vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 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: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
I was a few days late on a payment and the branch manager contacted my mother to discuss my account. I am XXXX years old and my mother does n't need to be involved in this. My mom was told they could n't reach me and " my account very delinquent ''. I work nights and sleep during the day when they call. My account was not very delinquent but only by a few 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 with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH

Complaint narrative:
I submitted my mortgage payment using my mortgage companies online bill pay system. The payment was made on XXXX XXXX, 2015. The bank account information I listed was, apparently, off by XXXX number and as a result it never went through. I discovered this today, XXXX XXXX, and contacted my mortgage company to inquire as to why the payment never went through. I was at this time advised that the account information entered was incorrect. I asked that since my original payment was submitted timely, and since the only reason for the issue with the payment was related to an error in account info, that they not report my husband and I to the credit agencies. I was told " too bad, we 're reporting you anyway ''. I never received a phone call, email, text message or notification via XXXX Mail stating that the payment could not be processed and therefore was unaware that payment had not gone through. I do not feel as though my husband and I should be penalized as a result of their inability to provide proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am very disappointed that the CFPB did not help to resolve this fraudulant loan. # XXXX between XXXX XXXX and XXXX, FF ( AKA ) One West. Case # XXXX with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC.
State: MN

Complaint narrative:
My mortgage was sold to Arvest Central Mortgage Company XXXX, AR XXXX. This mortgage company will charge me for every payment I make on line via direct payment a {$5.00} fee. They will not charge this fee if I set up auto payments every month. The issue is every month I like to pay additional principal, and some months more and some months a little less. Well in order to do this I am charged a {$5.00} fee pre transaction? No company that take direct payment on line does this, not the phone company, power company or credit card companies, nor my last mortgage company. They will also wave the fee if I pay by check and use a coupon book. I feel this fee is an overreach of trying to keep me from paying additional principal in the amount I would like, by charging me a fee to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I received a debt collection letter from LVNV Funding LLC on a XXXX XXXX Bank debt. I inquired about this debt, informing LVNV that it is not mine, I have never had a XXXX XXXX account and I received a letter in the mail saying the debt was bought out by Resurgent Capital Services. They claim the debt was opened in 2002 by myself with my current address, which tells me that they truly do not have a valid debt on me. When I called Resurgent to inform them that the debt was not mine and that it needs to be removed from my credit report, they said they 'd look into it and proceeded to send me another letter with the same information claiming I opened the account in 2002.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 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: TX

Complaint narrative:
This account was opened in XXXX of 2008. In XXXX of 2008, I was XXXX years of age, unable to legally sign any contract, or incur any debt. I have repeatedly asked XXXX, as well as their Collection Agency, " LVNV Funding, AKA Resurgent Capital Services '' to delete this file, and report the deletion the the Credit Reporting Agencies and they refuse to delete the negative information. This is negatively affecting my credit, as well as potential employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Oracle Financial Group LLC.
State: OH

Complaint narrative:
I have been receiving numerous calls from Oracle Group in XXXX New York telling me that if I did n't pa them by the XXXX warrants were going to be issued for fraud and several other charges. I thought his was odd and stopped all contact because I have n't received any letter indicating this debt, ever. Then they proceeded to call my workplace and told them the same thing about the warrants for fraud. I do n't believe this is an actual debt that i even owe and they are extremely aggressive on the phone. Threatening me with jail and lawsuits and telling me I need to keep my dogs put up for their own safety. Their names are XXXX XXXX and XXXX XXXX XXXX

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 2015-10-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ARVEST BANK GROUP, INC.
State: MO

Complaint narrative:
Arvest Bank charged me a {$10.00} late fee when I was only under {$6.00} on my payment and it was actually not late. It was received well before the due date of the XXXX of XXXX. I have since been unable to reach any representative to get the {$10.00} fee waived. I have been put on hold multiple times for over XXXX minutes each time in an attempt to reach a specific person who might be able to waive the fee but it was never promised that it would be waived. The reason I bring it up is because there have been XXXX separate occasions where representatives stated that since I paid ahead by several months ( I pay {$200.00} a month when my payment is {$160.00} per month ) I could pay whatever I wanted even if it was under the monthly payment of {$160.00} and I feel that the bank representatives have misrepresented the information to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Real Time Group, Inc.
State: OR

Complaint narrative:
I have received multiple phone calls and one letter from Real Time Resolutions attempting to collect an old credit card debt from approximately 14 years ago. The statute of limitations in the state of Oregon is ten years. They continue to run my credit score affecting it. Despite a few attempts to explain to them that they are in violation of Oregon law they persist in their illegal harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2016 Plaintiff accepted {$47000.00} in XXXX funds to fully cure Homeowner 's reverse mortgage arrears for unpaid taxes and homeowner 's insurance. Prior to this payment, XXXX 's home was sold at a foreclosure sale on XXXX XXXX, 2016. The purchaser of the property was the mortgage lender, XXXX. After the sale lender and the State of Florida entered into an agreement whereby the lender agreed that in exchange for full payment of XXXX funds to cure homeowner 's arrears, including all fees and costs, lender would vacate the final judgment, reinstate the loan and rescind the foreclosure sale, restoring title to Defendant. Notwithstanding, lender now seeks possession of the subject property and is intent of dispossessing homeowner of her home

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc.
State: NV

Complaint narrative:
A credit report was requested and Real Time Resolutions was reporting an account opened and currently past due. I requested several things directly from Real Time after disputing with the bureaus and this was not resolved. I am sending a copy of the letter that was sent to them along with their response. What was requested was not a print screen but complete information. Their response is unacceptable as I 'm sure anyone would agree.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 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: GA

Complaint narrative:
I along with my parents have been receiving phone calls from a debt collector regarding a debt that does not belong to me. I 'm certain that the debt does not belong to me based on a letter I received from Fair Collections & Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. The calls came from XXXX & XXXX. They have merely used the internet and available information to connect me to someone I know that owes a debt, but the debt is not mine. This is just a scheme to collect the debt and they do n't care who they collect it from. I want them to cease and desist contacting me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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: OK

Complaint narrative:
I received a garnishment letter from my job that LVNV is going to garnish me for a bill that is from 2007 or later. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 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: MRS BPO, LLC
State: CA

Complaint narrative:
Upon receiving the right to dispute, I sent a letter certified mail within the 30 day period asking to verify the debt. I received no communication from the company and the debit was added to my credit rating, thus bringing down my credit score.

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 2016-03-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
Creditor is calling my place of employment several times a week sometimes several times in one day and I have asked them to not contact me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 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: GA

Complaint narrative:
I have contacted Fair Collections & Out many times to dispute this account that they are reporting on my credit file. To date, they have not provided me with proof of this account, nor have they responded to the Fraud Affidavit that I submitted to them. They have deliberately violated the FCRA in not responding to my request and in reporting information that do not belong to me.

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 2015-12-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: CA

Complaint narrative:
Trying to collect a debt for XXXX XXXX account which I successfully challenged back in 2013. XXXX attempted to collect a debt but was actually revealed to have over billed me and ended up sending a refund payment of XXXX dollars to me in this matter. This is a bogus debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MN

Complaint narrative:
I received a notice on a debt in the amount of {$82.00} for a XXXX account when I had only been with XXXX for a month prior to getting this collection notice. I called XXXX to verify the amount in question. I was told by them that I am NOT delinquent on my account nor have I ever been delinquent on my account. Further more XXXX did a search using my SSN and again could not find any delinquent accounts or amounts in my name or SSN. Not to mention since we switched over to XXXX two years ago we have paid our account by direct bill pay from our checking account. I have tried calling and talking to this new collection agency to verify this debt and they do n't seem to have any answers to assist me in this matter. I only have gotten that I owe this amount and demand payment. Since my wife and I wanted to refinance our home we received this collection notice. However in dealing with this issue in the past they have now added my wife 's name to the collection notice. However in doing so they have refused to talk to her about this issue. Even though she is listed now on this new collection notice that is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: AL

Complaint narrative:
I have a loan on my credit report that has been sold to AFNI from a company called XXXX XXXX. I contacted AFNI and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
During a recent review of my monthly statement I recognized several unauthorized charges from the XXXX XXXX which were supposedly initiated by my XXXX. I immediately notified Regions Bank of my findings. Because of past experiences regarding a lack of follow through on the bank 's part I declined to initiate a dispute of the charges and instead contacted XXXX myself. I was able to request a refund for all of the purchases. The refunds totalled approximately {$450.00}. I placed a follow up call to Regions requesting a refund for any overdraft fees charged as a result of these unauthorized purchases. I was given a blatant " no '' by both the CSR and her supervisor. I do n't feel that I should be charged overdraft fees for purchases which were refunded especially since I had to pursue the unauthorized charges myself to get any true resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: TX

Complaint narrative:
Debt collector, AFNI, has not provided verified evidentiary proof of indebtness from the original creditor, XXXX XXXX XXXX within 30 days of my original dispute submitted on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 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: AFNI INC.
State: CA

Complaint narrative:
XXXX XXXX sent a report to a debt collector AFNI stating I owed them {$930.00} for service in XXXX Illinois. I had never lived or even been in Illinois in my entire life. They sent me the bill because the person in Illinois used my name and something close to my social security number but not my exact social security number. They transposed two numbers therefore it is not my social security number. This being said I should have never received a bill. Now I have been thru filing identity theft case to the police department sending letters to debt collectors, dish network and credit bureaus. Nothing seems to be done about this incident that should never had happened since the social security numbers does n't much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: MO

Complaint narrative:
I had just bought a house back in XXXX 2015 my mortgage is with XXXX XXXX Co. I was contacted by a Co. called National Bi-weekly Adminstration and was told that their co. was a part of XXXX XXXX and that they could save my thousands on interest payments by making bi-weekly payments my house, payments are due on the first of every month, now they deduct half of the payment every two weeks and the other towards the end of the month but they do n't make the actual payment until sometimes on the XXXX of the month that the payment is due I have been trying to contact this company for the last 2 months to cancel the automatic deductions because they are destroying my credit that has taken me years to build and all I get are recordings and never able to talk to a live person I came across the complaint that was filed against this company and that is why I am trying to contact you today could you PLEASE help me with this I am not sure what to do at this point, because they keep deducting money from my account, I am in the process of alerting my bank to have them stop the deductions at this time, but that process has not been put through yet, this company lied to me about everything its a shame that companies like this cheat honest hard working people again can you PLEASE help me. Thank You Very Much!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: AFNI INC.
State: AL

Complaint narrative:
AFNI Inc. Reported a debt they state I owe to XXXX on my credit and on my fathers credit. 

My father ajd I filed a complaint with the state AG office and in turn XXXX contacted us and we were told by a XXXX representative that neither he nor I owe the debt that AFNi is collecting and that they have no record of a debt in my name or my fathers being sent to AFNI. I filed Bankruptcy in XX/XX/2016 and a debt from XXXX was included in the bankruptcy. Oddly enough AFNI reported this on my credit after i had filed. They also violated my automatic stay by contacting me by mail after i had filed. 
We belive this debt to be fraudulent. As XXXX has no record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC.
State: NJ

Complaint narrative:
XXXX is stating the debt is still showing in my credit history. AFNI stated they have contacted the creditors to have it removed. 

Previous attempt to have it removed Case number : XXXX AFNI said : Explanation of closure On XXXX XXXX, 2016, Afni received tis complaint. This was Afni 's first contact with the consumer. In response, Afni initiated an investigation. On XXXX XXXX, Afni sent another request to the credit reporting agencies to remove the account from the consumer 's credit report. Afni trusts this has resolved the consumer 's concerns. Since the account is no longer in Afni 's office, the consumer should contact XXXX if he would like to discuss the account further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc.
State: NJ

Complaint narrative:
Hi. In the late XXXX of the year 2015, I received a letter from Nationwide Biweekly Administration , Inc. ( NBA ). They offered me a program called 'Interest Minimize '. I agreed to cooperate with NBA and process my mortgage payments thru them. There were XXXX ( XXXX ) electronic charges made by NBA from my checking account ( XXXX XXXX XXXX ) in XXXX and XXXX in the amount of {$1000.00} each. But, there is no money was transferred from NBA to my mortgage company called XXXX XXXX XXXX XXXX. My due date is XXXX/XXXX/2015. Please help! Please let me know which documents need to be provided.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation