vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I made a rental car reservation online through. I was not going to be able to use the reservation. I called XXXX to request a refund, they said my reservation was nonrefundable, non transferable, and no changes could be made. I called discover, my credit card company to dispute the charge. They called priceline on a XXXX phone call, and the resolution was my reservation would be canceled and they would provided a refund. I did not received a refund and disputed the charges with my credit card company, discover. XXXX canceled my reservation and did not provide a refund, and I was unable to use the reservation even if I wanted because it was canceled. It is my opinion priceline voided the contract/agreement by canceling my reservation and had a duty to refund my money. Discover said they would not refund my money even though I did not receive the services I paid for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-10 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: Weber & Olcese, PLC
State: MI

Complaint narrative:
On XXXX XXXX, XXXX I was served a summons and complaint on a paid debt. The original debt was from a bank account with XXXX that was closed on XXXX/XXXX/XXXX. It was then transferred to Weber & Olcese for collection. On XXXX XXXX, XXXX I XXXX XXXX XXXX called Weber & Olcese to settle the account. I paid the settlement offer of XXXX offered to settle the account. I paid the account through a personal credit card for XXXX. I received a letter stating the account was settled from Weber & Olcese. On XXXX XXXX, XXXX I received a summons of complaint for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA

Complaint narrative:
They call me and tell me when I have no money for a payment to borrow money from friends or churches.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: MORTGAGE LENDERS OF AMERICA
State: SC

Complaint narrative:
Mortgage contract between myself ( buyer ) and seller had a closing date of XXXX XXXX. I got the CD on XXXX XXXX. There is a 3 working day waiting period. We were waiting on approval from lender on mortgage. The loan was cleared for closing today XXXX XXXX by lender. Attorney is stating we have to wait for 3 working day waiting period due to correction to the CD by attorney to lender. Attorney stated we have to wait 3 working days and then 3 working days for closing to occur. This will put us outside the 10 working day grace period for the loan to close based on contract. As the buyer I do n't want to be held liable for the fees and cost incurred by not having the loan ready and seller backing out or extending the closing to new year. Can we close on the loan at anytime going forward? Do I have to wait for the attorney to set closing date? I get the impression that the attorney and realtor agents are stalling the closing to the cut off date. This will allow the seller to default and all cost and fees will be the responsibility of me ( buyer ). What are my rights as the buyer?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover card contuines to contact me via phone calls at home, work and other family members. They also contuine to send harassing and threaten letters to my home address in which I can attach. Discover Card was first contacted on XX/XX/2016 about this account. It is to my understanding that this company is extremely aggressive and are known to take these type of measures against consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have been in a dispute of an alleged credit card account that I am not aware of at all and It has been in a judgment in superior court for 2 times since XXXX ( very unawares ) and XXXX ( did not want to resolve the matter in XXXX from scheduled date and it was made on XXXX ). I have presented questions for the opposing party, DISCOVER BANK, by way of a law firm, in for them to answer and they have refused tremendously in answering the questions. This is why I have not received cooperation in regards to this alleged account and I would like assistance on this matter most urgently. I have had a court date that was designed for XXXX XXXX and there was an apparent court date for XXXX XXXX that was issued but not to wait for the XXXX XXXX date that was awaited by myself in appearing in court for that particular date. Altogether, this alleged account is in scruples and is very tiresome of the opposing party in answering questions that has been involved in gathering the history of this account, with any supposed credit card application, or signature of the alleged account and this is very disturbing for me, be it that I have been under identity theft with my social security #, or address, or phone number ( s ). I need help in resolving this issue, be it that I am in a judgment notice of " Right to have Exemptions designated '' and it is very disturbing of the opposing party in answering questions pertaining to this alleged debt that refused so many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I ask professional credit managment to validte the account and all they sent is medical bill with my insurance and patient id and nothing with my signature. Also believe they violated my hipaa law rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have an account on my Equifax report that has been deleted twice and has now returned for a XXXX time. 
XXXX time : XXXX-removed on XX/XX/XXXX, 2016 XXXX time : XXXX - removed on XX/XX/XXXX, 2016

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: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/16 XXXX payments ( Mortgage {$640.00} & Escrow Shortage {$190.00} ) was made at my local branch. I was told that the computer would not accept the XXXX payments because it has my mortgage payment at {$650.00} therefore the mortgage payment of {$640.00} was transferred into my savings account & the mortgage payment for the month of XXXX was paid by taken the difference that was needed ( {$16.00} XXXX & applying it to the mortgage ; I was also told that the payment for the escrow shortage in the amount of {$190.00} will be credited to my account. 
On XXXX/XXXX/16 I notified customer services via telephone that the payment for my escrow shortage in the amount of {$190.00} was placed in a suspense account instead of applying it to the mortgage. Customer service informed me that the escrow payment in the amount of {$190.00} would be applied to my account within 24 hours. On XXXX/XXXX/16 I observed through online banking only {$180.00} was actually applied to the escrow shortage leaving {$18.00} still in the suspense account & I also noticed that my mortgage is still set at the old amount of {$650.00} ( pre escrow shortage amount ) instead of the new amount of {$640.00} after paying the escrow shortage off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC
State: SC

Complaint narrative:
Today, XXXX XXXX, 2016 my auto loan company Coastal Credit LLC called my sister company stating that she have been calling for weeks and no one is answering the phone which lead to my co -worker calling asking me about what 's going on .Coastal Credit account representative XXXX XXXX also called my landlord stating she was calling about a personal business matter. At the time of purchase I gave them my work number to the specific office to where I was employed and not that of my sister company. I have ask several times for them to just leave a name and a phone number and I will respond. I have also filed an earlier complaint and I am asking for this complaint to be in conjunction with the one filed in an earlier date.

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

Complaint narrative:
Discover credit will not refund money for products not purchased. Billed almost {$5000.00}. The company wo n't answer discover. Got trial product. Returned it said do n't want it cancel. They continued to charge card n set no products. They want to give 45 % credit for something I did n't get n discover wo n't credit my money been 4 months. Call discover said wo n't credit money cause co. Wo n't respond. They have all info n I have complaint numbers from multiple calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
To Whom It May Concern, I 'm writing to inform appropriate authorities about Discover Card fraud tactics. 
During a month long trip to XXXX. Many of my financial accounts had been compromised. I 've been able to successfully refute all fraudulent activity with other financial institutions - with the exception of Discover Card. 
Their process is very unorganized, aggressive and unjust. 
Every time I call into their XXXX - get a different " customer expert ' from a different city that interprets the notes on my account inaccurately. 
On XXXX occasions I 've called in concerning status of my dispute and XXXX It was stated to me " sorry that XXXX has done this to you '' 1. XXXX is my wife and was with me in XXXX. Never have I even gave them the name of XXXX in my original complaint. There is no way she could have done any of this. This is false judgment/deformation of character and slander. 
2. I 've tried on multiple occasion correcting the " random '' customer service agents that answer the phone for Discover but have reached my patience 's end. 
3. Discover should provide consistent and accurate information when customers call in. Period.!! If that means I need to speak with the same agent, someone familiar with my case every time, use a special number, then Discover needs to assign such a person to my case. 
4. Due to the fact that Discover has got too many reps hands into this case - there have been many inconsistent account charges being credited/debited from my account. 
5. I 've not had any of these issues with other financial institutions since my return, only Discover. The company that uses " {$0.00} Fraud Liability '' as XXXX of its lures for customers. 
With the Consumer Financial Protection Bureau and other regulatory agencies now involved my hope is this can be resolved without any further legal escalation. Which might include : character damages, the subpoena of Discover phone recordings and account notes. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
Since filing for mortgage assistance several years ago, my personal credit was wiped out starting with XXXX XXXX XXXX as my mortgage holder. The only credit card I currently have is Discover. I received a letter from them two months ago stating that they would not be renewing my card which expires in XX/XX/XXXX. I was fine with that. I have been paying XXXX the required amount for some time now. I was watching my Fico score ( which they provide for free ) go from XXXX to XXXX. I received an email today stating they were increasing my limit by {$800.00}. By doing so, it DECREASED my Fico back to XXXX. I never asked for this limit increase and why would they do this if their plan is to terminate my account? 
I was not expecting my business to fail in XX/XX/XXXX nor was I expecting my signed XXXX contracts with my customers to fail. I believe this is a fraudulent tactic on the part of Discover ( who is tied to XXXX who also terminated all my other accounts ) to keep me from ever being able to rebuild my credit. I refuse to use their card again and will pay them off as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover is making frequent calls to my work place even after being asked several times by receptionist that they can not call at work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
For some reason, every time I request my FREE annual credit report from EQUIFAX , i ca n't get it [ they always claim that they ca n't verify my identity ]. But I CAN always get it from XXXX, and XXXX without any problem. 
The funny thing though is that if I go directly to the Equifax website, and buy it directly from them, then 'there ' they do verify my identity and give it ( sell it ) to me without any problem. 
I have even logged-in to their website, sign in with my credentials ( to make sure I am clear in their system ). Then I go to the FREE annual credit report site, request my report from them ( equifax ), and still they wo n't give it to me. It happen every year with them. - I CA N'T get it FREE. But if I pay them, I CAN NOT. Please help. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not received a report from information been disputed.

