vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-27 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Card customer since 1995, I closed account in XXXX 2015 and was reported late on Bureau in XXXX XXXX dropped Credit Score from XXXX to XXXX. Only used car for XXXX and as agreed upon by Discover Card was never paid 30 days late. {$50.00} payment made religiously through XXXX Bill Pay. Discover changed payment DUE DATE from the XXXX of each month to the XXXX ironic as my payment was received by Discover anywhere between the XXXX and XXXX of the month because I get paid twice a month and paid the {$50.00} payment again, through bill pay. Discover knowingly changed the date simply for the Purpose of PREDATORY FEEING! The account never had a balance higher than {$500.00} and given the {$50.00} payment was 10 % or greater ( based on Balance ) Discover Representative, XXXX XXXX offered to refund XXXX {$35.00} for a total of {$100.00} ( again Fee was charge because payment was received 2 days after the new XXXX due date and before my original due date of the XXXX. These XXXX fees changed the minimum payment and caused the wrongful posting of the account 30 days, Discovered Representative XXXX XXXX, gain would not reage my account but offered to refund fees. He also acknowledged that Discover never reached out to me other than through the normal statement. I simply want my account reaged and to remove the only blemish on my otherwise pristine Credit Rating. This was caused by the DUE DATE CHANGE initiated by Discover in an effort to simply generate fee income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
I paid my Mortgage on XX/XX/2016. The funds have been withdrawn from my back account. The mortgage company, DMI then sent on XXXX a statement that I owed then {$40.00} for an NSF fee. In addition, they reversed the payment as well. My bank maintains they have my payment and no NSF was ever indicated by them. I spoke to DMI team member, XXXX on XX/XX/XXXX, when I received the notice. I emailed my bank statement and she said this would be corrected that night. I still have not seen the correction online, nor does XXXX return my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I have received several phone calls from a debt collector mentioned above. They state that a payday loan was taken out in XX/XX/XXXX and that the balance of this loan has not been paid off and has been sent to them for collection. I have no records of taking out any pay day loans at that time and no documentation of a due or past due loan. The representative informed me that they are trying to collect this debt and that if I do not pay the settlement through them, I be summoned to appear in court and be responsible for the full amount of the debt plus legal fees. I explained to them that since I have no recollection of taking out this payday loan, that I would require documentation specifically stating the exact loan and its current status before moving any further on this matter. I received my XXXX call on XX/XX/XXXX and have not received any documentation to this point. 
This collection agency has also started calling my family

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK
State: SC

Complaint narrative:
I was called by Discover card on XXXX that I had an overdue account for over {$800.00}, and payment was due. I learned that an account had been opened in my name using my SSN, DOB, former home address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ), XXXX XXXX. I notified the XXXX County Sheriff 's office, my case number : XXXX. I received and completed an " Affidavit of Identify Theft Report '' with Discover card. I notified XXXX and XXXX. Upon a review of my credit report ; I discovered an address of which I have never lived : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I filed a correction with XXXX. Discover card reported that " I '' had notified them of this address change after the account was opened and there were charges. 
1 ) In their itemized charges there was a " phone payment '' made on this account dated XXXX/XXXX/XXXX {$11000.00} ; I can not provide any evidence that any payment was made by any account of mine at that time. 
2 ) There is also a listing of over XXXX charges ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ), all but XXXX with the following transaction description " XXXX XXXX XXXX ''. Charges range from {$3.00} - {$79.00}. 
3 ) Last evening, I received a letter from Discover card that there is insufficient evidence of identity theft, and that a new account has been opened in my name and I am responsible for all charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I started my loan modification with Rushmore Loan Management Services in XX/XX/XXXX, We had come to an agreement just before the sale date of the house. The only problem was that I had never consulted with a Attorney, and I was afraid to sign any paper. I went and saw a Attorney and they suggested bankruptcy to stop the sale. Now Rushmmore will not agree to the original terms in XX/XX/XXXX, which was {$7500.00} and {$1500.00} per month for 3 month at that time a final modification if I was current. One week ago I gave them {$20.00} down and they raised my monthy payment {$2500.00} per month, setting me up for failure again. This is the payment I had before and was not able to keep up with it. I do n't understand this is no modification. My father use to help with the mortgage payment, since XX/XX/XXXX he XXXX at the age of XXXX, now he is XXXXyears old and all his social security goes to XXXX expenses..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I have received some strange letters in the mail over the course of the past month and I am puzzled because I have been trying to modify my loan and it has been unsuccessful. I am now facing foreclosure in the middle of a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I have been trying to get a copy of my modification agreement that spells out the terms of my modification and future interest rates since XXXX XXXX, 2016. I have made several attempts to Rushmore Mortgage by fax and email and still have n't received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I received a call today ( XXXX @ XXXX ) from XXXX stating that I have a debt XXXX, I did n't immediately remember but I felt as if I paid it off already. Nonetheless the lady by the name of " XXXX XXXX '' with XXXX Law firm ( I could not find this anywhere online nor XXXX in XXXX AZ she gave me ) asked for credit card info today and if they did n't get it I was going to be sued and sent to court .Then when requested some type of " verification '' of debt, she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I had a payday loan and was unable to make payments due to a cash flow problem. Setup a repayment plan which after a few payments was unable to meet obligations due to still having cash problems. Instead of notifying me by mail of an attempt to collect a debt owed these people without warning went into my checking account and took the money causing my account to overdraft and causing me even more financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: OH

Complaint narrative:
Today XXXX/XXXX/2015, I was instructed by XXXX to conference them in with First National Collection Bureau XXXX Inc. to confirm that I paid my agreed settled amount of {$230.00} in full. The First National Collection representative, XXXX XXXX, confirmed that the debt was paid in full, but went on to say, to myself and the XXXX representative, that I need to pay more than the settled amount. Is this legal for First National Collection to request more money, especially since this disputed debt exist due to XXXX attempts to bill for an additional service that I never asked for?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
My salary got reduced and payments were high. XXXX XXXX XXXX my mortgage company filed foreclosure. Unable to come up to the huge amount they demanded I filed for chapter XXXX motion to stay since I only had 21 days to respond or lose my home. Later XXXX XXXX XXXX transferred my home to Rushmore. I found Rushmore inflated the amounts i owe and made it impossible for me to maintain the payments and increase the interest higher. I absolutely disagree on the amount they came up with. After making a steady payments and staying current they sent a letter calming I missed payments for 9 months and filed a foreclosure for a short sale. In between I received a letter from the government stating I qualified for a new program called Harp for a fixed rate. I was filled with hope and agreed and singed on. Front cover looked like a government offer for home owners to keep their home from Obama. HOPE and Hud were on every page approving this modification. Later XXXX which was working on behalf of XXXX XXXX XXXX asked a retaining fee and lawyers fee which I paid informing me the money would be added or count as a payment for my mortgage. I paid {$1600.00} each month to them for a period of 3 months. I do n't remember the application fee amount. The process took more than 5 months and i was warned not to speak to the mortgage company since they were the lawyers they must speak to them. One of the documents I signed stated I was not allowed to contact the Rushmore. Later on I received a letter and a auction sale on my property with an eviction notice from Rushmore. Heartbroken I contacted my chapter XXXX lawyer and asked how this can happen. I found out the XXXX part was fraud and I was a victim of scam. I did not question it because the flyer looked like it came from the government. I need help. I want to keep my house. I 've worked to hard and believe in the American dream.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
XXXX XXXX has embezzled our homeowners insurance draft of {$24000.00} that was paid to us by our insurance company for storm damage. We have fixed 90 % of damage with our own funds and the bank has sent inspectors 3 times and has still not released our funds and are playing with our money and emotions for the last two years. Trying to get them to release our funds has not worked and in the meantime they have " sold '' the mortgage loan servicing to Rushmore Loan Management Services and they repeated the above process and not returning phone calls or communicating by mail or email. 
This money is being illegally held by the mortgage servicer as it does not belong to them and was specifically for home repair that we had to complete before the bank would release the money. The bank requested detailed invoices and releases of liens from the repair companies that fixed the damage that we paid for. They also sent out inspectors at different times and have not released our funds since the last two years. The fair resolution is that they immediately release the {$24000.00} and pay the costs and interests on this amount. Thanks. 
Please help protect the consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
This debt has passed the statue of limitations for this company to attempt to try and collect and/or report the account to the credit bureau 's. I have now received more harassing mail attempting to collect on a debt I do not owe, and threatening to report it after its already been removed from the credit bureau reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MEGASTAR FINANCIAL CORP
State: CO

Complaint narrative:
My mortgage company Megastar Financial changed their billing address, and in the process they also changed my account number. I had been using an Automatic Draft Payment option, which somehow did not get transferred. I never received notice that I had an intermittent payment due, but I did get phone calls Megastar Agents on numerous occasions ( even after I had fixed the problem. ) Then, when I tried to adjust my account numbers, the steps were numerous and cumbersome, and resetting the Auto Draft program was delayed. This delay also happened without Megastar notifying me, until an agent called and threatened me with a Collection Agency. The worst part was that she could even see that I had Auto Draft set up, but that it was n't activated yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I HAD PREVIOUSLY FILED DISPUTES WITH PAYPAL XX/XX/XXXX AND ALSO FILED MY DEBIT CARD LOST AND THAT SOMEONE HAD BEEN USING MY PAYPAL ACCOUNT SINCE I NOTICED ACTIVY ON MY ACCOUNT LIKE AN INVOICE THAT I DID NOT ISSUE. I THEN STOPPED USING THAT PAYPAL ACCOUNT SINCE I DID N'T FEEL SAFE USING THAT ACCOUNT. LAST WEEK I GET A NOTIFICATION FROM PAYPAL STATING THAT MY OTHER ACCOUNT WAS BLOCKED. WHEN I CALLED PAYPAL AND SPENT OVER 3 HOURS ON THE PHONE AND NOT ONLY KEPT BEING TRANSFERRED FROM DEPT TO DEPT ... THEY NOT ONLY LIED TO ME BY TELLING ME THOSE CHARGES WERE DISPUTED AND THEY CAME BACK NOT TO MY FAVOR, WHEN I ASKED TO GET TRANSFERRED TO THE DEBIT CARD DEPT THEY REFUSED TO AND EVENTUALLY PRETENDED TO TRANSFER AND THEN HUNG UP ON ME. BUT WHEN I GOT THROUGH THE DEBIT CARD DEPT THEY TOLD ME THAT THOSE CHARGES WERE NEVER DISPUTED NOW THAT I WAS ABLE TO DISPUTE THE CHARGES THEY DECLINE THEM BASED ON THAT ITS 3 MONTHS LATER AND THAT MY PIN WAS USED. I ORIGINALLY HAD CALLED RIGHT WHEN IT HAPPENED TO REPORT THE CHARGES AND TO REPORT THAT MY ACCOUNT WAS BEING USED BY SOMEONE ELSE. THEY DID NOTHING TO PROTECT MY ACCOUNT BUT CONTINUE TO LET SOMEONE ELSE USE MY ACCOUNT. NOW THEY ARE DEMANDING FOR ME TO PAY CLOSE TO XXXX IN CHARGES THAT I DISPUTED, ALL BECAUSE THEIR TEAM DID NOT DO WHAT THEY WERE ASKED TO DO BY ME WHEN IT HAPPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian Financial Services, Inc.
State: MO

Complaint narrative:
Alleged debt is fraudulent. Owner 's maintenance fees were charged to my wife and me as co-owners and paid in full. My wife and I decided to place the time share into my name alone. The Owner 's Association then apparently decided to charge the same maintenance fee that i had paid with my wife to me as the " new owner. '' This duplicate charge is unconscionable and i will be reporting it to all appropriate Federal and State Agencies.

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 2016-12-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
A man called my wife in the morning from " XXXX '' XXXX. He basically disclosed to her that they were suing me for a debt that i have with ace cash express. I called this number to speak with them personally. The man never gave me his name and he never mentioned what " XXXX '' stands for. He started of by telling me he was an attorney of some kind and they were taking legal action against me for a fraud i commited. When i asked him to send me a letter to validate my debt he got angry and started to threaten me with a lawsuit and then started yelling at me telling me " a real man should pay his XXXX debts '' and for me to " pay my XXXX debts '' and hung up on me. I called ace cash express to confirm the debt that i owe to them and i do, but when i told them the story they stated that those are bad collection attempts and ace would never sue me for a debt. So i called XXXX again and i asked for the guys name and what the company abbreviation was and he never told me his name nor the actual name of the company. My wife was very frigthened about this and has caused an uproar about this. Please help us resolve this matter. If these people are harassing us, how many have fallen victim to these threats. thank you kindly for your time and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Went through a divorce was left to pay all bills fell behind had to move some utility 's got cut off and could n't afford to finish paying loan only had enough for rent to make sure me and my kids had a roof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Dyck-O'Neal, Inc.
State: AZ

Complaint narrative:
I have a collection on my credit from Dyck Oneal. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. Dyck Oneal is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I get at least over XXXX calls a day from the same people with different numbers. They wo n't say anything when I pick up either. They all begin with area code XXXX & the prefix is always XXXX. The caller ID information states that they are from XXXX XXXX, TX area. I have received phone calls from them at XXXX at night & calls as early as XXXX in the morning. I also get calls all day long while I 'm at work. I received XXXX calls alone from one number XXXX XXXX XXXX in one day on XXXX XXXX, 2015, XXXX call from ( XXXX ) on XXXX XXXX, 2015, XXXX calls from ( XXXX ) on XXXX XXXX. Other numbers they have tried to call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This needs to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I received a letter from First National Collection Bureau Inc alleging that I owe a debt. I do not owe any debt to First National Collection Bureau XXXX Inc., XXXX XXXX XXXX XXXX XXXX, or XXXX XXXX. I had already sent XXXX XXXX XXXX a cease and desist letter previously through the Consumer Financial Protection Bureau for which I have a copy in writing. Now I have been contacted by First National Collection Bureau on behalf of XXXX XXXX XXXX XXXX XXXX which is a flagrant violation of the Fair Debt Collections Practices Act. I do n't owe the alleged debt they are referring to, in addition the alleged debt is past the statute of limitations. I do n't want any further communication in any form by First National Collection Bureau, XXXX XXXX XXXX XXXX XXXX, or anyone on behalf of them. Their continuous communication after sending them a cease and desist letter is a flagrant violation of the Fair Debt Collections Practices Act, and it is causing me severe emotional distress for an alleged debt I do n't owe. Their continued communications is considered harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XXXX called XXXX XXXX XXXX & XXXX XXXX told me I was being arrested & served because a debt I owed was not paid told me debt owed was over XXXX dollars & with cout cost Well over XXXX but I could settle for XXXX dollars. I was deceived into giving my info after concerns & a talk with my wife. I followed the debt & have received confirmation that it had been paid. After a few days I received a call from XXXX XXXX that payment had been stopped I told him what I found he calmed me a liar stated Marshalls were coming to get me. Now a month later another lady stated she was from XXXX the settlment had not been paid. She also stated I was gon na be arrested if I didnt pay. I told her to cease and desist I was threated XXXX last time and hung up on This was the # she called from XXXX

Company response to consumer: Closed with explanation