vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc.
State: MN

Complaint narrative:
First National Collection Bureau Inc is the debt collection agency for XXXX XXXX. I am a victim of identity theft and someone stole my personal information and identity and opened up an unauthorized and fraudulent credit card account with XXXX XXXX. The account do not belong to me. First National Collection Bureau debt collectors has repeatedly called me about a debt for {$390.00}. I do not owe the debt to First National Collection Bureau. I have received countless phone calls from First National Collection Bureau in regards to the debt owed and have been harassed, verbally abused, sweared at and threaten with arrest, harm, death and wage garnishment, if I do not pay the {$390.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Credit Technologies, Inc.
State: MT

Complaint narrative:
I am a card carrying XXXX and wanted to see if I prequalify for a special home loan offered under HUD. So I spoke with an agent via email. I did not give my consent or a written or electronic signature to approve a hard credit inquiry. My credit score dropped XXXX points after not XXXX but XXXX pulls in less than 24 hours. And I did n't get an answer weather I prequalified or not. I call this company Monday morning and they kept hanging up on me. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 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: OH

Complaint narrative:
After reviewing my credit report ( s ), I was surprised that XXXX was reporting an alleged debt with XXXX, which I had previously disputed with First National Collection Bureau ( " FNCB '' ) in XXXX XXXX. Attached you will find the telephone log that highlights two telephone calls made to FNCB, at XXXX, on XXXX XXXX, XXXX. During those calls, I disputed the alleged debt with XXXX ; however, in the second call, at XXXX, I specifically requested verification of the debt. After the person with whom I spoke became abusive and began to badger me about the reason for my request, it became evident that such information did not exist. I was told that the account would be closed and I would no longer receive further communications. To this date, I have not received any further communications and wrongly assumed that this debt had been removed from my credit report ( s ). I have attached a screenshot of my XXXX XXXX account, which supports my assertions regarding First National Collection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP
State: LA

Complaint narrative:
Republic Finance LLC ( Loan No. XXXX ) says that I owe them more money when I have paid them in full. 

My XXXX/XXXX/16 receipt has a new balance of {$110.00} after making a regular payment of {$160.00} on that date. On XXXX/XXXX/16, I paid {$110.00} and that receipt shows a new balance of $ XXXX. Now, Republic says that i owe about {$280.00}.

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 2015-06-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Veros Credit, LLC
State: CA

Complaint narrative:
My complain is for a Finance Co. by the name of Veros Credit, LLC. I am a used car dealership that paid off several accounts to them. These accounts were paid off between XX/XX/XXXX and XX/XX/XXXX, as of this date I have not received the ownership titles belonging to the vehicles of the accounts that were paid off by us. In numerous occasions we have contacted their corporate office regarding the release of titles, they REFUSE to release them due to unresolved issues that we have on other accounts, not related to the accounts paid off. Their answer to me has been, title will not be released until our unresolved issues are resolved. 
Veros Credit, LLC. is causing and putting my business in a financial hardship position because of other financial instutions holding on to my money due to us not being able to turn in titles to them that are held by Veros Credit, LLC. This issue has become a domino effect with other lenders.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Called and stated they were filing a complaint with my county and would take me to court if I did n't pay the {$560.00} today. I requested this in writing and they stated they could not send me anything in the mail until I paid. She was not happy that I would not give any information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
palm beach credit adjustments is not my account its a paid account being reported on my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Continental Services Group, Inc. d/b/a ConServe
State: NC

Complaint narrative:
I previous ply advised the collection agency that I am not allowed to receive personal calls at work. I never gave them my work number for that reason. The collection agency somehow found my work number and still contacted me there even though I had previously advised them it was against company policy to receive those types of calls at my workplace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST GUARANTY MORTGAGE CORP
State: CA

Complaint narrative:
I am currently involved in a construction loan with First Guaranty Mortgage Corporation. This is an FHA construction to permanent loan that was approved at the beginning of 2015. I initially had a good faith estimate done and agreed to the terms. During the process the company changed my amounts and interest rate from what was quoted me stating that my paperwork I signed was out of date. They proceeded to increase my rate along with requiring more of a down payment. During this time I started building the home grading and such to keep my progress moving forward so I incurred costs that were built into my loan for reimbursement. I submitted these to FGMC as the actual line items on my loan from the budget we created. I was told that these will be prepaid payments and not reimbursable. These amounts were built into my good faith estimate and when I received final docs the loan changed by these amounts. Prepaid items became deposits and the amount for withdrawal for my construction build shrunk by approximately XXXX. I confronted them about this and they explained that I still had a 10 % overage built into the loan. I asked them to point this out in the loan but I was ignored and come to find out this is not in the loan. I have asked for an increase in the loan to cover the amounts of my first reimbursements only to be humiliated by the loan company stating that " with the contractors and my experience they do n't see how this could have happened ''. I 'm trying to scrape funding together to complete my house but so far no luck. My warning to all would be if you are looking for this type of loan, do not use FGMC. By the way I have completed a home in the past using XXXX. I did very well and ended up selling this previous house for a profit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XXXX/XXXX/16 my Discover Card was charged {$47.00}, without my approval, for a subscription to a mobile application. Withstanding the charge not being authorized, the subscription for which I was charged was not credited or applied to any account or mobile device in which I possess. That is to say, no benefit was received. 

After contacting the Merchant directly, and finding them unable to assist ( due to incompetence or failure to understand the issue ), I issued I charge-back with Discover Card ( case number XXXX ). When the Merchant responded with information ( see Appendix A ) that was blatantly contradictory to my previous communications with them ( see Appendix B ), I notified Discover via writing of this fact ( see Appendix C ). 

Despite the clear and evident failure of the merchant to faithfully represent the nature of the charge, and my clear an unequivocal statement that no benefit was received, Discover Card denied my dispute despite their promise of a " XXXX-liability Guarantee '' ( see Appendix D ). 

After a review of the documents in which Discover attached to the case, it became apparent to me that Discover Card deliberately and systematically censored all relevant information pursuant to my appeal. That is, they blacked out relevant dates, and other information in the appeal I submitted, which clearly highlighted inconsistencies in the Merchant 's claim. This action undoubtedly led to the improper denial of my dispute. ( See pages XXXX of this letter ; Appendix C. ) Unfortunately, in this case Discover Card has acted in a manner which is inconsistent with its promise to deliver top-notch customer service, and XXXX-liability for fraudulent transactions. In denying my appeal Discover chose to censor and suppress contradictory information rather than evaluate it in accordance with the Cardholder Agreement. 

For this reason, I consider Discover Card to be in breach of its obligations for which it is bound, and to be acting in a manner illustrative of disregard of its obligations. It behooves me to think of all the similar claims Discover suppressed in the spirit of appealing to Merchants as opposed to seeking a just resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
cosigner with my daughter have asked several times to make a principle reduction on the loan and they keep applying it as paid ahead status ... would like to know why I cant make a principle reduction to reduce my repayment schedule

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
Under 623-15 U.S.C. 1681s, Section 623 ( a ) ( 8 ) ( E ) ( iii ) that references FCRA 611 ( a ) ( 1 ), that allows only for a 30 day period to answer the dispute/complaint. 

This dispute/complaint was sent to you via the CFPB on XXXX XXXX, 2016 to which the CFPB assigned a case # XXXX. 

I expect an answer no later than XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: Rent Recovery Solutions
State: SC

Complaint narrative:
Bathroom was not working and I continue to ask the landlord to fix it. Bathroom was fix, but continue to have problem with this issues. I explain to the landlord that I could n't wait a whole weekend with a the bathroom being fix. Called some in to fix and they told me that they were not going to paying for there services. Left property due to no bathroom.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: PA

Complaint narrative:
Credit Card debt was paid off in XXXX 2013. XXXX in conjunction with Discover continues to take {$35.00} out of my checking account monthly as a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover Bank is reporting my old account which was closed in Chapter XXXX BK as open. I am not disputing the information that they have provided. However, I am asking that they review this account a make a business decision to have the Consumer Reporting Agencies adjust the reporting from open to closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: AmeriCollect
State: NJ

Complaint narrative:
HI, I had been to the hospital on XX/XX/2016, i gave the insurance details to the hospital later and i didnt hear anything from the hospital and never got any news from hospital.Later by XX/XX/2016 i called the hospital and gave my change of address information to the hospital also ensured that the hospital has insurance details. After that they told they will contact insurance company and then get back to me but have not hear anything from them. 
I was waiting for bill, and now i see there is outstanding of {$150.00}, i am not sure why no one contacted me as i have provided everyone my change of address as well as phone number. 

I do not agree to this collection, i wil pay {$150.00}, please let me know how do i pay them and also please remove the admended score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: OK

Complaint narrative:
My social security number was used to open several accounts. 
I filed a police fraud. Report and all the papers from. The credit Card company 's. This company removed it from my credit reports Then put it back and started billing and calling me again. I. Have Never used this card or made payments on it. I told them. 
The person responsible for the card and it did n't make a Difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I attempted to apply for a Discover Card Online. The system did a hard credit pull and then disconnected me from the application process. I called in and was told that another hard pull would need to be done to complete the application. I never agreed to any hard credit pulls in the process and called and advised them of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I purchased cell phone charging cables from an on-line vendor. Within 3 weeks they all stopped working. I contact the vendor, via email, and they promptly told me to return them, they would test them and either send them back or replace them. So i did. After the cables were sent back I sent XXXX separate emails telling the vendor that the cable were on they 're way and to let me know if there was any issues. I never got another reply from this vendor. 
I requested Discover Card to refund my money and have been denied several times. What ever happened to the " Customer is always right ''? Discover has refused to entertain the fact the vendor is lying and had never intended to replace the cables.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover is overstating my current balance by {$130.00} and they should give me a refund. Please contact me via email with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect
State: TX

Complaint narrative:
XXXX 2014 I went to the hospital with full healthcare coverage. I paid my copay and received medical service. I paid the appropriate healthcare bill and have had my account sent to Americollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: NM

Complaint narrative:
I went to my online Dovenmuehle account in late XXXX, 2015 to increase the principal payment to my monthly mortgage payment by {$700.00}. I changed my mind and went back online and entered {$0.00} in the box for additional payment. My XXXX bank statement showed that Dovenmuehle did in fact withdraw the additional {$700.00}. I went back online to check if I had not cleared the additional payment. The amount was {$0.00} for additional payment. I assumed I had made the change too close to the payment date and did not contact the mortgage company. My next automatic payment was again for the increased amount. I called Dovenmuehle and explained that the additional payment was incorrect and asked that they reverse the payment to my account and withdraw the correct amount. I desperately need the additional {$700.00} this month and last month too! The mortgage company said they could not reverse the payment, required me to print off my bank statement and fax to them to prove that the funds were actually withdrawn ( they do n't know that?! ). The mortgage company will write me a check and mail me the refund. I wanted the money put back into my account now not later. I know they can make that happen but they were not willing to do so. So much for customer service.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have contacted Experian several times in regards to Inquires and accounts that are not mine due to identity theft. I have mailed XXXX identity theft affidavits to the company and no action has been taken.

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 2016-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I 've disputed several incorrect accounts on my credit report for late/missed payments and accounts not belonging to me, but to someone in my household. They continue to reply with they will not reinvestigate and/or remove this information.

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 2015-06-22 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Io, Inc.
State: VA

Complaint narrative:
On XX/XX/2015, I received a collection notice from RMS ( Receivables Management Systems ) for XXXX : Account:XXXX stating that my account was delinquent and XXXX placed the account with RMS for immediate attention. RMS claimed that despite XXXX numerous requests for paymennt that I allowed my account to become seriously past due and payment of this balance will allow RMS ( collection representative : XXXX XXXX, extension XXXX. XXXX or XXXX ) to cease further collection action. XXXX XXXX never contacted me by either mail or telephone stating that I had an outstanding balance of {$46.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
In XXXX of 2015, I refinanced my home loan. This summer, I received a notice from the XXXX government, that my property taxes had n't been paid in the prior six months. Nationstar, my loan servicer, collects an escrow for this purpose. I thought they were paid at closing but even so, Nationstar should manage these payments. I contacted Nationstar to inquire as to the status of property tax payments. They said that they conducted an investigation and then made a payment. I asked them to share what they learned during their investigation, specifically I sent them the following : '' The update only seems to note that a payment was made. Please provide the results of your investigation into this matter. For instance, please clarify whether an amount was also paid at closing as noted by the loan underwriter. How much was the late fee and how was it paid? " Nationstar did not respond to these questions. I ask that they offer a full accounting of what happened, who was at fault, and whether they charged me for the late fee. If they did charge me for late fee, why they did so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
HI, In applying for a credit card I was denied which surprised me because I pay all my debits. However, I have a problem with social security administration with an overpayment. The overpayment is in dispute and has been for over 2 years now. In the meantime, we have set up an agreement that I pay them {$120.00} per month until a decision on the amount is made, and I have paid every month. My credit is damaged and it should not be, and I do not know how to correct this problem.

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