that can prove that they have the correct person. I will file a police report if no actions have been taken. Every single creditor and business bureau that has collections out on me. I want to see the proof And there are lots off closed accounts that have been paid and never got taken off of here as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: CT

Complaint narrative:
I just called in to schedule a payment with my mortgage company and they are refusing to take the payment unless I can bring my account fully current all at once. We are 4 months behind and also owe this month ( 5 months worth ). We only fell behind because we were in the process of working with our mortgage company to get our loan modified. This process took over a year and, in the long run, they cancelled our modification without our permission because we fell outside of their timeline due to the fact that we were waiting for them to respond to something we requested in writing. I have made several complaints about this mortgage company and so far nothing has been done in our favor. The only reason we even have a mortgage with this company is because our mortgage keeps getting moved by the government due to fraudulent lending practices. Each time we are moved to an increasingly fraudulent lender and our account suffers as a result of this. It has been an ongoing battle with mortgage companies since at least 2007.

Company response to consumer: Closed with explanation