vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Rushmore Loan Services called me on XXXX/XXXX/XX/XX/XXXX at XXXX XXXX ET to demand my XXXX payment, which I had made the day before -- the due date -- via electronic fund transfer. Just a month ago, Rushmore sent me a letter stating my account was delinquent, and I filed a complaint with this agency. The XXXX time they made a bogus collection call was XXXX XXXX XX/XX/XXXX. I had sent a check one week earlier, and the caller stated I was delinquent. I pointed out to the caller that according to Rushmore 's payment coupon there was a ten ( 10 ) day grace period! When I returned to work, I checked my bank account online and saw that my check had actually cleared MY BANK on XXXX XXXX XX/XX/XXXX! 
Rushmore is abusive and bullying. I recommend that they be severely penalized -- even shut down for this on-going pattern of abuse. How many victims do not know their rights, or have access to prove Rushmore 's abusive behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I initially paid off a secured loan with Covington Credit TN, and a few weeks later received a letter stating if he wanted to borrow another {$500.00}, just cash the check at a bank and it would constitute a loan. I did so. I then got into some financial problems and was unable to make payments on the loan and fell 2mo behind. A man from Covington Credit showed up at our house at XXXX on the XXXX of XXXX ( my ex wife and I had gone walking from XXXX that day because we have no vehicle ), never told us his name ( and revealed information to my ex wife - she was outside with me when talking to him- and she was not included as a person they could talk to ) and told me I had til XXXX on the XXXX to come up with {$80.00}. I told the man I had no money til the XXXX when I get paid ( I get XXXX ). I offered to pay {$100.00} when I get paid. The man then told me if I do not pay the money by XXXX on the XXXX, I will be brought up on charges of fraud, reported as having an extra income to the SS department, and have my wages garnished. The man also questioned if that was us walking on the road this morning - which made us scared for quite awhile afterward because of the suggestion they are stalking us - we both suffer from XXXX a lot of issues in both of us. We had no food in the house at the time so we had been walking to the soup kitchen but were now afraid to do that. ( XXXX of our neighbors saw this though not sure how much he heard. ) The next day we noticed a white pickup sitting across the street from our house from XXXX ( it may be a coincidence I do n't know ). On the XXXX we received a mail - with mybname on it - stating they would take my belongings away if no payment ( for an unsecured loan ). We tried to report this on the XXXX but the cops said they had a right to do all these things. On XXXX XXXX we came home from paying our rent and utilities and buying food and found a letter placed on the outside of the door ( no tape ) with my name on the outside and all the information about his debt, the fact I owed on it and the collector 's information. Anybody could have taken that letter or looked in it while we were gone. On the XXXX of XXXX, we called to report someone at the door that was banging violently ( when we finally looked, it was the same man from Covington Credit ), again he left a note in the door. The neighbor ( different neighbor from before ) saw it happen and the way the man was knocking upset him too. Cops never showed up though they did call back a couple times to check on us. 

This is the Covington Credit located at XXXX, TN XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: RFNA, LP
State: AL

Complaint narrative:
Republic Finance agreed to a reduced payment amount and but still continued to call repeatedly while I was making payments. They then filed a lawsuit in XXXX while I was paying. They started coming to my Mothers house and They filed a law suit on XXXX XXXX. But was still taking monthly payments. I became distressed due to this. I have a court date for XXXX XXXX. But I would like to be given a settlement option of 50 %. I believe Republic Finance acted inappropriately and improperly. I was paying them monthly the agreed amount of XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
Covington credit in XXXX, TN Coming to my residence at least once a week for past due payment for the past couple months. Called my parents house ( not a co signer or A reference ) 3 days in a row, multiple times a day. Proceeded to tell my parents I am 3 months behind on a loan payment. Her name is XXXX the manager of the office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Dyck-O'Neal, Inc.
State: CO

Complaint narrative:
I had a loan with Dyck O'neal Inc. that was created as part of a settlement after a short sale of my home in XXXX. I had this loan from XXXX until the autumn XXXX when I paid the loan off and closed the account. I was offered twice a year by Dyck O'neal a 15 to 20 % discount on the principal of the loan if I paid it off all at once instead of the installments. This past fall I had the money to pay off the remaining balance of about {$5000.00}. I took the offer of a 20 % discount and paid the loan off and closed the account. I learned today as I was checking my credit score in preparation for a new mortgage application that I was reported by Dyck O'neal to the credit agencies as having paid my loan off for less than the agreed upon amount. This is a negative report that has resulted in dropping my credit score over XXXX points from XXXX to XXXX. My XXXX score is XXXX, my XXXX score is XXXX and XXXX is XXXX. Dyck Oneal apparently does not report to XXXX. I called Dyck O'neal and they said they have no control over how they report to the credit agencies which I think is a lie. They also never once explained in any of the twice yearly teaser coupons offering a 15-20 % discount that it will be considered a negative on your credit. They never told me this in any conversation I had with them when I called to pay off the loan. They were all too happy to take my money. How can they say I paid the loan off for less than the agreed upon amount if they agreed to offer me a discount so I would pay it off sooner. I ca n't have paid a loan off without them agreeing to it correct? I feel this is extremely deceptive and also harmful to my financial condition because I will now have to pay a much higher interest rate on a loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
My Discover Credit Card ending in XXXX was cancelled by Discover Bank because I file a bankruptcy the XXXX later was Dismissed by a federal judge my account since 2011 was never late Discover have violation under FCDPA, FCRA AND TCPA BY RECORDING WITH NO MY PERMISSION I NEED CFPB TO REFER TO THE APPROPRIATE STATE AND FEDERAL AGENCY 'S

