vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
My father died XX/XX/XXXX. I am his sole heir. He had given a power of attorney to a friend who helped him manage his affairs. XX/XX/XXXX, that friend received a letter from Santander Bank stating that my father 's bank account had been inactive for more than three years and that the bank would have to remit the funds in the account to the Massachusetts Treasurer 's Abandoned Property Department unless the bank was contacted. The friend forwarded the letter to me. I called the bank 's customer service number and was instructed to mail to the bank 's " fulfillment department '' my father 's death certificate and an affidavit stating I was the sole heir. I mailed those items on XX/XX/XXXX and have followed up that mailing with XXXX faxes of the same material. The bank will not acknowledge the correspondence. I have called the bank 's service center each time before sending a fax. The service representatives state that they do not have a phone number for the " Fulfillment Department ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 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: OH

Complaint narrative:
I recieved a payday loan to help pay for bills while i was out of work from a car wreck in 2014. I was out of work for 5 months and a settlement against the man that hit me is being processed. I couldnt be homeless with my daughter. I have made some payments to them but they said it doesnt count. Since then, I have been Receiving threatening emails saying they are sueing me and making an arrest warrant for me. A few months ago I tried settling with them and the yelled at me and harassed me and my work place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
Our mortgage servicer has failed to pay summer property taxes owed on our home. The house straddles XXXX jurisdictions, XXXX XXXX, XXXX County, Michigan and XXXX XXXX, XXXX County, Michigan. Summer taxes became due to both Townships on XX/XX/XXXX They were payable without interest or penalty through XX/XX/XXXX. The present amount owed to XXXX XXXX is {$1700.00}. The present amount owed to XXXX XXXX is {$390.00}. Our mortgage payments are and have been current As of XX/XX/XXXX, the balance in our escrow account was {$6400.00}. As of XX/XX/XXXX, the escrow account contained {$7200.00}. 
On XX/XX/XXXX, I contacted the servicer by phone to inform them that the summer taxes were unpaid and was assured that although the taxes had not been paid, the matter would be addressed and the taxes paid within 21 days. I asked for written confirmation, but was told that none would be provided. The taxes remain unpaid, creating the false impression on our credit record that we are delinquent in paying these taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Dyck-O'Neal, Inc.
State: CA

Complaint narrative:
Client in the process of selling their property. A lien popped up on title from an old XXXX account. The company purportedly handling the lien is called XXXXXXXX, XXXX, TX XXXX. Despite being asked on numerous occasions to provide a payoff to escrow, they have refused. The seller ( client ) now is being threatened with a lawsuit by buyer because of this company 's actions. XXXX is in violation of XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau of Jamestown, Inc.
State: IN

Complaint narrative:
I am being harassed by a company called CBJ collections stating I took a payday loan in 2009 of {$600.00}. I have no recollection of that whatsoever, and they refuse to send me any documentation stating proof of debt. They have verbally harassed me with foul language and threatening court. I want all of this to stop ... they have called family members immediately without giving me anytime to call them back. want my name to be removed and to stop passing my name to other collection agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
applied for a payday loan from ACE cash express on XXXX/XXXX/16. did not receive funds as promised on XXXX/XXXX/16 so I called and cancelled. 
with cust svc rep XXXX at ex XXXX XXXX assured me that loan was cancelled. received funds on XXXX/XXXX/16. Tried to cancel, talked to an extremely rude CSR named XXXX, she claims computers are down so I can not cancel or pay off loan, she then hung up on me during conversation. called back and asked to talk to her supervisor and was hung up on again, Computers will be down all day so I can not pay off loan until XXXX/XXXX/16 if computers are working then. They have been down two days. on XXXX/XXXX/16 it will be past the 72 hr limit to pay off loan without charges. They said charges will occur even though I can not pay loan due to their computer system failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: RFNA, LP
State: LA

Complaint narrative:
I borrowed {$2000.00} and some cents from Republic Finance , Inc. on XXXX/XXXX/XXXX and they added charges to this account of {$4900.00}. So I received another check totaling {$2000.00} and paid off the {$2000.00} and some cents on XXXX/XXXX/XXXX. This account was for two years and I paid the account off in one year. I made a payment in XXXX XXXX for on XXXX/XXXX/XXXX with the late charges. I made payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and these payment were not on record for {$130.00} which was the late charges also. The payments were for {$120.00}. The company stated that I borrowed {$2100.00} which was incorrect. I paid this account off on XXXX XXXX, XXXX but this was not a settlement. This account was not in collections. I was never told this. I informed them that I was paying this account off early and they put me in collections. I have a zero balance. If they told me at the time in paying off this account, this was a settlement, then I would not have done it. In the credit bureau they are showing XXXX for collection from XXXX to XXXX. I paid this account off a year earlier not in collection but paying off a revolving account. I want the XXXX taken off my account and 60 day past due for XXXX, XXXX, XXXX and XXXX. I received a letter later on XXXX/XXXX/XXXX that this was a settlement but they already had my check. I was not told at the time that this was a settlement and the account was in collection. I did not receive a XXXX on this settlement. This false information is ruining my credit until this date. Had I knew this would be put in the credit bureau as collection and incorrect dates of 60 days past due, I would not have let them deposited the check. I written the credit bureau and talked to a vice president but nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Opened a new citigold account with the promotion below. 

Citibank Citigold Checking is offering up to XXXX XXXX XXXX XXXX bonus miles with promo code XXXX good until XXXX XXXX, 2016. In order to get the maximum XXXX bonus XXXX, you must open a Citibank Checking Citigold Account Package, set up a bill payment for at least XXXX consecutive months, and make at least {$1000.00} in debit card purchases. 

Called multiple times and getting the runaround. Getting charged monthly fees for waiting on miles to be credited to my airline account. Multiple times no communication from citibank. Please help.

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
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX is showing up on my credit report 2x. This is something that originated in 2013. I signed up for classes at XXXX and then withdrew. I never attended one class there. I was told I would not owe any money and I have been battling with this for two years now, I have written letters, contacted the school etc. they are now showing it has been turned over to a collection agency not once but twice. One amount is XXXX and the other is XXXX. I do n't know what to do I do n't owe XXXX bill let alone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 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: TN

Complaint narrative:
XXXX XXXX EMPLOYEE/SUPERVISOR XXXX XXXX HAS STATED TO ME THAT BY LAW XXXX DOES NOT HAVE TO SUPPLY A STATEMENT ON THE FIRST LATE DATE OF THIS ACCOUNT, NOR DO THEY HAVE TO KEEP THE IN HOUSE RECORDS. I ALSO HAD THEM CHECK INTO ANOTHER CASE THEY HAD IN THERE OFFICE SOMETIME AGO. 
ACCOUNT NUMBER : XXXX Original Creditor : XXXX, XXXX. 
Current Owner : XXXX XXXX XXXX XXXX Number : XXXX AND THEY HAD TOLD ME THAT THE ABOVE CASE HAD BEEN DISMISSED, AND THAT THE CASE I 'M DISPUTING NOW ACCOUNT NUMBER : XXXX REF NUMBER : XXXX WOULD BE CLOSED DUE TO HARDSHIP, BUT I 'M STILL BEING HOUNDED BY THEM AND FIRST NATIONAL COLLECTION BUREAU , INC .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
His always blowing up my cell phone if I do n't answers they call my work number or sometimes my reference and they send over employment verification as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
Meridian financial placed me in for collection without notifying me. My credit score went from a XXXX to XXXX. I was n't given an opportunity to discuss and or pay a debt that was 5 yrs. old prior to them killing my credit. I contacted the time share and solved the problem in a 20 minute phone call. When I called them Meridian to tell them that this was a misunderstanding and the debt was paid, ( without there help ) and that I would appreciate them clearing my name I was told and lied to about how they spoke with my husband ( XX/XX/XXXX ) ..who died in XX/XX/XXXX. And how they sent numerous letters to an address I never lived at. And how this will be staying on my credit report for 7 years!!! I think it is unfair for a company to have so much power that they are able to wipe a persons credit out with the stroke of the keyboard. I am asking that this mistake does n't wipe out 40 years of exemplorary credit! My credit is who I am and it means the world to me. As a widow I would not have been able to provide for my children. Now as an XXXX adult I must maintain great credit to survive. Thanks!!

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 2016-01-12 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: First National Collection Bureau, Inc.
State: NE

Complaint narrative:
A collection company sent a letter stating that I owe {$900.00} for a cell phone from XXXX XXXX XXXX. The collection company is First National Collection Bureau , Inc. located at XXXX XXXX XXXX, XXXX, XXXX XXXX but the return address is a PO Box , XXXX XXXX, in XXXX XXXX. I have never had a XXXX account and I have been with the same company for almost 21 years now. Also, the address I live at is a home, and they added an apartment #. I think this is a scam, and I worry about older people being taken advantage of or other people falling for this. 
Letter states : This is to advise you that your delinquent account has been assigned to our office for collection by the above mentioned current creditor. ( XXXX XXXX XXXX ) Unless you notify this office within 30 day after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion of it, this office will obtain verification of the debt or obtain a copy of the judgment and mail you a copy of such judgment or verification. If you request of this office is writing within 30 days after receiving this notice this officeXXXX will provide you with the name and address of the original creditor, if different from the current creditor. In order to aid your financial situation, as may be necessary, we could set up your account on a monthly payment plan. we would like to extend the following discounted offer : 80 % discount payable in XXXX payments of {$90.00}. Each payment within 30 days of the previous payment. We are not obligated to renew this offer. For your convenience you may pay via a check over the phone or credit card. You have our work that your account executive will treat you fairly and with respect. Sincerely, First national collection Bureau , Inc. *then further down on the letter at the bottom. The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX XXXX will not sue you for it, and XXXX XXXX XXXX will not report it to any credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 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: First National Collection Bureau, Inc.
State: NM

Complaint narrative:
This has been removed and keeps popping up with different collection agencies on my credit report. I do not owe this nor have they responded to repeated attempts to validate and prove this is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
Call at least 6 times a day all on different numbers and leave voicemails everyone in a while

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Gitsit Solutions, LLC.
State: TX

Complaint narrative:
Regarding : Case # XXXX Case # XXXX Cause No. XXXX In final response to Kondaur limited reply. Kondaur evicted me after they sneakily, undercover-ly knowingly and deliberately stole my house. Kondaur did not care about me as a consumer. They pretended that they were going to help ; however, their intentions were to purchase the loan from XXXX and sell the house out right! I qualified for the loan modification which they have established but refuse to comply. KCC did not reach out to me before the said " foreclosure '' on XXXX/XXXX/2015. In which I was told, by the auctioneer at the time of the sale at XXXX XXXX that no " foreclosure '' would be done. How can you foreclose on a house that has not been mandated to back to XXXX XXXX County- while it is in federal court? They pretended by using a CS Rep/ Relator XXXX XXXX to fill my head with the hopes that they would like to help after stealing my home, in which we paid XXXX down on. There is still unaccountable accounting information. 
In regards to the bankruptcy case, it was dismissed ( a mutual agreement ) " without prejudice '', said the honorable judge on file. According to the judge on file in XXXX XXXX county, the case has not been mandated back to XXXX XXXX County as of XXXX XXXX, 2015, the judge did not have the liberty to move further. We have not had our date in court, unfortunately Kondaur refuses to comply in all areas and they have not given valid reason to their unlawful actions. 
Sincerely, XXXX ' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: J&L Collection Services
State: CA

Complaint narrative:
Threatened to place a derogatory credit remark on my credit history in retaliation for my questioning the accounting & billing tactics employed by their client. 

J & L Teamworks of XXXX, CA has been sent many notices advising them that to pursue these disputed debts while they are disputed is a violation of federal law yet they continue to threaten to do so. 

On the phone I have been told that J & L Teamworks enjoys the fact that XXXX XXXX can not accurately bill. They then get to " clean up deadbeats like.. '' me. And they are paid more for collecting more debts unnecessarily complicated by XXXX XXXX of XXXX XXXX XXXX, CA not sending complete paperwork to patient to substantiate their billing. 

As a result, perceived over-charges now exist as XXXX was successful to work with J & L Teamworks to prevent the errors from being detected. I questioned this practice which led to the threat of derogatory credit comment & I was even banned from using our community 's only emergency room. 

Can you please stop companies from working together like this? It confuses me to the point that I can not understand for what they are collecting. And I have an XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone XXXX times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( Director @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. XXXX, XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXX Fax No. : XXXX

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 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe
State: MA

Complaint narrative:
I am repeatedly receiving calls from from ConServe XXXX. They do n't leave a message and when I called them back, they had no record of me or my number in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I had a delinquent account through XXXX XXXX XXXX XXXX. A collector called me over the XXXX yr collection time. Since I am working on my credit, we agreed on half the cost, {$1700.00} plus. I have record of payment complete. This was in XXXX or XXXX. On XXXX XXXX, I get a letter from First National Collection Bureau stating I owe {$3900.00}. However, this is an account number for a XXXX XXXX XXXX XXXX XXXX with my XXXX total. Furthermore, they used a name that I stopped using after my divorce from my first wife, nor have I ever owned a XXXX XXXX. I believe these practices are fraudulent. The letter states I have XXXX days to respond or I automatically assume responsibility. I have paid my debt, and I have good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I keep receives a letter from First National Collection Bureau , Inc. for debt collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation