vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have sent a letter to this firm on a debt to XXXX, XXXX XXXX XXXX XXXX XXXX. To please send me the information on this dept, ( as per the sample letter you provide. The letter was sent Certify mail. So I can obtain proof of my actions within the thirty days. They have returned a reply, with a some papers that was looked up online. No original signatures, No Statement of last activity of the account. they stated its a judgement, but not on my credit report. ( SOL must of ran out, if it was on their ). I will send them another Certified letter again but highlighted with info required and have it notarized. I will also give them a order to stop until proper info has been provided on this debt. That I will take full legal actions against their firm in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I am desparately seeking your assistance with having a creditor ( that was paid in full per a mutually agreed upon settlement payment offer in 2013 ), with continuing to NOT report that the account been satisfied ( in 2013 ), and by constantly reselling it to collections agencies. I do have my proof that this debt was paid and settled via a letter from the law firm that originally handled this matter. The creditor is XXXX XXXX issurer of the ASPIRE credit card. Further information can and will be provide upon your request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Utah System of Higher Education
State: CO

Complaint narrative:
Even though I 've sent the forms in for income-based repayment, and can prove XXXX received because I sent them certified mail, they have claimed they have never received them. I 've also accrued several late fees because I can not get through on their phone system to get a repeesentative. Please help, I ca n't pay almost XXXX a month to them.anymore, I need n income based repayment.

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 2016-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: DC

Complaint narrative:
I have federal student loans from Utah Higher Education Authority ( UHEAA ), which I am making monthly payments of principal and interest of {$420.00} on the XXXX of every month. I made an additional payment of {$10000.00} on XXXX XXXX, 2016. It is my understanding that XXXX percent of that {$10000.00} should go towards the principal of the loan, since it is an extra payment on top of my regularly scheduled monthly payments. This is also what UHEAA representatives have told me on numerous occasions. However, XXXX applied {$21.00} of my payment towards interest for the four days of interest that accrued from my normal payment date of the XXXX to the XXXX. They did not apply XXXX percent of my payment towards the principal of the loans. When I spoke with XXXX, a manager at UHEAA, she confirmed this was their policy and their system automatically applies any payment first towards any interest due and the remainder to principal. I would like {$21.00} credited towards the principal of my loans.

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 2015-05-07 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I was in a month to month lease with XXXX ( XXXX ) XXXX. I was obliged to give a 60 day written notice before vacating the building. I did so, and sent the letter via certified mail. Roughly six months later, XXXX placed a {$7500.00} fine on my credit through Fair Collections and Out. This fee is exorbitant, as I only paid {$850.00} a month, and met my obligations for the lease. In the state of Georgia, the law states the landlord can only claim damages and the amount of time the apartment was vacant. I was never evicted, because I did n't break a lease, I should not have this on my credit. When I spoke with them they agreed to reduce the fee to {$3400.00}. This is still outrageous, and I 'm being illegally bullied in to paying for fines I never owed in the first place. They provided a forged copy of the lease that I never signed. If you search XXXX property services in XXXX Georgia, you will see they are well known for these tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have reached out the this company and never hear anything back. I want documentation of this account that shows break downs and specifics. I need to get this off my credit ; however, I can not pay the balance due to financial hardships. My husband has become very ill and no longer works. We are living on XXXX income and need help clearing this up. Can you please help?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I was contacted by this company to pay a debt I have regarding a credit card, I asked to have them send me a bill in the XXXX mail, a XXXX weeks later I received another call from the supervisor stating there is a problem with processing my account, I called and asked again for them to send me a bill as I do not want to give my personal bank account information to them and would like to send a money order for debt owed in payments, the representative " XXXX '' got very upset and said I need to resolve the debt and make a payment arrangement now along with a payment, I continued to explain to " XXXX '' I would like to send a money order along with a bill they send to me, he became irate and recited my address and I confirmed he said he will give my information to the attorney/lawyer to take legal action against me and hung up on me. I emailed another representative explaining that I will be reporting the company for their unfair collection practices, he replied that a letter was mailed to me and would email me a copy, I still have not received a copy neither have I received anything from them in the XXXX mail. They have also contacted me at my place of employment after I explaine I can not receive phone calls during work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I ended this account XXXX, l made sure account was up to date. Did not want problems getting a new account XXXX. Anyway this is XXXX there is the statute of limitations. 4 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I received a copy of my credit report, and that is when I notice the collection account for LVNV Funding LLC . I was never notified by the collection company, so I was unable to dispute the account for which they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I applied for a home mortgage refinance with New American Funding based on an email notification that indicated that my first year annual rate will be reduced by 1 %. All along I was led to believe that the loan will be amortized accordingly. New American Funding never provided an amortization schedule that shows how the loan will be amortized. Hence, it was implied that the amortization will be based on the lower rate during the first twelve months of the loan term. Upon receipt of the first mortgage statement, I discovered that the loan was amortized at a rate that is discounted less than the advertised 1 %. I believe that this company is misleading the public and should be required to disclose the 12 month amortization at the forefront of the loan process so that the consumer is made aware of the actual interest rate on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt started and ended in XX/XX/XXXX. I had an employer stop payment on my paycheck and then the bank started accruing overdraft fees. I never even attempted to pay it, because the debt was going so high and out of reach. LVNV tried to put my last transaction date as XX/XX/XXXX ( never happened XXXX so I filed a complaint about them and they responded by saying they would remove themselves from my credit report. Now this Company " XXXX '' is trying to collect an 8 year old debt that started out as a fraction of the actual amount. I would like them to provide me with proof I have had anything to do with this account in the last almost 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I keep getting this information reported on the XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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: TX

Complaint narrative:
Lvnv funding obtained a default judgement against me, I was never served. I found out when I received a letter from my bank ( see attached subpoena ) dated XXXX XXXX, XXXX. I was never aware of such a serious issue. I had no knowledge of the original creditor or amount in question. I looked up LVNV & contacted them at this number XXXX to ask for proof of the obligation. I also went to the court house on XXXX XXXX, XXXX, to request a copy of the original file. According to the clerk, based on her receipt the summons was taped to my door around end of XXXX or early XXXX of XXXX. I did not receive the summons that is why I was not aware of the court date which resulted in a default judgment. I made a request on XXXX XXXX, XXXX of the original file & I 'm still waiting for the file from the court. On XXXX XXXX, XXXX, I went to pay my mortgage, I found out that my checking acct along with my dayghter 's have been frozen. The bank representative notified me of a writ of garnishment order that was received from LVNV funding on XXXX XXXX ( see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: IN

Complaint narrative:
I am getting nasty calls and voicemails about someone I used to know years ago and their debt. They are telling me this person owes them a debt and asking me to pay it. They wo n't stop calling me and said that they wo n't remove my number from their calling list unless I track down the old college I used to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: TX

Complaint narrative:
I received irrational frequency and number of repeated auto dialer calls to my mobile device and then my employer phone number, after asking for the automated calls to stop, phone records as evidence, recorded call and certified letter evidencing my request to be removed from auto-dialer. Requested debt verification letter in writing, received it more than 30 days later and it had inaccurate information. I provided response to debt collector disputing the information they provided which was an entity and account number I have no evidence of. No response after more than 30 days.

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
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Central Credit Services, LLC contacted my neighbor about my debt. This neighbor is not a contact person nor reference on my application information. I 'm unsure how they targeted her or why they would try this tactic since it 's illegal. I have no idea how many of my neighbors they have tried this with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX To Whom It May Concern : I am filing this complaint against Simon Agency attempting to collect on behalf of XXXX XXXX XXXX, using abusive tactics in soliciting an invalid debt for medical services billed incorrectly to my insurance. The claim was billed under an incorrect XXXX code in an effort to seek higher reimbursement. As a result, instead of a XXXX ( which would have been reimbursed without liability to the policy holder ), the claim was processed as a diagnostic procedure, which resulted in deductible and co-insurance liability to me ( the patient ). 
Also, Simon Agency collected money from me, claiming that I have unpaid co-payments for claims that were paid in full, and for which I have receipts. I disputed the abusive entries in my credit report, which lowered my credit score by at least XXXX points. My dispute letters were rejected and returned unopened to my residence. The abusive calls continued. Due to unbearable stress of watching Simon Agency destroy my credit, I offered to pay the alleged debt, with the condition that it is removed from my credit report. They refused my offer and continued with their abusive practices. 
They demanded payment on fees that were previously paid to XXXX XXXX XXXX, and for which I have printed receipts. Since this medical claim dates XX/XX/XXXX, XXXX is unable to retrieve claims older than 18 months ; it is very hard for me to retrieve the records. However, I was able to obtain the XXXX codes billed by XXXX XXXX XXXX to XXXX and was able to verify the XXXX codes against the XXXX XX/XX/XXXX-XX/XX/XXXX reimbursement rate table at : XXXX This clearly demonstrates that the service billed was incorrect, which resulted in liability to me. 
I am therefore reporting : Simon Agency for abusive, illegal collection practices for unverified debts XXXX for fraudulent insurance billing My last attempt to resolve this with Simon Agency and with XXXX XXXX XXXX was today, unfortunately unsuccessful. I am currently filing an appeal and working with XXXX in retrieving the records in question. However, I wonder how would the damage done to my credit report be corrected? 
Your prompt attention at this matter is greatly appreciated. 

Sincerely yours, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
At XXXX I received a call from a woman at Simon 's Agency Inc. based in XXXX, NY. She did not provide her name and said that the debt they were attempting to collect was for a doctor 's bill. When I pressed her for information on who was claiming the debt, she would not give it to me. I asked for a copy of the bill and she said she was not allowed to provide it. I asked her for contact information for the person claiming the debt and she would not provide it. When I got upset and questioned the legitimacy of her claim, she told me that if I did not change my attitude she would report it to the credit rating agencies. I called the hospital and XXXX billing services that the hospital recommended -- all said my bills were paid. I called back to Simon 's Agency and the gentlemen who answered the call, who also did not identify himself, said he could not provide any other information to me and said I should call my insurance company. He said that they would know who the debt was owed to. When I explained that I had a right to know who was claiming the debt, he said " seems like you are afraid to call your insurance company. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: AL

Complaint narrative:
This is my third complaint against Elevate ( Rise Credit ). First, was a complaint regarding the violation of Alabama usury law and that consumer had paid in full. Second, Elevate knowingly placed a bogus 30-day late on my credit report and XXXX verified as accurate. In the meantime, consumer received notice from Elevate ( RiseCredit ) that account had been charged off and not paid in full. Third ( this complaint ), Elevate has placed a bogus balance on my XXXX credit report in which XXXX verified, immediately, via phone dispute. Consumer demanded another dispute. This company keeps playing games with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
XXXX payments every month not XXXX! Impossible to pay off with rise credit. Have made numerous attempts to contact them regarding settlement and have been ignored. Payments were always processed a day before the due date. The loan Sharks should be outlawed. They claim interest rate goes down- not true at all

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC
State: TX

Complaint narrative:
I do owe a debt and am paying it down, however, " until the debt is paid, collection attempts must continue '' is what I 'm told. It 's Sunday morning, XXXX XXXX and XXXX CDT. They have called 5X this morning already, on a Sunday, staring with the first call being a XXXX sharp.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Andrews & Cox, P.C.
State: VA

Complaint narrative:
I request for my Credit report be sent to me and was surprisingly to see a judgement against me from XXXX XXXX XXXX XXXX after years of harassment during be unemployment. I fought with them from XX/XX/XXXX until they stopped in XX/XX/XXXX and now I see while they stopped even though they did not during the time mentioned below as I send them constantly letters stating that I was unemployment. 

Several of their collection agencies and attorneys just ring out to me all day everyday, including the weekend but never stopped. 

Now there is a surprisingly judgement on on credit report what involving Bleeker, Brody & Andrew, that first send me a warrant that was take to my residence door for another consumer and then lied and said that was me and found out that the other consumer was given my warrant. When I went to court, I explain to the courts and gave them a copy of the warrant and the judge was not please. I also explain to the court that they have been harassing during my hard time being out of work and collecting unemployment and again, the judge was not happy. Bleeker, Brody & Andrew also lied that they send my copy of my original warrant XXXX, and then I received a copy the day of the court date but they are allowed to put a judgement on my files. 

Now, since I did not have any money to get to court, I wrote letters them and let them know. So in between not able to afford to go to court, somewhere in there this judgement was place on my records. 
I know that I owe them because how do you repay during hard times. When I talked to XXXX XXXX and the attorneys, they instructed me to sleep in my car until I repay them back. 

I have tracking letters of this and hope that I can attached them as I have contact you before re : this harassment with XXXX XXXX XXXX loan and Bleeker, Brody & Andrew out of XXXX, GA

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Critical Resolution Mediation LLC
State: IL

Complaint narrative:
I have been contacted by multiple XXXX party collection agencies stating I have outstanding XXXX 's which were bought by their company.They refuse to give me any information or validTation of debt.The collector stated I was sent a letter and that is my validation. 
He demanded I pay him @ that moment.The original creditor was XXXX XXXX XXXX from XXXX/XXXX/12. The collection agency is XXXXCritical Resolution Mediation. I stated I would check with bankand get back to him.The company called me 3 hrs later he wasgiving me until XXXX that night and he was going to call my bank and drain my checking and savings. He kept reminding mewe were on a recorded line. I advised him to move ahead. The collector preceeded to tell me I should not be taking out loans, Iam not going to pay back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed