vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-20 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: CA

Complaint narrative:
i got a collection letter from First National Collection Inc. They say i owe a debt from XXXX XXXX of {$240.00} from back in 2007. i have contacted XXXX and they have no record of me having an account with them. I contacted First National about the issue and both the people i spoke with were extremely rude. i explained to them that i had never had an account with XXXX XXXX and that i contacted XXXX and they have no record they told me that they wont because they sold the debt. I informed them that they would have record because the are obligated to. They reluctantly said that they will file a dispute and i was waiting on hold and than the supervisor hung up the phone on me. i called back and she said that there was nothing else and since i think i know everything that is why she hung up. when i asked for any info on the account all she gave me was the date when they bought it and the addresses they had on file and wouldnt give me any other info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I received a phone call from a relative stating that company said that I have charges pressed against me and I am going to jail. The relative gave me a phone number to call. They said that they are the county legal office. They said I took out a long term for a bank. They saw me go into the bank. I never took a out a long term. Today, I googled the number that was given to me ; ACE payday loan pop up once. I did take out a payday loan that was short term in 2014 and was paying on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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: FL

Complaint narrative:
I have a debt from First National collection that I am not aware of and it looks like fraud. I do not have XXXX and never opened an account. I have moved from the XXXX in XX/XX/XXXX and lived at a friend on XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. 

XXXX 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 2016-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO

Complaint narrative:
I had an FHA mortgage from XXXX XXXX XXXX. I was divorced and my husband gave me the house in the divorce settlement. I tried to get a modification from XXXX XXXX XXXX, but it was denied. Then, my mortgage was somehow sold to Rushmore Loan Management Services. It 's no longer an FHA mortgage, and they WILL NOT work with me to complete a short sale. They are demanding that I find a buyer willing to pay MORE THAN the original outstanding principal balance, and MORE than the current appraisal value. This will go to foreclosure auction on XXXX/XXXX/2015, and I will be forced to declare bankruptcy if they come after me for the deficiency, which I can not afford. How was XXXX XXXX XXXX allowed to sell my FHA loan and convert it to a conventional loan, and why was a non-HAFA participant allowed to acquire my mortgage? Rushmore has been totally uncooperative and expects this house ( with non-insurable aluminum wiring and in need of a new roof ) to sell for MORE than it 's worth and far more than I ever owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
My loan was transferred to Rushmore Loan Management company in XXXX, 2015. Prior to the transfer, my initial loan company had granted me a debt forgiveness of a significant amount. Rushmore, is currently modifying my loan based on my initial loan amount and totally ignoring the amount forgiving as well as payments I have made to reduce the principal balance on my loan. The modification offered is another 30 year mortgage with the principal balance equal to my original purchase price. This ignores 9 years of payments and the loan forgiveness by XXXX. This is clearly a breach of contract and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
Dear XXXX, My husband and I are being constantly harassed by a collection agency for a debt that has expire under the " statue of limitation. '' We have sent them letters for the last three years telling them to stop sending us these letters collecting debt that we do n't owe anymore! 
Can you please handle this very annoying matter for us. Thank 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 2016-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Wilson, Riley & Associates
State: MN

Complaint narrative:
My husband received a phone call from an " unknown '' number the week of XXXX/XXXX/16. He did not answer and they left a voicemail stating they were looking for myself. They used my maiden name ( I 've been married for 4 years ) and they stated they need to serve me a summons. They stated I need to call them back and ask to speak to the arbitration unit and reference a summons number ( which they provided in the voicemail ). She said if I do not call them back, " I will come to your home and your job to serve an arrest warrant ''. This lady also called my father and my brother, both who live out of state. The following week I received 5 calls, all within a matter of 2 minutes, from the same unknown number with a voicemail saying the same thing as above. I feel very threatened by this. I only have XXXX things on my credit report that need paying on, all of which I am doing so and have been in communication with those companies. I do not know what this is in regards to, and I am not going to call them back. I googled the phone # and there are many complaints from this company from other people. They call you and threaten to have you arrested by coming to your home or place of employment. This is extremely unprofessional and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: HireRight Solutions, Inc.
State: CA

Complaint narrative:
HireRight Inc. provided inaccurate information to a prospective employer jeopardizing my employment opportunity. I was asked to provide proof of self employment which I did. In spite of providing county and federal documents they were not reviewed by anyone and an inaccurate report was provided with incorrect dates and information I contacted HireRight immediately but was told it would take 30 days to resolve and they would not allow me to speak to any managers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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 husband lost his job and only received one month of unemployment benefits. During this period we reached out to our lender XXXX to see if they could offer us a modification. They sent us an application and we received a letter dated XXXX/XXXX/XXXX and our new trial period plan would start on XXXX/XXXX/XXXX in the amount of {$1200.00} which is a difference of {$340.00} from the original payment of {$1600.00}. We completed the 3 month period and would call XXXX on the status of the modification with XXXX XXXX the relationship manager for the loan account. She indicated to us to continue making the {$1200.00} payment and just just waiting for the final docs. We continued making on time payments up to XXXX XXXX a total of 9 months. We did not receive a call from XXXX just a letter stating " Interest Rate and Payment change schedule from 2 % to 4 % on XXXX/XXXX/XXXX in the amount of {$1600.00} and on XXXX/XXXX/XXXX to 4.75 % {$1700.00} P & I only! That is huge difference of over {$500.00} a month compared to the {$1200.00} included taxes and insurance. The reason we not got the final was they were waiting for the rate to take affect which we were not aware of but they XXXX should have complied with what they offered us in the first place to modify our loan. We are currently 11 months behind at the present moment. XXXX has since transferred the loan to Rushmore Loan Management services which they have failed or deny our modification because of our income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
I went to ace cash XXXX in Minnesota .... To cash money order ... XXXX One person only there ..the person told me to sign it n give social ... .then came bac saying could not cash ... ruining that money order ... She looked at me laughed n said sorry nothing I can do ... she then later a few days ..that she had expressed to another coustumer that I was there to cash money order but could n't and I caused a science ... which was not true ..I feel like my private info was told n discussed and a person came n told me about that ..I was like how did u know ... .was said XXXX XXXX working there told her ... .how imbrassing n my rights have been violated., ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: First National Collection Bureau, Inc.
State: PA

Complaint narrative:
More than a decade ago, I began receiving debt collection letters and calls regarding a XXXX XXXX loan for someone with a similar name. Its not on my credit bureau. Its not identity theft. Its debt collector " skip tracing ''. I have received over XXXX calls and letters and I just received another. Every time I contact the collector they just re-sell the debt to someone else, for more than a decade. Then I receive a new set of calls and letters. Its been a dozen different fly by night collector organizations. The current letter is from First National Collection bureau. This is a long time harassment that I would like to see ended.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
First, and I realize this is not an illegal business practice, I am very upset that I was sold this card at my bank and was not told that they were partnered with a 3rd-party service provider, rather than handling the debt themselves. This card has been the bane of my existence! 

My chief complaint, however, is that I recently learned that Cardholder Services does not permit online update of auto-pay information, although they provide a way to update bank information online. According to the representative I spoke with today : " We do not know that [ you ] have changed bank accounts just because you update the bank account information on our website. How would we know this? '' So despite the fact that I changed my bank account information on their online portal in XX/XX/XXXX when I changed banks, Cardholder Services attempted to debit my old account, I got hit with a returned item fee, and I had to deal with their abysmal joke of a customer service representative. Apparently, the only way to change auto-pay is to call Cardholder Services, have them update their database, then go online and set up auto-pay again. Insane! 

During that call, I authorized my domestic partner to speak on my behalf and my partner requested that a copy of the cardholder agreement or other document that stated that I was required to call them to update the auto-pay details be mailed to our home address for our review. Immediately upon my partner requesting this, the representative refused to speak with her any further, which given that Texas is a Community Property state and we have a notarized document declaring that we are responsible for each other 's support ( debt included ), I 'm fairly certain my partner has the same legal right as me to request said documentation. I 'm also fairly sure that policies such as this must be in writing. I 'm also fairly sure this representative refusing to speak with my partner when I instructed her to discuss these matters with my partner is illegal and discriminatory! My partner asserted a legal right and I want to understand why we were treated as morons ( the representative spoke to us as though our combined XXXX ) and I had to re-request that the documentation be sent ( with no assurance that it would be ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Principal Group, LLC
State: FL

Complaint narrative:
This debt collector has called me numerous times from a private number, contacts every single member of my family numerous times, and has called me at work. They even called my oldest daughters boyfriend, who has never been affiliated with me, on a phone number he just received 3 days ago. I have told them to not call me again, I do not owe this debt and the calls keep coming. They are now stating that they have a case against me and they want my home or work address so they can serve me papers. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I have been working on this short sale for awhile now. I had XXXX approval letters on hand XXXX for XXXX and XXXX for XXXX. The reason for lower offers is this house has a lot of repairs. Also, the furnace is not working. When the loan was transferred from nationstar to rushmore they said we would be able to pick up where we left off but they ordered a new BPO and the value came back at XXXX. It is hard for me to believe that in 3 months the property value can go up XXXX. There are houses listed for this amount in the neighborhood but they are regular deals and in prestige brand new conditions. Why is someone going to offer XXXX on a house with a bunch of repairs and that you wo n't even have heat in the winter when you can offer it on a brand new home. 


The appraiser did not know how to read instructions and he got mad that he went to the property and could n't open the lock box. I think he got mad at the realtor and took this appraisal personal by jacking up the price. I work in real estate and never in my life have a seen market value jump up XXXX. There was XXXX BPO done by the previous lender and both came in at XXXX and XXXX range. My client is being treated unfairly in this situation and being denied the chance of getting a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I pay an annual fee to US Bank for my credit card. XXXX of the benefits of this card is that it has a benefit, the says the last night of my award booking is free. I have had this card for 2+ years, I understand how this works. This year, right after I paid my fee, US Bank announced that they will discontinue the free night benefit as of XXXX 2015. The free night offer was listed on the credit card application from US Bank. I wish the Annual fee to be refunded and a bonus of XXXX points be put in my account as damages to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
US BANK made an unauthorized credit inquiry to my XXXX credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
There were several items that were never dlivered form XXXX so a series if cgarge backs intitiated. As US Bank is the lease customer advocate organization in the world, i recall that they didnt follow the procedure nor process for follwing the law and submitting my chargeback. 
I reccomended we close the card out so it couldnt be shared amoingst other parties. I assumed that they would send me my new card out. However when It didnt show for 2 weeks, I got concerned. I called them and US Bank said a new card wasnt issued. They lied and said it was because i didnt want one. That is a complete lie, fabrication, and a shocking statement for a bank employee to make. You would think once it was identified that there was an issuem, which was the fault of the bank, they would reissue the card, They havent and I want a new card.

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 non-monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Campus Student Funding, LLC
State: NV

Complaint narrative:
I attended XXXX XXXX, XXXX, NV XXXX, and received a private student loan with payments to be made to XXXX XXXX, during and after completion of my studies. I subsequently learned that my payment obligations have been transferred to Campus Student Funding ( CSF ), as a result of DOE finding XXXX was engaging in bad practices. Furthermore, I came across information that private student loans were to be discounted, yet CSF is still seeking the full original loan amount.

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 2016-02-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: KS

Complaint narrative:
I transferred money from my card to a bank account. The same night i was charged again. I spoke to customer service three times and was told to wait 24 hours. Which i did. I was then hung up on when i called again and asked for the eztra charge to be reversed and my money put back on my card.

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 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
they took my whole social security check i had no food my bills got turned off

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 2015-08-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: OH

Complaint narrative:
I filed for bankruptcy 12 years ago that was discharge and XXXX/ XXXX XXXX XXXX transferred the loan to RCS ( Residential Credit Service ) and they are now reporting on my credit report and calling for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FIRST NATIONAL BANK OF OMAHA
State: RI

Complaint narrative:
My credit card was used with out my knowledge or authorization by my XXXX year old son. 
I had previously bought online gaming for him. And I did not realize the credit card information was stored on the computer. My son did n't understand he was using my credit card. There are multiple and duplicate transactions that if you were to look at my statement anyone could realize something was n't right. 
According to my credit card contract I have zero liability for transactions made with outmy authorization. However I was told in writing that I am responsible and its not considered " fraud ''. I never said it was fraud, its " unauthorized transactions '' I believe this wording of theirs is what is protecting them and not me as in my contract with them. 
Please advise, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
Card suspended with no prior notice and no arrearage, for alleged missed payment despite web posting showing next payment due XXXX XXXX, 2017, and no indication that anything was amiss or irregular.

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 2015-09-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank Corp denied me the ability to rescind a credit card offer violating federal law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation