vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called First National Collection Bureau , Inc, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2016, I received a letter from XXXX XXXX XXXX that a check was presented for payment in the amount of {$110.00} from Global Client Solutions of XXXX, XXXX. I had just {$100.00} in the account so FCU returned the check and charged me a {$41.00} NSF fee. I have never ever heard of Global Client Solutions and did not write them a check or provide anyone with that name my checking account information. FCU did refund the NSF fee but I was forced to close my account since it 's obvious that someone has my check account information illegally. I want action taken against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 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: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
XXXX XXXX XXXX allowed me to register and get books on financial aid. Two days after class started, they decided not to allow me to use financial aid after I have purchased books on my financial aid. They refused to take the books back and stuck the balance on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Executive Acquisitions Group, LLC
State: CA

Complaint narrative:
I have been contacted by a company Executive Acquisition about a payday loan I had with XXXX. I asked for them to verify the loan and the person I spoke with said at she would send the letter. She also stated that XXXX was a financial institution so she was going to sue me for attempting to defraud a financial institution and they were going to suspend my drivers license. She further added that although portions of her information was incorrect, the judge would not care about that part just the amounts owed mattered. After she sent the verification letter, it had only XXXX debt collector and no trace of XXXX or any of the previous collection attempts. 

I did my due diligence and found that XXXX is not a financial institution, it is classified as a financial service. And that even if they take me to court they can only suspend my drivers license for lack of child support payments and losing a court case involving an accident and not paying on the judgement. 

Needless to say, after educating myself and finding her information not credible, I was not in a big hurry to speak with her again. No after three days, she is adding some evading the payment or some such thing. I will be sending a certified letter to both organizations tomorrow. Apparently EAG is collecting on behalf of XXXX XXXX, XXXX. 

EAG claims to have strict adherence to fair collection laws but I have not found that to be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Gitsit Solutions, LLC.
State: TX

Complaint narrative:
The whole purpose of the suit is due to wrongful foreclosure on XXXX XXXX, 2015. We have challenged Kondaur the proof of the matter, they refused to show up for Federal Court to prove themselves to be right in the First place. This was discussed on several occasions. They could not provide to us any evidence. Therefore, they did show up for Federal Court, nor did they respond to XXXX because Kondaur did not have any proof their only proof is to evaded in every way. The fact that Kondaur breach the loan modification and forbearance plan is evident enough. 
This case should not have escalated to this status. All Kondaur had to do was to continue the modification that was set forth by XXXX and continue to accept my payments {$1100.00}.. We disagree with the opinion of the court, we had requested a mediation and trial in person. Further documents will be filed as suggested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
I never did this program and never received money from a loan or supplies to take these classes. They filed a lien against me and never served me papers so they violated my rights by not allowing me notice to defend myself in a court of law. Also who received the money from this loan? This is the XXXX XXXX and it is a fraud program that is why I never enrolled. Please put a stop to these illegal actions of falsifying court records saying they served me. I would like proof of who signed those papers please. Thank you for your help this is very disturbing! And is showing up on my credit that is how I found out about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
Company claims i owe money for returning new phones within the allowed return time. I returned them the day after i received them and let the company know i was returning them. I was told there would not be any charges or fees for returning them within the proper return time. The limit was within 14 days. I was within that time because i returned them the next day. I talked to a number of people and told me everything was ok. Later i get a bill for XXXX. I would definitely pay it but i feel the company is not holding up to their return policy. I am very disappointed with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
A representative from SOCO Finance knocked on my apartment door at XXXX on XXXX XXXX, 2015. The representative continuously knocked for ten minutes and then placed a letter in the door. The knocking frightened my children as they were uncomfortable with someone knocking on the door at late hours and caused my dog to bark ferociously. Our apartment has a sign that states no soliciting and therefore there should be no one knocking to solicit any information especially at such late hours. I called SOCO Finance at XXXX on XXXX XXXX, 2015 to speak with the manager. I spoke with XXXX the manager concerning the issue. He said that he will continue to come to our house at such late hours and will come again tonight. He was very unprofessional during our conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
I have received several emails from Ace Cash XXXX. They are constantly harassing me regarding a debt that has been settled in a bankruptcy in XXXX

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 2015-11-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
I have been paying this loan and the balance owed on the the loan remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I contacted this company last year in the hopes of settletling a debt, the representative threated to send an attorney after me. Today i attempted to call them again and the representative XXXX would not let me speak, he claimed he did not want to hear my sob stories, that those were my problems not his.

Company response to consumer: Closed
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Wilson, Riley & Associates
State: TX

Complaint narrative:
Received a voice mail from an XXXX XXXX stating she was from XXXX XXXX XXXX XXXX. Said she had a summons to deliver to me and would be there Friday morning between XXXX and XXXX and wanted to be sure I was there. Also called my mother and demanded she contact me. My mother said please do not call her she was told they have every right to call as she was listed as a reference and the only person who could take her off would be me. I called th number given in the voice mail XXXX XXXX XXXX. I was transferred to a man who refused to tell me what this was about and told me he will continue to call my mother as he has every legal right to. Told me that he understood it would be hard for me to understand since XXXX XXXX has XXXX of the lowest XXXX 's in the nation. Said I was a XXXX debtor and he was sure I was getting calls from other people because I was XXXX and I didnt pay my bills. I asked what this was in regards to he said we just need to know if you will be home Friday cause we have been there before and no one was home. Told him they have called me before and he said that was a lie and that I was a liar. I asked him again what this was in reference to he refused to tell me. He continued to berate me and call me XXXX and a low life etc. This is clearly a debt collector and the number is registered to XXXX XXXX. If this was a legit legal issue there would have been a local number and the address they are trying to serve me at isnt my current address it is my ex-husbands house. If it was XXXX XXXX County they would know my address. My ex works from home and said no one has ever been there before and said this is a scam and to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: NH

Complaint narrative:
First National Collection Bureau , Inc. through XXXX is attempting to collect a debt that has long passed any legitimate time frame to collect. In FTC XXXX ( 2009 ) the Federal Trade Commission made is clear the defining terms on a legitimate collection. The first one being that is the debt collectible within state guidelines of the consumer 's domicile. This time line has passed several years ago. I have attached a copy of my complaint directly against XXXX for doing illegal collection practices and for re-aging the legal timeline for removal. I demand that my file with First National Collection Bureau , Inc. be purged immediately and permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
we fell behind in mortgage, way behind. we have tried for loan modifications several times. one company took {$2500.00} and closed up shop taking my money with them. Rushmore, the mortgage company told me they would do modification for free, take 30 days. I called about 3 months later after never hearing anything even after phone calls and told they never did it and it takes 6 months!. we have gone to many people, taking money up front, even after I told husband not to do it, and no where. I cant do thru bank either. Now on XXXX XXXX I got a letter telling us that we had to sign our keys over to Rushmore by XXXX, 2016. That we would get only {$2500.00} AFTER they decided if it was acceptable to them. I have since got a letter from a lawyer telling me that the auction on property is XXXX XXXX, 2016 at XXXX XXXX. If it is being sold at auction then Rushmore is in now way going to give me moving expenses since they will then no longer own property. we have not sent back their letter. I do not have means to move as rents in my area are as high as mortgages! we also have a XXXX yr old son that they are putting out on street. We need longer then XX/XX/XXXX to get up funds and need much more then the {$2500.00} they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My house was illegally foreclosed on XXXX/XXXX/2015. The bank did not generate documentation that they legally hold the original deed and the title nor they showed any interest in numerous modification attempts that I tried. Please help me resolve this situation and get my house back to me. I know for a fact they have fraudulently foreclosed on me and the mortgage audit has shown that they have committed a securitization fraud at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Dyck-O'Neal, Inc.
State: NY

Complaint narrative:
My ex husband and I owned a house in XXXX, NY. As a result of our divorce, we had sold this house as a SHORT SALE XXXX 2013. Our mortgage company XXXX XXXX used XXXX insurance company for the PMI insurance. After closing of this home, XXXX sold the loan to DYCK O'NEAL collection agency. DYCK O'NEAL then came after my ex husband and I for {$50000.00}. Because of this, my ex husband filed bankruptcy and included this {$50000.00} in the bankruptcy process. Since he was no longer responsible for this, DYCK O'NEAL has now been after me for the FULL amount of {$50000.00}. It shows up on my credit report and is a red flag which is not fair since it was a joint account. My question is why is this {$50000.00} if this was part of my mortgage payment that I paid for four years prior to the short sale. Also, if it was included in the bankruptcy files, why is this still a problem? DYCK O'NEAL has not wanted to work out a deal with me or help me with REASONABLE payments. Now, after speaking with many different mortgage companies and banks, I 'm realizing that this may all be in error or I have been a victim of a scam. The bank representatives told me that they have never heard of the PMI collection agencies requesting this large amount before. I just want to make sure that this is legal and would appreciate information on how to proceed. If proof of my ex husband 's bankruptcy is needed, I can obtain those records. I am attaching the closing documents from my short sale to prove that I no longer have this property and that all paperwork was indeed complete. Thank you for your help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
After retaining counsel in XXXX of XXXX due to contact by XXXX XXXX XXXX a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with XXXX XXXX XXXX in XXXX OH. I am on XXXX, as my only source of income. 
Being a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my XXXX barely covers my monthly overhead. 
Efforts by Attorney XXXX to reach XXXX XXXX at XXXX XXXX XXXX to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. 
A complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - XXXX XXXX XXXX has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
First of all, thank you for handling my Complaint. 
After reading the Consumer Financial Protection Bureau Rules to protect homeowners,I can briefly write my Complaint by saying that:"Rushmore Loan Management Services has violated each and every one of the Rules"
I am trusting that you will base your final conclusions on facts and evidence and not words written in a piece of paper, that is why I am presenting each of my TRUE statements with documents attached.
Please, know that the least I expect is the same from Rushmore.
On XX/XX/XXXX 2014, Instead of Rushmore informing me that they were the NEW Servicer, I found out because I received an e-mail XXXX, saying that Rushmore was going to continue processing my Loan Modification request and Rushmore HAS NOT UNDERWRITTEN MY FILE! (Exhibit G).
For fifteen months I have been calling and sending e-mails and ALL Rushmore's employee refused to talk to me. All of them refer me to Rushmore Attorney, XXXX who does not answer either!
My Complaint has more characters that the ones remainning therefore I will be attaching my three pages Complaint for your review and consideration.
It is with gratitude in my heart for the existence of Consumer Financial Protection Bureau that I place this complaint against Rushmore.
Sincerely,
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 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: YSA ARM LLC DBA Oxygen XL
State: CA

Complaint narrative:
I received a debt collection notice from Oxygen Recovery Group claiming that I owe XXXX XXXX {$880.00}. I have requested proof of this debt and have received nothing from them other than a threat that if I do not pay, they will report me to the credit bureaus. I do not recognize XXXX XXXX as an entity with which I have any business dealings. Further, I have no way to contact them to verify the debt, if any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation