vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I have asked the debt collector numerous times to not contact me at my work as they are jeopardizing my job but yet they continue to do so every time. I gave them my personal mobile number and they still call me at work and every time I tell them they say they will remove the number from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: SC

Complaint narrative:
I never took out an ace payday loan and they keep telling me my wages will be garnish and I owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
I believe First National Collection Bureau started sending letters to my home around XXXX, 2016 for a debt of XXXX they say I owe. First they are asking me to make XXXX payments of {$340.00}. Then, they are asking me to make XXXX payment of {$86.00}. Around the same time, I started receiving numerous phone calls saying nothing or asking me to stay on the line. I hung up every time I received XXXX of these calls because I thought it was someone trying to sell something.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 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: First National Collection Bureau, Inc.
State: CO

Complaint narrative:
First National Collection Bureau Inc made a settlement offer of {$210.00} for a debt collection totalling {$540.00}. I have paid this settlement and the Cresditor refuses to mark this debt as settled in my credit report 30 days after payment as promised. Instead it was left open as being an unpaid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MA

Complaint narrative:
the company name is global client solutions LLC Is this company legitimet. Are there any complants against it.Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: MA

Complaint narrative:
XXXX abused me as XXXX and promised to delete the negative report if the account paid in full. The account was paid in full on XXXX/XXXX/2015 {$250.00} and it still shows as in collection. I want my negative report to be removed as promised since I was abused from the XXXX credit bureaus. XXXX, XXXX and XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WA

Complaint narrative:
My loan was sent to collections without my knowledge. Has charged additional fees

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have received XXXX emails regarding my XXXX payday loan. Each XXXX claims they have received a XXXX of XXXX on my wages XXXX untrue ). They also claim to be a XXXX. XXXX from the XXXX. 

1 ) They misspelled XXXX. 
2 ) They have not tried to contact me by phone or at work. 
3 ) They are claiming I have a warrant and will be arrested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
Ace cash express is claiming ( by e-mail ) that I requested a loan through them in California. I never did. I have not been to California in years. I do n't want to call them. But I want to see if anybody can go after them for lying and potentially stealing my identity. I have already placed a fraud alert on my account. Here 's the e-mail I am receiving : A cash payment of {$290.00} is due on XXXX/XXXX/2016. 
Visit ACE Cash Express at XXXX XXXX XXXX XXXX to repay your loan. 
If you have any questions please do n't hesitate to call us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX continue collecting on discover account that I do not owe them because changed to cooling and winter never given proper amount owe wonder if still can collect on discover accounts since law firm XXXX XXXX is out and wonder if cooling and winter will have to go back to court for XXXX discover accounts that never that they owned and proved properly that I owed this amount they seem to have over charged me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
Discover prepaid card said on their website they would approve me if I made a deposit. They lied and left a negative query on my credit report. They asked for information about my identity and I provided it ( a XXXX with all of my information on it! ) and they still denied me. I went through a lot of trouble to get this and all Discover did was hurt my credit report and harvest information about me! violating privacy laws and being a creepy, lying comapany. 

reference number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: AmeriCollect
State: MN

Complaint narrative:
Americollect is on my credit report saying I owe {$1000.00} to them. I asked them to provide debt validation and they cant. The only thing they provided was a statement/bill. I got in contact with the original credit which was XXXX. XXXX stated I didnt owe them any money, further more they didnt even have me in their system. I sent a copy to Americollect and they then stated its for XXXX who supposedly is my son. That is not my kid! From my knowledge if I owe them a bill they supposed to send me debt validation not a statement/bill. I should received a contract thats between Americollect and I saying I owe them money with my signature saying I agree to pay them. I will like for them to remove that collection off my report asap since thats not my bill and they cant provide me with any type of debt validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover personal loans mixed up my name and address and continues to send me a monthly statement for a loan that is not mine. I have called each month for three months to resolve the issue but the statements keep coming. I am about to close my credit cards with discover as well as my bank account with them if this is not resolved in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
The Discover Financial Services placed my account with Atterney Office for Collection where the action of the firm affected my health condition that may arise based on my past condition, which I prefer not to share as it is private and confidential information. The name of company or person ( XXXX ) XXXX XXXX. 
I rejected to speak with anybody from this office and having preference based on my experience at working settings with this office not to have any conversation at all for harassing and insulting action following with mental abuse that affected my health condition and issue. Please consider this complaint seriously to resolve the issue of Financial Fraud and changes on my account due to change of numbers on my account with Discover. this person must be discipline for his harassing and discriminating actions as me personally as company where I work at the current moment that affecting all other employees as well. 
Very unfriendly personality unwilling to communicate have a lack of managerial skills and ability communicate normally with people especially customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 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: Rent Recovery Solutions
State: AL

