vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX, as is erroneously reported on my Experian credit report. I have also never lived at XXXX XXXX XXXX. XXXX XXXX, XXXX, MA XXXX. I need for XXXX of these address to be removed from my credit report. I have also legally changed my name from XXXX XXXX to XXXX XXXX. I have provided my creditor with this documentation and they have not updated my name on my records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover does not aware the correct bonus rewards. I have a Discover card that has a Cashback Bonus Program Terms and Conditions that reads : " You will earn a full XXXX % Cashback Bonus on your first {$250.00} in combined gas and restaurant purchases ( " G & R Purchases '' ) that are posted to your Account each pilling period. At the end of each billing period, we calculate your Cashback Bonus by multiplying your first {$250.00} in G & R Purchases by XXXX % ( XXXX ) and all other G & R Purchases by up to XXXX % ( XXXX ) ( see " All Other Purchases '' section. " Gas '' purchases are those made at merchant locations where the primary business is the sale of gasoline. " Restaurant '' purchases are those made at merchants classified as full service restaurants, cafes, cafeterias and fast food locations. Purchases coded for category other than those listed above will not qualify. 

Well, I can look at my last statement and see that Discover is classifying a distinct and well known GAS STATION as a Supermarket so they do n't have to award the required bonus points. The merchant is a XXXX XXXX. If you look at the XXXX page for XXXX the very first line reads, " XXXX XXXX is a chain of gasoline and convenience stores in the United States ''. XXXX is clearly a merchant primarily gas station. I do n't know many people that use a XXXX as Supermarket over a Gas Station. I believe the Discover is trying to trick customers into thinking that they these purchases will qualify for the noted Gas and Restaurant Purchases, but are miss coded and will not award them. They hope customers wo n't catch this so they can reap the benefits from these transactions. 

Discover has the ability to code certain merchants for bonus programs. For instance, I have another Discover card that is running a rewards promotion that offers " XXXX % Cashback Bonus at Home Improvement Stores & at XXXX on up to {$1500.00} in Purchase ''. So Discover already has the ability to code a merchant ( i.e. XXXX ) to fit into a bonus category. I suggest that Discover add the gas station merchants to their gas station database so the bonus rewards as awarded to customers accordingly. I believe that Discover is purposely not awarding the gas station awards to customers in accordance with the card agreement so they do n't have to pay as much. They were just hoping that customers, like myself, would not noticed that they are not actually awarding the rewards when they make gas purchased. 

Additionally, I would like my account reviewed and all the past gas station rewards that were not awarded in the past to be added to my account. I am sure that I am missing a great deal of rewards that were not rewarded to be because of this misclassification by Discover. And I am guessing that many other customers have also be cheated on the cashback bonus program by Discover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I purchased an item in 2014. Five months after the MFG warranty expired, the item broke. After reading Discover Cards Extended Product Warranty information posted online, I opened an Extended Product Warranty Claim. I spent some considerable time gathering information to complete the " checklist '' requested by the warranty company, and was quickly denied. 
The denial was regarding my combined use of my Discover Card and a Gift Card. The Claim Benefit Services used a reason that contradicted the terms Discover Card has posted online. Upon further investigation, the warranty company stated that the product was covered under an old warranty policy which denied such a claim. The new policy would only cover the amount which was put on my Discover card. This seems a bit convoluted and I feel the ball has been dropped somewhere b/w Discover and their warranty company with me in the middle unable to use a benefit they are claiming I can use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
I had a debt with XXXX I had been paying. I had a car accident and became temporally XXXX with a XXXX and was off work for a long time. I finally got back on my feet but have some medical issues with some things that I need help with still. XXXX sold my debt to XXXX who I had been paying until I could no longer. Then they got Weber and Oclese to recover a large amount from me. I started paying on the debt in XXXX 2015 again. I asked them to accept what I could pay and I would try and pay them often until the debt was paid. They kept telling me to call. I did not wish to call because I need everything in writing. I continued to pay, and got a receipt from them thanking me for a payment of {$25.00}, {$100.00}, {$32.00}, {$12.00} payments starting in XXXX with an explanation BUT THEY STILL CONTINUED TO serve me with a summons. I kept paying and kept asking them to drop it and work with me on a plan. They ignored my requests after I told them that I could not pay a large amount and even though I was paying, they proceeded with got a garnishment with my local court and theirs to now lock onto my tax return even though I paid the debt in full! Now they say I owe them {$480.00}! 

