vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I am wanting to report an issues with XXXX of my creditors auto payment that will not withdrawal properly from my bank account even after several setups causing me to have to constantly log in and pay manually and I finally figured out that the issue was not on my end for being reported late and impacting my credit report. After the several attempts before of setting up autopayment and it not paying. I figured I was thinking to myself that I may have forgotten to so I did a manual payment before. I was basically second guessing myself since I was thinking a creditor website should always have this working. This is during the beginning year when starting to use this creditor. Then I just started to just continue to log in and pay manually until around XXXX and XXXX I decided to set the autopayment again. Not thinking I didnt log back in because of my busy schedule to the site to check and thought it would go through this time. After later on finding out that I got a negative report that I was 30 days late. I decided to try one last time and setup autopayment after I got that. Then I logged back into their site and found out I was late yet again and no auto payment from my bank account yet again, fortunately I logged in again and did a manual payment before the 30 day mark. This creditors system is not functioning properly to do any autopayments for me. I am requesting for them to remove my 30 day late negative report for their haste of system issues. The third time setting up autopayment and not working is a charm to finally wake me up and understand that their website is not fully doing any proper auto payments. Do you know what are my options on getting this resolved to have the negative report removed. Do I need to submit a claim to a court to have them get this removed? Did they violate any laws for this? This is certainly not my fault for having a negative report if you relying on the creditor website system to do what it should be doing. If you look at my credit report. I have never had a late payment ever. After moving to this creditor and using their website system to make on time payments. It has ruined a bit of my credit. I have had on-time payments since I was XXXX and now XXXX. This is the first time every running into a creditor that system does not work the way it should or I would like. I relay on these autopayments to work so that I do n't have to login everytime to pay due to busy schedules. With my XXXX child its already hard to get some free time to spend for these things. The creditor I am mentioning about is the following below : FNB OMAHA XXXX, NE-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern, I recently discovered XXXX unauthorized hard credit pulls on my credit reports. XXXX with XXXX and XXXX with Equifax. 

All XXXX requests were made with XXXX XXXX, where I have a longstanding financial relationship but I DID NOT seek credit or authorize a hard pull of my credit reports in these instances. After the credit bureaus summarily dismissed my disputes, I contacted XXXX XXXX, which says they have no record of my applying for credit on these dates. So now I am stuck with these hard inquiries that may or may not be the result of a fraudster using my personal information. 

I have initiated a credit alert to avoid further damage. It may be just an honest mistake at the bureaus, but my credit score is now hurt as a result of these unauthorized credit pulls. I need them removed. XXXX bureaus refuse to do so and will not provide any information as to how they deemed these inquiries to be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST NATIONAL BANK OF OMAHA
State: WI

Complaint narrative:
I was sent {$25000.00} by a company that I assumed owed money to a woman I had been talking to. I then sent her a majority of that money and shortly there after the money was requested to be returned. The company was XXXX XXXX XXXX out of Nebraska and they use the First National Bank of Omaha. They now have all of my accounts at XXXX bank frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
After XXXX complaints to you, I received a letter stating that US Bank would have a decision/approval for the short sale by XXXX. It is now XXXX and the file has n't even been reviewed by a negotiator. My XXXX lien approval expires XXXX and I needed my approval from US Bank by XXXX in order to close on time. I have left numerous messages for supervisors and have had NO return call or email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/XXXX we received a copy of the BPO which stated the home was occupied ( home is empty and vacant ) and there were no photos of the inside of the home and this was an " interior BPO ''. 
XX/XX/XXXX We tried to escalate over the phone to speak to the Negotiator or their manager and was denied the information and said all we can do is dispute the bpo, we advised that this counter is n't justifiable as the BPO has repairs outlined but the as-is and as-repaired value were the same despite the bpo agent never even entering the property to assess the condition. They would not let her escalate. 
XX/XX/XXXX XXXX emailed the Negotiator XXXX XXXX who responded stating they ordered a new BPO through a new vendor, so even he agreed it was unjustifiable. 
XX/XX/XXXX Negotiator emailed the new XXXX We emailed XXXX request the Negotiator and addressed that this BPO has comps over XXXX mile away, the comps square footage is over the subject property, closings took place over 6 months ago. There were no adjustments to the value based off upgrades, heated floors and XXXX car garages with the XXXX XXXX emailed that he will submit for review of value dispute. He informed XXXX he gave her contact info to his mgmt. team ( but wo n't give us their contact info ) to date, no one has ever contacted us. 
XX/XX/XXXX We emailed the Negotiator our XXXX and supporting comps to add to the dispute reviewSince then we have followed up for status on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have emailed the Negotiator for update via email XX/XX/XXXX and XX/XX/XXXX with no response. 

We escalated on XX/XX/XXXX and on XX/XX/XXXX I was advised that the dispute will take another 1 to 2 weeks. I escalated again XX/XX/XXXX and another update of 1 to 2 weeks was noted on the file and talk of ordering new bpo. To this date, no new bpo has been ordered. 

We have informed the Negotiator and several Relationship managers that this buyer is about to walk and no one has expedited the file. 

Since no one has expedited the review, the home has been broken into XXXX times and now the floors are covered in vomit and holes kicked into the walls. The banks lack of effort has put this vacant home in harm of being vandalized and possibly obtaining squatters. The client and us feel the bank has no concerns and no intentions on getting this reviewed properly or rendering a decision. They would rather force us to relist and possible obtain more issues with the home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
applied for credit card with USBank that promised a free XXXX night with every award reservation. Paid the annual fee and met the spending threshold. Then they changed the card terms to take away the benefit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: U.S. BANCORP
State: MO

Complaint narrative:
THIS COMPANY IS LISTED ON MY CREDIT REPORTS. I HAVE ASKED FOR THIS DEBT TO BE VERIFIED FROM THE ORIGINAL CONTRACT BEARING MY SIGNATURE.PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES I DEMAND VERIFICATION. THIS DEBT IS LISTED AS A COLLECTION ON MY CREDIT REPORT.

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 2017-01-31 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I 've been receiving a number of email from someone claiming to be associated with ACE Cash Express , Inc. A few were subpoenas to appear in court, and the latest is from a XXXX claiming that an arrest warrants has been issued unless I pay a settlement amount. The email includes such threats as reporting the case to my employer which WILL result in being terminated and blacklisted from any job. What a bunch of bogus. I do n't want others to fall victim to this obvious scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Guidiville Indian Rancheria
State: CA

Complaint narrative:
In XXXX I took out a Payday Loan from Blue Hoizon Loans and they stated I would get {$50.00} off because of a Promotion they had. So my total loan was {$650.00} in which they sent me {$500.00} and if you take the {$50.00} off it would be a total of {$600.00} I would have to pay. This is what the CSR told me by phone. So for XXXX 2016 I sent {$300.00} and in XXXX 2016 I would send another {$300.00} but they are telling me I owe {$350.00} which they are putting the {$50.00} back on it is like they did not give the Promotion Fee what they told me. The {$350.00} is schedule to come out my checking account on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
Conserve sold this old utility bill to XXXX in XXXX, yet they keep calling me XXXX 4 times a day threatening to put it on my credit report. They already are on my credit report. The problem is that they need to remove themselves since they sold the account. I am not going to pay them and still have XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Thaxton Investment Corporation
State: OK

Complaint narrative:
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. According to my credit report this account was closed on XXXX/XXXX/12. and I just received recently some calls from collection agency after almost 4 years and half without any news from this company.

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 2016-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I was working on a short sale with XXXX. They countered XXXX and my client approved. We were just waiting on XXXX XXXX approval. In the middle of this process the negotiator told me that the loan was being sold to Rushmore XXXX XXXX. I could not talk to Rushmore because the file had not been transferred. XXXX XXXX I called Rushmore and they said they could not speak to me because the file did not transfer to them yet. This process took a week and a half. In the meantime I saw there was a foreclosure for XX/XX/XXXX. I asked the representative if that would be an issue an she said no. I was finally assigned a negotiator and he ordered the BPO. However last week he told me his supervisor said that Rushmore needs 60 days to complete the short sale. I was close to getting an approval with the previous servicer and I believe it is unfair for them to schedule the short sale foreclosure sale date without even giving us the opportunity to complete the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 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: Meridian Financial Services, Inc.
State: MD

Complaint narrative:
I never received an XXXX notice, I checked my credit report and saw Meridian on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Palm Beach Credit Adjustors, Inc
State: CO

Complaint narrative:
On a letter dated XX/XX/XXXX I was contacted by Focus Financial Services for a bogus medical debt by a doctor that I had seen and paid in full at the time of service. On XX/XX/XXXX, I responded to Focus Financial Services by divulging that the debt was bogus and erroneous and asked them proof of its validity. I sent Focus Financial Services my letter via fax and certified which I received confirmation receipts from Focus Financial Services on. I never received any further communication from Focus Financial on my request for documents or anything else after I sent them my letter. 

Today I was informed that Focus Financial Services reported the bogus debt under my credit profile to all three major credit agencies XXXX on XX/XX/XXXX which has now greatly affected my personal and professional perfect credit profile and caused me great emotional distress. 

By doing so Focus Financial Services has failed to take the required legal steps to investigate the integrity of this debt which I am disputing under the Fair Credit Reporting Act and broke the law by reporting this bogus collection under my credit profile 10 months after the fact without contacting me and follow the proper procedures prior to doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: WY

Complaint narrative:
I received a e-mail from a lawyer claiming to be from the United States Court House with no offical signature or individual sending it. It states I owe a payday loan to ACE Cash Express. I do not recall this company, since there is no contact person on this e-mail I feel this is a form of fraud. This e-mail states to send money immediately to prevent lawsuit by the United States Court House and closure of my bank account. I did contact my bank informing them of this e-mail and this might be a case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
They call me XXXX times a day asking when I can pay. I 've told them my financial situation plenty of times, and they insist on a concrete date when I can pay my entire debt. They have called me while I was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
Quick Credit is charging me very high interest and I can not afford to pay the loan

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 2017-02-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP
State: TN

Complaint narrative:
I submitted a complaint to CFPB case no. XXXX on XX/XX/XXXX about this same company : Republic Finance. A case was opened, the company responded, and I responded thru the CFPB website portal about XX/XX/XXXX. Since there were some peculiar events contained in the original complaint, I had not heard from the company for several months. The complaint was initially about how much money I owed, how much was reported to the credit bureau, and how much the company said I owed according to the original contract. There were discrepancies in all XXXX instances. To date, the company has not sent a complete itemization of the principal balance, interest accrued, interest paid and payments made to the loan. It is a personal loan taken out with personal property as collateral ( which they never saw ). I do still own the property. My concern is that after CFPB got involved, the company stopped all communications with me from approximately XX/XX/XXXX to XX/XX/XXXX. I have received no mail requesting payments for the debt until a few weeks ago. I believe according to the documents presented by Republic Finance they do not want to disclose the itemization of principal balance plus interest separately because they are lying about how much I owe. And they also have used intimidation to attempt to collect. I am writing again because I would like a third party to review this company 's collection practices. I am not in a position to hire an attorney. I just want them to itemize the principal balance, interest and fees in writing. Because the debt is well past due, they should have been contacting me several months ago. It is curious because if I was two days late they would be both calling and sending reminder letters out. the loan is about 2 years old now. Total amount borrowed was XXXX. total amount paid was {$2400.00}. None of the documents Republic Finance sent reflect these amount. The document I received has a return address of XXXX, LA. XXXX. XXXX. Branch # XXXX. Balance amount is now {$2300.00} with a payoff offer of {$2000.00}. Settlement offer of {$1500.00}. Still very confusing since none of the figures amount to what I have on record to owe. My last amount of the loan balance they reported was {$2200.00} as of XX/XX/XXXX. I believe I do not owe them anything because of poor business practice/misrepresenting how much I owed initially, and concurrently, intimidation and false credit reporting posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
Covington Credit in XXXX, TN, has been making excessive phone calls on a debt of under {$1000.00} belonging to my mother, who is in XXXX ill health, to the point that I am not responding, because when I do respond, they demand to her in spite of her ill health that renders her unable to leave the house, be left alone, or follow a conversation on some days. Today, XXXX XXXX 2016 at approximately XXXX, an associate with Covington Credit, XXXX XXXX, obtained my father 's ( my mother 's ex husband, who also has several health issues ) cell phone to call me, and used it to use threatening and abusive language towards my mother, specifically implying that she was a liar when she explained about her poor health and that for several months we had to choose between paying this debt and keeping the electricity on, and yelling at her over the phone while my father was trying to get his cell phone back from him, at which point he took my father 's cellphone out of his presence, and yelling at her, exacerbating her health problems. He also threatened police action on what is a civil matter, and demanded that she be in his office by Friday, XXXX XXXX, in spite of her repeatedly telling him that she could not make the almost one-hour trip that is physically exhausting for her, until XXXX XXXX, nor would she be able to commit to any sort of payment until that date. I am also making this report on behalf of my father, who informed him that he did not appreciate his conduct. I was a witness to this conversation on my mother 's end, as we turn speakerphone on when my father calls so that we can both talk to him. My father only only went in there to inquire as to what arrangements could be made, and to inform them that we would be in on XXXX XXXX to discuss payment. Due to the conduct of XXXX XXXX, we feel unsafe entering this business. My mother 's name will be the one appearing in the personal information field, as will my email address, as she does not have one.

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 2015-07-07 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: TN

Complaint narrative:
I received a letter from First National Collection Bureau , Inc. ( creditor " XXXX XXXX XXXX XXXX, XXXX '' ) representing that I owe a debt to XXXX XXXX. I called FNCB, and a representative said it was a XXXX that I had opened in XX/XX/XXXX and closed in XX/XX/XXXX. I never opened a XXXX in XX/XX/XXXX, nor does such an item appear on any of my credit reports. When I contacted XXXX XXXX, they represented that, not only do they not recognize the account number included on the FNCB letter, but I never had an account with them, and further, that they only carry XXXX, not XXXX, and thus the debt could never have existed. 

I would like to note that, when I told the representative from FNCB that I dispute the claim, he asked what exactly I was disputing, and I told him that I disputed that the debt ever existed, and their representative said he would report it to the original creditor ( which is obviously impossible since the original creditor has no knowledge of said debt ). I doubt, therefore, that the employees of the company know that they are fraudulently attempting to collect on nonexistent debt ( s ).

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation