vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: RFNA, LP
State: GA

Complaint narrative:
On or about XXXX XXXX, 2015, I was served a summons in regard to a default on a loan in the amount of {$3500.00}. The summons which was stamped filed on XXXX XXXX, 2015, did not provide an attachment of any valid legal contract evidencing the debt, with the original date and terms of the debt, with my personal signature on a contract of this alleged debt. 

I have never personally applied for, nor have I ever signed a contract with Republic Finance LLC for a loan of this alleged debt. 

On XXXX XXXX, 2015, I have written Republic Finance LLC in regard to my dispute and validation of the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and have requested that Republic Finance LLC provide me with competent evidence that I have any legal obligation to pay them by providing me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with a copy of the contract that show I agreed to pay what is claimed I owe ; Identify who is the original creditorThis request is being made within 30 days due to a summons filed on XXXX XXXX, 2015. I 've requested under the Fair Debt Collection Practices Act, 15 USC 1692, that Republic Finance LLC, cease and desist all debt collection activities until it validates this alleged claim. 

Furthermore, upon review of my credit reports, Republic Finance LLC is reporting this erroneous debt to various credit bureaus as well, in Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterI further request that Republic Finance LLC, in addition to cease to and desist any collection activities, withdraw any court filings, and remove this erroneous item and update my credit report as soon as possible. 

Thank you for your time and consideration in reviewing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Other financial service — Debt settlement
Issue: Unexpected/Other fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: LA

Complaint narrative:
This company has a problem telling the true with their debt settlement program. When I signed up XXXX, I thought they was handling my settlement program. I was told there will be no additional fees for service and they will contact my creditors to handle the proposal. However, this was a lie. 
They have another party Global Client Solutions XXXX and UCAN involved and they are the unprofessional and rudeness people to deal with. Refuse to call back, refuse to talk with the creditors on a proposal and lied about what is available since they are also taking fees that I was told at the beginning will not occurred. 
Today I talked with a supervisor XXXX and he was rude and told him I do not like the wait he was talking and gave me a very caustic answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA

Complaint narrative:
In XXXX 2016, my husband and I were pre-approved by XXXX XXXX Mortgage to purchase a property located at XXXX XXXX XXXX, XXXX PA XXXX. We made an offer which was accepted. A closing date was scheduled for XXXX XXXX. The property was listed by XXXX XXXX of XXXX XXXX in XXXX PA, XXXX XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, ( XXXX ) XXXX. Our real estate agent is XXXX XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX The following bank entity signed the addendum : XXXX, or Rushmore loan management services, who appear to be represented by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX We submitted an earnest deposit of {$4000.00} to the bank owner entity on behalf of XXXX XXXX. 

On XXXX XXXX, the mortgage application went to underwriting and the mortgage was suddenly denied, based on the same documentation and information with which it was pre-approved. The mortgage company claimed that they did not know that my income was only part-time, and once they found out just before closing, they pulled out of the loan. 

Our earnest money deposit of {$4000.00} still has not been refunded to us. The listing office XXXX never answers the phone or returns my voicemails. 

Today our real estate agent told me that she was able to get in contact with XXXX. XXXX XXXX told her that the bank entity rejected refunding our earnest money deposit because a commitment letter had already been issued by XXXX XXXX Mortgage, and that the bank entity considers our mortgage to be in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First National Collection Bureau, Inc.
State: VA

Complaint narrative:
I filed Chapter XXXX bankruptcy in 2008 and all creditors, secured and unsecured were included. The bankruptcy was discharged and shortly afterwards, XXXX of the unsecured creditors " appears '' to forward the account to a XXXX party collection agency, with a different account number than the original XXXX. This same discharged account has been passed on to at least XXXX other XXXX party collection agencies, since the bankruptcy was discharged. I made an attempt to contact the XXXX party collection agency a few days ago, and other than the individual on the other end of the phone being very nasty and derogatory towards me, she said there was nothing she could and provide her proof that the account was placed in bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Services Group, Inc. d/b/a ConServe
State: NJ

Complaint narrative:
Trying to settle with Conserve who was outsourced by XXXX which is the company that deals with financial accounts for XXXX online. I do owe XXXX to the school. I lost my job and could not pay. I now am trying to pay and spoke to Conserve about a settlement. I will pay XXXX plus some fee, but not XXXX. Which they are trying to collect and not even negotiate. Even XXXX was trying to reach out because they do n't understand. I asked conserve where this excess fees came from, and they just said that they can tack on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
I currently do not have any outstanding accounts. The debt collector 's name is First National Collection Bureau , Inc . The only information provided about the creditor is : XXXX XXXX XXXX and the original creditor is XXXX ( XXXX ), XXXX XXXX. I have never had any creditor named like neither XXXX. When I called they said I should call XXXX XXXX or XXXX because it is an old account. I do not have any outstanding accounts with them either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
HireRight has erroneous incorrect information on my XXXX Report and I would like to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
On XXXX/XXXX/15 I sent a Cease and Desist letter to Southern Finance, as a representative had come to my place of employment and I wanted to ensure that the harassment would stop. However, Southern Finance continues to call me and references provided on my application multiple times a day. I am experiencing a financial and have been meeting with a non-profit financial counselor. I have been advised that my budget only allows me to pay for my most basic needs such as mortgage, food, and health.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
Multiple phone calls through the day starting at XXXX and ending sometimes at XXXX EST. Multiple visits to my house and today I was blocked in the driveway by the collector and I told him to leave or I would call the police. These house visits are common and have asked them to stop doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME

Complaint narrative:
XXXX months ago I got a payday Loan with Ace Cash. I got XXXX extensions with them. I was about to make a payment and went into their website to do so. I could not log in to their site. So I called and the customer service person told me that they no longer gave pay day loans in Maine and that is why I could n't. So I asked her if I could make payment arrangements with her and she said no I am sorry. I might add that I had XXXX more times I could make payment arrangements. She said that they would be debting the full amount of the loan which was XXXX on the XXXX I said i could n't pay that and she said well stop payment on it and we will make payment arrangements with you. I did just that. Now I realize that they broke their contract with me and probably charged me for non payment and I know for a fact it is on my credit report for non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: HireRight Solutions, Inc.
State: VA

Complaint narrative:
I received ticket in Indiana for failure to obey traffic signal. On XXXX the speed limit was XXXX but slowed down when was close to red light when my front steer tires hit the white line the light turned yellow .there was an officer sitting in red light to my left. He should know that I could not have stopped that quick even if I were goin XXXX the weight of a tractor trailer would not be able stop so sudden without loosing the load on flatbed trailer. I was goin show for court but it 's very hard. For driver to make court when you travel so many states.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I have been paying monthly mortgage payments to Rushmore Loan Management S,ervices on a regular basis for years. Recently I have used XXXX online payment service for this purpose. Rushmore claims that they have not been getting the bank transfer funds and threaten me with numerous phone calls at all hours. My bank records show valid fund transfers. I am unable to talk to reliable Rushmore employees , usually their phone numbers do not answer. I do not want to jeopridise my mortgage, but do not know how to proceed. Please advise
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
Rushmore Mortgage bought my second mortage from XXXX. The debt with XXXX was included as part of my chapter XXXX bankruptcy. Rushmore continues to report this as a deliquent debt to the credit reporting agencies. I have filed disputes with the agencies but the debts have not beenr emoved from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 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: TX

Complaint narrative:
I borrowed money from ACE Cash Express several times. I lost my job after I took out my last loan. I informed them and made a small payment towards my loan and explained my situation. The representative set me up for a payment plan being on the date of my last check with my previous employer. The representative helping me told me with my payment it would bring me down to a lower even amount. After payment was made I called to make another small payment as I explained to the previous representative I wanted to make good with that company and pay them off but my employment situation was stopping me and once I got a new job I would make bigger payments. When I asked my balance it was even higher. I explained my situation to the representative and she told me it was an installment loan and grew interest daily I told her that he previous representative had told me I would n't get anymore interest and I would have to just pay off my balance. She said I would get interest til the end of XXXX which makes my balance a lot higher and causes lots of financial stress on me and my family being that I 'm unemployed. I thought I was doing the right thing when in fact I should have never gave a payment so I would stop accuring interest a lot sooner. I was not valued as a customer to this company obviously I would never recommend their services to anyone. They did not attempt to help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 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: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
First National Collections purchased this loan from XXXX. I informed them that someone opened this account at a address which does not belong to me or never resided at and advised them to validate and verify. First National Collections has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 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: Consolidated Recovery Group, LLC
State: OR

Complaint narrative:
I had a merchant account with XXXX XXXX XXXX. They claim that I charged someone 's credit card for {$4900.00} under my merchant account number. I never initiated any such charge. Apparently someone else had XXXX XXXX XXXX change my merchant number to route to their bank account and placed a fraudulent charge to someone 's credit card under my business name. Once the money was deposited to their account, they withdrew the funds and closed the account. 

XXXX XXXX XXXX got notice of a charge back under my company name and tried to recover the funds, but the account was closed. They are now contacting me and are claiming that I need to pay for this charge. 

I let them know that I was completely unaware of this and never charge a single credit card on my merchant account ( I opened this account to allow my customers to make ACH payments to me - they are usually less than $ XXXX/month ). XXXX XXXX XXXX never even notified me that my bank account was changed and I did not authorize a change of my bank account at any time. 

Obviously, the bank account was not opened in my name, as they must be opened in person with photo ID according to the Patriot Act. XXXX XXXX XXXX will not release to me the name of the person whose credit card initiated the charge back and they wo n't give me the name of the bank and account # where the funds were deposited, so I have no way of knowing exactly how this even happened. I can report that I received an ACH deposit the Monday after this alleged credit card charge ( Father 's Day ), so this must have been a very quick change. 

Since I did not initiate the change of this bank account information and did not make this charge, I should not be held accountable for it. I notified XXXX XXXX of this and they acknowledge it was probably fraud, yet they will do absolutely nothing on their end to investigate this fraud. They are only willing to proceed with collections against me, even though I had nothing no ability to control their security practices, which are obviously flawed. 

On my end, I did file a police report of this fraud and a fraud report with the Federal Trade Commission. I continued to receive calls from XXXX XXXX XXXX demanding payment along with threats that they were going to send me to collections. I kept denying I made this charge, yet they still proceeded with collections. I just received my first collections notice from Consolidated Recovery Group, LLC and I responded that I am disputing this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
every time I make a payment to my credit card there is a several day lag before this debit shows up in my usbank account. the money has been sent to my credit card and is posted- usbank does not even show this as a pending charge for days! it is an obvious ploy to get people to overdraft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
When I was with XXXX XXXX I opted out of overdraft service so that if I did n't have funds available they would decline my transactions. They were purchased by US Bank and I was told everything had transferred over as identical. Today I found out that instead of declining transactions they put them through and overdrafted me - I tried to find on their site the location where it lists that I have it set up to decline, and not only can I not find that like I could with XXXX XXXX but it does n't even appear to be an option - I can either set it up or do nothing - but I am not allowed to opt out so the transaction will decline. Are n't they legally required to follow a customers wishes when they opt out of this and want their transactions declined? They appear to be purposefully stalling the transactions and they delay sending me my text notifications so as to make the transactions hit because I checked before I went shopping and there was enough to cover then suddenly there was n't - the only explanation is they are n't posting all the pending transactions, just the XXXX they feel like posting.

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 2017-02-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
The company Fraudulent information in their response to the last complaint should be reviewed thoroughly. I never had a balance of more that XXXX. The bank has stolen my deposit by charging annual fees, Fraudulent charges, and subsequent charges that was not agreed upon. The bank charges are correct. 

The bank provided different amounts of charges without any evidence. The charges accessed to the account includes fraudulent fees and retro charges for the fraudulent charges. The company credited the Fraudulent to the account, then charged the purchases back to the account. The company would like the cfpb to believe that a {$300.00} credit card accumulated charges of more than {$700.00}. I believe this is a scam to retain the deposit. 

The bank never address the Fraudulent charges that was charged by their employees. The company delayed action in XXXX 2015 with respect to the Fraudulent charges and subsequent fees to avoid or delay prosecution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Dear CFPB : I 'm a resident in XXXX, Washington and a mortgage holder/home owner who has questioned the need for continued PMI insurance with US Bank, my mortgage holder, for the past two+ years when I learned the government is changing the rules regarding PMI. I fully accept the rationale for the insurance when my deceased husband and I refinanced our home in XXXX XXXX. At the time our loan to value ratio did not meet the requirement. We were satisfied with the 3.75 % interest rate and considering my husband was XXXX we were seeking a way to lower the monthly payment to prepare for me being solely responsible for debt should he die since his life insurance would not pay off the mortgage upon his passing. We did get an FHA loan. My specific complaint has arisen because I get constant solicitations in the mail and over the phone to refinance my home which continues to increase in value including solicitations from my mortgage holder US Bank. I owe {$410000.00} on my loan. My monthly payment consists of {$810.00} principal, {$1300.00} interest, {$450.00} tax, {$160.00} insurance and {$380.00} mortgage insurance. The county assessor has recently increased my home 's value from {$560000.00} to {$690000.00}. Obviously, I 'm pleased to see the value of my home increase. With this new information from the county assessor and looking at homes in my neighborhood selling for more than {$700000.00} I 've again asked US Bank for relief of the PMI. Again I was told no. But, I could refinance and move into a conventional loan which would mean more fees paid to US Bank and a likely loss of the 3.75 % interest rate due to my annual income being less than it was. I 'm topld because my loan is an FHA loan and not a conventional loan I can not simply drop the PMI. I 'm also told should I continue to pay on time until XXXX XXXX, which I have never been late with a payment in history of me holding the loan, will the PMI be dropped. My house hold income is less than 50 % of what it was when my husband was living. I 'm seeking relief of the PMI and would be thrilled if there was a way to get a refund on what I 've paid into US Bank since the government changed the rules on PMI. Its difficult for me to understand the rationale of a relief on a conventional loan, but not an FHA loan. That makes no sense if the government is trying to help mortgage holders like me. Can you please help me understand why?

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