vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents. 

When I asked what legal documents the person was referring to they let me know that they would have to transfer me to XXXX XXXX who had more information on the situation. XXXX, the representative for XXXX XXXX let me know that Ace Cash Express was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015. 

When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing XXXX XXXX in a civil suit being levied against my by Ace Cash Express. 

However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
For this loan I ca n't access any of my information also they wo n't send me copy of my agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I have requested information and documents from this mortgage company to no avail to the point that it 's frustrating. When I do get a response I am told that the information will be forwarded to me but they do not do so. I 'm on this trend since last year and still do n't have a resolution to the matter. All I want is a billing statement translated to the XXXX language since the mortgage branch is located in XXXX XXXX. The billing statement is to disclose information regarding insurance, property taxes and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ID

Complaint narrative:
Case number : XXXX Filed XXXX/XXXX/XXXX I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( XXXX was the lender at the time of the Bankruptcy ) Rushmore response XXXX/XXXX/XXXX We have conducted an investigation and corrected the error asserted within the received correspondence. Rushmore has confirmed that the Chapter XXXX Bankruptcy case you filed was discharged on XX/XX/XXXX. Please note that Rushmore submitted an update on XXXX XXXX, XXXX, to the main credit repository agencies to reflect the Loan as Closed, Discharged Chapter XXXX Bankruptcy. Please allow 30 days for the credit bureaus to update your account with them. We apologize for any confusion or inconvenience this matter may have caused My current complaint that still needs resolution. XXXX/XXXX/XXXX The words " settled for less than owed '' are the words that still need to be removed. This is the statement that is not allowing me to get a new home loan. I filed the BK over 6 years ago and this does not affect my ability to get a home loan. What I need the letter to say is " to remove all working related to settled for less than owed. '' What it should say is just Ch XXXX BK and give directions to the XXXX to remove all other verbiage more specifically to remove the " settled '' verbiage. I discuss the last letter you sent with the Bureau 's and unless it tells them to remove the " settled '' working, they will not remove it. Again, this is the working that is not allowing me to get a new home loan and as I file BK against the loan XX/XX/2009, I am no longer responsible for the loan and it can not go against my credit after the BK. Please address this issue immediately so I do not lose the home that I have an offer on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Borrower : XXXX. 
Property : XXXX, NY XXXX. 

I am writing in regards to a property located at XXXX, NY XXXX. The servicer of this mortgage is Rushmore. I am trying to do a short sale on this property which is an alternative to foreclosure or auction. I have submitted a loss mitigation package along with all financials to the servicer 5 months back. I have also submitted a legitimate offer to the servicer as well. Now, we have a sale date coming up on XXXX/XXXX/2016 for this property and servicer is not reviewing our offer and just passing time so that they can auction this property. Please take into consideration of the hardship homeowner is going through. I appreciate your help and attention on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Collection agency is pretending they are lawyers threatening lawsuit. Calling friends and family and harassing them. They wont give real names when i call the number they tell me to call, And will not send me written info when asked. Someone from XXXX collections claimed he was lawyer and when i called second time they said they work for a law firm. They give a claim number to friends and family saying i will go to jail for fraud they are scaring me. Ace checking cashing is who i owe, The telephone number they told me to call is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Recovery Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX sent me a letter in XXXX XXXX stating I owed {$540.00} on a service from XXXX XXXX. XXXX XXXX XXXX then explained that this was an error on their part and that they were going to get in touch with my insurance company. I did not hear back from them from that last phone call. I then received a letter from Asset Recovery , Inc. in XXXX XXXX stating they were a debt collector and was attempting to collect a debt for XXXX XXXX XXXX. This came as a shock for me because that last I heard from XXXX XXXX XXXX center they were contacting my insurance company to fix the error they made in billing on their part. After numerous conversations back and forth with Asset Recovery for about 2 weeks trying to explain to them what happened and also trying to make payments to them for it ( and got returned checks ), they then placed it into collections when I was in contact with them consistently and tried to make payments. This debt is now effecting my credit score and it still sitting on my credit report after numerous calls and attempts to pay the debt. Asset Recovery put this debt onto my credit report PRIOR to even notifying me that this debt was in collections. Since this company was not acting in good faith my attorney advised me to pay this debt in full which I have just done.

Company response to consumer: Closed
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I was with Navient and was on an automatic debit for $ XXXX/month. The terms then upped the amount to {$360.00}. When i called Navient, i said that in no way did i not want to pay my loans but due to my financial obligations, i could not afford {$360.00} per month. Although my income may state that i can afford this, i have a daughter in college and XXXX kids in daycare so the extra money makes me way too strapped. They put me on a temporary forebearance and now the payment is over {$400.00}, which i ca n't afford. I told them i want to pay this back but this is too much. They told me basically that it was too bad and either i pay it or default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I contacted all three credit rating agencies regarding an item appearing on all three reports. XXXX and XXXX both removed the item as it had been on my credit report for 7 years. Equifax shows it with a deletion date of XX/XX/2016 while the other agencies had it with a date of XX/XX/2016. Item is an XXXX XXXX item in the amount of {$1100.00}. Acct # on Equifax is XXXX Clearing these items is critical to a house purchase we want to make and this item is impacting my score. Requested they remove as XXXX and Experian had done. They simply sent back notice saying that Consumer Disputes This Account and took no further action. Equifax records should be in sync with XXXX and XXXX. Please request Equifax remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
This student loan dose not belong to me wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
All three XXXX bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: First National Collection Bureau, Inc.
State: LA

Complaint narrative:
Someone got a credit card in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I have been recieving repeated calls from a company called " XXXX ''. They claim that they have been hired by Ace Cash Express to 'retain a statement regarding impending legal action ' about a payday loan that was taken almost two years ago. They wont give me any further information, and claim to be a network of attorneys debating taking legal action against me. I asked for a verification of the debt and they refused to provide ... This was a red flag. I called Ace Cash Express and they say that they sold the loan last year. This XXXX companyproceeded to verbally harrass me, told be that i have been 'writing bad checks ' and 'defrauding a financial institution. ' After I asked them to remove my work number, as my company prohibits personal communications on the company line, and only contact me on my cell phone they claimed they couldnt do that, stated " I dont have time for your XXXX games '' and then hung up on me, called the owner of my company and left him a long message stating that " XXXX XXXX, your employee, is writing bad checks, and embezzling funds '' and " XXXX XXXX i really just need you to bend him over and give him a good spanking, so that he stops all of his illegal behavior you know these are serious crimes ''. I called the number back and asked for their address or contact information and they refused to provide it, but began to berate me again, telling me that they will keep calling my employer, and my family, and i would have less of a chance of being fired from my company over all of this if i just paid up. I feel that they are operating outside the law and their tactics are extremely harassing. They still call my phone XXXX four times a day as well as call my work. Their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: DRS Financial LLC
State: NJ

Complaint narrative:
i have been getting calls from CAPITAL COLLECTION SERVICE 3x a day one time i answered my cellphone while at work which we cant use during working hours so I was telling to one of representative i will try to make a payment. Today XXXX XXXX, 2016 they call at my cell phone and call at my work her name was XXXX phone XXXX my supervisor answered the call and now my supervisor told me and says I can not get personal or business call unless if emergency. This is harassment and bullying from CAPITAL COLLECTION SERVICES I could get fired and loss my job so now how I could try to make payment to them if I loss my job..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
The manager of Eagle Loan Compnay visited my home and left a postcard ( business card ) in the door about contacting his office. This upset me and my husband tremendously and was extremely embarrassing. I asked to be contacted on my cell phone only. I thought it to be completely harrassment to vist my home, all I receive are calls, they have never sent me a letter, stating the balance. But the manager made a house call to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 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: Rent Recovery Solutions
State: KS

Complaint narrative:
Hi, I am writing because I found out that i have a debt collector that is affecting my credit score. This debt is not mine, and the collector refuses to remove it from my husband 's and my credit score. What do i do? when we told the lady that is not ours and we wanted to negotiate to get rid off it she denied, and offered for us to pay about XXXX which is what the debt showed as early this year ... i just checked this again and it went up to almost XXXX! This debt used to showed as of year XX/XX/XXXX and i checked it again and they changed it to XXXX. We reside in XXXX and under the statue of limitations it says that they should get rid of this issue next year ( 5 yrs ), but they changed the date to XX/XX/XXXX! the debt collector is : Rent Recovery Solutions form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
A little over a year ago I enrolled in direct charge to my checking account to repay {$99.00} a month at a reduced interest rate, at the end of 1 year I was told that I was going back to the higher interest rate and the previous offer was only for one year, even though I was told that I could renew it every year. Very misleading. Also Discover advertises that you could redeem your bonuses anytime. Yet when I tried to redeam my bonus points I could not because I did not have {$25.00} in bonus. J also never gave them permission to put my credit score on my bill. Unfortunately I get my mail in XXXX XXXX and one of my bills went into someone elses box and it was opened. This happens quite often.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: SD

Complaint narrative:
I am writing to dispute the following information that your company provided to all XXXX major credit bureaus : XXXX, and XXXX. I have circled the items I dispute on the attached copies of the credit reports I received. 
The item that I am disputing is the second reporting from your company of my XXXX student loans on my credit bureau. According the Fair Credit Reporting Act, you have a responsibility to report accurate information on my credit bureau, currently it appears that I have a total of XXXX loans with your company with the continued reporting of the XXXX accounts that are closed. I was recently made aware of the effects of your company reporting my student loan 4 times, XXXX sets of XXXX accounts, when I was applying for the FAFSA for my daughter and was denied aid. I contacted the U.S. Department of Education in an attempt to rectify the situation when they informed me of how your company is currently reporting my student loans. They advised me to contact your company and request that the additional accounts be removed. 
I did contact your customer service department and when the representative would not acknowledge the error, I requested to speak with a manager. The manager informed me that your company changed computer systems and that all accounts were reporting double on credit bureaus because there was no other way for your company to capture the delinquency and history of the account. While, I am not disputing the accuracy of the reporting of the account, I do not think that because your company could not manage to transfer the history of your customer accounts during the computer system change, your customers, including me, should be impacted by something that was out of our control.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I used the Discover Deals section of the Discover.com website to make a purchase with a 5 % cashback bonus. I used this page ( XXXX ) to buy a XXXX and get 5 % back, but when I asked a Discover representative later for more information they said my purchase was excluded, even though XXXX was not listed under exceptions for the deal at the time. The representative acknowledged that the live site at the time did not exclude the purchase, and said they would investigate further. The next day XXXX was added to the list of exclusions, and I was told I would not receive the 5 % back, so I canceled the charge. Attached is a print out of the original deal before it was changed and a transcript of my correspondence with Discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I HAVE HAD AN ACCOUNT WITH DISCOVER CARD SINCE 2011. I HAVE PAID THEM AS AGREED MONTHLY EVER SINCE. HOWEVER, NOW THEY HAVE DECIDED THAT THEY WILL NOT GRANT ME CREDIT ANY LONGER? I HAVE NOW AN AVAILABLE CREDIT LIMIT OF SOME {$1500.00}. THEY REFUSE TO ALLOW ME TO USE THIS ACCOUNT? I AM VERY ANGRY ABOUT THIS TO SAY THE LEAST!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover Card Services falsely advertises, using the lure and encouragement of secure card offers for those with bad or challenged credit circumstances to apply - yet, they deny a secured application with dollar-for-dollar collateral despite their advertising on the website and, after multiple transfers to representatives and much time lost, no one can answer why? I feel their advertising and language is misleading and falsely representative ( contradicting ) to what they advertise and solicit, and they should be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
For five years I have never been late on a payment with the merchant. The company, despite receiving returned emails and messages that my phone numbers were no longer in service reported me to the credit agency for my delinquency. The FIRST time the company contacted me by physical mail on XXXX/XXXX/16 I immediately contacted the company and offered to pay the full amount of my bill off but inquired with XXXX XXXX in the CMA department why they did not send the physical mail to me before reporting me as delinquent despite knowing that my emails and phone numbers were both coming back as not being in service. For a simple cost of a stamp my credit would have been saved and I would have paid instantly. My credit took a XXXX point hit for an trivial balance that I would have paid if I had any knowledge of any outstanding balance. The company charged usurious interest rates + late fees of over 350 % APR on this balance.

Company response to consumer: Closed with explanation