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK
State: CA

Complaint narrative:
Repeated calls to my work XXXX XXXX XXXX I told them not to call but they do anyways

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XXXX XXXX, I mistakenly made my mortgage payment to Discover card in the amount of {$2200.00}. On XXXX XXXX, I recognized the mistake, called DiscoverCard at XXXX, spoke with XXXX in Delaware Billing department, and she stated that they would send me a check for {$2200.00} after my balance of {$14.00} is paid off, and that this check could take several weeks to arrive. I asked XXXX if I will receive an email to this effect, and she said I would get one in 72 hours. On XXXX XXXX, I checked my balance online for Discover card, and it showed a credit balance of {$2200.00}. I called Discover card on XXXX XXXX, spoke to XXXX XXXX in Ohio, and she too said I will get an email in XXXX hours indicating that they were mailing me a check for {$2200.00}, and that it may take several weeks for the check to arrive, and that this was faster than an electronic transfer. I asked for a case number, and she refused and instead stated that this is referred to as " Note # XXXX ''. As of today, XXXX XXXX, 2017, I never received an email from Discover card. I then proceeded checked on line at Discovercard, and my balance was zero, with the credit of {$2200.00} having disappeared. I again called Discover card and they told me a check is in the mail as of yesterday XXXX XXXX. I asked for an email confirming all of this and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I had a sixty day late notice from Discover student loans on my credit history. I have tried to understand how this happened and have come to believe I have been the victim of entrapment by them. I only want the late notice removed from my account. 
I have already complained and their response was dismissive and had questionable statements. 
I will attach a document detailing this complaint and my interactions with Discover student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I was charged multiple cash advance fees given a peculiar situation in while traveling in XXXX I had to withdraw money from ATM using the Discover card but the XXXX government banned all ATM and only allowed for a person to take out only XXXX which equals roughly around {$30.00} dollars. Given the circumstances I made multiple ATM withdrawals on the same day to have the ability to survive. Discover charged me {$5.00} per every {$30.00} I was only allow to withdraw and refuse to waive the multiple fees since it was an unavoidable issue. Total of {$75.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I 'm filing this complaint in regards to The stop, cease, desist and withdraw notice sent to Discover Bank and their attorney XXXX XXXX XXXX, XXXX who are located in XXXX Az Referencing Superior Court Case # XXXX in and for the Country of XXXX AZ Where-which the plaintiffs council has been notified of the fact that the defendant is in a financially Un-colletable state and no funds or assets are available to/for payment or lean. Discover Banks counsel has been notified via said letter dated XXXX/XXXX/2016 sent via Fax on XXXX/XXXX/2016 From defendant XXXX XXXX to ( XXXX ) XXXX XXXX XXXX to fax # XXXX. 
The un-collectable status of the defendant proves that any monies or time spent attempting to collecting these funds will be wasted for both the plaintiff and defendant and yet the plaintiffs attorney continues to waste time and funding on per-suing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mnet Financial Inc
State: CA

Complaint narrative:
I have received a letter from Mnet Financial ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) attempting to collect a debt that I am disputing. However the letter is in violation of Section 809 of the FDCPA. The letter did not make these XXXX ( XXXX ) required statements : -A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 
- A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 
- A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Miller, Stark, Klein and Associates
State: OH

Complaint narrative:
I contacted you three months ago regarding this company and their tactics. They have called my daughter and myself and left message threatening to send the police to my job and home with a subpoena. I do not owe this money. They are claiming this is in reference to XXXX debt. This is a debt likely purchased from XXXX but I filed bankruptcy year ago and do not owe this.I called and they called me names and have continued to harass me. They left multiple messages on my and my daughters phone claiming a complaint has been filed against me.I actually just received a check from a class action suit against XXXX. They also refuse to send written documentation of the debt

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
My husband has had our Discover card for 21 years and has an exceptional XXXX of XXXX years is being charged a 17.24 % APR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I went XXXX XXXX military XX/XX/2013. I had an outstanding balance of over {$1000.00} on my discover card. I left my finances in control of my financial broker as I was unable to control my accounts. After I left, my discover account had a fraud alert and was locked out. My broker was unable to regain access to pay the bill off the following month. When I regained control of the account I paid the debt in full. However, I was charged with a 30 day delinquency on all my credit reports. I have contacted Discover with this information on a yearly basis and even provided my military XXXX. Although this is considered a valid charge the negative impact on my credit is damaging my job field in the military as I have a XXXX in jeopardy. 7 years is a long time to punish someone with a good history of bill paying considering I had no control over the account and was on XXXX XXXX at the time. I would like the 30 day delinquency removed from the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XXXX XXXX, 2017, my bank charged me twice for NSF charge when clearly the first payment of {$65.00} to XXXX XXXX posted before my rent check. They also gave no notice that there was a pending NSF charge at all on the day of the transactions which would have allowed me to make a cash deposit and avoid both charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Professional Placement Services, LLC
State: IA

Complaint narrative:
I received notification on XX/XX/XXXX that my credit score had changed. I opened XXXX up to research what has changed on my credit report. along with my credit score dropping XXXX points. A collections account from Professional Placement Services was placed on all three of my credit reports. The original Creditor was XXXX. The origination date was XX/XX/XXXX. This account just appeared on my credit report this weekend. The trade on my XXXX credit report states that this account last reported XX/XX/XXXX, which is false. XXXX shows that it just reported XX/XX/XXXX for the first time. This account has never reported until today. I check my credit report weekly. In reviewing the trade line, it stated that this account was assigned to Professional Placement Services on XX/XX/XXXX. Attached is a copy of my XXXX credit report from XX/XX/XXXX and XX/XX/XXXX. I then thought about it, The medical bill that I did have during XX/XX/XXXX was included in my Voluntary Amortization of debt of XXXX. ( chapter XXXX ) a repayment plan in which it is file with the Wisconsin Court System. This account was paid off and satisfied through my bankruptcy repayment plan. XXXX could not have assigned this debt on XX/XX/XXXX because it was a part of a bankruptcy repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Miller, Stark, Klein and Associates
State: IL

Complaint narrative:
Someone from Miller Stark Klein calls me several times a day, every day, at my place of employment in XXXX. 

The callers refuse to tell me why they are calling, saying only that it 's regarding " a complaint '' and that they are going to " file charges. '' The caller then insists that I confirm personal details like my birth date, address, and Social Security Number, which I refuse to do. They wo n't tell me what the " complaint '' is about or anything else about the issue. I was told that the call was being recorded and " would be used in court. '' They called back immediately ( within a few seconds ) after I hung up. The last person I spoke to gave her name as XXXX XXXX. The number on my caller ID displayed as ( XXXX ) XXXX, which is an Illinois number, but she claimed to be calling from North Carolina. When I hung up, she called back immediately ( not XXXX seconds later ) and continued to harass me ; the caller ID then displayed XXXX XXXX XXXX XXXX. 

I have told them more than once that they are calling my place of business and to stop calling me there, but they continue. I also told XXXX XXXX that if the debt is legitimate, she needs to send a letter to my address on file detailing the situation. She refused. 

These calls are being made to my place of business and need to cease. If this is indeed a legitimate debt ( and I 'm assuming it 's a debt, not some other type of " complaint '' ), this company needs to send written details to my address on file.

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 2016-08-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: SC

Complaint narrative:
I charged a car rental ( XXXX ) using my Discover Card. The car was " never rented '' as I disputed the charge and the reservation was cancelled by the rental agency The Reservation # was XXXX The amount is {$140.00}. Discover has said this was resolved. 
However as of my last payment ( XXXX ) I paid this along w/ other charges for fear of damaging my credit My records show XXXX debits and only XXXX credits so I think I 'm owed the {$140.00}. They refuse to give me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
the original debt was for a physician, I have repeatedly tried to contact every office of Professional Credit Management that I can find in Arkansas. All of the phone numbers are disconnected or ring incessantly. This is a very old debt and I do not even know if it is valid ; I did owe this clinic but they have not brought it up in numerous subsequent visits made since XX/XX/2011. This collection is hurting my credit i am trying hard to rebuild ; and I can not even reach or contact this company to make my case. There is no way to contact these people.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Evergreen Acquistions, LLC
State: FL

Complaint narrative:
They keep calling my Home phone #, my Cell Phone, my wife 's Cell phone continuously for two days now. They are looking for someone who has the same last name as me. I 've told them I do n't know them and they just keep calling & harassing my family. They are using the name of Evergreen Acquisitions, their # 's are XXXX, XXXX XXXX, XXXX XXXX It shows up as XXXX. XXXX on my caller ID.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I have had an automatic payment set up for the XXXX of every month since 2010. I have paid over the required payment every month. On the XXXX payment I changed the amount to the minimum payment due for financial reasons. Discover is telling me because I changed the amount of the payment it changed my due date the XXXX of the month. I was never notified of this change. I have always known that after the XXXX of the month all my bills are paid and what is left is mine to survive on for the month. Discover did not try to take the payment until the XXXX of the month. They continued to try on the XXXX and the XXXX. Since I get paid on the XXXX of the month there were no funds in the account. They caused XXXX overdraft charges plus a {$.00} foreign transaction fee costing me {$75.00}. They refuse to refund this amount to me due to their uncharacteristic change of due dates on my bill. I could not access my account due to my computer being down so did not realize this had happened until today.

Company response to consumer: Closed with monetary relief