vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
I signed up for a checking account during a Discover Bank Checking promotion where they offered a {$300.00} Bonus when you open a Free CashBack Checking account with direct deposit. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/2015-XX/XX/2015 using offer code XXXX ; I opened my checking account on XXXX/XXXX/15. 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. I had XXXX direct deposit payments completed with {$250.00} on XXXX/XXXX/15 and XXXX/XXXX/15. This falls within the time period of 90 days since the opening of the account. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Today 's date is XXXX/XXXX/15 and it has been more than 30 days since the requirements have been met.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: ND

Complaint narrative:
For the past 3 months, I have been applying credit card from different banks and they all denied it. I signed up at credit karma to check my credit scored and I find out someone had used my social security to signed up credit card at Discover Bank. I called the bank to report the issue, they told me they will mailed me a report letter for me to sign and mail it back to them so that they can start their investigation. It 's been like 3 months now, no letter and I kept on calling them but they always tell me, they will mail it to me within a month but have n't received anything yet. The worst part is because they have my number now, they called me to inform me that I had taken credit card from them since XXXX XXXX, 2014 and I have n't made any payment yet. I want you to help me talk to them and resolve the issue so that, that thing will waive off from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
The client in this case remitted funds to his loan servicing company to reinstate his loan. The client relied on a letter from the servicing company which provide the total amount due to bring the loan current was {$44000.00}. The letter specifically stated that " This amount includes all past due payment of interest, principal and escrow as well as late charges and amount that we paid on your behalf. The letter is dated XXXX/XXXX/2016 and further stated that " in order to avoid foreclosure the client would need to pay {$44000.00} '' within thirty ( 30 ) days. The client remitted funds in the amount of {$47000.00} on XXXX XXXX, 2016 via certified mail. The tracking number associated with the remittance USPS ( XXXX ) confirmed that the servicer received these funds on XXXX/XXXX/2016. The client had requested a demand statement be provide by email but the servicer decline his request and no demand statement was issued regular mail. Later the servicer failed to honor the total amount due listed on the XXXX/XXXX/2016 letter, and is now demanding additional costs and fees and a total amount due of {$51000.00}. The servicer scheduled a Foreclosure Sale XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX XXXX XXXX called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I discovered after closing my business that an employee had applied for a Discover Card in my name. After multiple attempts with certified letters requesting proof of my signature and debt validation I never received proof. Finally, after XXXX years the derogatory information falls off my credit report. On year XXXX Discover filed a 1099, as you know this is a fraudulent filing, but the IRS does not know it is, and I have the IRS coming after me for thousands I do not owe. 
I have a statement showing the charge off in XXXX. I need Discover to cancel the 1099 asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: MORTGAGE LENDERS OF AMERICA
State: FL

Complaint narrative:
We are selling our home, and received an offer on XX/XX/2016 from a buyer, which was pre-approved by Mortgage Lenders of America and we accepted. The original close date was XX/XX/2016, and a week into the contract the buyer 's agent contacted our agent asking if we could close early on XX/XX/2016, that the buyers financing was already in underwriting. Again we accepted and after we had already vacated the home, on XX/XX/2016 less than 48 hours before we were scheduled to close the finance company asked for an extension on closing to the original date. I talked to the lending company with my realtor, who both confirmed to me that the buyer would be getting approved, that they only needed one more form completed before they could do so. They also were adamant that it was not the buyers fault for the delay. We checked back daily and were told the same thing. Then on XX/XX/2016 we received the denial of financing and cancellation from the buyer. The reason we were given was the buyer 's credit was poor. After further digging our realtor found out that the lender did not run the buyer 's credit until after we had already accepted the offer and moved out. XXXX XXXX, our Real Estate company has told us that the buyer should have never been given a pre-approval letter in the first place. We are now moved out of our house, and unable to close. We have also put all of our belongings in storage, and are staying with in-laws, and still paying for a home we no longer occupy. The home we were planning on moving into, and have put money down on, and also are under contract on is at risk of being defaulted on as we no longer have a buyer for our home. This has put me and my family in a horrible position both XXXX and financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Executive Acquisitions Group, LLC
State: TN

Complaint narrative:
I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone 7 times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( XXXX @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. Executive Acquisition Group, LLC.XXXX XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXXXXXX XXXX XXXX. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NJ

Complaint narrative:
I continue to get an email from XXXX about a warrent for my arrest and seizing my bank acct. I have email back several times for them to Mail the information to my house because Ive contact the PayDay loan company XXXX that I did borrow money from and they have refused to mail me anything but continue to harras me through email. They say they are XXXX.online XXXX related company. When I speak to them they want me to buy a prepaid card to make the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: RFNA, LP
State: LA