Company response to consumer: Closed
Consumer complaint received 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and XXXX XXXX people I do not know went to XXXX XXXX XXXX on XXXX XXXX to buy a vehicle POC : XXXX XXXX XXXX ). The dealer ship enter the wrong SS # which just happen to be mine. They ran my credit 4 times lowering my score I have contacted Equifax 3 times about this trying to get all XXXX inquires off my record and this is all I get back. ( We have reviewed the inquiry information for XXXX Banks XXXX Florida. The results are : Inquiries are a factual record of file access. We have reviewed the inquiry information for XXXX XXXX .We have reviewed the inquiry information for XXXX XXXX The results are : .We have reviewed the inquiry information for XXXX XXXX Bank Inquiries are a factual record of file access. This has nothing to do with me how do I get these XXXX inquires off my record?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed XXXX inquiries that were not mine. I had never applied for credit, insurance, employment with any of these companies and had no business dealing with any of these companies. Equifax refused to investigate simply stating they are factual records and to contact the companies who pulled my reports without consent. NONE of the XXXX companies would respond to me. Equifax had a duty under Federal law to investigate, yet failed to do so placing the burden on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
EQUIFAX-ABOSLUTELY HORRIBLE I have sent many requests, disputes and they keep adding duplicates of the same company ... 4 times ; REMOVE 1. XXXXduplicate-on my report XXXX times REMOVE 2. XXXX-duplicate on my report XXXX times-REMOVE 3. XXXX duplicate on my report XXXX times-REMOVE 4. XXXX-OK THIS IS THE CORRECT XXXX-leave on 5. XXXX OVER 10 YEARS OLD-REMOVE 6. XXXXOVER 9 YEARS OLD - REMOVE 7, XXXXOVER 15 YEARS OLD - REMOVE 8. XXXX -over 9 years old REMOVE 9. XXXXOver 9 years old REMOVE 10. XXXX-over 9 years old REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account does not belong to me and the address on my Equifax report is incorrect. Credit reporting agencies are required to provide correct information in order for me to validate this debt belongs to me. I have attempted to contact XXXX XXXX XXXX at the address provided and my letter was 'returned to sender '. Please see attached photo of returned letter. Also attached is a screenshot of my credit report with the incorrect address. 

These accounts should be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Security National Automotive Acceptance
State: GA

Complaint narrative:
I 've been having several issues with SNAAC which is the company I 'm financing my vehicle through. On XXXX XXXX my vehicle got ceased because I was behind on a payment due to a tornado ripping through XXXX Georgia so I had to pay for repairs on my vehicle. Before I knew my vehicle was getting repo 'd I did schedule XXXX payments off {$400.00} and my recurring payment of {$330.00}. Later on that evening they took my vehicle and I contacted SNAAC to see what all I 'd have to do in order to get it back. They were like, you 'll get an email. Did n't receive any thing until a couple of days later. Payments were made and my account was back in good standing but still had difficulties on their customer service support side. They were all rude and unprofessional. I 'm in the XXXX and the last thing I need is to be without a vehicle. On the XXXX of XXXX I received my vehicle back paying a total of {$430.00} in towing fees and storage I guess. Today, XXXX XXXX, I get an official letter from SNAAC which is a " NOTICE OF OUR PLAN TO SELL PROPERTY '' letter with my vehicle id number and information. There 's a box checked off which states " WE WILL SELL THE VEHICLE AT A PRIVATE SALE SOMETIME AFTER 10 DAYS FROM XXXX/XXXX/2016. ASALE COULD INCLUDE A LEASE OR LICENSE. '' Not understanding why this is happening to me.

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 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have XXXX accounts with XXXX different companies I have disputed 3 times with Equifax. They are refusing to remove them.. XXXX XXXX and XXXX researched and have removed items after one dispute. I have called Equifax and spoke with a manager about my concern that they are not researching my dispute. He advised he could not do anything. Please help me! 

Dispute # 's XXXX & XXXX {$260.00} ... The billing department at XXXX office has no record of this charge. Billing manager advised she called collections company and they have no record of me. 

{$240.00}, {$240.00} and {$50.00} were all paid on the same day. 

{$80.00} charge was paid in the office {$77.00} charge was paid XXXX 2015, XXXX, manager at XXXX XXXX has called manager of collections company to remove me from their file. This was paid and should have never been transfered to a collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is hard inquiry on XXXX/XXXX/2016 labeled XXXX XXXX that again I believe was a ID theft potential. I have a XXXX contract for 2 years so there is no reason for me to have every tried to us XXXX. I did talk to XXXX and they agreed it was not me. 

Please have it removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have tried for months to get Equifax to remove inaccurate and/or unauthorized hard inquiries off of my credit file. The XXXX inquiries are not mine and I want them removed immediately because they are negatively affecting my credit rating tremendously. I have an Identity theft case with FTC since last year. Please help me!

Company response to consumer: Closed with explanation