vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Good evening, I am a member of Pentagon Federal Credit Union ( PFCU ). I 've been paying my mortgage for the last 8 years at a rate of 6.125 % fixed. I 've been trying to refinance with PFCU since XX/XX/XXXX and my application is rejected every time due to the loss of my home value. I do n't have a XXXX or XXXX XXXX loan so I do n't qualify for other programs. Recently, in XX/XX/XXXX I changed jobs and my income was significantly reduced. In XX/XX/XXXX, I missed XXXX payments ( I pay every two weeks ) for the XXXX time. So now I do n't qualify for the new HARP program. I submitted a hardship application to PFCU ( XXXX in two years ) with all the paperwork required, including my retirement ( TSP and XXXX ) statements, income, expenses, etc. I requested a loan modification to reduce the biweekly payments and/or interest since I am overextended with my bills. The application was rejected again. What really upset me was that their argument is that I should take money out of my retirement account and take the 10 % IRS penalty to pay my mortgage. I was not evaluated based on other eligibility requirements. That may solve one month or maybe two but what about after that? My income is still too low. In a written letter, PFCU says that my best option may be to find more affordable housing. As an alternative to foreclosure, I may be able to sell my home in pre-foreclosure sale or short sale. PFCU also suggested deeding my home to PFCU as another option. I owe a little over {$110000.00}. My home is worth less that {$70000.00} due to the economy and numerous foreclosures in my neighborhood. I live alone and depend on myself only to make a living and pay bills. I feel like my back is against the wall and I 'm being set up for failure not only in the present but in the future. This bank does n't want to work with me. The " Hardship Application '' process is a hoax. It was a waste of my time and they only wanted to know where I could find money and are not trying to lower the interest rate of my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing this complaint about Region bank that place an inaccuracy report on XXXX. When I asked for proof they kept sending information that happen back in XX/XX/XXXX which I had paid the fees, this bank decided to charge me an unnecessary fees total {$110.00}, they never paid any company on my behalf. There was a return check that was not paid. I had send them a letter but have not received any reply from them. I never denied not having an account with regions bank but I am dispute the fees they charge my account and force my account into XXXX. I do n't go aroung writing bad checks, no I owe this bank any money. They falsely charge my account inaccuracy fees. I am fighting for this injustice because I think it wrong for them to place false information on someone 's report. Overdraft fees for {$35.00} when I did not use the service is so dishonesty.

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 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
PenFed ( Pentagon Federal Credit Union ) advertises " XXXX Points '' XXXX mortgage loans. In fact, this advertising is deceptive. PenFed charges " points '' disguised as " Loan Origination Fees ''. The initial ads ( attached ) state that the " XXXX Point '' loan has an APR higher than the stated rate because of " closing costs '' ... which a consumer can interpret as the cost of appraisals, credit checks, filing fees, etc. In fact, the closing costs include a 1 % POINT called " Loan Origination Fee ''. The borrower gets no benefit from this fee. All of the costs associated with closing the loan are billed to the borrower. The APR is in fact NOT increased by closing costs ... it is increased by collecting a POINT. The proof that this is POINT comes when the borrower complains. PenFed offers to waive the " Loan Origination Fee '', if the borrower will accept a rate 1/4 % above the advertised rate. THIS IS EXACTLY WHAT A POINT DOES!! This proves that paying the " Loan Origination Fee '' is in fact paying a POINT. Paying the POINT reduces the interest rate. Therefore, PenFed is either advertising rates that it is n't really offering ( you only get the XXXX point rate by paying a point ... the true ( hidden ) XXXX point rate is 1/4 % higher ) or it is lying when it says that the loan is " XXXX points '' and lying again when they say the APR is linked to closing costs ... they add a point in the Closing Fees disguising it as a " Loan Origination Fee ''.

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 2015-04-08 00:00:00
Product: Other financial service — Check cashing
Issue: Unexpected/Other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I wanted to write and voice a concern involving the banking practices of Regions Bank and possibly others. My mother had surgery on XXXX and spent 14 days in XXXX. During this time her home was broke into and her Television was stolen. Upon returning her to her home she wrote me a check from her Regions back account and asked me to cash the check and go buy her a new television. I pulled up to the drive through and presented the teller with my mother 's regions check and my driver 's license. I was informed that I would be charged {$4.00} since I was not a member plus I would have to come inside. 


My first concern:1. laws, rules/regulations that allow Banks such as Regions to charge a fee to cash a check that their customer wrote is not customer service. This ultimately will result in an increase fee to their members/customers. For example : when an individual pays for services with a Regions check, a non-member will have to charge an extra {$4.00} because it was written from a Regions bank account. if these fees generate XXXX to XXXX revenue per month, putting this fee back on the account holders will result in them finding other banks to conduct their business. 

