vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
Good morning. I 'm trying to settle my home loan with Ditech. My home has been listed on the market for over a year. I finally found a buyer who is offering {$18000.00} CASH to purchase the home. It 's a mobile home in a park. Unfortunately, I 'm underwater on my loan. I owe {$29000.00} and have been paying on the loan for 17 YEARS and am current on the loan. I just want to sell it and get out of the mobile home park. At first, Ditech told me to do a short sale application, which I did. That was denied because they do n't do short sales on mobile homes in parks. That was run-around # 1. So I was instructed by Ditech to do a settlement letter, simply saying I request Ditech accept {$17000.00} as full settlement. I completed the settlement letter as instructed. I wait only to be told shortly later that the settlement was denied because they want more money and that my settlement letter provided no details. Run-around # 2. I told them their rep said to provide no additional information, only that I was requesting settlement. Too bad, Ditech said. So my buyer increased her offer to {$18000.00} cash and I resubmit the settlement letter with the higher amount plus the additional info I was asked to provide, i.e., why am I moving/selling the home, when will they get the money ... So I submit the offer and wait again. Throughout this process, I 'm told the hierarchy of Ditech, which seems to morph each time so I 'm never really sure how the application is being reviewed. I 'm also told by different reps that my settlement will be accepted because they 've accepted other settlements on accounts owing more with greater deficiencies for loans that have been owned for less time. I called yesterday ( XX/XX/2017 ) to check on the status and was told the settlement was denied again. No reason is provided other than they are n't obligated to accept any amount less than what is owed. This time I 'm told to file an appeal ( why was n't I told about this appeal process before? ). Meet run-around # 3. Again, no guidance, just submit another letter and caption it " appealing denial ''. I faxed the appeal letter yesterday. Clearly, I 'm being strung along and will most likely lose my one and only buyer. Any assistance and guidance you can provide will be appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of IDENTITY THEFT. I have notified the XXXX CA. PD on XXXX XXXX XXXX. XXXX Investigator in Fraud Dept deemed the account as Fraudulent with Identity Theft. I TOLD Equifax in XXXX XXXX -- 8 MOS. AGO THAT THE HARD INQUIRIES FROM XXXX AND COLLECTIONS ACCOUNT WAS FRAUD! I am reporting Equifax to CFPB govt office for not properly verifying ANY FRAUDULENT activity despite my several DISPUTES! Equifax kept saying " the account has been verified ''. If a thief has my SS, name and Date of Birth, of course that fraud is going to be 'verified '. BUT when I told the CB that I DID NOT own or have an account with XXXX, Equifax insisted the account was MINE and LEFT THAT ON MY CR wrongfully! Now I need to buy a car and I CAN NOT because those criminals also used my identity to do several other fraudulent activities, which Equifax may have helped me catch that but instead also left on my reports! I am angry because Equifax DOES NOT VERIFY ANYTHING despite what they say! I now am suffering the consequences and can not buy a car I so desperately need. DO SOMETHING CFPB you are the govt offices that can impose fines for reckless credit bureau reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Tried to log on to seterus.com to make a payment, multiple times. Each time I received an error message that directed me back to the main page. Attempted to make a payment via the telephone service. Made it part way through the service and received a recording stating that they were having technical problems and was disconnected.

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 — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have items listed on credit report and they are not mine. They also list a State of Missouri child support and the information they report is incorrect and false ( example I only owe {$10000.00} and they say XXXX and no payment history which record from state attached shows the report is wrong ). I do have a mortage, I do not retail cards, and other loans they list.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a California resident who is presently studying abroad. I was reviewing a copy of my recent credit report and found an account for total of {$60.00} in collections. I called the collections agency as below : XXXX, XXXX XXXX XXXX, CA-XXXX ( XXXX ) XXXX They are listed as reporting this debt to all three credit bureaus. It appears on my XXXX, Equifax, and XXXX reports. The collections agency said they are unable to mail or fax me any documentation because I am studying abroad now. They also refused to email me documentation because of " privacy concerns. '' I am unaware of what this XXXX dollar charge is, have never been contacted about it, and I am unable to obtain any documentation about it. 

Additionally I am unable to submit a my dispute of the information directly to the credit reporting bureaus. I was getting a security message error when trying to file a correction through the websites. Perhaps because I am abroad? Because I am out of the country presently and unable to find telephone, fax number, or email contacts for submitting concerns to the credit reporting agencies, there seems to be no way to contact the credit bureaus about this concern or obtain documentation about what this is. 

I greatly appreciate your help in resolving this. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax failed to verify disputed items within 30 days. This is the second time this has happened. I certified mailed them over 60 days ago and still no response to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My wife and first attempted to receive our free annual credit report via the Internet with not success. We then submitted the required request form provided by XXXX, by mail. Our request was denied for : Proof of current mailing address. We then provided a new request form with proof of current mailing address and again denied. We after words applied for credit to purchase a vehicle and was denied for credit reasons. The incident occurred with all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The Law Office of Edwin B. Parry
State: UT

Complaint narrative:
I received a letter stating the following ... 
according to our records you failed to appear in court as ordered on XXXX XXXX 2015. As a result of your failure to appear, the court has ordered that a bench warrant may be issued and sent to the sheriff with bail set in the amount of {$250.00}. At this time, I am extending you a 10 days from the date of this letter to contact my office. If I do not hear from you within that time, I will consider having the warrant issued. Please conduct yourself accordingly. Yours truly the Law Offices of Edwin B Perry attorney for XXXX XXXX XXXX XXXX this communication is from a debt collector this is an attempt to collect a debt any information obtained will be used for that purpose. 

I contacted phone number XXXX XXXX XXXX and was transferred to XXXX who stated he was the case manager and his phone number is XXXX XXXX XXXX. 

I offered a payment of {$150.00} and monthly payment of {$40.00} a month. He stated that this was not acceptable and that they would be moving forward with the bench warrant if I do not contact them within the 10 days and make a payment that would be on their terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 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: GA

Complaint narrative:
THIS COMPANY IS ILLEGALLY TRYING TO COLLECT A DEBT I DO NOT OWE. IVE REACHED OUT TO THEM SEVERAL TIMES ABOUT THIS ERROR ON MY CREDIT REPORT AND NOT ONLY ARE THEY REPORTING IT ONCE BUT THEY ARE REPORTING IT TWICE. IVE BEEN REACHING OUT TO THEM FOR OVER A YEAR AND THEY KEEP SAYING ITS FIXED BUT ITS NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
Discover Card has inaccurately reported to XXXX, XXXX, and XXXX Credit agencies that I had a late credit card payment XX/XX/2016. This is not accurate. After speaking with Discover card on multiple occasion they informed me on those multiple occasions that I do not have any late payments. When I contacted Discover they have informed me they have sent multiple off-cycle updates to the Credit Reporting Agencies to update the inaccurate information. This has not occurred as the same late payment is still on my credit reports. 

I have disputed the late payments multiple times and nothing on the reports has changed. Either Discover Card is not responding to the disputes or they are providing the same inaccurate information when they receive the disputes. All said the issue is not resolved and its been 3 months since the initial dispute was filed and Discover was contacted about the issue. 

I do not want to have to resort to legal means to get the issue resolved but will if it is not. This is black and white, I do not have a late payment in XX/XX/XXXX yet they are reporting it late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
I submitted a payment on line yesterday ( XX/XX/XXXX ) for {$2200.00} for my mortgage # XXXX Dovenmuehle Mortgage Inc, it was deducted from my account at XXXX Bank on XX/XX/XXXX ( routing number XXXX, act XXXX, confirmation number XXXX ), and as of today XX/XX/XXXX at XXXX EST, Dovenmuehle has not received it. I made the payment to count for tax year XX/XX/XXXX, and the money appears to have disappeared into thin air. I checked on line at Dovenmuehle, and there is no record of having them received the payment, I called XXXX at XXXX x XXXX, she does not answer, left a message, and have not heard back. I called Dovenmuehle at XXXX and they deny receiving the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: DISCOVER BANK
State: OH

Complaint narrative:
My mother is in a XXXX for years. Put my name on a discover card in the early XXXX. This was incase I had an emergency due to being a single parent. Someone used the discover card. I had no idea that it was still active. Never got any bills etc. A person has been using it ran it up to XXXX of dollars. I have a fraud alert with my bank this is how I found out. Contacted Discover they sent me the old contract from the XXXX and said I should have closed the account. I did realize it was n't and did n't know someone was using it. It killed my credit by XXXX points. Another family member was using the card and I did n't know it. Signing my mothers name. Again she XXXX and has for years she XXXX. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Placement Services, LLC
State: MN

Complaint narrative:
Please review previous Consumer Financial Protection Bureau Case Number # : XXXX. I want Professional Placement Services to close the account, XXXX out the balance, have the account removed from my XXXX credit report, and not sell or transfer the account back to XXXX XXXX Bank or another debt collection agency, which in turn is going to contact and harass me for the same debt I do n't owe. I am a victim of identity theft and the debt is a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Miller, Stark, Klein and Associates
State: AZ

Complaint narrative:
Miller Stark Klein and Associates is claiming I have past due credit card debt with XXXX, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XXXX and XXXX of this year claim that if I do n't resolve this debt, I would be sued for wire fraud. 

I spoke to XXXX from Miller Stark Klein and Associates on XXXX, XXXX of this year. He stated they were trying to contact me about an alleged past due credit card debt with XXXX. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs. 

I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud. 

I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off in 2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
In accordance with my XXXX Statement ( attached ) from Discover Card, my balance showing owed was {$8000.00} due on XXXX XXXX, 2015. This balance included an interest charge of {$140.00} which was calculated from a balance of {$8100.00} as shown on page XXXX of the statement. The previous balance showed as {$8000.00}. So the fact that the interest is based off of an amount greater than even the previous balance tells me that they have calculated the interest through the due date. On XXXX XXXX, 2015 I paid the balance in full of {$8000.00} and closed my account. 
I was quite surprised to receive an XXXX Statement ( attached ) showing a balance owed of {$43.00}, which apparently was an interest charge calculated from a balance of {$2100.00} as shown on page XXXX of the statement. I immediately contacted Discover Card to ask them to remove this charge as my account was paid in full and should show a XXXX balance and I was told that interest on cash advance balances was charged different than interest on purchases and that was the reason for the additional charge. I do n't understand what they are saying and I have no idea where this {$2100.00} amount came from that they based the charge off from. 
I received a written message ( attached ) from a manager, which basically stated that even though I paid the balance in full, there was still interest accruing somewhere, somehow. Apparently a calculation the general consumer can not understand, as it makes NO sense to me. I have paid off many credit cards in the past several years and I have NEVER seen this practice, and feel that Discover Card is taking advantage of the general consumer. 
I would never recommend anyone sign up for a Discover Card!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had an account that was closed over 7 years ago and its still being reported on the credit agencies. 
Please have them remove it thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was told that Discover student loans will be participating in a loan modification but every time I call to have my 11 % interest rate reduced, they ca n't do anything about it. It is unheard of to pay 11 % on a loan that I can barely afford. They only tell me I can defer the loan or go on forbearance in which the amount that I will owe each month will only get higher. No one is helping me out on reducing the interest of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
my balance is {$6500.00} with discover credit card every time i make a payment of {$130.00} a month {$96.00} of it is evaporated in fee 's and apr i feel like i am beind robbed XXXX by them and they refuse any other payment plans with a closed account. it makes no sence to make a payment of {$130.00} a month to see {$96.00} a month of it hit there pocket. i could understand about {$50.00} to {$60.00} i feel my apr is way too high and discover refuse any other payment plans i asked for 10 % apr and i was told they rather have me defult and charge the account off at a 180 day loss then give me any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC
State: MD

Complaint narrative:
I took a loan out with this company for {$400.00} in XX/XX/XXXX. Upon review of my loan documents, I did not realize that this company is charging me an annual percentage rate of XXXX % which is XXXX % per month. I also checked the MD Office of the XXXX of XXXX database to see if this lender is a licensed payday loan lender in the state of Maryland and they did not come up as a licensed lender. Also according to the website, " payday loans '' and other small consumer loans are generally subject to interest rate limitations under Maryland law. For loans under {$6000.00}, the maximum allowable annual rate is XXXX %, though loans under {$2000.00} may have a rate up to XXXX % based on a scale specified in the statute ( statute that governs this is MD Code Annotated Commerical Law 12-306 ). See http : //www.dllr.state.md.us/finance/consumers/comppayday.shtml According to the loan documents ( as attached ), by the time I pay the loan according to their payment plan, I will be paying {$3700.00} which is almost ten times as much as the original loan of {$400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Missing Funds. Funds that were requested to be transferred were lost by the receiving Bank, Discover Bank. 

I initiated an online transfer of funds from XXXX XXXX XXXX ( from the Discover Bank website ) to Discover Bank on XXXX XXXX, 2016. On XXXX XXXX, 2016, the Discover Bank online transfer details indicated that the complete date of this transfer was XXXX XXXX. Also on XXXX XXXX, XXXX XXXX XXXX records indicated that the requested amount was withdrawn by Discover Bank. On the weekend of XXXX XXXX or XXXX, I closed the XXXX XXXX Account believing the Discover Bank statement that they received the XXXX XXXX funds. On XXXX XXXX, Discover Bank Online History indicated a reverse ACH deposit from XXXX XXXX Bank. Also, on XXXX XXXX, XXXX a.m., I received an email from XXXX XXXX Bank stating that XXXX XXXX was unable to complete the transfer request from Discover Bank ( " Your withdrawal was n't processed Dear XXXX We were unable to complete the request from Discover Bank to withdraw money ''. ). 

According to a conference call among XXXX XXXX, Discover Bank and myself on XXXX XXXX, 2016, XXXX XXXX stated that they rejected the returned funds from Discover Bank and resent the funds to Discover Bank. ( Trace number is XXXX sent on XXXX XXXX Eastern Time, XXXX XXXX. ) Discover Bank can not find the funds and hence they have not deposited them in my bank account. 

The funds have not been shown to be in both XXXX XXXX XXXX and Discover Bank since XXXX XXXX, 2016. 

We are imploring this agency to push Discover Bank to retrieve our funds and deposit them since our numerous conference calls beginning on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to Discover Bank and XXXX XXXX Bank have not yielded any meaningful results.

Company response to consumer: Closed with monetary relief