vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler & Pressler has taken almost {$3000.00} from my account. They send all the letters to my old addresses which I can not respond too and then they have the right to seize all my funds. They have taken 4 times money out of my account. They have my correct address but still send all letters to my old addresses.. They even took all my child support money and the last withdrawal they took from my account was a week before XXXX! They took {$600.00} which left me broke XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have XXXX accounts on my credit report XXXX mixed file and XXXX fraud account XXXX bankruptcy mixed file XXXX XXXX XXXX marking fraud account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent in XXXX police report and the federal trade commissionand Equifax erfuse to removethe refuse to remove XXXXinquiries keep on getting d different answers.sent in what asked for and unable to get my credit report have to call in everytime. XXXX sent up not fixed. there response is to cancel need to monitor my creditreport due to identity thief. charge me XXXX and what to cancel instead of deleting old reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
My credit report is showing an amount of {$58.00} due to XXXX. It was reported on XXXX. I have spoken at length with XXXX, they have no records of any past due balance on my account. I have also contacted XXXX collection agencies associated with the account ( XXXX XXXX XXXX : XXXX and XXXX, and they, too, have no record at all of this amount due. The abbreviations/source listed afterwards are XXXX/XXXX/EF - I 'm not sure what that means but perhaps that will help. I 'm willing to pay the amount due if it can be confirmed I owe it, and I 'd like to have it removed from my credit report regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
well I have a big issue with the information in my credit report. when any agency run my credit, always appear an address in Texas that I never been and a social security number that is not belong to me. also says that I work for I design compsany and I am the owner. 
I send letters already to the credit agencys and copys of my identity and XXXX do not have record of my credit and information, transunion send me a copy of my credit history and it shows a social security numnber pthat is not mine, and equifax it shows an address in Texas that I never been and a tottaly diference a social security number than XXXX. 
in fact, XXXX in my report shows the only last XXXX number of the social, but equifax report shows the complete SSN. I do not have a Social security number XXXX only have a Tax ID Number. the credit agency says that I dont exist in their system because I have a Tax ID Number, so how the can report private information from sombody else in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I saw the name " XXXX XXXX XXXX '' on my credit report & I have no idea how that info ended up on my report. Therefore I am unaware what percentage of my score is responsible for that name. I need that disputed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is not releasing my report and score due to a fraud issue. I have called to verbally verify my identity and they stated it should be released which it is still not. This has been an ongoing issue for a while. I was told to go the the EF site and pull the report and I am still unable too. They refused to even mail me a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
there is a collection on my equifax credit report, # XXXX it was only a checking account and equifax has it listed as a credit card or loan??? how can that be on a checking act only??? Secondly I have paid the XXXX $ and was told to file a dispute. I just got the paper work from the bank. How do I get a hold of equifax?? I would prefer to do by phone??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
this item is from XX/XX/XXXX when opened had XXXX insurance on it I am permant XXXX since XX/XX/XXXX now the XXXX or more different companies changing open date to XX/XX/XXXX or newer that is false it was opened in XX/XX/XXXX they are changing dates I have tried every time old companies called me I told XXXX insurance then never here from then again then new company and so on and so on this needs to be taken off it has been 8 + years not the 1 or two they are trying

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: MI

Complaint narrative:
Contacted Americollect on XX/XX/2015 via certified mail requesting the information on the alleged debt. Americollect responded back on XX/XX/2015 with the information has requested. 

We have continually been making payments on this medical debt for the past year, as the amount of the original debt was too much for us to pay all at one time. Americollect has reported this medical debt on both my wife 's and my credit report and I have asked them to remove it, as payments are continually being made, and they refused. In addition, they have multiple negative reports on each of our credit reports for the same single debt. I 've asked them to consolidate this to one report on only one of our credit reports for the corrected amount and they 've refused to do that also. We are making payments on this medical debt and anticipate having it paid off prior to the end of this year, but Americollect needs to report only one amount on one individuals credit report, not multiple amounts across each of our credit reports. 

We just want this multitude of unnecessary information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discover Bank changed the interest rate on my IRA CD from without informing me of a change. I noticed this online when checking my account. Account XXXX. This account was added as a replacement account XXXX due to prior mistake made by Discover Bank. I called the bank to complain on Friday,XX/XX/2015, and spoke to XXXX. I informed her of prior documentation and case information but she was unable to make the correction and advised me that she would follow up with me but I have not received any other communication from Discover Bank. This is unacceptable. 

XXXX from Discover Bank called be back today, XXXX/XXXX/2015, to tell me they do not know what caused the problem. The only way they know how to correct the problem is to open a new CD account and transfer the assets into the new account. XXXX said she could not promise that the same problem would happen again. I told her this was unacceptable, since I was the one who noticed the mistake in the first place, and Discover Bank service is inferior. I requested that she escalate to her management my request for immediately liquidating all of my IRA CD accounts, WITHOUT INTEREST PENALTIES, and let me transfer then into another institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I canceled my Discover Credit Card in XX/XX/XXXX of this year, due to numerous unauthorized charges ( mostly by XXXX 's ) and XXXX disputes that were found " in favor of the vendor '' in excess of hundreds of dollars, although documentation was not properly collected nor investigated properly. I have now received a statement from Discover with a charge dates XXXX ( 2 months after I canceled my card ) for a XXXX warranty in which during a call on XX/XX/XXXX, Discover informs me " we have documentation that supports the vendors ( XXXX ) charge. '' I however, have been directly communicating with the XXXX Offices of XXXX, and they have assured me that my warranty in the amount of {$85.00} was not charged. When I called to complain about this fraudulent charge to Discover, they REFUSED to give me anyone 's name, and would only give me a " p.o.box address to lodge a complaint. '' They also threatened ( bullied XXXX me that " if you do n't pay, you will be charged late fees. '' As an independent XXXX, I have spent a PLETHORA of hours upon hours from XX/XX/2016 to Present, fighting with Discover, which has equaled additional financial loss. Please tell me how a credit company in which I separated services with over 2 months ago is holding me in financially responsible and XXXX for unauthorized and fraudulent charges to a credit card THAT NO LONGER EXISTS?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK
State: CA

Complaint narrative:
To Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers ( XXXX and Discover ) and XXXX consolidated batch from the US Dept of Education. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXXXXXXDiscover : $ XXXXXXXXUS Dept of Education XXXX : $ XXXXXXXXTotal : {$1300.00} ( monthly ) Total Loan DebtXXXX Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXXXXXXDiscover : $ XXXX : $ XXXXXXXXTOTAL LOAN DEBT : $ XXXXXXXXI earn approximately {$XXXX} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a XXXX, so I hope to take advantage of the Public Service Loan Forgiveness Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
Discover Card advertised and has been running a promotion whereby the account holder will receive 10 % bonus points/miles for purchased up to {$10000.00} total made using XXXX. After the promotion began Discover changed the terms to dis-allow gift card purchases to count towards the promotion. They have arbitrarily declined me the bonus multiple times stating they believe I had purchased gift cards. They stated that if I did not purchase gift cards I should email them scans of my receipts. This shows that they are erroneously and without merit denying claims to the bonus with out any actual information or proof. They are also asking me for receipts, which I do not have because I did not keep them due to the fact that the terms of the promo do not mention the need to keep receipts. Discover is being very deceptive luring me and others in to a promotion and the using bait and switch tactics to not have to pay out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmule is servicing my home loan. Delinquent escrow account. 
they have failed to pay my impounded taxes by the due date of XXXX XXXX 2016. I received a delinquent tax bill with a late fee. 

what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
I transferred a small balance from an interest charging credit card to Discover card so that I could take advantage of an interest-free offer for a specified period of time which I believe was one year. Apparently that time period has expired inasmuch as they have, without ANY prior notice, charged me interest on the balance effective this month ( XX/XX/XXXX ). I have done this with other cards in the past and I have always received notice that the 0 % interest rate is about to expire. I have double-checked the prior 2 moth 's statements just to be sure I did n't miss something! I can not find anywhere on those XXXX statements where I was in anyway notified that my 0 % interest rate was about to expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect
State: FL

Complaint narrative:
I was injured at work in XX/XX/XXXX and XXXX took over. I had surgery done on XX/XX/XXXX, and all my medical bills were to be paid by XXXX. They are charging me rather than the Insurance company. I have sent XXXX all the debts outstanding and they promised to pay but they are still delinquent on my credit reports.

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 non-monetary relief
Consumer complaint received 2016-10-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc
State: FL

Complaint narrative:
Account paid in full, debt collector does not want to confirm XXXX balance with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
They added insurance without my permission and will not take it off the account. I sent them a fax that the auto was not insurable and they have not responded for two years. They now say the loan is delinquient.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I have a dispute with a local towing company. Towing company charged higher amount than they promised and also higher than they are allowed to as per law. Also as per their service agreement they have to take care of all my stuff but they did not bring my front license plate. So I opened a dispute with BECU under their visa dispute program but to my surprise I found that they have contracted it out to third party company and this dispute department did not investigate my dispute properly and their decision was " '' towing services were completed we do not have dispute rights against the merchant '' '' we are not disputing whether towing services are provided or not we are disputing the amount they charged and their service. ( i.e. they lost my license plate ). Also I had to call police because towing company was harassing me at my home. Also I feel betrayed that BECU convinced us that we are protected and they will take care of us in such event but actually they contract it out to third party company who really does not care.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover bank has closed one of my credit card without providing any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CJA Auto Sales, Inc.
State: AZ

Complaint narrative:
CJA Auto Sales INC, came to my residence when I was not home. 
A respesentaive placed court document on my door without getting a signature from me. Now I have 20 days to answer this complaint. I have went to credit companies for help CJA stated that I have the vehicle in my possession. The vehicle was repossessed after missing one payment. The agency is suing me for a remaining balance owed after the repossessed vehicle was sold in an auction. I also feel the vehicle was not of that value. I feel this is an harrassment to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Ok so when I seen discover on my report I called into discovers customer support, which then transferred me to a different department and I spoke to a very nice women named XXXX, but she could n't offer any help. She referred me to a different collection company named XXXX '' who were very rude and knew nothing. I then sent a email to XXXX XXXX XXXX, I received a packet in the mail with some transaction history. Honestly I remember having A XXXX dollar limit and I remember paying it. In the packet I noticed the transaction history I noticed a XXXX limit and other transactions. Back in 2013 I was n't in my right mind, my XXXX. Now that I am stable, I 've noticed the account on my report and I cant remember. There are also other accounts on my credit that were opened online around the same time and I had to contact those institutes as-well and they are helping and giving me an understanding. There was a women a live in room mate that I used to have dealings with back then who just completely disappeared, and was n't here after my treatment I 've tried searching for her, theirs no information on her name XXXX when searching for her, but I have a strong feeling it was her and everything was a lie every hand I was dealt just blows up in my face and destroyed my life, for instance I simply have no need for a XXXX XXXX account that was opened under my name because I am a male. I am not saying I did n't have a discover account. I XXXX and on social security from XXXX I take and I have a hard time with phone calls XXXX. Im not the way I was before treatment. I 've called customer support because I remember being a customer and how sweet and nice everyone at discover is not like that with me anymore. I was never aware of owing money and I want to know why discover was not there to offer me help or work out some plan back then. Discover you are giving me XXXX. XXXX time I called " XXXX '' told me to contact XXXX '' number XXXX a rude company that had no knowledge of me. Then called discover again and was referred to call XXXX number XXXX this company does n't exist. Then in the packet XXXX XXXX XXXX sent me it says call XXXX number XXXX. My credit is messed up because I was not responsible with my personal information when we had live in roommates and I would just leave credit cards and SSN card anywhere and I do take full responsibility for that, BUT discover is just passing my information to company to company and me having to call places passing my social security number to fake company 's or god knows who, but i really liked discover and they never offered to help me, I never knew what was going on I thought it was paid. I use to get calls for card protection everyday which I remember getting and I always thought it was covered. I just wish they would remove the charge off because i do n't feel i owe then a whopping XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: DISCOVER BANK
State: AL

Complaint narrative:
Discover Personal Loans have called me multiple times before XXXX and after XXXX. They are calling me from XXXX and have been calling for over a month. I have been called at my home and work on multiple occasions to the point that it is extremely frequent and repeated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
I paid for a hotel stay in XXXX 2016 with my Discover card, and subsequently disputed the charges based on the mold and other health issues in the room, lack of promised services, and property theft by hotel staff. Discover processed the dispute, placed it in my favor by completing a chargeback, and then reversed it today claiming their charges were correct. I have disputed this several times with the company and with Discover, and Discover refuses to handle the issue professionally and appropriately.

Company response to consumer: Closed