2. Is This type of business conduct " Bank Bullying '' non-members are being strong armed/forced into opening an account with their bank requiring an minimum deposit or else face a fee. This state needs is tighter control, consistency and continuity across Alabama Banks. This type of fee is unreasonable and unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AFNI INC.
State: CA

Complaint narrative:
As of XXXX XXXX, XXXX, AFNI , Inc has failed to remove their Collection Claim Repor to Credit Reporting Agencies for my disputed and expired XXXX XXXX, XXXX XXXX Bill of {$220.00}. 

AFNI 's Claim ( Account # : XXXX ) expired XXXX under California Statue of Limitations XXXX XXXX & XXXX ( commencement of action within four years upon any contract ) AFNI , Inc 's Debt Verification : XXXX XXXX, XXXX XXXX XXXX Account Number XXXX '' Amount Due '' / " Quick Bill Summay ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 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: NC

Complaint narrative:
Receiving a letter stating I owe a payment for an accident in a truck I did not own and an accident I was not in to the insurance company XXXX. Stating they will submit to DMV and take my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: AFNI INC.
State: WI

Complaint narrative:
After disputing debt through XXXX, account was closed. Then reopened by being transferred to debt collector which was also submitted in court under Bankruptcy. Have not been able to communicate with them to dispute reopened account. Which is inaccurate.

Company response to consumer: Closed
Consumer complaint received 2015-11-10 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: NV

Complaint narrative:
I have been a victim of identity theft since XX/XX/XXXX a person name XXXX and XXXX also stole my identity he has been audited by the tax examiner XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I submitted a complaint previously against Pentagon Federal Credit Union, Case # XXXX, which resulted in a response from XXXX stating that Pentagon Federal Credit Union would reduce the interest in the amount of {$540.00} for 2016. This was in response to my complaint of extra payments not applied toward principal as per my request. I believe that the {$540.00} should have gone into principal and not in a reduction of XXXX XX/XX/XXXX, I received a letter stating that a new escrow analysis revealed a shortage of {$520.00} over 12 months which I paid in order to keep my payment at XXXX. XXXX is not applying payments correctly online as per customer request. I have to call to have them correct it on a consistent basis. I made my XX/XX/XXXX payment {$10.00} over the XXXX XXXX {$950.00} XXXX payment as per XXXX on the letter dated XX/XX/2016. The {$10.00} was not applied toward principal. This is after flagging my account to service it correctly.

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 2016-10-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: Continental Finance Company, LLC
State: PA

Complaint narrative:
The company delivered statements and other communications electronically while my account was open, as agreed. When I closed my account, the company terminated my access to their website but continued delivering statements electronically, which I could not access. A supervisor refused to say whether future communications would be delivered through the mail.

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 2015-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding/Resurgent scheduled a judgement hearing without my knowledge. Additionally have sent it to XXXX different attorneys in XXXX different states. I found out about the judgement through an attorney advertisement stating a judgement has been filed against me. I have asked LVNV to verify/validate this so called debt I owe under the FCRA Laws and LVNV is unable to rightfully validate/verify what this so called amount I owe. Their false reporting and filing of judgements has caused severe hardships for myself and my family. I have asked them to remove from the credit reporting agencies since XXXX XXXX, 2014. They repeatedly send the same nonsense paperwork stating this has been properly validated. They admitted to sending the judgement to a wrong address they had as my address. This is not my debt I have never lived at the address they say. This company should be reported and stopped from harming the United States public. additionally ruining lives and harming families. Also LVNV is in violation as re-aging the account. Not reporting the accounts to the CA 's each CA report shows the account as different types, dates, amounts etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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: DC

Complaint narrative:
Account was settled on XXXX XXXX it was an account from XX/XX/XXXX and Lvnv reported the balance as a geliquent acct opened in XX/XX/XXXX it was reported on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I have a a unverified account from XXXX XXXX RESUGGENT CAPITAL SERVICES # XXXX. I had previously disputed this account. I have never done business with XXXX XXXX RESUGGENT CAPITAL SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX I dispute the validity of the debt purport I owe. I request that PINANACLE LLC/ RESUGGENT CAPITAL SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINANACLE LLC/ RESUGGENT CAPITAL SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I sent XXXX a certified letter on XXXX XXXX, 2016 asking them to provide verification that a debt listed on my credit report is mine ( signature, etc. ) The company responded by writing that the loan had been transferred to another company. They did not provide proof of debt ( signature or otherwise and kept reporting on my credit reports. After the 30 day time limit passed, I sent another certified letter on XXXX XXXX, 2016 and requested that the item be removed from my report because they failed to provide proof within the 30 days which the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: American Student Assistance
State: PA

