vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
Recently I have been given a judgement summons to have my paychecks garnished by unknown collection agency called LVNV Funding LLC . Represented by XXXX XXXX XXXX XXXX lawfirm. This lawfirm does n't even have an address besides a XXXX XXXX . When calling it goes straight to voicemail. They seem a bit shady should n't a lawfirm have an address to consult with?? My employer called me on XXXX XXXX, 2016 at around XXXX notifying me of this judgement summons. I was unaware of this suit and have never received any summons to appear in any court. I have XXXX kids, my girlfriend, and her father living with me. I can not afford to have my check garnished in any way. I have also recently checked my credit report with ( XXXX ) and ( XXXX ) along with my XXXX score XXXX of XXXX reports were over ( XXXX ) and nothing about owing anything to LVNV Funding LLC . I will be unable to take care of my family if this action is taken against me. I have also consulted legal consul as well. My employer has helped me draw up a letter to submit to the lawfirm in question, my legal council told me it would be fine. I will also will be sending it to you the CFPB / Federal Trade Comission

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I was issued a credit due to me by XXXX the refund was sent to a closed XXXX cc account. Instead of returning the funds to the issuing company so that they could send me a check, XXXX XXXX sent the funds to a collection agency that they had sold the discharged debt to, PYOD. The debt sold to PYOD was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called P.Y.O.D has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
XXXX sold the debt to POYD, who is managed by Resurgent Services and that they are all under the umbrella of Sherman Financial. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including XXXX and all of other company 's names included as I am not sure which ones are considered collection agencies! XXXX sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the XXXX account numbers and balances that they collected in XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
In XXXX XXXX I became a victim of predatory home loan lending when I secured a home equity line of credit with XXXX XXXX Loans. XXXX XXXX XXXX purchased XXXX Home Loans & subsequently transferred my Heloc loan to a company called Realtime Resolutions. I have contacted this company to offer a settlement of 10 % of the loan balance even though the loan was made available to me by XXXX using the following predatory lending techniques ; stated income in an amount that exceeded my real income at the time by more than {$5000.00}, using only my name on the loan and not both my husband 's and my name on the loan, and using an inflated home value created by XXXX real estate appraisal company called XXXX. In XXXX, XXXX XXXX XXXX through XXXX approved a Principle Reduction on my primary loan based on the true fair market value of the property. A principle reduction or extinguishment of the Heloc loan should be awarded me based on the unfair & predatory lending procedures used by XXXX when to award me the loan. I recently addressed this issue with Realtime Resolutions and was told by XXXX XXXX that there were no updates from XXXX XXXX XXXX regarding any settlement awards being offered to those customers whom XXXX XXXX XXXX had transferred Heloc loans to Realtime Resolutions for collection activity. I spoke with XXXX XXXX XXXX customer service and was told to contact Realtime Resolutions to seek a settlement offer. I am truly getting the run around between XXXX XXXX XXXX & Realtime Resolutions to have the Heloc loan settled under the same terms as the primary loan via the facts of the lawsuit won by the XXXX against XXXX XXXX XXXX in XXXX & in XXXX of XXXX. Please assist me in requesting that the Heloc loan assigned to Realtime Resolutions for servicing and collections be transferred back to XXXX XXXX XXXX since XXXX XXXX XXXX is the owner of the note and should apply settlement provisions to this note as were provided to the primary home loan via the XXXX lawsuits. The burden of not settling this loan either by extinguishment or by agreeing to a 10 % settlement results in my debt to income ratio being horribly distorted, having a continual decline in credit scorings & ratings by the XXXX major credit bureaus, being offered consumer credit at very high rates up to & including high interest rates on car loans, credit cards, insurance payments and the denial of credit offerings. In addition Realtime Resolution continues to negatively report on this account to all 3 major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I call the credit card company and they was not going to help me. I do know what they are taking about I did n't got a credit card from know one please help me with this and thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: WA

Complaint narrative:
Apparently my mortgage was sold to another lender. There was no notification of the pending " transfer '' or the actual " transfer '' by either my " old '' lender, Central Mortgage Company or my " new '' lender ( as of yet undetermined. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV has filed a wage garnishment on me for a debt that equals {$2800.00} from 2008 which is past the limit of state. being 8 years. I look at my credit report ant there was a wage garnishment, I never receive any paperwork from these people and do not owe this debt. This is an old credit card debt that they are trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Financial Freedom LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A Complete Short Sale Package was submitted to Financial Freedom on XXXX/XXXX/16. 

XXXX XXXX is the assigned negotiator - XXXXXXXXXXXX. 

There is an upcoming foreclosure date on XXXX/XXXX/16. 

XXXX refuses to answer our emails or phone calls. 

