vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
This company submitted a fault reply to CFPB when they addressed my concern I had always paid them within the 15 day grace period and they still reported to the various credit companies that I was late. Please see the attached exhibit A

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am a home owner in the state of Massachusetts. I have fallen under a financial hardship ; I been trying to work with my bank and provided them with everything they have asked for but One West Bank is refusing to assist me and this situation is putting my family and I under an amazing stress same as they did in the past. In XXXX I applied and was found eligible for a HAMP modification trial plan. I was instructed to make XXXX trial payment on time to then be place on a permanent modification ; I made over XXXX payments towrd such offered mod but I was never permanently modified, as continued making the payment then the bank stopped taking my payments and denied my modification for an invalid reason of missing income documents after I had been informed the bank had received all documentation requested and the bank violated the agreement as after XXXX trial payments I was to be permanently modified. On or about XXXX XXXX I re-applied for a HAMP, the bank acknowledged receiving all documentation requested but are denying me for HAMP stating that I failed in XXXX that is inaccurate as mentioned above I made over XXXX trial payment but was never modified. I am requesting your office to look into One West Bank behavior and review in my case

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I have been taken to court ( 3 appearances since XXXX XXXX ) by XXXX XXXX XXXX XXXX on behalf of a Tribute Mastercard. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: OPES ADVISORS, INC.
State: CA

Complaint narrative:
Hi, We considered we have been misled by Opes Advisors regarding the closing costs of our mortgage. 

Our project was to purchase a home for {>= $1,000,000}, with a loan of {$810000.00} and a down payment of {$200000.00}. 

In our original estimate ( attachment " LoanEstimate.pdf '' ), we have a line of Closing Costs of {$40000.00}, but with also credit lines ( " Seller Credits '' and " Adjustments and Other Credits '' ) for {$17000.00} + {$1300.00}. At the end, our cash to close is {$220000.00}, including the down payment. We were told it was a conservative estimate and we would pay probably less. 

But at the end, when we have signed with the notary, our cash to close was {$220000.00} ( attachment " ClosingStatement.pdf '' ). Without the {$200000.00} down payment, this final costs represents 14 % more than what was planned ( {$24000.00} vs {$21000.00} )! 

What I understand it that they have decreased what the " Closing Costs '' line, but in the same time, the credits lines have been changed into debits : in the latest Closing Disclosures ( attachment " ClosingDisclosures.pdf '' ), the " Seller Credits '' was {$0.00} and " Adjustments and Other Credits '' was {$1200.00} of debit ( compared to {$17000.00} + {$1300.00} of credits ). 

I have discovered the issue some days before signing with the notary, when they have sent the closing disclosures. I 've notified them and they said they would correct the documents, that there was a mistake and everything would be as in the original estimate for the day I should sign. But they did not want to send me anything before. 

Nothing was corrected the day we had to sign. Since we were 3 weeks late ( because they did another huge mistake during the approval, that they have acknowledged ), I was not able to postpone the signing or we would have lost the house. 

Afterwards, I have asked explanations, but they have started to provide confused explanations, with wrong numbers. Then my mortgage advisor has left the company. And now the " Managing Director '' has stopped answering me as soon as I have spot this issue with credits ( it 's been 11 days now I do n't have any answer from them ). 

I have everything on emails, I only attached the last thread ( attachment " last-email.pdf '' ). 

My point is they have probably made me paid some additional costs that they have tried to hide with these false credit lines. 

By the way : the tax property had also been estimated to 1.25 % in our monthly payments. Again they said it was a conservative estimate. But when signing, the notary told us it should be closer to 1.50 %! We will have to pay ~ $ XXXX/year in addition to the " conservative '' estimate. 

So I strongly suspect them to having misled us and made us pay hidden costs. 

Thank you

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 2016-09-22 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:
I am disputing the referenced account on my credit report, highlighted in yellow attached. I am a US Veteran and my wife and I are in the process of purchasing a home. My wife is XXXX and we need a home to bring our son home to, I am trying to utilize the VA Loan and I paid off a debt to LNVN Funding , LLC, proof attached, in an effort to bring my credit score up to the required XXXX. I was instructed by the company to contact your establishment to assist me in removing the debt from my credit report in an effort to raise my credit score. I have attached proof that the debt was settled and paid in full with no further obligations from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AP

