vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Oracle Financial Group LLC.
State: AL

Complaint narrative:
I am writing to file a complaint against Oracle Financial Group in New York a debt collection agency. I called Oracle Financial Group to let them know that I was mailing a XXXX dollars Cashier 's Check which someone named XXXX at the agency said that it was fine to mail in a Cashier 's Check. When I called I ended up getting the Operator of Oracle Financial Group who then took matters into her own hands. When I explained to her how much money I was sending and that it was a Cashier 's Check, she then went off on me with vulgar language and threatened me with legal action. The Operator of the company then said, " We do n't accept Cashier 's Checks or Money Orders, the only form of payment that we receive are by phone using a debit card or credit card number only! '' Then I went on to explain to the female Operator of Oracle Financial Group that by law any bank can take away a debit card or credit card when it has been abused! And I explained that I do n't have a debit card number or credit card number to give to Oracle Financial Group. She said, " Who told you that you can mail in a Cashier 's Check?! '' I told her someone named XXXX from their company said that I could mail in a Cashier 's Check. The Operator of Oracle Financial Group said, " XXXX had no business telling you that it was okay to mail in a Cashier 's Check! '' Then I told her also after coming from a Bankruptcy which my case was thrown out by the courts I have over XXXX bills to pay, so I will mail in another payment when I can. Then she used vulgar language by using the XXXX word ending in an XXXX, but I will quote what she said by putting blank in the place of the very offensive word she used. The Operator of Oracle Financial Group said, " Do n't think that you can send money any blank time you feel like it! And we do n't accept less than XXXX XXXX dollars and you must be set up on a payment plan with a debit card or credit card! Or you can walk into XXXX XXXX XXXX and deposit the money into our account. '' I told her that there is not a XXXX XXXX XXXX in my area or even in the state that I live in from what I know! Then the Operator of Oracle Financial Group began to argue me down by saying, " There is a XXXX XXXX XXXX in your state! '' The Operator of Oracle Financial Group said, Yes it is! Yes it is! What state do you live in? '' I said, " Alabama! '' Then the Operator of Oracle Financial Group said, " Oh! Well you 're going to have to go and retain an attorney! '' I told her that I did not need an attorney. Once again the Operator of Oracle Financial Group said, " You 're going to need an attorney and you are going to prison for not being able to pay Always Money! '' Then I hung up the telephone, since the Operator of Oracle Financial Group upset me real bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX and XXXX XXXX XXXX somehow has reach out to let me know Resurgent Capital Services now owes this XXXX account. Which is claim I owe someone. I am unaware of this account or the debt that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I have a {$500.00} limit on a credit card that I have had for about 2 years and every month there is an obscene amount of charges. Interest charges, member charges I just want to close this account. I just ca n't seem to get it down to XXXX so I can close it. No one answers the phone. I ca n't speak to a person.

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 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TIDEWATER FINANCE COMPANY, INC.
State: MD

Complaint narrative:
I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
My Credit Report now shows a " Collections '' account regarding a " XXXX '' account from 2011 being collected ( and reported to Credit Bureaus ) by Real Time Solutions in XXXX. I immediately contacted RTS and told them this was not my debt. They did not contact me prior to reporting ( despite having my email address ). 
They advised me to send them a Police Report ( I.D . Theft ) and they would remove it. This was done. They then asked for an Affidavit, which I completed. Real Time Solutions is polite but they are not transparent about the status or anticipated resolution. 
They illegally reported this, they did not contact me prior, and they have not yet removed this despite me complying with every action they 've asked me to take. When I ask about resolution.. they respond " It 's in " Research '' ''. 
I did have identity theft in 2011 and had to change my bank account. I explained this and provided them with a police report. 
There is no apparent resolution, yet my credit report has been severely impacted and I was denied a XXXX card which I needed for work expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
Discover claims my payments for their XXXX accounts with them were each 1 day late last month. They raised the amount of my payment on each, charged a late fee on each, and increased my interest rates on each. I filed a complaint with the BBB of the area, and requested contact be made via mail, but Discover started to bombard my home with phone calls. The XXXX time they called, I was out getting groceries and they spoke to my husband, which is against the law. His name is not on my accounts. I mailed my payments in plenty of time for them to get to them, and paid more than the minimum payment due on each! It so happens there was 1 day the mail did not run in XXXX, due to the winter storm, and if in fact the payments did not make it in time, that is most likely why. I have no control over the weather, or when the post office might close, but truthfully, I believe the payments got there, and they set them aside so they could claim late payments. It would n't be the XXXX time they have done this to me. I mailed their payments 6 days before the due date. They usually receive them within 4 days of the time I mail them, so something fishy is going on here. They are ringing my phone off the hook, and refuse to make it right, even after the BBB complaint. They have already called XXXX times today alone, and I know they will call more. I have documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 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:
My daughter is not able to pay on loans that Discover claims that we ( my husband and I ) cosigned with XXXX and were then purchased by Discover. I have contacted XXXX, and they can not help me other than to state that it was once very easy for the student to respond to an email and you were then the cosigner, but steps have been taken in the past five or more years to ensure that the cosigner does know and is willingly cosigning. There is no evidence of our signatures on any documentation, only the printed words " electronically signed ''. 

My daughter defaulted on XXXX loans for which my husband is listed as the cosigner, which is ruining his credit, and we were never notified. We found out after it was already in default because of a credit check. Discover claims that they did not have to notify him because telling the cosigner is " only a courtesy '' and they are not required to do so. 

My daughter admits that she just responded to an email that listed us as the cosigner but did n't realize that she was doing anything wrong because she was following XXXX 's instruction. She does not make enough money to pay back her loans and still survive ( XXXX a month payments on XXXX loans ) and Discover does not consolidate. She tried to consolidate them through a bank but because of the default no one will help her and every time a bank runs an inquiry her score drops even further. 

No one will help us. I 'm being forced to make the payments on the XXXX loans where I am listed as cosigner just to keep decent credit. Discover has a policy that if six payments are made on time that the cosigner can be released, but only if the student has good credit, and that is likely not going to happen quickly. No one at Discover will even talk to my husband about the XXXX loans that defaulted. They can ruin his credit but not talk to him. It 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
In XXXX, 2015, I began corresponding with Discover card services, through their online messaging center, about rebates I did not get for products purchased through their site forwarded to XXXX to get the rebate promised by Discover. I followed all of their protocols and there is NO way for a consumer to know if the rebates were paid for any specific item. There was a list of at least XXXX items I did not receive a rebate for. After my thoroughly documenting all the purchases, dates, numbers etc., they are still contesting many of them, and others they said 'were paid ' but I have no way of knowing what item it was. I feel they are not paying on the rebates legitimately earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: OK

Complaint narrative:
for many years I have had my Discover cash back linked to my XXXX account allowing me pay for my XXXX purchases with my Discover cash back. A few days ago Discover disconnected my Discover cash back from my XXXX account taking away my ability tto pay for my XXXX purchases with Discover cash back. I call Discover asked why? Discover told me because I had refused to give them the ability to sell my personal data to third parties they were removing my Discover cash back link from XXXX. NOTHING in my Discover credit agreement allows for Discover to withhold contracted priviledges afforded any other Discover card holder nor is there any EXTORATION if the dedtor refused to allow personal information to be sold to third parties - yes EXTORATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: NE

Complaint narrative:
Rent Recovery Solutions is attempting to collect a debt that was shown to not be valid. A request for balance update was sent, and has received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NY

Complaint narrative:
Attempted phone calls to my wife 's job after telling them never to call there again after the XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
My real complaint is regarding communication but no correct option to check as there was NO communication at all from either XXXX XXXX or Americollect. The only way I found out about the debt collection was an email from my credit monitor once I was already in collection. I participate in a XXXX XXXX program that posts statements online and allows XXXX to communicate directly with me without mail or phone but XXXX provided no communication. Although XXXX received XXXX payments since XXXX, 2016, XXXX was the last statement posted online so I could not see payments applied and XXXX accepted payments after they put me in collections. There is no debt and payment to Americollect would constitute duplicate payment. I have repeatedly requested a document from XXXX showing all payments, at what point I went into collections, and why I was put in collections. Still waiting ; not provided and they could have posted this immediately online if they had been willing to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX states a complaint to the Consumer Financial Protection Bureau on a very poor reinvestigation by one of the largest credit reporting agencies. Even though I showed proof that my education loans were always in deferment and that the balances were eventually taken over by another service agency, I have never made one payment ever to the FED Loan Servicing. This collection agency was only operating as a credit reporting process after the initial procurement of the student loans. The loans were financed privately. This negative reporting is causing me severe financial hardship. The same credit rating states PAYS AS AGREED, while showing an immediately 90-day late payment status while the debt obligations were deferred from payments. This is highly discriminatory. I am a professional XXXX woman and I find this type of credit reporting to be racially biased and I have zero chance of ever refinancing with this abusive rating process. All credit reporting agencies have a responsibility to maintain the strict standards of not only the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, the Fair Debt Collection Practices Act, in addition to the high standards of equal rights protections such as the Equal Credit Opportunity Act. I believe that the Federal Trade Commission should have a full investigation on racial inequality when it comes to credit reporting processes and that all credit bureaus should maintain the sensitivity that is essential for fairness pertaining to matters of race. My previous complaint brought no action, even though the negative payment history must be deleted permanently. If I do not receive the proper reinvestigation by the credit bureau against XXXX. I will proceed a complaint with the attorney general of my state residency. This improper reporting process is causing me hard financial hardship that can only be understood by minorities such as myself trying to better their lives through education, and working several full time jobs and raise a family at the same time. My credit report needs to have the negative payment history purged permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect
State: IL

Complaint narrative:
Medical debts should have been reported to my insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriFirst Financial Corporation
State: MI

Complaint narrative:
We had a home fire XXXX 2013. We settled with XXXX XXXX insurance ) for $ XXXX to rebuild our home. XXXX sent the insurance funds payable to us & AmeriFirst Home Mortgage - as we have a mortgage. AmeriFirst would hold the funds in escrow & pay out the funds in intervals as the home is rebuilt. At several points AmeriFirst would work with our builder to defraud us or coerce us to make payments we disagreed with. In the end, AmeriFirst helped our builder ( who quit before the house was done ) steal a great deal of money from us. AmeriFirst refused to give us the funds they were holding to repay invoices we 'd paid to rebuild the home. Then we received the final insurance disbursement, which AmeriFirst demanded they get the check ASAP - that was almost 2 months ago. Since that time they have made excuses, delayed & stalled reimbursing us for invoices we incurred. They absolutely refuse to repay us a single penny. They 've stated that they 'd release the funds once an appraisal was done to show the value of the home was over $ XXXXk XXXX our original mortgage ). They 've stalled & changed an appraisal to a BPO, FHA inspection, inspection & back to an appraisal. We ordered our own & showed that our home was $ XXXX, which is obviously more than $ XXXXk. Two weeks pass, we hire an attorney & AmeriFirst has objected to our motion to compel the release of funds since we met their requirement of $ XXXX in value. Now they 're objecting to the appraisal stating that they believe the value of the new construction XXXX sq ft home is well under $ XXXXk XXXX after spending $ XXXX ). This is simply another stall tactic to hold our funds. AmeriFirst believes the funds are theirs & that they should keep the funds in order to mitigate their loss of value on our home, which is crazy! This is the end of the story - but there 's so much more they 've done wrong - such as releasing $ XXXX to the builder after we clearly told them we no longer wanted any more funds to go thru the builder. They forced us to sign over the 2nd disbursement rather than pay bills thru AmeriFirst. Then after the builder quit & they were notified they 'd quit - AmeriFirst still worked with the builder to steal funds from us. AmeriFirst released inspection reports after the builder quit. AmeriFirst released information about how much additional money they were holding to assure the builder they could steal our funds & bills would still get paid. AmeriFirst has worked against us every step of the way & in very illegal & unethical ways - much like them continuing to hold funds for months when they clearly know from prior inspections & a current appraisal as well as FMV of new construction that their objection is frivolous & a delay tactic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dispute Case : XXXX XXXX/XXXX/15 XXXX XXXX NJ {$58.00} I received defective merchandise from a company. The item was returned, but the company failed to issue credit. Therefore I disputed the charge in writing on my Discover Card. Discover has not investigated correctly. The merchant presented XXXX. However the merchant failed to provide proof the XXXX XXXX XXXX were accepted. This was denied. In addition I provided proof ( tracking ) that the item was returned as requested by the merchant. Discover claims this to be outside the return limit. However the merchant failed to provide proof of delivery. The return was within the return limit. The merchandise was not as described, i.e. the glasses were broken. Discover Card failed to investigate unbiased. Instead my legal right of disputing a charge were negligently hurt by making biased decisions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I purchased my home on XXXX XXXX, 2015. My first payment was scheduled for XXXX/XXXX/15 to be made to Primary XXXX Mortgage in the amount of {$890.00}. The first payment was deducted from my bank account on XXXX/XXXX/15 in the amount of {$900.00}. The second payment was made to the same servicer via a cashier 's check on XXXX/XXXX/15 in the amount of {$890.00}. 

I was notified in XXXX that my account was going to be service transferred to XXXX XXXX XXXX XXXX XXXX mortgage ) and the payment for XXXX/XXXX/15 was to be made to them. The account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX as current, due for XXXX/XXXX/15. The XXXX payment was processed on XXXX/XXXX/15. The XXXX payment was also sent to XXXX and processed on XXXX/XXXX/15. I received a letter from XXXX XXXX XXXX at the end of XXXX advising that my XXXX payment had not been received. I called and spoke to an agent who advised that I must sent in proof of payment. The proof of payment was faxed on XXXX/XXXX/15. On XXXX/XXXX/15, I received a call from the servicer advising that they completed research and determined that all payments were posted accurately and the account was still delinquent. I spoke to a supervisor who advised that at the time of service transfer, the account was 30 days delinquent and due for XXXX/XXXX/15. 

I sent in an additional proof of payment for all XXXX payments, including a screenshot of my transaction history on XXXX/XXXX/15. I have called every other day since then and have yet to receive a response. My last conversation was on Monday, XXXX/XXXX/15, in which the agent advised that they are trying to get a hold of CHFA to see what happened. As they answered the phone as XXXX loan servicing, I was under the impression that they were doing the research. It has been almost 30 days and I have yet to receive a response. 

Additionally, on top of the dispute, I am currently accruing late charges and negative reporting to my credit. 

I would like to have this issue resolved as soon as possible as it has been over 35 days since the first dispute was sent in.

Company response to consumer: Closed with explanation