We found out today that absolutely nothing has been done on the file at all. 

**We have an upcoming foreclosure date on XX/XX/2016XXXXWhat is going on??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My workplace just got served a set of " legal '' Civil Division papers a day ago for some debt that I supposedly owe in the amount of over {$3000.00}. I had my Identy stolen over 15+yes ago at a local shopping mall. I reported all the cards stolen within a matter of an hour after I noticed it gone. That was XXXX. Here it is XXXX and my employer has got legal paper to garnish my wages for some debt I do not owe. I do not and have not had any credit card accounts since XXXX and the only asserts I own are my car and XXXX bank account that I have had over 20+yes with the same bank. The papers my employer received were a labeled LVNV FUNDING LLC ( plaintiff ) I have not received anything in the mail about this at all and again I have no Credit or Owe? 
I am a single mom with XXXX kids and trying to make ends meet is a challenge every week and now these people are trying to garnish my wages on something I do n't owe? How is this legal or possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Regional Processing Services
State: KS

Complaint narrative:
Lady named XXXX XXXX from regional processing services called me was really rude to me said that they are perusing me for malicious tempt for fraud. I 've contacted the loan place I know I have a past due loan but even I 'm not the only one who complained about this lady and even the original loan place said it seems suspicious. The number the lady calls me from is XXXX she answers the phone every time. I 'm upset please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
when moved out of our apartment we had the carpet cleaned but the community wanted us to replaced the carpet in the whole apartment because XXXX room had a stain that the cleaning people could not get out. So we refuse to pay them so they put us in collection. Also we moved into XXXX of their apartment in XX/XX/XXXX we move out in XX/XX/XXXX we went back in the apartment on the XX/XX/XXXX to clean the carpet they are trying to collect two months of utilities and charge us 3 days of rent how can you owe them two month of utilities when it is paid with you rent and I do n't know where the get the three days of rent from but they have us in collection for this too. We need some help on how to get these collection off of us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
The Florida Attroney General Investigator XXXX XXXX and the XXXX County Sheriffs Office filed a number of Investigations for Property Loss againist XXXX XXXX and XXXX XXXX in ( XXXX ) for XXXX, XXXX and XXXX. 

XXXX, North Dakota dismissed the outstanding balance of ( {$790.00} ) as it pertained to the Property Damage, Property Loss and Identity Theft filed with the Florida Courts and XXXX Judges. 

XXXX XXXX stated that the Outstanding Balance of ( {$340.00} ) was an unresponsible action of either the Retail Store and or the Online Order Service but, refused to resolve or mediate for ( 4 Years ) and Continuing. 

There are, Escalating Concerns of a Contiuned Fraud, Theft and Scamming of Resurgent Capital, XXXX XXXX and XXXX XXXX. 

XXXX XXXX ( XXXX ) XXXX ( XXXX ) {$3000.00} Property Loss ( XXXX ) ( Phone Service )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
The surge card I got double charge me maintenance fee yearly and monthly. When I read the agreement it seemed to state that it was either a XXXX yearly charge or a XXXX monthly charge not XXXX. Then when I try to cancel the card the guy said that the monthly charge will keep going month after month even though I closed the account.

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 2017-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
Pulled my credit report and a fraudulent account was listed on my report that I did not open nor authorize State Collection Service XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
I 'm being harassed my a collection agency They threatened me with jail time warrant for my arrest My husband called and and they called me a thief a liar and could not do a debt validation to us They tried to get us to wire {$1100.00} and the collector kept yelling at us and did n't let us talk to resolve the situation and she hung up on us as she threatened with felony warrants and charges The collection agency is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
XXXX XXXX president XXXX XXXX, and manager XXXX XXXX, have been ongoing threats and selling my private info from these debt collector agencies, stealing identity and started services in my name. Coercing & extortion of government funds after filings of XXXX, then selling info out to criminals. Ongoing harassment some of XXXX nature threw internet & out in front of my rental places. After XXXX move to rental units next door to me, threats & XXXX harassment begains, inflicting moving cost on me time n time again. Lying to court judges & stealing money orders n checks made out to me cashing them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-25 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: R & B Corporation of Virginia
State: CA

Complaint narrative:
this company has XXXX accts with different acct numbers and amounts I do n't know nothing about this acct, plz remove, this was open 2006 my credit is not good because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: 1st Money Center, Inc., Hurst, TX Branch
State: MI

Complaint narrative:
I live in Michigan. I have a title loan that I have paid over {$2000.00} in fees. I am 12 days late and I still owe XXXX on original loan. They have not taken my car but are texting me that legal action is going to happen. Do I have any recourse, since my original loan was for {$800.00} and every month I have to pay over {$200.00} and it does not touch the original amount. Please respond quickly as I need to know if I have any recourse what so ever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: CHECK INTO CASH INC.
State: AZ

Complaint narrative:
They are also calling XXXX XXXX XXXX. I have received repeated calls and have received a call today at XXXX with a documented voicemail left at this time. 

The organization is Check Into Cash XXXX XXXX XXXX, they represent a title loan company. 
Customer Service Department:XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: State Collection Service, Inc.
State: PA

Complaint narrative:
The information is false and it should not be on my account I have contacted the hospital and they have no recollection of me being in the hospital on that date

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SIMM Associates, Inc.
State: FL

Complaint narrative:
I have had the unfortunate experience of dealing with Simm Associates, a collection agency, in handling my student loans. After losing my one of my jobs in XX/XX/XXXX and working at my other job only 30 hours/week ( employer given hours ) I was not able to make full payments on my student loans. I offered to make reduced payments, however, the original lender, XXXX XXXX, refused a payment reduction to $ XXXX/month vs the required $ XXXX/month. They then sent my loans to SImm Associates. Since XXXX 2016, I have received multiple calls to my business cell phone which I have asked them nicely on MULTIPLE accounts to not call. I then began taking screen shots of the calls so I could document the continued calls. The next step was calling me during the business day at my place of employment. I asked that call to stop as well, but they continued. They even went as far as to call my father-in-law harassing him for information- again, I asked them to stop and they did not. Each of these callers from Simm Associates were rude and threatening, telling me they were going to put a lien on my assets, garnish my wages, continues to call my work office until a solution could be reached. EACH AND EVERY TIME I offered to again pay them {$100.00} and they would only laugh and tell me that was not enough money. I asked for a payment plan of some sort, or a long term solution for paying off these loans. XXXX person, by the name of XXXX, actually hung up on me saying I was wasting his time asking for a payment arrangement. This was the same person who told me I graduated from an XXXX school and should know better. Simm Associates is a collection agency- they DO NOT have the right to harass me, tell me they are going to put a lien against my property, take me to court, to call family members not associated with this loan nor call my cell phone. They have my home phone number which I have asked them to call to speak with me. They are utilizing unfair collection tactics as described in the Fair Credit Collections Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: VA

Complaint narrative:
We are currently in the process of refinancing with another mortgage lender and requested on XXXX XXXX, 2015 to have our current mortgage company, Selene Finance, send a copy of the note to the new mortgage provider. We were advised it will take 7-10 business days. On the XXXX and XXXX business days, we were told that Selene had up to midnight on the XXXX day to send it and they would take the whole day. On the XXXX day, the note was still not sent so we called and were told that the XXXX previous employees we spoke to were incorrect and that it can take up to 30 days if not requested in writing as verbal requests are " put in a pile ''. We then spoke to a manager, XXXX, to complain that XXXX different Selene employees advised us incorrectly which is unacceptable. We were told that she would escalate it and would not promise anything as far as timing. We even had to ask her to call us with an update on the situation. Selene acquired our mortgage in XXXX 2015 and this is the XXXX issue we have had with the company in 7 months. Their Customer Service department is absolutely horrible ( not helpful, not trained, incompetent ), and I would advise anyone to stay away from this organization as there are PLENTY of other mortgage service providers who can provide you with better service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I was contacted around XX/XX/2015 regarding a XXXX account which, in my best knowledge, was owned by my father, XXXX XXXX, when we used to live in an apartment, XXXX XXXX XXXX XXXX XXXX a couple of years ago, TX XXXX. My father is a senior citizen, so since I take care of many of his day to day needs and business, I used to make payment to his dish network account using my credit card information. 

I was contacted by this collection agency first time ever. The representative mentioned the XXXX account like it was mine, so I told him it was under my father name, XXXX XXXX. Then he said, I had been paying his bills. I told him, I used to make payment, behalf of him using my credit card information. 

This collection company using illegal tactics to collect a debt. XXXX XXXX never tried to collect the due balance from me by trying to make me liable for the remaining balance. 

Collection company report the due balance to my XXXX XXXX credit report. I am a very responsible homeowner and have had a mint credit history. 

A notarized statement from my father could be provided upon request that it was his account and I was n't liable for it to begin with. 

My father lives with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solutions To Portfolios, LLC
State: CA

Complaint narrative:
I have been receiving calls from STP processing for awhile now and they rarely leave messages. I have been injured and not able to properly communicate over the phone until recently. They call me a few times if not more each day. They have called my old employment and family even though they have my phone number that is still in full function. They have threatened a pending legal action and putting me in jail. They have not told me what the debt is or who they are associated with and I have never received anything in the mail from anyone about this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation