vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivable Solutions Specialist, Inc.
State: CO

Complaint narrative:
account # XXXX I have contacted Receivable Solution account # XXXX. I have provided them my legal name and social ending in XXXX, birth date XXXX. They can not give me any more information due to fact that my social and birth date does not match, but this still show up on my XXXX credit report, debt does not belong to me. 

Phone # XXXX

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 2016-02-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Summit Financial Corp.
State: IN

Complaint narrative:
I opened an auto loan in XXXX XXXX with Summit Financial. They just set up a website for the company about 4 months ago. I logged on to pay my account last month. The billed stated that my payment was {$430.00} + {$110.00} miscellaneous fee= {$540.00}. I paid that amount. This month I check my online account only to see that This month 's payment included another {$110.00} miscellaneous fee. I called Summit to find out what this miscellaneous fee is and she explained that the {$110.00} was not being charged each month. It was for XXXX NSF fees that were applied to my account in XXXX. They are continuously charging interest on this {$110.00} even though I made a payment which was more than enough to cover it. Instead of applying my overpayment to eht {$110.00}, they have the funds " set aside '' for me until I have enough extra month to make a full payment. They said that I have to " request '' the money be applied to the miscellaneous fee. Also, this company just recently started sending out statements within the last 9 months. Before then, I had no way of knowing what is charged and what is due. I believe this company is unfairly collecting interest by keeping consumers in the dark in regards to this " miscellaneous '' fee collection and interest accrual. I have requested a copy of my entire transaction history, but I am sure that this " extra '' money they have sitting aside for me has been there for a while. And instead of applying it to my principal balance, they have been unfairly gaining interest on it while charging me additional interest at the same time.

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 2016-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/2016 I recieved a call from an XXXX that left a 40 second voice mail upon not being answered that said nothing. Upon researching the number I discovered that it was a collection agency that was sold a debt from XXXX. 
I called the number and spoke to a XXXX XXXX, who told that that I owed {$100.00} on a past due XXXX phone bill. 

I immediately told her that the matter was an error that was in the process of being solved due to a mess up on XXXX when setting up service. XXXX sold the debt prematurely to Amsher collection when they have acknowledged that there was a mistake made when switching payments over to another account. 

When I asked for a breakdown of the debt, I was told that there was {$94.00} due on a phone. When asking about the other rest of the money due on the account, I was told by XXXX XXXX " You should know about what 's due because it 's your account '' ; a statement berating me for asking to be granted rights under the FDCPA. 

In addition, Amsher Collection has not sent any notice through mail allowing me the right to verify the debt, nor my right to dispute as of XXXX/XXXX/16, or even that the debt was sold to them. Immediately after the phone call, I spoke to XXXX 's customer support about the matter and was told that I have to negotiate with Amsher Collection and that I should be given a breakdown of the phone bill through them, because the account has left XXXX. 

XXXX has mentioned that any possibility of buying the account back is impossible and that I have to speak to the collection company to settle the matter. I have not been given a proper break down of the bill and I honestly feel that the companies are asking for more money than they are entitled to, especially considering I have made multiple accounts to have the matter fixed in person and over the phone with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
I have disputed this account with the credit bureaus on several occasions as well as disputed with State Collection Service. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 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: Amsher Collection Services, Inc.
State: OR

Complaint narrative:
In XXXX XXXX of 2015 I received a postcard from Amsher Collection stating I owed Century Link {$290.00}. There was no other information given. I requested by mail a validation of this debt from Amsher. I have not received a validation. I received my credit report on XX/XX/2015. XXXX has placed a negative entry on my credit report. The entry states the date when placed on the report XX/XX/2015 and a balance of. {$290.00}. I do not owe XXXX XXXX any money. I do not know any dates associated with this account as none were given just that I owed it which I dont.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: POPULAR BANK
State: CA

Complaint narrative:
We had a water damage at our home. XXXX XXXX issued us XXXX check and a XXXX check to rebuild the home but put the bank name on the checks. The bank took the check for XXXX because that is the total amount that we owe on the house ( the loan amount is XXXX ) so they held that entire amount of the loan and refused to issue any draws off the total loan amount. The bank would not release the checks to us until the house was XXXX % complete. We put our own money into rebuilding the house, the bank came out and inspected the property and said the house is XXXX % complete. Then the bank would not release the XXXX check and is telling us that we need to endorse the new XXXX check and they need to put that new check also in an escrow account. Popular Mortgage Service of XXXX Ohio is currently holding over XXXX of my insurance funds, of which all repairs are complete, and then the XXXX which I asked them to sign over to us, they also will not allow us to have it and they want to hold that in an escrow account too. Please help.

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 2015-04-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: SIMM Associates, Inc.
State: AZ

Complaint narrative:
I get numerous calls everyday from www.simmassociates.com. 
Over the last year and a half I have worked and negotiated all but a few of my credit cards. 
Those I have kept are in good standing. 
This company appears to have harrased many people and trying to collect on debts that have been paid or negotiated. 
They need to stop. they will not listen to anything the consumer says and are harassing on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
Based on information and belief, I have continued to request for validation and the alleged debt. I have, and continue to request for validation but to no avail. I never received any communication from Attorney XXXX XXXX XXXX. I did not make the charges that they allege, she did not submit a copy of the contract with the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/2016 Insurance loss check was sent to DovenMuehle Insurance for endorsement to pay for insured repairs to property. The check was in the amount of {$15000.00}. 
Two months later, XXXX XXXX, 2016 the check was returned to me for my signature at which time DovenMuehle cashed the check. 
On XXXX XXXX, 2016 ( three months later ) I received a check for {$5200.00}. The only correspondence I have rec 'd from DovenMuehle was the check and a blank lien waiver. Apparently, I was supposed to front all of the monies for repairs. 
XXXX XXXX, 2016, I returned the completed contractor lien waiver, via priority mail with a request to release the remaining funds. No correspondence from DovenMuehle. 
On XXXX XXXX, I called and after 30 minutes talked to the Loss Draft department who informed me that they needed an inspection before they could release the funds and that could not be completed for a minimum of 10 days. I was also told that this process had been outlined in their correspondence to me. I have never rec 'd anything from them regarding this claim. 
Please note that the insurance check was not the final XXXX it was in fact the funds necessary to complete the work. DovenMuehle has been retaining those funds for almost 5 months with no resolution. Can you please investigate?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Applied Data Finance, LLC
State: FL

Complaint narrative:
I received a mail offer from Personify. I went to their website to see available offers. At each step, their website indicated that I could check my offers without impacting my score. However, there is now a hard inquiry on my credit report. I called the customer service center to get the hard inquiry removed and was told by agent XXXX XXXX that the inquiry would not be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
The Credit Card Accountability Responsibility and Disclosure Act of XXXX requires that when a borrower makes payments in excess of the minimum amount, the extra amount must go to balances with the highest interest rate first. Discover card has failed to do this for at least a year, causing me to pay over {$400.00} in interest that I should have not had to pay. Their not following the law is most obvious last month ( XXXX XXXX ) when I had a balance of {$2400.00} subject to a 22.24 % interest rate, and a balance of {$6400.00} with a 0 % interest rate. The minimum payment on XXXX statement was {$170.00}, however I paid {$6500.00} for that month 's payment, which is obviously a lot over the minimum payment. Since so much of this payment was over the minimum payment, according to the Act, the {$6300.00} over the minimum should have gone to the {$2400.00} at XXXX & interest, and should have paid that balance off completely and no more interest should have been incurred. Instead, on my XXXX XXXX bill, there is still a balance of {$450.00} subject to the 22.24 %. This has been happening through XXXX. I contacted Discover customer service at the end of XXXX and questioned them about this and they said that I did not understand the law correctly and that they could apply the payments in a proportionate percentage. Upon my reading of the statute, and other commentary I 've read regarding the statute, I believe that Discover is incorrect and is charging interest when I should have been able to pay off the 22.24 % interest balance a long time ago through my consistently paying more than the balance. I do not know the exact amount they would owe me for this incorrect application of my payments, however I believe it to be over {$400.00} from both XXXX and XXXX interest charges that were charged incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 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: Revenue Collection Bureau, Inc.
State: PA

Complaint narrative:
I received forms from a collection agency called RCB Revenue Collection Bureau , Inc. representing the City of XXXX. The agency did not list an amount owed. It sent forms that would divulge personal and private tax information that they would use to see if I owed any debt. The forms contain a fake letter from the City of XXXX, Department of Revenue. I refuse to give this company any information. I would assume that if this collection agency was working for the City of XXXX that the city would have provided them with my Business tax account number and any debt I may owe. I am currently up to date with my taxes and do not owe anything to the City of XXXX. I want other business owners in the City of XXXX to be aware of this fraud. I would like you to contact this agency and tell them to stop this fraudulent activity. The forms were mailed to my old address not my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
I applied for a Home Equity loan from Discover Bank. They took 2 months to process my request and refused to do an actual appraisal on my home, thereby lowering the amount of the loan, raising the LTV, and raising the APR since their rate is based on LTV and loan amount. I was forced to go to another lender to get an accurate appraisal so that my loan application was processed correctly. The other lender appraised my home for {$55000.00} more than Discover who refused to use anything but county records to determine the appraised value. This difference allowed me to obtain the full amount of the requested loan that I asked for at less than XXXX % LTV where discover reduced the amount available to me and said I was at a XXXX % LTV even with the lowered loan amount. I want the loan inquiry removed from my and my husbands credit since they refused to acquire accurate information to process my application and this additional inquiry is dropping my FICO scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover called my employer and co -workers multiple times, trying to find out what my personal cell # was and personal ifo about me, They ask a male coworker if he was my boyfriend and did he live with me. Continued to call these same people after Being asked to stop.Excessive contact on my home phone.When I changed jobs they started again with the same behavior. I have proof of who they called.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX has called me to sue me over a debt from XX/XX/2008. Here in Texas the SOL is 4 years. However, they have failed to give me their location and have refuse to send me anything through mail. They want to collect money from me throughthe phone only. The phone they are calling me from is XXXX. I have recorded every call from them. Person I spoke too supposedly is called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC
State: MN

Complaint narrative:
I 'm being charged 611 % interest my original loan was for XXXX I already paid over XXXX back and then some. I have been trying to contact to resolve the debt and have had no luck?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-14 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: GA

Complaint narrative:
Wonder if cooling and winter can still collect on debts from XXXX debts that they not own or got to legally go back court for each debt judgement because the judge did not sign there company that judgement or debt or that they have rights to collect and if do collect unfairly should consumer be refunded to. Amount of payments as restitution

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: UT

Complaint narrative:
In XXXX XXXX I rented an apartment with XXXX XXXX XXXX owned by XXXX XXXX for 1 year contract to end in XXXX XXXX. In XXXX I gave the first notice so i can move out on XXXX XXXX and the manager at XXXX said the notice it is less than 30 days, so i had to stay one more month. In XXXX I put another notice in the drop box at the XXXX XXXX office, and i moved out in XXXX. Few months later i called them to claim my deposit and was told they could not find my notice. I then went there to follow up and the manager repeated the same thing saying my notice could not be found, few seconds later, after she took time look again, she said she remembered seeing before but it was a late notice, and so she could not refund any deposit, they would keep it until I pay one more month or she would deduct that from the one month rent that was due. I told her that was not right, she could charge me because my notice could not be found, and left. Months later i started getting bills after bills urging to pay otherwise it would be sent to collection. A month ago I went to visit a banker and was told I have a debt collection on my credit report. So i tried to contact XXXX and was told that it was Updated, it could not deleted, that I still have that to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
I rented an apartment for 1 year, I gave a 45 day written notice prior to the date my lease was up and moved, 3 months later I received a letter stating I owed them over {$3000.00}, for not giving notice and early termination of my lease. Now the debt is listed on my credit report and I have little proof that I did give them notice and I have both my lease from there and the lease from the place I moved to, which the dates from those prove that I did n't terminate my lease early. I do not know how to go about getting this removed from my credit and I have never had any other problems with any places that I have rented before then and after.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I sent a payment for {$40.00} to Discover. They ran my check as {$740.00} on XXXX. I talked to them on XXXX and was told that it was an automated error. They pulled my check and said that it was clearly written for {$40.00} and they did not know why the automated system read it as {$740.00}. The amount caused my bank acct. to be overdrawn and I had no access to my money. I was told by Discover that it is an automated process and the system could not be over-ridden. And that their system would try to post my check a total of XXXX times before being kicked back. They were able to credit the money back to my bank on XXXX. I thought everything was taken care of, then Discover tried to post the check for the same amount again on XXXX. My bank acct. was again over drawn and I had no access to my money over the weekend. I called Discover again on XXXX and explained the issue again. I was told that my acct. would be credited again on Monday XXXX. It was not ; so I called again and was told that it would take up to 15 days to resolve the issue while they do an investigation. Meanwhile, I can not access any money in my bank account because of Discover 's error. I can not withdraw cash! I can not use my debit card to buy gas or groceries! I can not pay other bills because the checks will bounce since Discover has essentially locked up my bank acct. and I 'll end up paying either late fees or returned check fee. There is absolutely no excuse for this and their should be some way Discover could go in and manually override their system when they make an error such as this regardless if it is automated or not. At the time of this writing I still have no access to the money in my bank acct. because it is shown overdrawn because of Discover 's error and not rectifying the situation in a timely manner. And I have no idea when I will be able to access the money in my bank acct because of this.

Company response to consumer: Closed with monetary relief