The date of the first summons was XXXX. I had started in XXXX paying on this debt.I have submitted several receipts and continually asked if they would drop a pending summons of wage garnishment because I had been injured in an auto accident and was trying to get back on my feet. I have since found several medical problems from my injuries. I have other bills to pay but had also been trying to pay them. The requests went ignored and they kept telling me to call. Since I had a XXXX in the accident I got help with figuring out my finances. I could not call them because I get confused easily so my father had filed a complaint. It went ignored and they accused my father and mother of filing the complaint. They proceeded with a garnishment not only of my tax return but a judgement ruining my credit, even though I was paying on and paid it IN FULL OF {$440.00}. now say I owe them $ XXXX only had the {$440.00} and that is all it said on the website to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect
State: WI

Complaint narrative:
I have received XXXX voicemails from " Americollect, '' phone # XXXX, claiming they are trying to collect a debt from me, but giving no info. I responded using this email address, but gave no personal info, and asked what debt and for whom? I received an email response which gave no answers but appears to be a fishing expedition. 

I do n't know of any outstanding 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 2016-02-29 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I responded to a promotional offer which promised {$100.00} if I opened a new Online Savings account with Discover Bank. I completed the application and made the required deposit by the XXXX/XXXX/15 deadline. I have made several inquiries but Discover has not yet given me the {$100.00} bonus it promised. I just want them to comply with the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21 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: NH

Complaint narrative:
When I began the transfer process to study at XXXX XXXX in XXXX, XXXX, I researched many private student loan companies and asked each XXXX many different questions. When I contacted Discover Student Loans back in fall XX/XX/XXXX for my application they told me that I would be able to use an income-based repayment plan. I studied XXXX and have an excellent memory and also am very diligent when I sign up for things to know what I 'm getting myself into. But this time I made a huge mistake trusting some customer service rep ( male ) and he either did n't know what he was talking about or lied to me deliberately. Now I can not afford my loans. I had to leave my job at University XXXX in XXXX because the job relocated from XXXX to XXXX, XXXX and I was not able to take care of my health needs. I am unemployed and can easily find a job but not XXXX that I can afford my XXXX Discover loan and to assist my husband with paying his mortgage. I actually got married right before I graduated in XX/XX/XXXX and am trying to get my feet on solid ground and get a XXXX degree at XXXX XXXX ( I will be applying for scholarships and not depending on private loans ever again! ) but it is close to impossible to manage this crazy student loan. They did n't even give me a grace period!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
XXXX separate agents at Ace Cash Express have been contacting the references on my loan application and disclosing not only the details about the loan amount, date taken out, and payment due - but also confidential personal information that was contained in my application including my salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dyck-O'Neal, Inc.
State: MA

Complaint narrative:
I have been in an on going situation with Dyck O'Neal for debt collection from a foreclosure I had in RI. I purchased the home in XXXX of XXXX with a mortgage secured by XXXX, the mortgage was then assigned to XXXX XXXX. The home was foreclosed on on XXXX XXXX, XXXX. In XXXX of XXXX I received notice from Dyck O'Neal they were collecting the debt owed. Since then we have had a few conversations. On XXXX XXXX I returned a missed call from Dyck O'Neal and specifically asked them not to call my work number. Dyck O'Neal called my work number back that day. My supervisor has asked me numerous times why a debt collection company is calling looking for me at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: J&L Collection Services
State: CA

Complaint narrative:
Debt was sent to collections, rather than bill the insurance. Grievance was filed with insurance, and updated amount was paid. Debt collector has old outdated info, from before the insurance was contacted. Still trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 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: CA

Complaint narrative:
Received phone call from XXXX XXXX. I did find out that this is a residence phone number. 

Guy wanted the last XXXX of my Social Security number. Would not identify himself or the supposed company for which he was trying to collect a debt. He did have my name and phone number. 

I filed a complaint with the FCC which referred me to the FTC who referred me to you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
rushmore loan management services is not applying my payments sent by XXXX on time in order to allegedly generate late fees and retaliation for me complaining to the uscfpb for not applying m y payments on time. it is all over the internet they do this and they refused to allow my bank and bill payer service to send my payments electronically by federal reserve ach money transfer that would end all of these games they play. 

so I sent the following message to rushmore and my bank 's bill payer service told me they mailed the payment from XXXX, California to rushmore in XXXX California and XXXX XXXX, 2015 and received by them and as of XXXX XXXX rushmore still has not answered my previous complaint to uscfpb not given me my amortization schedule for this predatory loan that I never applied for and complained to the XXXX credit bureaus that it is not my loan and never applied for it and have no settlement documents for. 

so here is the message i sent t o rushmore loan management services. 

my bill payer service sent me a notice that the payment for XXXX 2015 was mailed to you from XXXX California on XXXX XXXX, 2015 and you received it on XXXX XXXX, XXXX it has not been submitted by you for payment. it seems you did this last month and credited my payment after the grace period on XXXX XXXX, XXXX allegedly holding the payment for crediting for 8 days before applying to my account. this time you still have n't applied the payment. the payment was mailed to you and the money is in the bank to pay it. why not stop playing games in order to generate late fees. it is all over the internet you do this illegal practice. 

please apply my payment immediately. I have contacted my bank and their bill payer service to find out why you have n't applied my payment for XXXX 2015 per your letter to me to that effect that I received on Saturday XXXX, XXXX, 2015. 

as I said they still have not answered my previous complaint and when I called them in XXXX they solicited me to do a loan modification when I have never been late or behind they are doing this to manufacture a default by not applying the payments. and coordinating with XXXX bank that also manufactures defaults by not applying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NV

Complaint narrative:
This property was surrendered to the United States Bankruptcy Court in a Discharged Chapter XXXX Bankruptcy. The US BK Court Trustee has been ordered to sell the property. We listed the property at Fair Market Value due to SQUATTERS in the property who stripped all kitchen cabinets, all light fixtures, outlets throughout the home, damage to the property, broke the double Master Bathroom sinks, the garage door was damaged by the squatters breaking in, the window in the master bedroom is broken out. TOTAL REHAB. We have an offer of $ XXXX and Rushmore, the servicer, states their investor wants to NET $ XXXX. We submitted XXXX and there was a XXXX XXXX XXXX that sold XXXX of 2016 for $ XXXX. I have XXXX comps that support the lower amount. All of the other properties are move in ready. The subject property has no kitchen, no working bathrooms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Please Help!! Have a Buyer for my home, doing a short sale with Rushmore Loan Management Services, who in turn, has us negotiating with there foreclosure law firm XXXX, XXXX XXXX XXXX, PC only to find out we have the short sale denied, we have countered with a higher offer but have been shut out with no further communication from there attorney. We have attempted to reach out to Rushmore Directly only to find out that they will not talk with us because we are in litigation, and will only talk to us if we withdraw attorney representation which would leave us unprotected. At this point I can not afford any additional attorney representation and my options are dwindling. I still have my buyer who wants the home who is willing to go higher in price.I believe that the reason there foreclosure attorney will no longer negotiate with my attorney is because they will obtain a higher fees if they foreclosure on the home. I have contractor estimates and photos to show Rushmore but they will not look at it, just by way of background this was with XXXX and then transfered to Setarus, and on the verge of an approval and was transfered over to Rushmore. I have even attempted to reach out to XXXX XXXX, Rushmore 's Ceo '' s office but would not be put thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
SWOME ONE BREAK IN XXXX HOUSE I DID REPORT POLICE EVERYTHING IS XXXX XXXX XXXX AND COMPUTER AND CHECKING STOLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AL

Complaint narrative:
Messages were left on my unlisted home telephone and on my cell phone number. The message also indicated that my place of employment would be contacted and that I would be served with a subpoena in my local county ref : Case number XXXX. Upon receipt of the message I returned the call that was listed in the call log rather than the number indicated in the message ( ) and spoke with XXXX XXXX and XXXX XXXX. XXXX XXXX proceeded to lecture me with regard to what he felt that I had done which rendered this cause of action. He refused to provide me with a physical address to respond to the complaint and indicated that I should visit the online website and make a payment on a payday loan from 2006. He transferred the call to XXXX XXXX who indicated that she knew my place of employment and did so by naming the place of business where I am currently working. She also indicated that she would neither provide me a physical address nor an email and would instead indicate my refusal to comply with the company 's request for payments. I do not owe any money to the creditor nor do I deserve to be harassed by them at my place of employment. I am on the Do Not Call Register and the company should not have access to my private/unlisted home telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
Out of the blue Meridian Financial SVC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, sent me a notice dated XXXX XXXX, 2015 about a claim of {$700.00} that was assigned to Meridian as collection agency ; no proof of a claim was provided ; we needed to respond in 30 days. In a registered letter of XXXX XXXX, 2015, I informed Meridian that we owned a timeshare at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX which we disposed off ten years ago ( XXXX XXXX, 2005 XXXX, and that we disputed that we owed XXXX XXXX any debts. Without sending me proof of this alleged claim, Meridian Financial sent me another letter that I did not dispute the claim (? ) ; I replied on XXXX XXXX that I did dispute the claim and that they needed to stop harassing me or provide proof of any debt owed. Today I was informed that Meridian put on my otherwise XXXX credit report a negative Collection Agency claim of {$700.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD

Complaint narrative:
Counterfeit checks were deposited into my checking account. I was told that I was approved for a loan and that they were going to deposit the money into my account, well money was deposited and I used the money to pay other bills, but soon found out that the checks that were deposited were counterfeit and I was charged for the money I spent plus fees for the returned checks. I am currently overdrawn by {$1100.00} and my bank account is frozen while my bank investigates. The loan company was ACE cash Express. This company also has the nerve to leave me threatening voicemail messages that I need to start paying back my " loan ''. I now have to open a new account and change all of my billing information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
In XX/XX/XXXX I applied to refinance my first mortgage XXXX ( XXXX ). The process went along smoothly until I needed papers to subordinate my second mortgage with Rushmore Loan Management Services ( XXXX ). 
The request for subordination was sent to Rushmore in the first week of XX/XX/XXXX by XXXX, my refinance company. On XX/XX/XXXX, Rushmore promised the subordination documents in XXXX-5 days. So the title company ( XXXX ) scheduled the closing on XX/XX/XXXX at my XXXX County home. I did not pay my mortgage for the month of XXXX because I was advised the total loan would be paid off in the first week of XX/XX/XXXX. 
The fact is, after promising the paperwork a number of times since, Rushmore did n't send the subordination documents until XX/XX/XXXX. That caused my rate lock to expire costing more money, AND added more money to my mortgage payoff at an interest rate of just over {$81.00} per day. Now I am saddled with having to roll an estimated additional {$3700.00} plus filing fees because my loan rate expired. When you cost that out over a 30 year loan, I will be paying ( a very conservative ) additional {$210000.00}!!!!!!! I spoke with a member of Rushmore 's Consumer Service Department, who agreed I should be reimbursed. But, I received a letter on XX/XX/XXXX stating Rushmore made no error, and my request to be reimbursed was declined.Is there ANY help you can offer?

Company response to consumer: Closed with explanation