Complaint narrative:
I had a loan with Republic Finance LLC whereas I owed {$3000.00} from XXXX/XXXX/XXXX to XXXX XXXX. The loan was for two years. In XXXX XXXX there was a hurricane and I asked the company could I delay paying them until XXXX and they said yes. I had been paying them and if I ran into a problem, I would call them. They put me delinquent on XXXX/XXXX/XXXX where as Republic agreed that I would pay them in XXXX XXXX, but on the credit report they stated the first delinquency was XXXX not XXXX. Tried to file a Judgment against me. I had called them prior to issuing the Judgment and told them that I was going to pay them off in XXXX XXXX. They said okay. They filed a lawsuit for a Judgment on XXXX XXXX, XXXX but the Judgment did not go through because I answered them and said I was going to pay the loan off. They sent to the credit bureau that I was in collection and was never in collection, that I was {$540.00} past due and I was not. Put down I had XXXX 30 days late and XXXX 60 days late to ruin my credit even though I paid them {$1400.00} in XXXX XXXX. They filed against me and my husband because we had a house. After explain the situation in an Answer, the Judgment was not file but tried to make me pay a collection which did not happen. I told them that I was going to pay them off in XXXX XXXX. They wanted a Judgment and since the Judgement did not happen, they put down I was in collection from XXXX through XXXX XXXX. This was Republic Finance LLC, XXXX XXXX, Manager but they moved from the address. The address of the home office of Republic Finance is XXXX LA XXXX. XXXX number XXXX. The account # XXXX. They have ruined my credit when I paid them off eight months before. Republic put down that I had 30 days past due on XXXX, XXXX, and XXXX and 60 days past due on XXXX, XXXX and XXXX and collections for XXXX, XXXX and XXXX. Never received anything but the Judgment they tried to do. This was done to put a lien against my home. Did not try to work it out. The loan was {$120.00} a month. When I did not pay on the due date, I paid the {$10.00} late charge. Sent me a letter on XXXX/XXXX/XXXX and filed lawsuit on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, told them I was going to pay them off in XXXX. On XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX and on XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, therefore, I could not have the 30 days past due or the 60 day as stated by Republic. They told the credit bureau that I paid off the collection which was never in collection. This company did not care that I was going to pay off this loan and deliberately put incorrect information in the credit bureau to ruin my credit. Companies like Republic Finance , LLC should be investigated for the strategies used on consumer. I talked the District Manager several occasions but upheld what was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harbor Front Acquisitions LLC (Closed)
State: ME

Complaint narrative:
A man first called my employer 's office, purporting to be from a law firm, Harbor Firm Acquisitions. The office manager refused to allow him to speak to me, told him I was not allowed to receive personal calls at work, and then hung up on him. The man then proceeded to call back XXXX times, and to be so harassing, the office manager had to instruct all other personnel in the office not to answer the telephone until he finally ceased calling. 

A week later, a woman from Harbor Firm Acquisitions called my personal cellphone from a telephone line that spoofed the telephone number of the local county courthouse, and left a message on my cellphone stating that she was trying to arrange delivery of legal documents in reference to a debt. Rather than giving me a local telephone number to call for information, she then gave me the number of the lawyer 's office - Harbor Firm Acquisitions. I called the court house, rather than the lawyer 's office, and was told that no such person existed at that number, and that no documents were waiting for delivery to me. I have since received no physical paperwork from their office. 

This week, the man from Harbor Firm Acquisitions is again calling my cellphone and my work number. He has refused to give me any number other than an XXXX number ( so I can mail or fax a request to cease all communications, except in writing ). I ca n't get a written verification of the debt, to see whether this is something I owe, or is instead part of a debt collection scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: MI

Complaint narrative:
I have received XXXX calls from FNCB, telephone number XXXX. When we answer the telephone, no agent is on the line to explain the reason for the call. The calls have occurred on XXXX/XXXX/2015 at XXXX, XXXX/XXXX/2015 at XXXX, and on XXXX/XXXX/2015 at XXXX. The calls come to XXXX which is on the Federal Do Not Call list. My credit report shows a credit rating of XXXX, and we are not in arrears on any debt. At XXXX years old, I do not wish to run to the telephone to find no agent connected to explain the reason for the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
My checking account number is not hidden nor encrypted on the lender 's website. I requested to have the account that I created with them to be deactivated. The internet support operations said they can not and I should be assured my information is protected. My information is not protected. I want my checking account number hidden, can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have received an email from this company threatening to put a hold on my social security number, file a complaint with the IRS, and the Attorney General 's office and notify my employer, and press charges against me. After the first email I responded that there was no name on the notice being sent and I wanted proof mailed to me. They do not send anything by mail according to them. I can forward the emails from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 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: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
i received a collection notice from first national collection bureau inc and it is not my debt. 
1 it is not my debt i would like for FNCB to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is FNCB claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 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: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
As part of a time-share purchase, XXXX in XXXX XXXX accepted our XXXX XXXX timeshare in XXXX XXXX as a trade-in. XXXX XXXX handled the transfer of ownership and sent confirmation that the transfer of ownership took place on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, we received a collections letter from Meragon Financial Services, claiming that we owed {$8000.00} to XXXX for maintenance fees and fines. I disputed this on the phone, by mail, and by fax, sending Meragon the confirmation of transfer of ownership letter. They still persisted in calling and sending collections, threatening to report the unpaid debt to credit bureaus. I requested the exact information received from XXXX claiming I owed this debt. They sent one paper with the dues I paid under my contract number and a second paper with a different contract number listing unpaid and late payments. I confirmed with XXXX that this contract was not mine, but when I related this to Meridian, they continued in rudeness and threats. There is no debt. There is no paperwork validating that I owe a debt. I received no bills or notices of fines from XXXX. Meridian claims that these were sent regularly to me. XXXX XXXX called XXXX accounting, spoke with XXXX XXXX, who stated that the ownership was transferred, but since the new owners did not pay the maintenance, XXXX put the timeshare back into my name. He denied this when I talked to him and refused to talk anymore, referring me to the collections agency. We hired an attorney, explained all this to him and faxed him all the paperwork. After 6 months, he sent me a notice that we were no longer owners of XXXX, but he put the effective date as XXXX of this year! He says he is not responsible for any credit problems we may have. I intend to continue corresponding with him until I either get my money back ( {$950.00}. ) or sue him. Help! We relied on XXXX XXXX, who claims they are not responsible. We relied on XXXX XXXX, who claim they are not responsible. We relied on XXXX, who claims he is not responsible. How are we responsible for a transaction we are not licensed to perform on our own when we are informed that the transaction has been completed? We have been blind-sided by this. Now we find that XXXX has dinged us for XXXX unpaid debts from Meridian Finance, all opened XXXX XXXX, XXXX, totaling {$8000.00}, lowering my credit score more than XXXX points! It should be XXXX, but it 's 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 with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I received a phone call today from the collection agency representing Ace cash payday place telling me that I have to give them a credit card or prepaid card today or they 're going to sue me I have iced them that I 'm XXXX and XXXX and if we can please have this conversation tomorrow when I 'm feeling a little better and I will have you know my information ready to provide and they said no they 're just going to take me to court and now that my dad will go from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Gitsit Solutions, LLC.
State: FL

Complaint narrative:
I 'm a single mom. My primary house that I live in withMy daughter is in foreclosure. I have been tryingto modify the with Kondaur Capital corporation loan # XXXX .. I complied with all the demands but theyrefused the modification and only gave me option toeither to do a short sale or foreclose on the house. 
I accepted to go for short sale because I cant afford thelawyer fees. Even with the short sale they pressured meto use their own agent and to sign a document that denyme all my rights in the house and when I complainedand wanted to use my own agent they cornered mewith a high listing price that is higher of the market priceXXXX more .. which makes it impossible to selland they limited the time and commission to the agent. 
that if I do n't sell in the given short period they are notapproving the short sale and they are going to courtthey keep pressuring me to give up my house and pushingme to pay lawyer that is costing me lots of moneythis is my primary residence and my daughter goes toschool .. it is very hard to relocate now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
I talked to my mortgage servicer due to Brock & Scott doing a foreclosure attempt from the prior servicer. The new servisor has no record of my house being foreclosed on and an eviction notice was received to vacate the property XX/XX/2017. I filed an appeal with the courts on XX/XX/XXXX to stop this illegal foreclosure. I am requesting a stay on any foreclosure proceedings until this is settled. Brock & Scott has not responed to my compalints!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I was sent an offer letter to collect a debt resulting from checking account bank fees related to a closed account with XXXX. I did not have time to verify the debt but paid it given based on the offer to reduce the debt with XXXX payments of {$64.00} ( {$320.00} total ). I paid {$65.00} x XXXX times and {$63.00} for the last payment ( totaled {$320.00} ). However, the collection agency did not acknowledge the offer they made and wanted to collect the entire balance of {$800.00}. I sent XXXX requests to acknowledge that I accepted the offer with the last XXXX payments but did not receive any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation