vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I have been divorced for over 15 years, and a judgement was obtained in my married name ( I changed my name to my maiden name when I divorced ) and communication was going to an address that I no longer lived at. Needless to say I did not contest the debt prior to the judgement due to not being aware. 
The debt was from prior to XXXX, and on XXXX/XXXX/XXXX a third party collection firm filed a judgement against me. They obtained an order to garnish in XXXX of XXXX. 
The garnishment over collected in the amount of XXXX, and I was issued a partial reimbursement in the amount of XXXX. The third party collector remitted the reimbursement to my former name, which I have not used in 15 years, and additionally I have not been issued a reimbursement for the remaining XXXX to date. Even depostiing the check will present as an issue as I do not have any accounts or ID in that past name. It was changed by court order, which I told the third party collection agency and law firm over and over. 
When I attempted to obtain a verification of debt, the only thing provided to me was the judgement, not anything from the original creditor. I attempted to confirm that this was in fact my debt, and all I ever received was a copy of the judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
On XXXX/XXXX/16 my checking account at First National Bank of Pennsylvania had a total of XXXX unauthorized debit card charges totaling {$360.00}. I repeatedly tried contacting the bank until finally getting a response and then cancelling my card with an investigation being launched. Consequently, on XXXX/XXXX/16 my account was charged an additional {$34.00} for an overdraft due to the unauthorized charges. I 've repeatedly left messages for the manager at the XXXX XXXX branch to contact me with no response. This all took place after a total of {$100.00} in unwarranted overdraft charges were levied on my account the week prior ... XXXX and XXXX/XXXX/16. Please request an investigation into these charges on my behalf and a proper resolution. 

Thank you

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 2015-07-17 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 a credit balance of {$740.00} currently reflected on my credit reports. 

On XXXX XXXX, 2014, I spoke to XXXX, Employee # XXXX at XXXX XXXX Bank ( now sold to Collection Agency LVNV Funding ) and PAID my account IN FULL in the amount of {$440.00} Confirmation # XXXX. I even overpaid and received a refund check. 

Upon speaking to XXXX, Employee # XXXX, on behalf of XXXX XXXX Bank, the following terms were agreed upon : XXXX XXXX Bank would debit my account {$440.00} on XXXX/XXXX/14. 
XXXX XXXX Bank would ZERO the balance on my account upon receipt of funds. 
XXXX XXXX Bank would provide me with a REFUND check which was received. 
XXXX XXXX Bank would notify all XXXX credit bureaus that my balance is zero and the account is CLOSED. 

Again, my account was debited {$440.00} on XXXX/XXXX/14 Confirmation # XXXX and I received the refund check for the overpayment of {$100.00}. However, my account was NOT reported to the XXXX major credit bureaus as CLOSED and with a ZERO balance. In fact, it was turned over to Collections LVNV Funding LLC in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
have no idea what this collection attempt is for but they keep contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
that this company has continual put this debt on my credit report witch i do not owe them that they have reported wrong dates and information that it is out of date and i have no debt with them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 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: MRS BPO, LLC
State: NC

Complaint narrative:
I did n't receive a XXXX Notice which is required by law prior to collection a debt. The debt has been paid in full. It should have never been reported. I take care of my financial matters and would have never ignored a XXXX Notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: FL

Complaint narrative:
Continue to get call regarding a payday loan debt which I never took out. They continue to harass despite a request for a validation of debt. They also have started calling my family

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ALLOCATED BUSINESS MANAGEMENT LLC
State: IL

Complaint narrative:
The bill collector originally called my father and the message was passed on to me that this person keeps calling even after my father communicated that it was wrong number. 

I called office and someone just answered with " hello. '' I had communicated that someone was trying to call me and that I did n't know where I was calling. The female then transferred my call to the collector. 

I gave the gentleman my name and told him that they needed to remove my dad 's number from their system. He then cut me off and asked if my dad 's name was XXXX. I did n't want to give my dad 's info so I did n't answer and told him to take out number. The collector then said " Your father said he did n't even know you, just thought you should know that. '' I was taken back and asked what the point of his statement was and he just said " well, just thought you 'd like to know that he said that. '' Then he asked me if I remember seeing a Doctor back in 2015. I said, " I saw a lot of doctors. '' Then, without even verifying any more info, he completely disclosed what the bill was, who it was for and asked how I wanted to pay it. I said " Yo 're not even going to verify last 4 of my social? '' He then replied " you already verified yourself as XXXX but I have the full thing in front of my face '' " Last four XXXX and then gave me my birthday ... Then asked again, how I wanted to pay the bill or was I refusing to pay. I explained that he did n't give mini miranda or call disclosure and did n't properly verify my info. He laughed and asked if wanted to complain to a manager. I agreed and spoke to manager. Again, without disclosing who I was, he tried to get me to pay my bill. They did n't verify anything or disclose anything.

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 2015-08-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX ( Original Creditor is : Tribute ). After several failed attempts to contact XXXX XXXX XXXX XXXX by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did XXXX XXXX XXXX XXXX never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that XXXX XXXX XXXX XXXX is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on Tribute statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time XXXX XXXX XXXX XXXX increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.

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
Consumer complaint received 2015-05-01 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: AR

Complaint narrative:
lvnv funding llc is reporting on my credit reports that I owe a debt of {$130.00} opened on XXXX XXXX XXXX.i believe this debt is not mine and they should be taken off my report immediately.i have sent a verification of debt letter and have waited patiently for a response and still have not received anything.I have tried calling and got nowhere.original creditor on report says XXXX XXXX XXXX XXXX XXXX I have no idea what that is. I HAVE TRIED CALLING AND WRITING lvnv funding several times I have tried looking up address 's and there are several in several different statesthese are some addresses I have triedLVNV FUNDING LLCP.O BOX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LVNV Funding LLCP.O. Box XXXX XXXX, XXXX XXXX LVNV Funding, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX have also read on internet and several forums that lvnv llc is the same as ressurgence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
XXXX XXXX I discovered that I was a victim of identity fraud when a former girlfriend co-signed my name on a lease for an apartment, resulting in my name being submitted in collections owing over {$3000.00} from XXXX. This was also submitted onto my credit report. FCO, the collection agency has attempted to collect this false debt from me last summer. Shortly after discovering this, I disputed this along with submission of an affidavit with all relevant & requested paperwork with proof of identity & my residency at the time of incidence that this debt was not mine and that I was a victim of fraud. I mailed it via XXXX and per tracking, it was delivered to FCO on XXXX/XXXX/XXXX at XXXX. The fraud report was also submitted on https : //www.identitytheft.gov/ as well as disputed on my credit report ; however, due to FCO handling this XXXX the other XXXX disputes were not submitted. A couple weeks after the affidavit submission, I began calling FCO to follow-up on my case. Every person I spoke with was extremely difficult to communicate with, no one was straightforward. They all simply beat around the bush, kept putting me on hold and I got absolutely nowhere. Furthermore, no one could confirm nor deny that my affidavit was received, despite the delivery confirmation. I called back about XXXX2 weeks later and same story, same bush. I then told them to call me once something comes up. It is now XXXX and I just received a new invoice from FCO, yet again, attempting to collect the debt. I simply can not deal with calling this terrible thick-headed company again, as no one can help me. They ignore my submissions and only submit theirs. This is a false debt, it is not mine.

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 2017-03-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: American Credit Resolution, Incorporated
State: NY

Complaint narrative:
I am writing this due to Illegal Activity done by American Credit Resolution , Inc. This activity started on Thursday XXXX XXXX 2017. My husband and I have XXXX recordings of threats that I will be served and arrested along with several other FDCPA violations. This also includes speaking and providing and disclosing personal information which include my personal email address, my SSN and DOB, with people without verifying whom they are speaking with. They have also called my in laws and disclosed personal information to them. They have also sent out this information to the email address XXXXXXXXXXXX without verifying that it belongs to me or my husband. I have detailed 4 of the calls that have been recorded with the violations that my husband has found since he was the corporate trainer for XXXX. The reason I am reporting this because I would like to give the company to correct their actions and give them a chance before I hand these recordings to a consumer law attorney for review. I will like to settle this account out for {$300.00} with the debt being taken off of my credit report. I would also like an apology from the company apologizing for their wrong doing. At no time did they state they were debt collectors and that any and all information would be used for that purpose. I will pay the {$300.00} with a debit card to settle the account out and I will like to have a PIF letter within 24hours emailed to me and a hard copy sent in the mail. We have requested several times for a Full detailed validation of debt by mail including the invoices of the transactions. ACR Inc has failed to provide this each time. There are so many violations of the FDCPA in each call. We have received several calls a day form ACR in the hours that we stated we could not receive calls. Also we have been texted several times from ACR stated our payment was declined and did n't go through when no payment was ever set up. I want to make sure that the collection agency is aware of this and hopefully they can provide better training in the FDCPA. These agents in the phone calls are why they collection industry have a bad rapport.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions Financial opened a savings account and credit card account without my authorization. After seeing what XXXX did to their clients I personally wanted to ensure they get investigated as well as I contacted them and they could not understand why the teller opened the account.

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 2015-10-08 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
I went into First Republic Bank in downtown XXXX XXXX on XXXX/XXXX/15 at XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX. I went into the bank to cash a legal settlement check in the amount of XXXX. The gentleman that I spoke with was a XXXX man with XXXX hair who sat XXXX or XXXX desks in from the front door told me that they could n't cash my check. They only had XXXX or XXXX XXXX dollars at most. When I inquired about why they did n't he said they did n't keep that much cash. He said they just did n't which I think is total XXXX Further there was no policy or anything posted at the bank that states they have a limited amount of cash on hand or on their website that says that requests for large amounts need to be handled in a " x amount of time '' There is no question about whether or not the funds were available for this check. It was placed in a client trust account -- legally no check can be issued from these accounts until the funds have been verified. So I am curious about why this person encouraged me to cash a check at my bank that I knew would be put on hold again at my bank because now they need to wait for it to clear from this bank instead of this bank providing me with the cash that I requested from a check drawn on their bank from a client trust account. Was it racism? Is it misplaced policy? Why allow someone to write a check in that amount if you are n't legally willing to honor the instrument person. I would like to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: American Credit Resolution, Incorporated
State: IA

Complaint narrative:
I was contacted on Monday, XXXX XXXX with a voicemail from a XXXX XXXX, claiming to be a legal carrier and that I was scheduled to be served Tuesday, XXXX XXXX, either at home or at work. He provided a phone number to contact the creditor directly at XXXX, case file # XXXX. 
I spoke to a man who was trying to collect a debt from XXXX. I did n't know if this company was legitimate or not because I was in my car and could n't look up the company. The debt is legitimate so I signed up for payments to pay off this debt. He was adamant that I needed to sign a release of funds from my credit union in order to charge my debit card. I had not faxed the form as of yet but I did receive a declined message in my email. First, I wanted my card to be charged every other Friday starting on the XXXX of this month. What I need to know is if this company is real, can they threaten to take legal action and can they take funds from my account without signing their document? 
I spoke with my representative today and he stated the opposite of what he told me on Tuesday. He said the email and release was for my records. I told him that it did n't make sense because he was adamant that I had to physically sign and not electronically sign the release. He stated in the second call, that I did need to sign the form in order to get my paper stating my account had been paid in full, otherwise, I would not receive this letter. 
I told him that did n't make sense because if its paid off, it 's paid off and again, he said I needed to fax it in. Then he told me he sent me a physical copy and that I could sign it and mail it back to him. I did contact my credit union and they said I could n't do anything at this point ; however, I can block this company from charging my card ; however, I 'm scared not too because I do n't want any legal actions taken against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: AFNI INC.
State: IA

Complaint narrative:
I was a customer of XXXX and when I canceled I completed my agreement by returning all equipment to XXXX as agreed. I have now found that I have a small collection account on my credit report that the folks at AFNI have not been able to provide me with debt verification on. I have spoken to them, they are cordial but unwilling to verify and allow me to correct by paying and removing the collection or simply removing the account as it is not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 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: EOS Holdings, Inc.
State: NC

Complaint narrative:
I paid off my XXXX communications bill on XXXX XXXX, XXXX, and I received a collection notice on XXXX XXXX, XXXX. I contacted the bill collector, who indicated that they had no record of payment, and then I contacted XXXX, who had no record of payment. I researched my XXXX XXXX XXXX bank statements and found a record of an electronic payment for the exact amount due. These harassment tactics are oppressive.

Company response to consumer: Closed with explanation