vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-15 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Fair Collections and Outsourcing ( FCO ), a debt collector and assigned agent of the original creditor, XXXX XXXX XXXX, has been attempting to collect a claimed debt of {$3500.00} for various charges associated with my rental of an XXXX apartment at the XXXX XXXX facility in XXXX XXXX California. 

FCO has provided as evidence of the debt, a '' resident Journal '' that depicts debit and credit transactions and ending balance. The problem with this XXXX page report is that @ XXXX % of the report is blurred beyond readability, and the ending perpetual balance does not follow from the transactions, but rather is stated seperately on a page not of the transaction report, and in a different typeset. The report as given is useless for purposes of debt validation. 

FCO is reporting the claimed debt to XXXX, who is reporting it as a delinquent item in collections. 

I have sent to FCO a copy of the report I received from them, pointing out the unreadable areas, and requesting a fully readable version. I also requested that they provide the name and contact information of authorizing and approving agent at XXXX XXXX Communities. 

In response, I received a letter from FCO stating they have " verified '' the debt and will continue reporting it to the CRA, FCO did not respond to any of the requests I made for a competent validation of the debt, and identity of the source of the data.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The Pentagon Federal Credit Union has deliberately " re-aged '' XXXX of my old credit accounts and illegally changed the Date of First Delinquency to a later date causing the negative credit listing to remain on my credit report longer than allowed by federal law. 
I submitted a dispute to the Credit Union where I provided undeniable evidence that the Delinquency was more than XXXX years old and should have therefore been deleted from my credit file, according to the Fair Credit Reporting Act ( FCRA ). The evidence particularly included Credit Union 's own prior letters in which they clearly indicated that the Delinquency occurred more than 7 years ago. 
Nevertheless, the Pentagon Federal Credit Union completely ignored such evidence and maintained that their records and information they report to credit agencies are correct. The Credit Union has also refused to change the information on my credit report. 
The continuous reporting of the incorrect information unduly damages my credit file and prevents me to refinance and obtain business credits, causing monetary losses and distress for me, my family and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
My husband and I applied for a VA loan with Quicken Loans in XXXX, 2015. In good faith, we paid our {$400.00} deposit to be used towards expenses closing this loan. Our appraisal was completed and our home value returned at $ XXXX. Due to unforeseen circumstances, we were unable to move forward with the VA loan and decided to switch to a conventional loan. I was told repeatedly that this would not be an issue based on our good credit ( an excellent score of XXXX ) and income ; and even received a good faith estimate that we would need approximately $ 3k to close the loan. Suddenly, we were advised that a new appraisal would be needed and that one was returned at only $ XXXX, which meant that we would need over $ 18k out of our pocket to close the same loan. To add injury to insult, that reduction in value was after we had just spent $ XXXX in paint, new carpet, and tile work in the house, and the market value in the area has increased based on all realtor websites. I am not sure how one persons opinion ( which is what an appraisal is ) can drop the value of our home by $ XXXX. Quicken refused to use the XXXX appraisal as they said it was a VA appraisal and now we have a conventional application - how is it fair that the same Veteran lives in this house and because we ca n't get the VA loan, now our home is worth less and we are being penalized by being asked to come up with another $ XXXX in cash to close our loan? That sounds like discrimination if I have ever heard it!. This saga has dragged on for over 3 months - and now we are unable to move forward with our refinance due to the undue burden Quicken has placed on us. I have repeatedly asked Quicken to reconsider use of the original appraisal - and they refused. Not getting the VA loan just makes us less of a customer to them. I also asked then to have our {$400.00} good faith deposit returned as we did everything we were asked to do and spent day after day, hour after hour working with them ... calling them ... .having to follow up on them - what horrible customer service! Again the refused as clearly I am not a customer who can make them enough money to want to move forward. This has been the WORST customer experience we have ever had and I hope that no one else has to deal with the same level of incompetence that we have experienced with Quicken Loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
i purchased a vehicle from a buy here, and my loan was sent to Mid-Atlantic. and apparently in the loan agreement I could n't have a bad payment within the first 90 days or I would terminate my loan. needless to say life happened and my account was XXXX dollars short so my bank returned payment. the next couple of days the dealership calls and says do n't make a payment with them they are going to take back the car for the bad payment. he then goes to say with the next couple of days they are making me buy back the car. so I am out of XXXX dollars so I need my car back unless you can bring me the car. does n't sound right so I call the finance company and they first say yes the dealerdid buy back the car make the payments with them. I call again and another manager says no your account is active and you still should pay us. but if the buyback is in process you would then have to talk to dealer about the payments. I let the finance company know that I traded a 2006 truck for the 2006 Honda civic and what happens to my trade inif my deal is no longer any good. she goes well its up to the dealership if they give you back the trade in or not. and I feel as if I am being ripped off. here. because I also paid my tax tag and title up front to the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 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 wrote in XX/XX/XXXX and XX/XX/XXXX to advise RESURGENT CAPITAL SERVICE, that the allege account # XXXX is not mine and to seen a sign contract that they company got from the original creditor XXXX XXXX, I was advise by phone on XX/XX/XXXX at XXXX that they contacted the original creditor and was n't able to validate the account. I advise them that they letters was giving me XXXX. The company advise me they will continue to seen the demand notes to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Utah System of Higher Education
State: IL

Complaint narrative:
I am paying only partial of my student loan and I was advised, by Cornerstone ( XXXX ), that i would still receive phone calls, that was fine, but I told them not at work. I have literally told this company over 50 times to stop calling me at work and call me after XXXX XXXX. I got so mad that I blocked the number. Now they are calling me from another number! I have told them every week this month to stop! They are being deceptive even though i have communicated with them and are paying something when I can. 
They call when my bosses are in my office and are listening to me tell them not to call me at work. They have forced me to discuss my personal life with my bosses because of this, which makes me look bad! I do not know how to get them to stop! I have been nice, angry and nothing works. I 've even spoken with a manager about this without a resolution. They promised me it was taken care of. 
They are going to make me lose my job if I keep getting debt collector calls while I am working. 
Please help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a loan modification on XXXX/XXXX/XXXX. It was denied on XXXX/XXXX/XXXX because OneWest said that there was no material change in circumstances, which is not true. Previously I had applied for a loan modification with OneWest. The last time was on XXXX/XXXX/XXXX. At that time my income was {$5800.00}. Now my income is {$4800.00} which constitutes a material change in circumstances. According to the Homeowner Bill of Rights, OneWest must give me 30 days to appeal the decision. OneWest is refusing to allow me to appeal and is going to move forward with the foreclosure which is set for Friday, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MRS BPO, LLC
State: NC

Complaint narrative:
Calling a household in which I never lived

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Creekside Recovery And Capital Management
State: CA

Complaint narrative:
On XXXX different occasions a person who identifies himself as " XXXX XXXX '' leaves a very intimidating message for someone ( not me ) that they " had better be at '' and leaves an address to receive paperwork he has. He left the phone number XXXX if I was not going to be available. I contacted this number and spoke to XXXX different individuals, telling them I was not the person they were looking for and wanted my contact information removed from their data base. They refused to do so. XXXX of the phone calls was at XXXX XXXX. I have read on an internet search that this is a very standard practice for this company, please do something about it - Creekside Recovery and Capital Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I SPOKE WITH A XXXX XXXX XXXX IN THE COMPLIANCE DEPARTMENT ON XXXX/XXXX/16 AT LVNV FUNDING ABOUT OTHER DEBTS THAT THEY MAY HOLD PERTAINING TO ME. HE CONNECTED ME WITH THE LVNV FUNDING CUSTOMER SERVICE DEPARTMENT. THEY WHERE VARY HARD TO WORK WITH IN GETTING THE NEEDED INFORMATION TO CLEAR UP ANY AND ALL DEBTS THAT THEY MAY HOLD OF MINE. AFTER SPEAKING WITH XXXX SUPERVISORS, BEING HUNG UP ON, AS WELL AS SPEAKING WITH XXXX MORE REPRESENTATIVES I FINALLY GOT THE NEEDED INFORMATION. THE FIRST CREDITOR LISTED THEY NEVER DID GIVE ME THE NAME OF, AND REFUSED TO MAIL ME ANYTHING TO SHOW THE DEBT WAS OR IS ACTUALLY MINE. ACCOUNT # XXXX AND REFERENCE # XXXX. 

THE SECOND ACCOUNT XXXX ACCOUNT NUMBER XXXX REFERENCE # XXXX THEY REFUSED TO SEND ANYTHING THROUGH CUSTOMER SERVICE ON THAT ACCOUNT AS WELL. 

I 'M ON SSI AND HAVE BEEN FOR MANY YEARS, AND AM NOT SURE WHICH OF THESE ACCOUNTS WHERE MINE OR ARE MINE. 
AS WITH THE OTHER ACCOUNTS LVNV FUNDING HAVE DONE. THESE XXXX ACCOUNTS SHOULD BE CLOSED DUE TO HARDSHIP AS I HAVE XXXX TO XXXX XXXX A WEEK AN AM ON XXXX AS I STATED EARLIER IN THIS COMPLAINT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I have been with First National Bank for 30 years. Over the years, there have been a half dozen times I have considered changing banks. Today I resolved to do so. In the latest incident, we deposited a check through the ATM on a Saturday ( XX/XX/XXXX ). Monday morning I checked and saw the deposit was pending. If I had gone in to the bank Monday morning to deposit the check, the funds would have been available that afternoon. As it was explained to me just now, because I deposited the funds through the ATM the previous Saturday, they did not give us credit for the money until Tuesday morning. XXXX or XXXX things that went through Monday afternoon/evening were counted as overdrafts even though there was money to cover them had we been credited with the check. Tuesday XX/XX/XXXX, I got an email about my account and within 10 minutes was at the bank with cash in hand to not only cover, ( because it was already covered by the check from the previous Saturday which had just gone through ) but enough to be nearly {$1000.00} to the good. They still charged me nearly {$200.00} in penalties and late fees. I was of course very upset but the most troubling thing was to come. The manager stood over me with his arms crossed, scowling and repeating the same ridiculously unfair deposit practice over and over as if I was a feeble minded child. At one point, as he remained standing and I sat, he leaned into me. I finally just decided it was not going to be fair regardless and the manager, who obviously held all the power in the situation, literally bullied me out of the bank. Horribly unjust, unfair and intimidating. If I have to pay fees, so be it but as a customer of First National Bank of PA for about 30 years, I did not deserve to be intimidated and bullied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
tidewater finance company I have statement from this company {$.00} balance to due and at XXXX/XXXX/2016 and collection call me every day and harass me about payment to do {$26.00}, they told me {$26.00} is late fee, I do not see anything on my last bill statement, please help,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Penfed credit card, which offers membership rewards for all the purchases has not been updating my rewards balance since XXXX of this year. I called them multiple times, but the issue still remains.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Risecredit, LLC
State: TX

Complaint narrative:
I applied for a loan through Rise, and was denied, which is fine. I checked my credit report and saw that my credit report was checked without my permission. When submitting an online application on their website, a notice was never generated, asking me to allow them to pull my credit report. As a consumer, it is my right to allow or deny a hard inquiry from a finance company. 

When i contacted RISE on the phone, the representative could not tell me where on the website it asks for permission to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: CA

Complaint narrative:
My mother received a call asking for me. As she lives with me, she gave me the phone. The person I spoke to advised they were calling about a loan that had been turned over to them. As I had no knowledge of this, I asked them to send me information they in fact own the debt in question and I will handle it then. The agent said they had sent me XXXX letters, to which I responded I had n't received anything from them. The person then said they were going to mark my account as 'refused to pay '. I advised them I never said I had refused to pay ; I just wanted verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Virtual currency — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Money was going to be transferred from XXXX to bank account. Said completed but no money found in bank.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: WI

Complaint narrative:
Debt collector calls me XXXX after another XXXX another and call my work phone to continuously. I ca n't take personal calls at work so I pick up and hang up right away. I 'm afraid of this continues im going to get fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Velocity Portfolio Group
State: PA

Complaint narrative:
Collection agency has repeatedly contacted me and XXXX parties regarding an alleged debt after being asked to cease and desist contact. 

Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Strategic Alliances, Inc.
State: SC

Complaint narrative:
They are unavailable. I emailed them twice at their online email address and both emails got bounced back to me. I was hold with them for an hour and 50 minutes between XXXX XXXX and XXXX : XXXX on XXXX/XXXX/2016. I have already paid the bill in full that they are tyring to collect and I was just trying to let them know that.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Today I answered a call from a local telephone number. The man identified himself as XXXX ( without a company name ), and advised me my call could be recorded. He then asked me to verify personal information over the phone in order to discuss a " debt '' which he would not disclose the creditor information. I refused to acknowledge or verify any personal information and asked him to kindly send any pertaining documents to the address he claimed to have on file. He became extremely aggressive and told me that he had my entire social security number in front of him. I politely asked him not to disclose personal information to me since I would not verify I was the person they were calling for. He kept me on the phone for several minutes with a threatening demeanor trying to get me to verify my information, when I continued to decline he indicated that the matter could be settled in court without my cooperation. I asked him the name of his company and he replied " Dynamic Recovery Solutions '', I again asked him to send the information on the supposed debt to the home address on file and he snapped that they already had and I was " ignoring '' them. He asked me for an email address to send the information to and I again refused. He accused me of being " counterproductive ''. I told him I was following the advice of my attorney and not releasing or acknowledging personal facts over the phone and thanked him and told him to have a nice day. I checked my credit report and I do not have a collections account with this company. I believe they were trying to scam me based off an old debt that has either been settled or removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: FIRST CASH FINANCIAL SERVICES, INC.
State: CO

Complaint narrative:
I was double charged at an establishment and was told i could not get my money back. after, speaking with a higher up rep of the company i finally received XXXX of my payments back. Today, I went to pay my loan off and re barrow and now i am being told that i can not because i missed a payment. i have receipts for XXXX and XXXX payment. i contacted the district manager again. And this time i was told to leave the store and that was that. I explained to this person that i have receipts and he still would not honor what i had to say. at this point my contract is void because they did not hold up the end of the agreement on their end. the district manager also hung up in my face.

Company response to consumer: Closed with explanation