Complaint narrative:
The last apartment complex I lived in ( XXXX, VA ) sent me charges for unpaid rent, water and sewer, damaged blind, damaged carpet and late fees. This charges I disagreed with and asked them to substantiate it but was rather sent to a collection agency. I paid my bills on time or early each and every month for the 4years that I lived there and was never once late especially for an apartment complex that has no grace period and all rent/bills has to be paid by the XXXX of each month or risk paying late fees. My credit is now destroyed and its all base on falsified charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
I have made timely monthly payments to First National Bank ( FNB ) on my land mortgage for more than three years. It is an interest only loan whose term expired at the end of XX/XX/XXXX. I have been unable to refinance this loan because FNB recorded a late payment on my credit report in XX/XX/XXXX and XX/XX/XXXX despite receiving payments. Two FNB loan officers at different locations have attempted to refinance the loan but failed because of the FNB entry on my credit report. Three other lending institutions denied my loan applications for the same reason. FNB failed to respond to all attempts I have made to resolve the issue but continue to accept my monthly payments and also added a " late payment '' penalty of {$7500.00} to my balance. Now, FNB has referred my account to a debt collector who is threatening to foreclose on my property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Real Time Group, Inc.
State: AL

Complaint narrative:
During my period of unemployment I defaulted on my XXXX Student Loan. I entered into a loan rehabilitation program with a verified collections agency with XXXX. I was contact will paying the verified agency by another agency called Real Time Resolutions. While not important my loan is out of default. I have contacted the XXXX regarding the negative reporting by Real Time Resolution in the amount of {$1.00}, XXXX when my loan was no longer in default and had been rehabilitated through an agency they verified. I was informed today XXXX XXXX, 2016 by XXXX, in customer service ( XXXX XXXX ) that Real Time Resolutions is not a recognized as an agency working with XXXX. This company has fraudulently report that I owe them an unpaid balance when I never had an account with them nor did they have the right to attempt to collect on behalf of the XXXX for my defaulted XXXX Student Loan. I am working to restore my credit from my period of unemployment and here this company is reporting fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Astra Business Services
State: FL

Complaint narrative:
I received a phone call from XXXX and answered the phone. After several greetings, no one responded at all, and I hung up the phone. I XXXX searched the phone number and found that it belongs to : Astra Business Services website - www.astraglobal.com It appears to be a collection agency. Concerned and not knowing of any debts whatsoever, I called the number back. The automated answer states that it 's Astra Business Services and, " this is an attempt to collect a debt. '' When I wait to speak to someone, I am hung up on every single time they answer. I called back 5 times. On the fifth time, someone actually answered and said, " Yeah what? How can I help you? '' As soon as I started to speak the person hung up on me again. 

I suspect that this number may be related to a scamming of some sort. I can not think of any other reason why they wo n't talk to me. Now I 'm concerned if I should pull my credit to see if there 's some debt I 'm unaware of, but that could be a complete waste because I 'm actually being harassed.

Company response to consumer: Closed
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Atlanticus Services Corporation
State: NH

Complaint narrative:
I was contacted by a lawyers office that gave me the last XXXX digits to an account, I do n't recall having back in 2008. The lawyer stated they were coming to my job to serve me papers, but could not give me a phone number for the company that hired them. I ca n't seem to locate any legitimate way of contacting Imagine XXXX XXXX. I have searched for the website myimaginecard.com as well as a phone number to contact these people. I was also told by the legal office that the Debt collector contacted me via postal mail at my address, and they did not receive a response. No mail or correspondence of that sort has been delivered here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Utah System of Higher Education
State: VA

Complaint narrative:
My loan was recently transferred from XXXX XXXX to XXXX. I was never notified about the transfer in writing, I only found out when I tried to log into my XXXX online account to make a payment on my loan. This gave me a message that the loan was transferred, and I would need to go to uheaa.org. I created an account on XXXX, but my loan does not show up. My loan due date is approaching, and the only advice I received from XXXX customer service was to wait a few days since they were still transferring accounts. This process has been completely unprofessional and disorganized, I have yet to receive anything in writing explaining the transfer, and only verbal confirmation that I will not be penalized since I have no way to pay my monthly bill until they complete the transfer.

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 2016-10-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
When I moved since I 'm XXXX and could n't take care of myself XXXX got it to where I could move out early I lost my pay and would n't be able to pay then after I move a year later they change mind and want all this money

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 2016-10-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My client was forced to move to a higher level of healthcare and has a reverse mortgage on her home. We requested the servicer allow her to short sell since the home value is less than owed. We have been working on this case since XXXX of 2016. The servicer uses every excuse to avoid the review and after providing all they ask they continue to delay the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
I closed out the account back in XXXX 2015 and have since then requested to receive paper statements until account is fully paid in full. Every time I contact the company to inquire about statements or make a payment I am assured that a request is being placed and I should receive within a few weeks. I have been making payments as required by the due date but still have not received any statements and do not know what I am being charged. I am still being charged a maintenance fee and I do n't know why when I am not utilizing the card. Of course, I am also being charged for finance charges. This company is preying on individuals claiming to assist in helping build credit when it makes it worse on those individuals who are struggling.When I call and the about the statements, I am told that I signed up for e-statements and that is causing me to not be able to receive paper statements. I believe someone in IT or with the proper authority should be able to override the system. 

I would not recommend this company to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc.
State: TN

Complaint narrative:
2006 my home was foreclosed on the original mortgage holders were XXXX and XXXX who both have since removed the old accounts from my credit report. I just recently noticed that Real time solutions has recently started affecting my credit score because they purchased the debt from XXXX that was not paid by the foreclosure they show the account on my report as being active and past due and recently changed something on the status to affect my credit. This company refuses to remove the account even though the original creditors for this debt have done so and it is outside of the 10yr time frame that allows them to report this debt, realtime shows this account as active and when they purchased it it was shown as closed or forclosed. Please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX on finance a XXXX XX/XX/XXXX XXXX with pentagon credit union which my father is the cosigner. His name is XXXX The pentagon Credit union has only report to the credit Bureau that only made XXXX payments. the reported the first XXXX payments only. So from XX/XX/XXXX to XX/XX/XXXX they have not reported no information to any credit Bureau affecting and damaging my credit and father Credit payment history determines 35 % of a FICO Score. You have no just cause damage mine but also to my father XXXX. If this matter is not resolved and we are not considering the right interest rate for the mistake that the Penfed has made for inaccurate information. This has caused us XXXX damages, higher insurance premiums, Damages for emotional distress, humiliation ; indignation, and pain and suffering

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 non-monetary relief
Consumer complaint received 2016-11-14 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: NV

Complaint narrative:
This is not mine, I called XXXX and notified them. I never lived at the address the account was opened. I 'm sure it was one of my sons but this debt is NOT mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 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: SC

Complaint narrative:
Reporting on my credit reports and they have removed the account and then added it back a few weeks later. They have been unable to verify any information. They agree to delete and then I see they put it on there again. And I dispute again and again ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Weinstein & Riley, P.S.
State: TX

Complaint narrative:
I have never had a business relationship with the creditor. Collector filed a law suit, for which I did not receive written notifications to appear in court to defend myself. The collector sent notifications to a previous address I no longer have access to and compromised my privacy. The collector obtained a court order to freeze my bank accounts by misrepresenting the facts. The lack of access to my bank accounts has created a hardship causing me to default on my daily commitments ; both personal and in my business due to lack of access to my bank accounts. This type of harrasment has created excessive stress and has disrupted my job, which is the only way I have to support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 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:
When I opened an account with Regions Bank the put me in an " opt In '' status without asking me. Opt in means that the keep paying your debit charges even though you have no overdraft protection. As with a normal debit card it will refuse the charge if there re insufficient funds, they call this " opt out '' which should be the default like all debit cards. Now I have accumulated XXXX in NSF charges. They did not give me a choice as to " opt in '' or " opt out ''. why would anyone chose to pay a XXXX overdraft fee for a XXXX debt charge. They are a rip off.

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 2016-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I have had this company call me numerous times. I have told them over and over that I can not pay right now. I have XXXX kids and I can not add another monthly payment to my bills. I have been doing credit counseling and have started paying my debts XXXX by XXXX. 

Today XXXX XXXX I received a call from EOS CCA for an old XXXX account. I have to make sure the amount is correct with XXXX XXXX XXXX since I have been reading about a lot of scamming from this company. 

The person on the phone said I needed to make payment arrangements. I told them I could not at this time. Supervisor gets on the phone and tells me that he knows I have kids and a job so I should be paying my bill. I told him I am saving up for something more important at this time and it would have to wait. He says what could be more important and I said marrying my wife. 
And he asked me numerous times how I am paying for my wedding and that my debt is more important. 
Examples being " How are you paying for that? '' I find that very offensive and harassing. 

I am highly upset. I do n't feel it is right for them to ask me how im paying for my bills and how im taking care of my family. 

I have been working on my credit. My whole tax return goes to debt every year. Im trying to raise my credit. 
I do not want to deal with these rude people. This is insane to me to be spoken to by a debt collector in such manner. This is not the only debt I have. I went from XXXX on my credit report to XXXX so I am working on it. I do n't appreciate this kind of harassment. This has made me extremely upset and angry.

Company response to consumer: Closed with explanation