vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I was a victim of identity theft and noticed a collection from LVNV FUNDING LLC 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 commision which I wrote a formal complaint against LVNV FUNDING LLC 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 2015-09-02 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: MRS BPO, LLC
State: CA

Complaint narrative:
My XXXX XXXX collection is incorrect. The account I opened in 2009 was closed and zeroed out before service was discontinued and a payed in full status was never restored. I submitted bank records to show the ACH payment made before my account was closed in 2009.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-30 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I was contacted from a company " LVNV Funding '' about a credit card account from XXXX XXXX, that was sent to their office for collections. They gave me the credit card # but were not able to give me any other information. I explained to them that I did not open an account with XXXX XXXX, nor did I have any knowledge of this account. The time period that they said it belonged to I know for absolute certain it was not me. I then got a copy of my credit report and sure enough this account is on there. I know that I have disputed it more than once but they always say they will send me a letter, and I never receive anything. This account is not mine and can not be verified to be mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
IndyMac/OneWest/XXXX and XXXX XXXX XXXX duplicated my credit status pertaining to the mortgage I had with IndyMac. The information submitted to the Credit Bureaus was duplicated. The same information was reported twice. One by IndyMac/OneWest/XXXX and the other by XXXX XXXX XXXX. This is incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I was sued for a debt by A collector claiming to be the current creditor, we went to court, and the court concluded that I do not owe the debt. The court gave me paperwork to send to the XXXX credit reporting companies, XXXX deleted the account, XXXX and XXXX noted that I made A dispute, but LVNV funding claim that I still owe the amount, even with the court order. I have been denied loans and my credit score is affected by this, and this company LVNV funding will not give up. Please look in to this matter and see what can be done, Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The debt collector XXXX Resurgence Capital Services XXXX is attempting to collect on a debt that I do not own. They have also sent a letter with a statement that indicates the current account owner XXXX LVNV Funding LLC XXXX will not report the debt to any credit reporting agency. This is a false statement. I learned about this debt as a result of it being reported to a credit reporting agency. Also, the statute of limitations to collect on this debt has expired. This debt was supposedly acquired in 2008. I have not heard from this debt collection agency, or any other company regarding this debt until now. If this debt is valid, I would assume the debt collection would have begun a while ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
First of all I would like to take this moment to thank you for all the wonderful work you do in helping us resolve issues that would take years to resolve but because of your exceptional work they get resolved sooner, for that thank you. 
I have a mortgage with Pentagon Federal Credit Union ( PENFED ) I the borrower pay the Insurance and Taxes no escrows. I paid the Insurance and the taxes for fiscal year XX/XX/XXXX-XX/XX/XXXX. My XXXX XXXX XXXX forwarded the homeowner 's declaration page ( HODP ) in XXXX XXXX on the renewal date. In XX/XX/XXXX I received a letter from PENFED requesting a copy which I uploaded on the internet portal as they requested. In XX/XX/XXXX I was notified of forced insurance. Called their toll free and I was advised that they received all the needed documents ( s ). Forward to XXXX XXXX they raised my payments to reflect the forced insurance. I have tried to correct the issue and they acknowledge they received the HODP I 'm not sure if its incompetence on the employees on their systems do n't interface/talk to each other. If could be kind enough and help me resolve this issue of having XXXX policies on XXXX house.

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 2016-10-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I have not been given credit for the payments I have made since XX/XX/2015. It appears more has been added to the report. I do not have a contract with LVNV and will be filing a counter suit in XXXX if they do not remove the derogatory remarks. I have not missed a payment and I assured them I would pay XXXX through correspondence. They refuse to correct the report. They bought the loan from XXXX who I am unable to co tact. I have disputed this previously,. To date I have paid {$920.00} and have proof through bill pay from my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I tried to open the account with CIT Bank. Even after providing all the information on the online application page - it 's just not even moving any further. So many other consumers are also facing the same issue due to the terrible website that they are having. Called them thrice yesterday about this issue and they ca n't fix it. There is no other way to open the account with CIT Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 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: FL

Complaint narrative:
LVNV IS REPORTING A COLLECTION TO MY CREDIT REPORT FOR THE PAID OFF CREDIT CARD.. MY NUMEROUS ATTEMPTS TO REACH THEM TO REQUEST THE VALIDATION OF THIS ACCOUNT OR DELETION WENT IGNORED AND THIS IS STILL DAMAGING MY CREDIT. PLEASE HELP AND REMOVE THIS FROM MY CREDIT REPORT IMMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 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: MD

Complaint narrative:
In line with the multiple unethical credit reporting complaints as identitied via the internet, since the beginning of this year I have been disputing an account from Fair Collection and Outsourcing ( FCO ) -creditor XXXX in in the amount of XXXX dollars which has been placed on CRAs XXXX , XXXX , and XXXX. As well as receiving a threatening/harassing phone call from a gentleman customer service representative - once @ XX/XX/XXXX and another in XX/XX/XXXX, in which I still confirmed my dispute the account is not mine. 

I recently did a direct contact and phone calls with the client ( XXXX ) on this account you and the supervisor at that location informed me that they do " not '' have any records annotating the {$3100.00} amount FCO reported to the CRAs. Also documented. This information pose illegal reporting from FCO and under my credit rights and I 'm requesting investigation on the FCO company and my actual account and this inorrect information permanently deleted from my CRA reports XXXX, XXXX, and XXXX. I 'm also concerned and request investigation of FCO 's document replication of account ledgers ( false documentation ) from the actual creditor. This false reporting is currently hindering my employment associated with credit requirements ( position with clearances ), as well my quality of life and pursuit of the American dream. I recently filed a complaint via XXXX where this company 's rating is graded an XXXX, and received the complaint results stating after multiple attempts of communication from XXXX with FCO, FCO failed to respond to XXXX regarding my complaint. They also informed me to pursue this company with an attorney and/or CFPB. Again, I have also filed another dispute with FCO compliance officer via email, as well as via the CRAs. This company has created havoc on thousands of law abiding citizens and should be seriously investigated and fined.

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 2015-11-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Resolutions sends a request to all Credit Bureau agencies to update my tradeline and show status as 'included in bankruptcy ' and ERASE the 90day delinquent status on my and my husband 's credit report. However, this only lasts for XXXX cycle and I am forced to make repeated phone calls and letters to get them to correct the status time and time again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
A stop payment was requested back in XXXX 2016. The request was never removed. Several occasions, items were presented against the account, no funds were in the account. Thus resulting in non sufficient fees ( NSF 's ). Several times, I spoke to managers in the customer service to get credit for the fee being assessed. In two occasions, they were reverted. However, other times they were not. I was told that they had to go through a different process to get " approved ''. This never happened. 
Eventhough, I still have this account. There has been attempts to withdraw funds from FACTS Management causing continuous NSF 's. Would like someone to take a look on how this agency is refusing to secure an account. Also, marginalizing the poor ( or at a lower class level ) to benefit the wealthy.

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 2015-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: ME

Complaint narrative:
I have a mortgage with Central Mortgage Company. I was a few days late in 2013 and they waived the late fee. Over 2 years later I was late by 2 days and they assessed a {$69.00} late fee which they would not consider waiving. The following month my payment was timely but they rejected the payment after the time period for when payment was due making the payment late. They assessed another {$69.00} fee to spite their agreement that there was no way for me to make this payment on time. 
They are abusive and their actions should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
received a letter from courts that I am being sued XXXX XXXX XXXX represents lvnv funding llc as successor in interest to XXXX would have been nice to know it was charged off then sold but straight to court we go

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I have paid an apartment complex directly on XXXX/XXXX/2011 and was given my receipt and a signed letter by the property manager stating that they received payment and my balance was XXXX. The company was changed management several times and lost paperwork and so forth and yet IT HAS NOT BEEN REMOVED FROM MY XXXX CREDIT CREDIT, WITH ABSOLUTE PROOF I PAID prior to it going to collections. THEY ARE DELIBERATELY NOT DOING THEIR JOB AND BREAKING THE LAWS THAT ARE IN PLACE FOR THE CONSUMER. I have disputed over and over again and they still have not did their job with irrefutable proof. I would not have a receipt or letter from the collection agency since the apartment complex was paid 5 years ago and was called XXXX XXXX. So therefor my receipt was given to me from the property manager of the complex I previously resided. I made a complaint to my XXXX XXXX as well as FTC.

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 2015-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Concord Resolution Inc (Closed)
State: MA

Complaint narrative:
Company alleged that I owed $ XXXX+ on a payday loan, despite the fact I have never received a payday loan. 
They were extremely aggressive and hostile on the phone and threatened to take legal action. 
They never disclosed the " mini-miranda '' or that this call was to collect a debt. 
They also called daily, sometimes multiple times, leaving messages each time they called. 
When I asked to receive debt verification, they claimed that they had already mailed documents previously, but I never received any such documents. They refused to send me any documentation or verification and only got more hostile on the phone. 
Most distressing was that they had personal information including name, address, bank information, and social security number. 
This was most definitely a debt collection scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: MA

Complaint narrative:
Dear Sir/Madam, My mortgage was recently sold off to Central Mortgage Company. I received a threatening letter from Central Mortgage on XXXX XXXX stating they did not have the required proof of insurance coverage on our home. If I did not take immediate action, they said they would purchase the required insurance and that I would be responsible for the bill. When Ispoke to their representative on Tuesday, they told me that I had 30 to 45 days to provide them with the proof of insurance. 

I had my current insurance carrier ( XXXX XXXX ) fax them the requested insurance binder immediately on XXXX XXXX. I called them again this morning and they have no records of the insurance policy from either myself or from the Mortgage Banker that refinanced our home ( XXXX XXXX ). A recent XXXX search has revealed a staggering number of complaints of fraud and predatory lending practices from this company. 

When I reviewed my loan info online this morning I found a {$6600.00} charge on my escrow account for a Force Placed Fire insurance policy from their friends at XXXX XXXX XXXX. My escrow account balance is now negative. This new insurance policy is over XXXX times the cost of our current insurance policy. Talk about a scam. 

I am trying in good faith to rectify this situation but it has not worked. I am setup for auto-payment from my checking account and I have no idea how much they are going to take out of my checking account to pay for this redundant homeowners insurance policy. How can you help us with this problem? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
We signed a contract for a home and submitted the contract to Pentagon Federal Credit Union XXXX Penfed XXXX. We were assigned a loan officer, XXXX XXXX, and assigned a closing date of XXXX XXXX. She requested MANY documents for the underwriter, which we returned within only a couple of days. She never confirmed that she received the documents. She did, however, note that she had ordered the appraisal on XXXX XXXX, 2015. The appraisal occurred, but there was an issue with the names on the document. She was given contact information for all parties involved XXXX appraiser, realtor, homeowner 's insurance agent, etc ). She had multiple weeks to get all of her work together. Because I had not heard from her and it was the week of our closing date, I called on Monday, XXXX XXXX. I received no answer, and no response to my voicemail. I called again on Tuesday and received no answer, and no response to my voicemail. On Thursday evening, she calls to say that she is missing signatures on a contract and needs it immediately. We sent it to her within an hour, even though our realtor claims it was sent to her before ( and I believe this because she has continuously lost documents that I have submitted ). Tonight, XXXX nights before closing, she tells me that now that she has the contract, she will have to get an appraisal done, and that I should contact the seller and request a new closing date. I do not want a new closing date, and everyone has done their part to make sure closing happened on time except for her. And if she had answered the phone earlier in the week, or returned a phone call, perhaps we would n't be in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/2016 I was charged XXXX NSF charges in which I should have only been charged for XXXX. A XXXX dollar charge was presented which left me XXXX positive after which a charge of XXXX came in from XXXX which caused me to overdraw my account. However, with the extra charge of XXXX dollars caused my account to have a domino affect over the next few weeks which caused over XXXX dollars in overdraft fees. I went back farther in my account and this is not the XXXX time they have done this but this time it just caused a lot of problems and was very inconvenient being that it all happened during the holiday season

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 2015-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I run a small business and have been banking with regions bank for a few months what a huge mistake at times my account has a low balance and they take advantage by reordering large transactions over ver small ones so they can collect large fees at times a few Small transactions that total less than XXXX dollars have cost me over XXXX in fees if they would process as the items came in this would never happen this is a huge scam

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief