vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-12 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
Dear Sir/Madam, I would like to file a complaint about Discover Bank regarding a missing transaction. 

On XXXX XXXX, 2016. I authorize Discover Bank to draw XXXX dollars from my XXXX account and XXXX did debit this money to Discover Bank. However, after it received the money, the Discover Bank reverse this ACH transaction to XXXX on XXXX XXXX, then, the fund is missing. XXXX have never received it. And Discover Bank claim the fund is no longer in their side and do not want to take responsibility at all. 

I have call Discover Bank several times and even have a three way phone call with Discover Band and XXXX on XXXX 2016 from XXXX XXXX to XXXX XXXX. During that three hour phone call, they check everything, and the conclusion is that the Discover Bank Claim they either never receive the money from XXXX or have returned the money to XXXX, and XXXX claim they did send the money to Discover Bank ( the fund send on XXXX XXXX and clear on XXXX XXXX ). 

As a result, the fund is missing, and either of them want to take responsibility for clients. 

As a personal view, I do believe in XXXX and believe Discover Bank XXXX lie to clients. 

I have all the documents to prove my statements, including the letter that Discover Bank sent to me saying they have returned the XXXX, 2016 ACH fund to external bank ( XXXX ). And I have XXXX 's confirmation number of the initial deposit to Discover Bank. I will attach those information to CFPB to better support the investigation. 

Thank you very much for reviewing my case, Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
I ' am writing to complain about Simm Associate Inc Referance number XXXX and XXXX. This collection agency engaged in the following unfair and abusive collection practices specifically prohibited by the Fair Debt Collection Practices Act, 15 USC 1692. I received two calls on XXXX XXXX, 2016 at XXXX XXXX and XXXX XXXX from XXXX XXXX to inform me she contact my employee and verified I was an employee. She advised me the call was record on both calls. She did not verify my information on both of the calls. She made repeated and continuous calls to my cell phone and my place of employment. I also received an anonymous 3rd call on XXXX XXXX, 2016, but I hung up on her, after she stated her name. The calls were harassing and she misrepresented her self. The first call she stated she was with a law offices. 2nd call she stated there was no attorney working in the office. I tried to explain to her over and over that I did not signed for the debt she is collecting for she repeatedly talked over me. During the call she tried to me she had discovered information from my POE that could be used against me or valued to collect debt. During the call I also advised her to contact my attorney regarding bankruptcy. I was informed that the private student loan was covered under my bankruptcies. The 3rd time I spoke to XXXX XXXX I called the office to advise her that I was disputing the account and to send validation of debt. I called back 3 times to request an supervisor. The first time she hung up on me after I advised her who I was. The 2nd time I spoke with a gentleman he hung up me and I heard them and the background talking stating not to talk to me. 3rd time she hung up on me. These calls was made XXXX XXXX central time. Final call I spoke XXXX XXXX supervisor and advised him of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: AmeriCollect
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX never sent me a bill for a ER visit that occurred on XXXX. Yesterday, out of the blue, I received a letter from Americollect for {$78.00} that went to collections from XXXX. 

Yesterday, immediately after receiving a collections notice, I faxed and emailed both Americollect and XXXX XXXX XXXX XXXX requesting for debt validation. I have also filed a complaint with the XXXX and the Louisiana General Attorney for XXXX practices. 

Today, at XXXX, I received a phone call and voicemail from Americollect . I know that it is illegal for collections agencies to call outside certain hours. Furthermore, I have already contacted them in writing, both by email and fax, that I would like debt validation and also notified them that I am in the process of filing a complaint against the original creditor.

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 2016-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I 'm continually getting calls from an agency called XXXX collection. I 've told them repeatedly that the person they are calling for does n't live here that they have the wrong number. They assure me they will remove my number then they will call back the next day. They call very early in the morning, weekends, and it 's really causing me XXXX. A few of the representatives have been extremely rude and and insinuated that I was lying about it being a wrong number. This has been going on for almost.a year.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
I have received robo calls off and on for 6 months, sometimes multiple calls in a day. The calls stopped for about a month but have resumed. I do not have caller ID, so do not have a called from number to share. Robo call advises that they are calling from 'AmSher ' regarding a debt collection. Advised to call XXXX. I have no known debts to be collected. Out of curiosity and in an attempt to end the calls, I called the number a few months ago and got a machine ... I was provided with no information so was unable to enter a 'case number ' or agent name ... I just called again, just to check again ... Currently, their answering machine does not identify them as AmSher or any other company. Previously, the answering machine asked the callers to leave a detailed message ( I did not! ) including name and contact number. Now, the answering machine has a robo woman answer without identifying the company name, then it 'clicks ' over to a robo male like it switched lines and he says all agents are currently busy then askes you to leave a message. Very benign yet very alarming considering the company is supposed to be a collection agency and I have no known debt to be collected!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: VA

Complaint narrative:
XXXX XXXX XXXX sold our mortgage to Selene Finance on XXXX. We were 1month behind on payments at time. Despite our efforts we could not catch up and were being charged unexplained fees from Selene, they also mishandled our insurance payment that year. We were approved for a mortgage modification on XX/XX/XXXX, with a trial payment period of 3mths XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. They put new adjusted payments in an unapplied account, then said our XX/XX/XXXX payment was returned for ins. funds-our bank statements shows it cleared. XX/XX/XXXX they sent a notice of default with intent to accelerate, said we broke the trial agreement. The payment that they reversed XX/XX/XXXX has disappeared completley-they took it. Now we are back to square 1 with them but we owe even more. Corporate advances charges keep increasing each month-they said this was for postal and inspections?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
I was advised via credit monitoring notification on XXXX/XXXX/2015 through XXXX that a Collection account was posted to my credit. I immeditly contacted them to find that Amsher Collection Services had reported a debt due to XXXX. I contacted Amsher collection for the XXXX time XXXX/XXXX/2015 to advise them I did not indeed owe XXXX. They instructed me to file a Identity Theft Affidavit and fax it over to them. On XXXX/XXXX/2015 I completed this task and disputed the account with all three credit agencies. On XXXX/XXXX/2015 I followed up and was informed they did receive my fax and would send it back to XXXX. I advised them of my dispute and they stated that it would take it 's course for removal. On XXXX/XXXX/2015 I got notification that the Collection Agency responded to my disputes that it was a valid debt. I on XXXX/XXXX/15 contacted Amsher to ask them as to how and why they did that. They stated they would send me a fraud packet. I re disputed the inaccurate information on my credit file. On XXXX/XXXX/2015 I again got notification the Collection agency responded to the Credit agency that it was a valid debt. I once again called back due to not receiving the fraud packet plus them once again responding to my dispute it was a valid debt and spoke to " XXXX '' the manager and he ensured me he would handle it and send the packet himself and handle the credit agency disputes to reflect accurate information. I have provided XXXX with the require documents as well as fraud dispute form as requested yet this invalid account still appears on all XXXX credit reports. I contacted Asmher Collection XXXX/XXXX/2015 and XXXX informed me she would do a courtesy removal and send a letter stating that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: FCI Lender Services Inc.
State: MI

Complaint narrative:
I missed my XXXX mortgage payment due to a family emergency, on XXXX XXXX within the grace period on my mortgage, I made a payment by phone for both the XXXX payment, the late fee for XXXX, the XXXX payment and an additional principal payment. I explained to the representative exactly what I was paying. Upon receiving my mortgage statement for the month of XXXX I learned that that the servicer had charged me a late fee for XXXX and had not made my principal payment instead they had placed that money in a suspense account, so I called them and told them about their mistake. Told them that they needed to reverse the late fee and apply it to principal as they had been directed to when I paid them and to be sure to back date it to the date the payment was made and to apply the money they had placed in a suspense account also on the date the payment was made. They have taken that money out of the suspense account and applied it to the principal as of XXXX XXXX, 2015, on XXXX XXXX reversed the late fee and applied it to the principal but did not make the effective date XXXX XXXX, so I am being charged interest for XXXX days that they had my money. I then sent them a letter regarding the continued billing error. On XXXX XXXX, I made my mortgage payment using their online payment option, I completed the form indicating that I was making the XXXX payment with an additional {$100.00} to be applied to my principal. I received my billing statement from them again, and this time they had placed my entire payment and principal in a suspense account and were showing that I was deliquent and still owe for XXXX and had charged me another late fee. I sent them another letter telling them that they needed to apply my payment as I had indicated that I was not deliquent and to reverse the late fee. I got a letter back from them stating they were investigating the matter and it could take some time. They have yet to correct XXXX 's mistake, or the mistakes made in XXXX, my XXXX payment has been made using their online service just like I did in XXXX, I indictated that I was making my regular payment plus {$100.00} additional to principal. They have placed that money in a suspense account and are charging me a late fee again, sending me notices that I am two months behind. I have also sent them a letter regarding this error, reminding them about the XXXX error they have not corrected and the XXXX errors they have not corrected. I have also been in contact with the actual owner of my mortgage who says he is trying to get them to correct the errors. This is now the XXXX month in a row, I am being reported XXXX days behind, and am accruing more interest everyday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: SC

Complaint narrative:
My wife and I have been out of bankruptcy for 2 years and we included Selene Finance ( aka XXXX ) in our chapter XXXX bankruptcy. As we understood from the courts, that when we surrendered the home, the loan should have been transferred back to the lender so they can report it to the Federal database CAIBRS to update to show that the loan was no longer in my name. We are in the process of getting a new home and we were scheduled to close in two weeks, and it shows that the house is not updated. We have filed numerous complaints on Selene Finance because it seems that they do their own thing and not comply with the federal law. When we surrendered the home, they were supposed to take possession and take it out of my name. They have not done so for two years. It seems in the courthouse in XXXX county they just recently sold the home and took it out of my name last month which is not adhering to the bankruptcy rules. This has caused a delay in me purchasing another home because of their actions. I have spent time and money repairing my credit to buy a new home and they just keep on dragging this along.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I do not owe them money. At the date I was receiving medicaid and medicaid should have paid for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc.
State: KS

Complaint narrative:
I received a letter from a debt collector claiming I owe {$970.00} to XXXX XXXX. I have emailed XXXX and the debt collector and stated I do not owe the debt they are attempting to collect, and requested a response as well as some sort of documentation showing why they and/or XXXX believes I owe them what the collection agency is attempting to get me to pay. I have not received a response from either. The debt collector 's letter included an attempt to pressure me to pay half the debt claimed by XXXX/XXXX/2016 or their " offer '' would be withdrawn, yet no documentation supporting the existence of the debt being claimed has been received by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Solutions To Portfolios, LLC
State: VA

Complaint narrative:
I have received multiple calls from multiple people claiming to be from STP Management saying they are attempting to collect a debt. I have twice asked the person on the phone to send me via US Mail the paperwork connected to this debt and when asked they become hostile on the phone. Today I received a call from the listed number saying his name was XXXX and his message was somewhat threatening in tone, like mafia like threatening. This company is listed all over the web as being a scam or operating a scam and someone needs to look in to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 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: R & B Corporation of Virginia
State: CA

Complaint narrative:
XXXX XXXX : Retutned equipment to a XXXX XXXX at the time we moved. Asked if we had any outstanding balance, was told no we actually had a credit which they mailed to me. Now after a year of never hearing anything, email has not changed, I have it show up on a credit report. Called to ask what was going on? They said yes you returned equipment and we mailed you a refund but if you want this to go away you need to just pay it. Which I did so it quits reporting but I am following up with their corporate office for a better answer to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
they keep sending me collection that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ROCKFORD MERCANTILE AGENCY, INC.
State: IL

Complaint narrative:
I ordered my free yearly credit report fro the XXXX major credit reporting agencies, and discovered there were an account that did not belong to me. So I called the credit reporting agencies for verification on the account. I new the account was n't XXXX. At that time, I called he collection agency, which is Rockford Mercantile agency, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

I sent the police report stating that my Identification was stolen, and that this is not my debt, and I was informed by the collection agency, even though this my not be my debt, they will not be removing it from my credit file. I have also disputed it with the credit reporting agencies, I was told nothing could be done about it unless Rockford Mercantile Agency remove it. The credit reporting agencies only report the debt. The Collection Agency have the wrong address, no SS #, and no date of birth to identify me with, but will not take this fraudulent trade line off my credit report. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CHECK INTO CASH INC.
State: TX

Complaint narrative:
Received a phone call from XXXX stating that I was going to be charged for a civil and a criminal lawsuite from XXXX and Check Into Cash payday loan. I told them I have never had a payday loan from that company and they continued to harass me and I asked for the information date etc and that I would go to my attorney with this and they hung up. 
the Company is XXXX and the phone number was from Ohio. I went online to check into company and can not locate company I want to file a claim against them. If they can show me proof that I took out a loan with that company I am willing to make a settlement but not until.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ESCALLATE, LLC
State: NC

Complaint narrative:
I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Advertising, marketing or disclosures — 
Company: Netspend Corporation
State: MS

Complaint narrative:
I recently received a card in the mail from NetSpend stating that I could receive my paycheck two days sooner if I chose their card and paid a {$9.00} monthly fee for their premium service plan. I am not certain how they got my information or why they would send the offer to me. However, because I live in a relatively low income neighborhood, I fear that NetSpend is preying upon individuals who lack transportation to banks and/or the financial savvy to recognize predatory lenders/finance companies. I was instructed by a member of the XXXX to bring this issue to the attention of the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Cogent Road, Inc.
State: LA

Complaint narrative:
Funding suite/ XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX # XXXX entered a credit report inquiry on my XXXX and XXXX XXXX credit reports and upon contacting them, they could not find it, and I told them it was due to someone trying to attain credit fraudulently and I did not authorize the inquiry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: ESCALLATE, LLC
State: NY

Complaint narrative:
Escallate LLC ( phone number XXXX ) failed to file proper health insurance claims and went ahead without informing me to file a collection on my credit. They ruined my credit, now I have been denied a refinance mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington checking account charged a monthly fee of {$5.00}

Company response to consumer: Closed with monetary relief