Complaint narrative:
I had defaulted on a FFEL Consolidated loan in XX/XX/XXXX. The loan was then turned over to a collection agency. I have been on a payment plan with this collection agency for 21 years, and I have not missed an agreed upon amount payment, but my loan is still showing to be in default status. 
In XX/XX/XXXX I received a letter stating " Congratulations, you are only two more on time payments away from qualifying for student loan rehabilitation ... Once your loan is sold, your default will be over ... '' Why only two more on time payments? I just made over XXXX on time payments ... why now? why was n't I offered a rehabilitation 15 years ago? If I was, this loan would have been paid off and I would n't be having a balance of the following : As of XX/XX/XXXX : ( 22 years after going into default ) Accrued charges = {$97000.00} Applied to interest = {$75000.00} Applied to collection costs = {$21000.00} Misc fees = {$470.00} Applied to principle = {$0.00} Payments = {$84000.00} Beginning balance = {$38000.00} Ending balance = {$52000.00} Is it the collection agency or loan holder 's due diligence to collect on a loan and not drag it out? A loan of {$38000.00} and a repayment plan totaling {$130000.00} ... is that legal? 
A mark up of over 350 % on a Federal Student Loan? When I was making a payment every month for over 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
The Federal Gov. in XXXX convicted XXXX XXXX with payday loans.I have a payday loan. Never knew charged over 134 % payback on $ XXXX.Taking it out of my bank.If you miss a payment charged $ 180.00.Names are QC Financial/Payday, Quick Cash, and XXXX of XXXX XXXX XXXX XXXX XXXX KS. XXXX.All was done over a phone.13 month loan.is XXXX.I never had no idea about this, XXXX 2015 they take XXXX out of my bank.I need help.They threatened me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
I have power or attorney for my ill father. I contacted XXXX/CONTFIN by phone at ( XXXX ) XXXX to inform XXXX/CONTFIN that the alleged account # XXXX opened up on XXXX/XXXX/XXXX for {$500.00} could not be owed by my father ( XXXX XXXX ) as they have reported on his credit report because on XXXX, XXXX XXXX was in the XXXX and XXXX with a condition that left him XXXX. Therefore, this account had been fraudulently opened and fraudulently reported by XXXX/CONTFIN to the XXXX, XXXX, and or other credit agencies. 
On XXXX/XXXX/XXXX, I called XXXX/CONFIN and spoke with to XXXX, who informed me he could not give any information unless a Power of Attorney was mailed to XXXX, DE XXXX. I told him I mailed it around XXXX/XXXX/XXXX. XXXX then said give it 10 days. I said ok. I called again on XXXX/XXXX/XXXX and spoke with a female associate who 's name stared with a XXXX. 
At this point I was informed she does not know whether they received a power of attorney form and the debt had been sold to XXXX XXXX XXXX. I said so now I have to mail the power of attorney to them. She placed me on hold and came back and said she does not know whether they received the power or attorney but she could not tell me anything. I ended the call. 
My problem is that I sent them a Power of Attorney that is not being acknowledged. My original letter to them was sent with the power of attorney requesting they prove the debt is owed by mailing to me the signed application by my father, any statements sent to my fathers home address. I have had power of attorney since XXXX for my father and has never received any statements at his home address of almost 40 years from this company. 
This is the information I needed to have them correct his credit report they damaged by placing false information to the credit agencies. 
I want XXXX/CONFIN as a resolution to submit to me proof that the debt is owed, showing the original application signed by XXXX XXXX my father and any statements sent to his home address. When XXXX/CONFIN finds my father did not sign these documents or open this account to remove all negative credit information from all credit agencies including XXXX, XXXX, and other agencies

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 2016-09-30 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: CA

Complaint narrative:
A little less then 6 years ago I lived in XXXX in XXXX XXXX, ca with my roommate XXXX XXXX. When we moved out he gave them his mail forwarding address and I did n't have one at the time. We left them our {$700.00} deposit. After couple of months I received a phone call from FCO stating that me and guy owe {$590.00}. I explained them I have n't received any bills or phone calls from them and I 'm willing to pay my half and they can collect the other half from guy. They promised me that if I pay my half they wo n't report it to the credit bearus. After couple of months I saw that they did report it to my credit bearus as " settlement amount paid less then amount owed ''. If I would 've known I would 've paid them the other half too just so it wo n't be on my report. I called then and send them over 10 letters and offered to pay the other half but they 've been nothing but rude stating " it is what it is deal with it ''. Very very rude customer service they treat you like you 're a criminal.

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 2015-06-18 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: MD

Complaint narrative:
I keep keep receiving phone calls from a company that says I owe {$1200.00} from a payday loan in 2011. I keep getting harassed saying if I do n't pay the money, I will go to jail.

Company response to consumer: Closed with explanation