Complaint narrative:
I was a cosigner for my daughter apartment. The apt manager ( XXXX ) replace the carpet after my daughter move out, because of pet damage. the dept was sent to collection and placed on my credit report without ever contacting me for payment. They never gave me a chance to clear this dept before attacking my credit. I offered to pay this dept if the collection company ( Rent Recovery Solution ) would remove the negative comment that they placed on my credit report. Which they refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
can not accesss free report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed an account showing on my credit report with Equifax from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on XXXX occasion asked me to send them a copy of the credit report that is reporting this information in which I did. Each time I request the contract information they never able to send it. I then dispute this Item with Equifax letting them know that I have no knowledge of this account with XXXX XXXX. Equifax somehow able to verify that this account belongs to me. when I call Equifax I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Equifax was via online Equifax.com/disputes. Again Equifax say that this account is verified by the creditor. Since neither Equifax nor the creditor are unable to provide me with the information that I requested I need Equifax to remove this item from my credit report. This account is showing that charge off, collection and sold to another company unsecured. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover started and marketed a promotion giving XXXX % Cashback on ALL transaction using XXXX. I applied for and received a credit card from Discover expecting to receive XXXX % cashback on all XXXX transactions. Shortly after their promotion started Discover started arbitrarily adding restrictions to the promotion. After that Discover began a program to blanket deny all high value transactions due to " giftcards '' even if those transactions contained no giftcards. Discover then again changed the terms of their promotion without warning and started requiring receipts for all transactions in order to obtain the advertised cashback. 

The original terms under which I signed up are as follows : " What are the details for the XXXX % Cashback Bonus ( R ) promotion? 
Cashback Bonus : Earn an extra XXXX % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. 

XXXX : Earn an extra XXXX miles per dollar on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX, 2015 now through XXXX/XXXX/15. Rewards earned are in addition to your standard rewards and are added to your Miles account within 2 billing periods. See Miles Program Terms and Conditions for more information. '' Discover clearly engaged in deceptive marketing practices. They marketed a promotion promising amazing rewards with no cashback and after getting new customers to sign up, they began fraudulently denying transactions without cause and adding restrictions without notice. The request for receipts is a blatant attack on customer privacy. 

I will add that the FDIC and CFPB have already previously held that Discover has engaged in deceptive acts and practices in or affecting commerce, in violation of section 5 of the Federal Trade Commission Act ( " Section 5 '' ), 15 U.S.C. 45 ( a ) ( l ), and in deceptive acts and practices in violation of sections 1031 and 1036 of the CFP Act ( together " Section 1036 '' ), 12 U.S.C. 5531,5536.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: CA

Complaint narrative:
I submitted a request to defer my student loan payments because I am currently enrolled as a XXXX. I filled out XXXX forms provided by my loan servicer to request an in school deferment, Discover Student Loans, a " Deferment Request Form '' and a " School Enrollment Verification Form. '' The " School Enrollment Verification Form '' asked a school official to state the academic periods during which I am and have been enrolled at least half time, the date on which I am reasonably expected to complete my program requirements, the school name and address, the signature of an authorized official and that official 's title, and a date. The form states that " the school may attach its own enrollment certification report listing the required information in lieu of completing this section. '' My university did so, attaching a " Verification Transcript '' in lieu of completing the certification section on the " School Enrollment Verification Form. '' The Verification Transcript provided all of the information requested by the form ( and more ). I mailed the XXXX forms and my school 's enrollment certification report to my loan servicer. However, I received a letter back from my loan servicer, stating " We were unable to process your request for an In School Deferment because we were not able to verify your enrollment status. Please have your school send us a letter. '' The letter then specified requirements that a letter from a school official would need to satisfy, all of which were satisfied by the verification transcript that I had sent to my servicer ( and some of which were not listed on the " School Enrollment Verification Form. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
A Discover card was activated after having it for 2 years I called the day before I left for vacation to activate the account everyth6was fine advised discorer we would be traveling and the dates. The card was used for gas from XXXX to XXXX no problems it was also used at a hotel and retailstore still all was fine. 2 days into the trip we went to purchase has an item and it was declined. I called and spent 20 minutes on the phone and could not get any answers as to why. I finally dander a a supervisor because a t the point now my family and I are stuck until we can get ahold of our bank to be able to use them out of state and Discover shut the he card down. The phone rep stated it was on XX/XX/XXXX when this happened yet we were able to use the card until XX/XX/XXXX. So they allowed for us to leave and use this card thinking all was fine yet the card had been shut down for days and not even any kind of notification and they let us charge on it and left us stranded and let us charge on a card that was shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK
State: PA

Complaint narrative:
In the XXXX, Discover nearly quintupled my monthly payment from {$120.00} per month to {$580.00}. I have explained to them countless times that I am unable to afford that type of payment per month. I have informed them that I am very willing to meet somewhere in the middle. In return, Discover has done the following : - Discover allowed me to go back on the graduated repayment plan in XXXX of XXXX, but again quintupled the monthly payment despite my countless testimonies that I was unable to afford what they demanded was the required monthly amount, even after I provided income verification, a fair monthly payment range that was almost three times more per month than the graduated repayment plan amount, stating they were n't able to do so, without any explanation why, at any time. 

- Discover has refused any type of loan modification in any capacity. 

- Discover has told me for three years now that they will be introducing new types of repayment plans that would allow me a lower monthly payment, they have not done so at any time. 
- Discover has put me on what is known as the " Payment Extension Program '' several times, which, over the phone, forces me to sign up for automatic payments on a three month basis, only broken down on a per loan basis, which still does not provide any type of loan modification that leads to a monthly payment reduction, causing me to fall further behind on my payments despite repeated attempts by me explaining that I can not afford the monthly payment they are refusing to negotiate on. 

- The outright lies by Discover, especially on their recorded phone conversations about new repayment programs that have never come to fruition, and how the " Payment Extension Program '' will supposedly make my account current, has in turn caused my credit score to suffer severely, and I am concerned that I will never be able to repair it due to the damage Discover Student Loans and their unwillingness to modify the loan repayment terms on a monthly basis to a fair amount that I have expressed to them countless times that I am willing to meet in the middle on will only cause further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
FIRST OFF THIS COMPLAINT DOES NOT CONSTITUTE ANY ID THEFT SO EXPERIAN IS NOT TO PUT ANY KIND OF FREEZES ON MY REPORT. EVERY TIME I ASK THEM TO REMOVE AN INQUIRY THAT DID NOT HAVE A PERMISSIBLE PURPOSE THEY WANT TO SAY I ASKED THEM TO PUT A FREEZE ON MY REPORT AND THAT IS NOT WHAT I AM ASKING THEM TO DO. THEY HAVE A BUNCH OF INQUIRIES ON MY ACCOUNT THAT DO NOT HAVE A PERMISSIBLE PURPOSE AND I AM ASKING THAT THEY TAKE THEM OFF AND THEY WILL NOT. THE FOLLOWING INQUIRIES ARE TO BE REMOVED AS THEY DO NOT HAVE ANY PERMISSIBLE PURPOSE AND EXPERIAN KNOWS THIS. 

1. XXXX ON XXXX XXXX XXXX : REASON UNSPECIFIED 2. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 3. XXXX XXXX XX/XX/XXXX : REASON UNSPECIFIED 4. XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 5. XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 6. XXXX XXXX XXXX. XXXX XXXX XXXX : REASON UNSPECIFIED 7. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 8. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 9. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 10. XXXX XXXX XXXX XXXX : REASON UNSPECIFIED Experian has been notified in writing on XXXX separate occasions about these being removed. Instead of removing them they just say that i requested a security freeze on my account or that i alerted them of ID Theft and that is NOT THE CASE and They are not to put any kind of freezes on my account. I am filing this complaint here because I want a record that I am not asking them to put a freeze on my account but I am asking them to remove the above inquiries because they did not have any permissible purpose as I was never offered nor extended any credit with those companies. On my credit report Experian specifically says we offer credit information about you to those that have a permissible purpose such as preapproved credit, employment, investor potentials, experian consumer assistance, mortgage completion or insurance underwriting. According to my records and research none of the above listed XXXX items meet any of these criteria and I am asking that Experian remove them immediately from my file and DO NOT PUT any freezes on my account as I am NOT asking you to do that and then immediately send me a new updated copy of my credit report.

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