vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
On XXXX/XXXX/XXXX I contacted XXXX XXXX who is a loan officer for Arvest Bank ; who is also my current mortgage lender, regarding a FHA Streamline refinanace at a current rate of 3.50 %. My current interest rate with Arvest Bank is 5 %, and the mortgage term is 30yr. I initially asked for a 15yr term with a fixed rate, but he advised that my payment would raise {$50.00} dollars higher than my current mortgage payment and that I would not be permitted to do a FHA streamline refinance unless the payment is lower than my current payment. He then advised me to do a 30yr term, but I requested that it be a 20yr term, because I want to pay off my mortgage sooner. I was informed that a FHA streamline refinance does not require income or credit qualifying, as long as you have been current on your mortgage for the past 12 months, but XXXX pulled my credit without my authorization. He then told me, that he wanted to due my loan at a 30yr term and not a 20yr term, because he would not be able to sell it to an investor at a 20yr term. I tried to work with XXXX, but he was not very customer friendly, and continued to presser me to do a 30yr term loan. I called at another Arvest location and spoke with XXXX XXXX on XXXX/XXXX/XXXX, and filled out application, and she informed me that there was a state and federal tax lein on my property, and that it would need to be paid before I could refinance my mortgage. I contacted IRS and the state of Arkansas and was informed that I did not have any tax liens on my home. XXXX sent a XXXX No.XXXX Authorization form to prove that I owe no federal taxes. I filled form out XXXX/XXXX/XXXX returned to Arvest, but XXXX XXXX Closing agent with XXXX XXXX XXXX stare the IRS refuses to speak with her. this was either something to prevent or stop me from refinancing with streamline. I was told that my paperwork was going to underwriting XXXX XXXX, and I would close in a week. On XXXX/XXXX/XXXX I was contacted by XXXX XXXX who informed me that this was not going to happen and that XXXX XXXX no longer works for Arvest Bank and she would be handling my refinance and we can not prove that the XXXX Federal tax lien has been paid and XXXX XXXX XXXX ca n't verify that this has been released, yet I have paper work from the state which says this was released XXXX/XXXX/XXXX from the court house but XXXX and XXXX said it has to come from the IRS. XXXX/XXXX/XXXX XXXX said we would set date to close. XXXX/XXXX/XXXX XXXX said it had to go back to underwriting. It is now XXXX/XXXX/XXXX and I have left several phone and email messages, but no one has returned my calls. 
Yours truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Balance with debt collector is far more than I owe for the debt. 
When I began making repayments through XXXX of XXXX ( payment history is attached, as well as the original credit card statement. ) the balance on the credit card statement was XXXX. I was approximately XXXX over my credit limit. A total of XXXX was paid directly to XXXX XXXX bank from XX/XX/XXXX XX/XX/XXXX. I then received a notification that my account was sold to a collection agency. **The first notice from the collection agency was received XX/XX/XXXX. The payments that were being made to XXXX XXXX through my credit counseling agency were cashed all the way up to XX/XX/XXXX. The collection agency, Resurgent Capital Resources in XXXX, North Carolina is state that they were given the account on XXXX XXXX, XXXX. Resurgent Capital is stating the balance is XXXX because of of XXXX of fees and interest accruing on the account. I ca n't possibly owe XXXX on this account. My payments were transferred from XXXX XXXX to Resurgent Capital this month. However, I can not get resurgent Capital to respond to my dispute letter ( also attached ). I am asking for your help in this matter. I feel like I am being charged and having to pay this debt over and over again. My balance should be no more than XXXX. Even if a collection fee was added there is no possible way I can owe XXXX or any other amount over XXXX. I have requested billing statements and proof of all payment postings on this account. Yet, I have not received them. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 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: Real Time Group, Inc.
State: CA

Complaint narrative:
I seatle this debt and made all require payments. I received a notice of satisfaction from the lender/ agency and the removed themself from my credit report. Then this new collection agency REAL TIME RESOLUTION IS SENDING ME BILLS on the balance that was seatled. The ruin my credit score and wo n't stop sending me bills. I already faxed them copies of the seatlement agreement, proof of payment, letter from original lender showing XXXX things, first a matching account number so they know that we are talking about the same account and that it was paid, fully satisfied and closed, but this agency refuses to stop their attempt to collect something from me and to remove their name from my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Real Time Group, Inc.
State: NY

Complaint narrative:
Real Time Resolutions refuses to stop reporting to the Credit Agencies that it is a closed collection account. Every month they report a late payment on an open account, I have tried numerous times to stop this and they refuse. XXXX has even called them with me on the phone to confirm that it is a closed collection account and they then admit that it is a closed collection account. However Real time tells XXXX to send in writing to confirm its a closed account before they will stop. This happens every month. What can I do to stop this false reporting by Real Time Resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 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: CA

Complaint narrative:
I am being collected upon for charges that have already been paid, as well as for charges that are not my responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I KNOW THAT THESE PEOPLE HAVE THEWRONG PERSON BECAUSE THIS IS NOT MY DEBT AND SO THEY SHOULD NOT BE CALLING BE BECAUSE I HAVE SENT LETTERS STATING THAT THEY NEED TO STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc.
State: MI

Complaint narrative:
In a letter written on XXXX XXXX, 2012, I requested that Real Time Resolutions, Inc. inform me of the name, address and phone number of the owner of my loan as they are legally obligated to do. I also demanded to to see the original mortgage note proving ownership over my home equity loan additionally, I asked for Real Time to provide me with evidence of your firm being contractually retained to service my loan. I made several attempts to obtain the information that I requested and Real Time refused to respond to my requests in an affirmative manner within 10 days as required by Section 1463 ( a ) of the Dodd-Frank Financial Reform Act. 

Furthermore, in violation of RESPA, Real Time has continued to report negative credit information to the credit bureaus during this period of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt. I filed a complaint with the XXXX and finally received copies of statements from LVNV after 4 years of requesting proof of debt. But the Provided credit card statements from Account Number demonstrates that the balance is {$830.00}, I requested LNVN to provide details on how the alleged amount of {$1000.00} was calculated, LVNV has been reporting this balance against this account to all XXXX credit reporting agencies on my credit report As per XXXX v. XXXX XXXX, XXXX, 2010 U.S. Dist. XXXX XXXX ( XXXX XXXX, 2010 ), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the Fair Debt Collection Practices Act. The FDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debt. See 15 U.S.C. 1692e I have not received any such agreement from the original creditor, As per law the LVNV is not authorized to collect interest unless it is authorized, I request LVNV to provide a contract from original creditor stating that LVNV is authorized to collect interest on this account. As per evidence presented above LVNV has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 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: Oracle Financial Group LLC.
State: NM

Complaint narrative:
On XXXX XXXX, 2015 I was contacted by XXXX XXXX with Oracle Financial Group. He left a voicemail message on my cell phone with his contact information and a reference number, XXXX at XXXX XXXX.. I returned the call at XXXX XXXX. He stated that they were an arbitrary company for XXXX XXXX XXXX in regards to a debt I owe from XXXX XXXX. I asked him to send me a debt validation notice. He stated that XXXX XXXX XXXX does not communicate through mail so I would not get a validation notice from them. I told him that I would not proceed in further conversation unless I received a notice. He stated that it might take him a while but he would send verification of debt. I still have not received any proper notice of debt. Today, XXXX XXXX, 2015 I received an automated message. They identified themselves as OFG ( Oracle Financial Group ) LLC and the same reference as before, XXXX. They are in direct violation of the Fair Debt Collection Practice Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
Good day, I pay XXXX for several products through XXXX pay and it is through my credit card and the bank 's auto-payment system. 
So, the transaction in question is for XXXX XXXX payment made by the First National Bank XXXX XXXX XXXX ; it was made by the banks records on the XXXX amount XXXX this was for the XXXX. So, then XXXX and I found out i was charge two time for the same software and they reimbursed me that was posted into my account on XXXX XXXX, 2016 Now then when XXXX went to bill me for the XXXX music bill that was due they were turned down. this is what is at issue. I had the funds in the bank and yet First National Bank still does not understand what it is that happened. I do have a paper trail and screen shots and emails to this effect. i would like some one form the banking comis to look at the banking practices of this bank as there is something really wrong here if the bank ca n't understand something as easy as this trans- action and did not pay a direct payment yet, took the funds from my account as it is posted on my on-line banking statement.

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 2015-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
For XXXX months I have been trying to access my OneWest on-line account to make a payment. I was locked out of the account and OneWest will not assist with helping to re-set the passwords! I 've called, and made requests in writing, to no avail. I 'm now sending payments based on my recollection of what past payments have been, and am unable to view the account to see if those payments are over or under the amount due. My last payment of {$800.00} was sent on XXXX XXXX, which should have been more than enough to cover what was due. On XXXX XXXX I see a XXXX days past due ' come up on my credit report!! Unacceptable and to my detriment because of their poor customer service. What is my recourse and how do I get this OFF my credit report??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a Regions Bank " XXXX XXXX '' Checking account in XXXX 2015. Part of the terms of that account was that they would reimburse XXXX out-of-network ( non-Regions ) ATM withdrawal fees per statement cycle. The have failed to reimburse me for XXXX transactions that I know of over the course of the last 6 months, and have tried to say that fees charged by the ATM are not the fees that reimbursement program is intended to refund, but rather, another Regions imposed fee that they reimburse for.

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 monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions Bank turned down my XXXX XXXX XXXX XXXX mother 's equity line request for {$40000.00} to help take care of long-term care expenses. They claimed she did n't have enough credit history. This is absurd considering she bought her home in XXXX and made payments on it every month until is was paid off in XXXX. Since then, she has had multiple credit cards and lines of credit that have all been paid in full. What 's more she has bought multiple cars using credit over the years. In addition, she has a current XXXX XXXX XXXX credit card with a {$6800.00} balance that she pays monthly. As an aside, the XXXX credit card is the only debt she has. As for other information, her FICO score is XXXX ( according to Regions Bank ) her current front-end debt to income ratio is 12.7 % while the back-end ratio is about 24 %. Home is valued at about {$50000.00} according to various on-line Web sites and it paid for in full. Total income is XXXX monthly after taxes.

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 2016-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: CA

Complaint narrative:
Hi I was member of nationwide biweekly program and they stop making payments of my loan without communicating to me in writing or making a phone call to my cell. I was a member of this program since XX/XX/XXXX to XX/XX/XXXX I had read that there is a suit to this company, I would like to know how to get more info since the nationwide has not telling much about the problem Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 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: AFNI INC.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC
State: PR

Complaint narrative:
I tried to open an account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX both were declined due to a debt with another bank. Early Warning Service LLC is positing incorrect information in a consumer reporting agency. Avoiding me to open an account and job opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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: EOS Holdings, Inc.
State: LA

Complaint narrative:
EOS CCA is attempting to collect a debt that they purchased from XXXX XXXX XXXX in 2012. I 've disputed this bill twice through XXXX. I assert this is not my bill. They also do not recognize this as a violation of the state of Louisiana statute of limitations on phone service collection of 3 years. They assert that this falls under the 10 year contract statute. I 've contacted XXXX and they do not have a contract with my signature. I would like EOS CCA to cease and desist and remove this collection attempt from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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: AFNI INC.
State: CA

Complaint narrative:
There is an open collection account on my credit report from AFNI on behalf of XXXX. This debt was discharged in my bankruptcy. The note in the collection account listing even reflects chapter XXXX bankruptcy but the collection account is still showing open when it should have been removed 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 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: AFNI INC.
State: GA

Complaint narrative:
Received Collection letter on XXXX saying I owe XXXX XXXX. it had the incorrect account number and I checked with XXXX they do not even have that account number. Stated I owed {$240.00} this is not my debt and should be removed from the credit bureau and any other databases they may have added it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
I brought a car from XXXX cars. It turn out to be a lemon. XXXX went out twice. The first time they came they fixed it. Not even a week later something went wrong with it again and they refused to pay. I told them to come get the car on XX/XX/2014. Instead of them putting as a repo on my credit they have it still as a open loan/late payments. They know what they doing. The are rude and they keep pointing me to talk with the credit bureau. " We have nothing to do with how it 's reporting '' they say. I been going through hoops to get this as a voluntary surrender. They did n't even send me a letter saying they sold the car again. On my credit report they are reporting a amount that is not the owe limit. they are a fraud and i 'm tired of this. XXXX XXXX auto acceptance/ XXXX Cars

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Medical Financial Services, Inc.
State: MI

Complaint narrative:
I have a small medical bill ... .I sent a partial payment to medical financial solutions after receiving DAILY calls from them ... on the bill and on the check I requested they stop calling me ... .it has n't stopped even though they cashed the check ... ..I want the call to end

Company response to consumer: Closed with explanation