vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: High Point Asset Inc
State: CA

Complaint narrative:
I have been receiving phone calls on both my home phone and cell phone. I blocked the number from both, but they are still able to leave a voicemail on my cell phone. They are stating they need to know my whereabouts so they can serve me papers. They also claim I have XXXX hours to respond before they submit it to the court. It is the same XXXX second message everyday. It is clearly a robo call, and they claim they are calling from High Points Assets. The person never identifies himself. I did call them back well over a week ago. I asked the lady on the phone, " XXXX '' why was I not mailed a debt validation letter. She said she would submit it by email. I said that does not validate the debt. I then asked her what her physical address was, she said they only have a XXXX. XXXX, and they are in XXXX New York . I knew then they were definitely a scam. Since I contacted them, they have called every morning between XXXX & XXXX pacific time. I am tired of these scammers thinking they can bully people into paying a debt they do not owe. I get these calls constantly, and I want them to stop. The number that they continue to contact me with is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Two charges were placed on my bill on the same date ( XX/XX/2017 ) for the same amount ( {$100.00} ) from two different companies in Florida -- ( XXXX & XXXX ). Yes, I was in Florida on XX/XX/2017. But I did n't even carry that particular card with me. And I am the sole user on that card. My husband carried all the joint cards with him. I reported this to my local XXXX XXXX Bank on XX/XX/2017, the same day I discovered the information online ( no paper report had come to me yet ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Kinum, Inc., Indianapolis, IN Branch
State: OH

Complaint narrative:
The collector from Kinum threatened to hire and attorney, and would not let me speak. He did not notify me of my right to dispute the debt, and would not let me talk to tell him I do not think I owe this debt. He yelled at me and screamed, refusing to let me talk. He called me at XXXX as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
Focus Financial Services agents have been multiple harrassing and threatening phone calls claiming to represent XXXX Hospital about a debt that as per my insurance company which has informed XXXX Hospital both verbally and written letter that their client ( myself ) do not owe for any excessive charges on services rendered on XXXX XXXX, 2014. All payments have been made in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dyck-O'Neal, Inc.
State: MA

Complaint narrative:
In 2008 I got behind on mortgage. After a long time XXXX XXXX foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. XXXX XXXX is coming after me for the difference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: First National Collection Bureau, Inc.
State: SC

Complaint narrative:
im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is XXXX and the collection people are for first national collection bureau, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I had a dispute over the amount due. The company was told when I first got the loan to never call my work. On Friday, XXXX XXXX, 2015 the company called my work. When I asked if she were aware she was not supposed to call and she said yes and apologized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
All verifiable info belongs to me ( name, address, phone # ) except for the SSN. I am a recent victim of ID Theft by someone using the SSN provided by the collection agency. The debts original date was 2002 from XXXX XXXX and has since been sold to various collections agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
attempting to collect 30 % collection costs, no agreement. 

collecting an invalid debt, debt does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
We received a call from the XXXX XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX XXXX XXXX office told us they had several calls on this topic today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Guidiville Indian Rancheria
State: OH

Complaint narrative:
Left vm in parents can that they were charging me with XXXX counts of fraud the phone number that showed up on caller id was XXXX county clerk of courts but number on cm call to resolveissue and not be charged was to call XXXX XXXX XXXX, then when I called them it went directly to there be no company name or employee name they returned call next day from now a Georgia phone number to call the same XXXX number when I called he was rude and his vm stated they would file for willful evasion. When I asked why they did n't send me written letter he stated he was not a collection agency so they did n't have to that he was a law office and when I asked company name he told me XXXX XXXX. He said I had balance on a pay day loan of {$350.00} but would settle today for {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK

Complaint narrative:
Investigator XXXX contacted a contractor i worked for and stated he was investigating me for Fraud In XXXX County. He has also left voicemails on my phone as well as my wifes stating the same thing. The debt is in reference to a payday loan with Ace Cash Express. They have threatened legal action for fraud and civil action. This gentleman has contacted family friends and work. stating that i am being investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: RFNA, LP
State: KY

Complaint narrative:
Received a check for {$1200.00} from Republic Finance in XXXX, KY that, if signed and cashed, would enter me into a loan agreement with Republic at an APR of 41.03 %. The letter reads " let us help you with school expenses, '' but XXXX paragraphs later is advertised as " a pre-approved loan just in time for summer fun! '' The letter is signed from XXXX XXXX, Manager at Republic Finance at XXXX XXXX XXXX in XXXX, KY. I do n't know if this violates any specific consumer finance regulations - but it sure should!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 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: FL

Complaint narrative:
XXXX XXXX bundled their services into on account when I obtained a smart phone. After I received my XXXX bill from XXXX, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire XXXX service package. I still had my cell phone services with XXXX and I switched to XXXX where I previously had my cable services and am very satisfied with XXXX for the past four ( 4 ) years. XXXX " held my feet to fire '' for many months, charging me for wireless cell services that I did not use, could not use and had no intention of using. XXXX turned the account over to a collection agency in 2011 and subsequently it was turned over to XXXX ( XXXX ) more collection agencies. I disputed each agency handling the account and each XXXX closed and returned it to XXXX. I do not know which agency is reporting the item to the XXXX credit reporting agencies but it is a blemish on my credit record. I use only a debit card and do not have a credit card. I have a sixteen ( XXXX ) XXXX old automobile that I made XXXX ( XXXX ) payments on and was never late on any payment. It is time to replace the car but I ca n't because of the XXXX bill on my credit record. I am XXXX ( XXXX ) years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: ID

Complaint narrative:
I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( FYIXXXX was the lender at the time of the Bankruptcy )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Thaxton Investment Corporation
State: SC

Complaint narrative:
This company sent a live check to me which was cashed and I never applied for nor signed a contract with them. I was and have been unemployed since XX/XX/2015. they have reported to the credit bureas that i owe them XXXX on XXXX seperate lines. I have been harrassed by them coming to my home and communications by phone and mail. I have told them I have no account with them since we have no legal contract or any application. I think this company is some sort of scammer to get people of meager means to commit to them by sending out a live check to you even though they dont qualify for it due to thier finacial state. If you ca n't help me at least look into this type of lending practice

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI

Complaint narrative:
My mortgage company has been late paying my real estate taxes incurring late fees of {$230.00}. They have deducted XXXX tax payments from my account totaling {$2700.00} that have not been received by my town over the last 4 months which I consider missing. Furthermore they have removed over withdrawn my account in negligence for {$770.00} above what was due by deducting an extra payment which is XXXX of the XXXX missing payments. 

A full explanation can be found in the supporting documents. I have spent nearly 3 hours on the phone with the company trying to resolve this matter to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I get a collection on my credit report for {$81.00} that I do not recognize and what no award of. I never received any communication about this bills and I want this account to be closed and removed from my credit report immediately. I do n't like that anyone can access my credit information and report bills that I do n't even recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Hello : My wife returned from XXXX last XXXX XXXX 2015 by XXXX XXXX from XXXX XXXX XXXX ( XXXX ) to XXXX NC ( XXXX ), she had to pay baggage fee for only XXXX suitcase, she paid R {$260.00} ( which are shown in the Discover monthly statement as {$85.00} ) equivalentto {$81.00} USD ; some days later I received the credit card monthly statement from Discover with XXXX charges : XXXX XXXX $ XXXX MISC SALE/ TAX/ XXXX BAGXXXX XXXX XXXX XXXX $ XXXXXXXXXXXX XXXXBy the charge description in the monthly statement I assumed R {$260.00} corresponds to {$85.00} USD then I decided to call Discover Credit Card Customer Service Department so as to explain the situation, only XXXX charge should be valid. 
They initiated the dispute for {$81.00} because I have a receipt from XXXX XXXX Baggage Fee with the amount of R {$260.00} which would correspond to {$85.00} USD ( According with the credit card monthly statement ) ; Discover opened a case # XXXX. 
I received an email from Discover ( exactly XXXX month later ) with the resolution in favor of XXXX XXXX. 
There were some documents attached from XXXX XXXX where they show {$81.00} USD corresponding to the R {$260.00} ; then I contacted XXXX XXXX and asked about the transactions from my wife credit card the day she traveled, XXXX XXXX only XXXX transaction for the baggage fee corresponding to {$81.00} USD ; they did not recognize any charge made by {$85.00}. 
Then it seems the description in the Discover monthly statement was wrong too. 
Well, now everything indicates that {$85.00} is the amount that should be in dispute instead and for that reason I requested to open another dispute case ( # XXXX ), but this time for the {$85.00}. Exactly XXXX month later ( yesterday ) I received an email from Discover attaching only the copy of the receipt from XXXX XXXX showing the R {$260.00} as an answer from the dispute case, but it does not say how many dollars would that amount represent. 

So this document does not show that {$85.00} corresponds to R {$260.00}. 
The XXXX dispute case showed {$81.00} which corresponds to R {$260.00} ( and it is correct ). 
Now Discover is convinced that this receipt from XXXX XXXX represents a valid argument to charge me with {$85.00}. 
I am a customer who pays the monthly statement complete every month, I am contacting you because I feel Discover is not taking my case ( as a customer ) in the correct way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
This debt has not been verified. There were no contracts or signatures provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have a Discover card that has not been used in years. I recently noticed they are charging interest charge on cash advances. I contacted them about it and they replied that the charges were from over 7 years ago. The agent could not really tell me when or amount. So, sent a message to the company and I received this replied : Thank you for your email regarding the Cash Advance interest on your statement. After reviewing your account, I found that we chatted with you online on XXXX/XXXX/2016, regarding this matter. If you need further assistance with this matter, or if you have other questions or concerns, please let me know. 
I am sorry, but this is not acceptable. I do n't mind paying, but I need answers. I do n't remembered ever taking any cash advance. Please help me! 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover card has failed to offer the award I earned by using discover card. Discover card has made a mistake with my dispute of a charge. As the result of Discover card 's mistakes, I lost {$47.00}. I refused to pay Discover card for the amount I lost. Then, Discover card repeatedly charge late fee over {$100.00} and interest for the balance I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
I received a letter from discover card stating that I have a balance that is delinquent. I contacted discover card and advise that I never applied or open an credit card account with their company. I have disputed the credit card account with the credit bureaus and with discover card requesting that the account be removed from my credit file and the account ca n't be validated nor will they remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover bank purposefully delay to credit transferred in cash into my account. It also withheld the money in my account for several days before I could use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
Debt was paid in full yet Professional Placement services has left it " OPEN '' on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have been enrolled back at XXXX XXXX University in the fall of XX/XX/XXXX. Recently, i have been harassed by Discover Student Loans for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Discover is now reporting to the credit bureaus that I am late. At this point, Discover needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I was married in XXXX and became a auth user on my mother inlaws discover card. she passed away in XXXX XXXX I called discover and told them what had happened and they told me that I would have to pay any balance that I had after her PASSING and that I was not responsible for any thing before that time because I was just and auth user, so I paid what I had to and contacted them to let them know that my part was paid. they started sending me statements and said that I had agreed to take the acct over and I told them NO I did not. So they were sending me treating notices so I took it to my lawyer and he contacted them anf told them to send him info were I signed to agree to take over the acct. They were unable to do that and he told them that the acct was not mine and to remove it from my credit report they did not. they said they sent all info to there lawyer and that the investigation was complete and that I owed it but they never sent me nor my lawyer anything.. The card was opened in XXXX and I was not living at this address nor was I married to my mother inlaws son nor even knew him. recently I got my XXXX credit report and it shows that I used the card in XXXX, XXXX, and I did n't even know my previous husband at the time. to me this is fraud.

Company response to consumer: Closed with non-monetary relief