vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
My loan has been delinquent for years I explained to the mortgage company my hardship which was my home was severely damaged during the XXXX storm and was not able to reside in my home and for two years no one lived there while I finished all repairs and started the renovation process since then I finished quit a few packets for loan modification and have provided every paperwork that they requested. I have proven to afford my home and have passed state and county home inspections to occupy my home, I would like assistance in my loan because I can afford my home and I want to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PHH Mortgage Services Corporation
State: NV

Complaint narrative:
My refinance request with PHH ( my existing mortgage provider ) began in XX/XX/XXXX and is currently denied. The denial is being excused and rationalized by PHH under the false pretense that my property somehow in XX/XX/XXXX has a " marketability '' deficiency and is " unique to the location, '' in a way that did n't exist in XX/XX/XXXX when the existing mortgage began. Please see the XXXX page complaint for additional context.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
They cal upwards of 15 times a day.

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 2015-11-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GSI  Recovery, LLC
State: NJ

Complaint narrative:
This account was paid and supposed to be deleted from the credit reporting agencies and has not been updated as of yet. It is very important that this be updated as soon as possible as I am in the process of buying a home and this is affecting my rate. I have correspondence from GSI stating that this will be deleted from XXXX. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
I paid my co-pay and XXXX XXXX paid their part of the bill. These are extra charges never billed to me but ended up on my credit report. The Collection Agency had removed these charges but put them back on my credit report after I paid XXXX XXXX XXXX Hospital bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
I advised this company that I was never notified you the original creditor of Owing this money. The account is due to be removed from my report in early 2016, but I paid the amount in full to clear it. Columbia recovery still reports to XXXX that I have NOT paid the collection. They ignored my communication to them that I was illegally never notified of owing the debt prior to being sent to collection. They continue to report as unpaid to transunion cespite being paid in full. The account is under XXXX ( XXXX ) XXXX. Please see the attached for correct address of this company

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: USCB Corporation
State: OH

Complaint narrative:
I did not take out a loan for school. I had automatic payments taken out for the high school program. When we fell on hard times and job was lost. I let them know we could n't do it anymore. As soon as the payments stopped. I stopped my schooling. They say I owe this money yet I KNOW I do not

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 2015-11-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MEDCAH, Inc.
State: HI

Complaint narrative:
Original Creditor XXXX XXXX - So they claim. 
Paid XXXX XXXX in XXXX 2009, before moving to XXXX, so how could I possibly owe them {$320.00}? 
Told XXXX XXXX to discontinue service, paid bill, and never heard anything more from them, even though left forwarding address with Post Office. If there were any additional costs incurred, certainly nowhere near {$320.00}. 
Never received anything from MEDCAH at all. 
Now they claim they want almost {$600.00}, including interest. This is nothing more than blackmail and extortion. 
These people probably bought this old utility bill from someone for pennies on the dollar, and now think they can ruin my credit, and demand {$600.00} for it. How can they be allowed to get away with this? This is a complete travesty of justice.

Company response to consumer: Closed
Consumer complaint received 2016-02-13 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
So I have a Discover credit card. On their online banking service, they have the option to request a Credit Limit Increase. Whenever I got to that page, it asks for income, employer, and monthly housing payment. Below that is the following message : '' After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent. Below that message, it says Submit '' or Cancel ''. Now, maybe I am naive, but I took the message In these cases, we will proceed with the application only with your consent '' to mean that in cases where they need to pull a credit report, they will specifically ask me if I want to proceed. I think that is a reasonable interpretation of the verbiage. Anyhow, I proceeded with this under the impression that if Discover wants to pull a new CBR -- -- and thus cause a hard inquiry ) they will ask me for my consent. Well, when I hit the submit button, Discover immediately responded with Congrats, you 're approved ''. There was no screen after hitting submit that asked for consent to pull a Credit Bureau. I thought ok, that was easy, no problem. '' Later that day, I received an alert from my credit monitoring service that there was a hard inquiry from Discover on that very day on my -- -- CBR. I did n't put in any other requests or applications. When I approached Discover about it, they either did n't understand me, did n't understand their own system, or simply refused to acknowledge the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: DISCOVER BANK
State: NV

Complaint narrative:
There are multiple violations of the FACT, FDCPA, and NFDCS. Has not validated despite multiple requests other than stating that Defendant owes the debt. Refuses to provide any information on account or any type of indication that Defendant opened the account or show any evidence that the account is his. Did not notify Defendant of their right to dispute lawsuit. Did not give a " 30 day '' notice to dispute. Harassment and abuse of constant phone call and mailings despite request for validation and dispute of debt. Threatening that not settling the debt can result in " tax consequences '' and threatening to take money they are not entitled to take. Misleading and false representations ; legal documents are sent in plain envelopes or boxes written in sharpie marker. Legal docs have no dates, no dept # and are not stamped " FILED '' or have clerk names or any identifying stamp on them from the court. This makes docs look " less important '' and " fake ''. Also sending collection notices on legal type paper that resembles a legal document. Envelopes also do not indicate the law firm or from a lawyer. This is an attempt to deceive the Defendant into thinking they are not legal documents and thus, not respond to win a quick judgment. Initial court summons was not served properly. It was left with a child of XXXX years of age at the residence. When the door was answered, the server threw the papers in the door onto the floor and walked off without saying anything. Further demands and threatening behavior. 
This law office is known for these tactics and has multiple offense and rulings against them. They are a collection agency, but pretend they are not. 
Please see case # XXXX in ( Nevada ) XXXX Justice Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: TX

Complaint narrative:
During the loan period on a vehicle I purchased from XXXX of XXXX XXXX, XXXX ; I was making scheduled payments on time with auto-pay through a debit card recommended by Social Security Administration. At one point in the payment period of the loan the finance company ( Universal Acceptance Corporation of XXXX XXXX ) attempted to withdraw two payments for the same month without success. They called about every other day demanding I pay the extra payment. When I refused to do that they repossessed the vehicle and charged me X amount of dollars in penalties and unpaid loan amount after the vehicle was sold by them and when that was not paid, reported the account to the credit bureaus with erroneous/incorrect payment history information which had an even more negative influence on my credit rating.

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 2015-05-29 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: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Legally I do not owe. I was not evicted. I have never been evicted. I do not have to pay fees for something that did not happen. Said the Judge. I have court documents stating that I do not owe this. I have a receipt that I paid what was ordered ; paid in full. This is a point of harassment and intimidation. I sent a notice in 2014 to cense and desist. I am XXXX and have been living on a fixed income budget. I would like assisted to resolve. The claim is on my credit reports and is causing damage to my credit profile and good name. I would like to resolve this matter without going to small claims court for damages, but this is also credit issue and fraud. dmp

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XXXX XXXX, 2012 UMB Bank ( XXXX XXXX ) a national bank did, without permission, disclose over XXXX pages of personal financial information concerning our family trusts. In violation of the Missouri rules of civil procedure, XXXX failed to notify the conservator or beneficiaries of the disclosure. After the disclosure a bank representative called our lawyer to inform him of their action. Our lawyer then informed us.

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 2016-04-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover gives one the option of a balance transfer. However, they fail to make available in writing the current balance owed on the balance transfer as well as the date the promotional APR expires on that balance. I called Discover XXXX XXXX and asked to be provided with this information in writing, either via US mail or via an email. I was told this was not possible ; they provided the information verbally, but I wished to have it in writing so I had solid evidence in case their phone agent told me incorrect information. ( This information is also not available throuogh my Discover account : I can see the total I owe, but it is not broken down so I see a clear balance owed that is associated with each date that the promotional APR expires, and this detail information is what people need to be sure they pay their balance off before the promotional APR expires. After 20 minutes of being on the phone, sitting on hold while being transferred to a supervisor, and talking to that supervisor, I asked whether they could provide this information via their " secure mail '' option that is attached to one 's Discover account. Amazingly, it did n't occur to Discover employees to suggest this option. I was then transferred to yet another person and after another 10 minutes on the phone including several minutes on hold ( during which I sent a secure message asking for this information ), I was told that he could not respond to that inquiry ( or indeed, access the information about my balance transfer. He did assure me I would receive a response within about 24 hours. It is now 4 days later, and I still do not have a response to my inquiry. I just resent the inquiry. 

Discover is failing to provide consumers with balance information that is necessary to pay one 's balance in a timely manner. In the case of balance transfers with promotional APRs, Discover needs to clearly state the current balance and the day the promotional APR expires. They are not doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is a follow up to Case # XXXX. I was originally told to wait 30 days for the CRAs to remove the inquiry. It has now been almost 8 months since I was told this would be removed and it has been over a month since this case # was supposedly resolved and yet the inquiry continues to show up as a hard inquiry on both XXXX and XXXX. This MUST be removed immediately! I will not wait another 30 days! Why does it take so long to be removed? It certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will affect my interest rates. I want this removed immediately or legal action will follow shortly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: DISCOVER BANK
State: TX

Complaint narrative:
Hello, In XX/XX/XXXX someone applied, opened, or attempted to open a loan with your company. As a result your company placed a credit inquiry on my reports even though I was not the person who applied, opened, or attempted to open service. 
As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XX/XX/XXXX. As a result my credit report as alerts on them until XX/XX/XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
I have been with Dovenmuehle mortgage since XX/XX/XXXX and have been disgusted with the dirty tactics this company uses and how they do business. For the past XXXX years I have been experiencing difficulties keeping up with my mortgage payments and have recently went through a loan modification that did NOT help me. The interest rate and payment went up and I 'm now being threatened with foreclosure. I am XXXX payment behind and I have made a payment but Dovenmuehle is literally holding the check because they want all XXXX payments at the same time. Last summer I had a XXXX and hit my house causing over {$12000.00} worth of damage. Once the insurance company cut the check for the damage and Dovenmuehle received it they held the funds telling me they would n't disperse the funds because I was scheduled to go into foreclosure. This forced me to cover contractor and material expenses OUT OF POCKET. The insurance money for the damage had nothing to do with my mortgage delinquency! The contractor finished the repairs in XX/XX/XXXX and it took Dovenmeuhle through XXXX to make the last dispersement. This mortgage company has no problem lying or being dishonest as long as they are getting what they want. I was led to believe the loan modification would help me with making my mortgage more affordable because I had a loss of income, instead the loan is even more expensive than before the modification. I expressed to them that the modification hurt me more than helped and their reply is they are sorry BUT they want the XXXX payments ASAP. I do not have the funds to make all XXXX payment XXXX and they are still holding the payment I mailed out XXXX weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: DISCOVER BANK
State: FL

Complaint narrative:
they garnish wages without letting me know send to old address and my employment knew my address is my ex address I cant believe what they did I have XXXX XXXX taking XXXX % of my pay my XXXX is XXXX because i have to work over time I called them and they still taking it out it was open back in the year 2000 i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK
State: IL

Complaint narrative:
DISCOVER CARD HIRED XXXX SKIP TRACING COMPANIES, AND COLLECTION AGENCIES TO COLLECT A DEBT FROM ME ON BEHALF OF MY ESTRANGED BROTHER. CALLS, LETTERS AND VALIDATION IN VIOLATION OF TCPA, FDCPA FTC ... HAVE VIOCE AND WELL DOCUMENTED EVIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover Bank holds my deposits and transfer-in for unreasonable periods, making it impossible to access funds and earn proper interest. When I deposited my check via the mobile application, I received an email saying my fund will be available 1 business day after deposit day if the deposit occurs on a business day. I deposited {$300.00} on XXXX XXXX, 2016 and they released {$200.00} on XXXX XXXX, 2016 and hold {$100.00} till XXXX XXXX, 2016 while all the fund has been deducted from the withdrawal account on XXXX XXXX. For transfers from external account, they hold the funds for 2-3 days before making it available for use even though my external account has been deducted. I believe this is a malpractice as they hold my money for extended period and I lose interest on these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
Using my XXXX XXXX XXXX account, I made a payment to Discover on XXXX/XXXX/16 in the amount of {$300.00}. the money left my XXXX balance immediatly. I saw it credited to my Discover account on XXXX/XXXX/16. then, it reversed a day or XXXX later. I contact discover ... they said that XXXX reported insufficient funds. XXXX serve said they did not report insufficient funds. I continued to contact Discover ... .they said they have to try 3 times and then they will send the money back to my account. they were rude and not helpful. 
Today I looked at my discover account to see if the third try worked. they charged me a {$37.00} NSF fee a nd {$55.00} interest fee.I am someone trying to pay off my debt rapidly and do the right thing. I am disgusted by both of these institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
I would like CFPB to continue pursuing the case ( Case number XXXX ) on my behalf with Discover. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover bank has a promotion where they double all cashback that you have earned at the end of 1 year. I enrolled in the promotion and even chatted with their CS team in order to confirm my enrollment. The chat agent informed me ( direct quote ) '' after reviewing your account I see that the enrollment was not completed as successful. I have already scheduled your account for the adjustemnt to have your cashback manually doubled. I will complete this at the end of your 12th billing cycle, then you will see it credited within two billing cycles after I complete the adjustement '' At that time and after not seeing my cashback post to my account, I contacted them and Discover bank flat out denies that I ever enrolled and they will not give me the cashback that I earned during the past 12 billing cycles. Banks should be required to keep to their word, and Discover should be required to pay me my rightfully earned cashaback award. According to my calculations they owe me over {$3000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
My credit card Discover card, has allowed a fraudulent charge to post and remain on my credit card account. The amount is {$1.00}, XXXX XXXX XXXX I have supplied Discover card with documents and proof numerous times and they still left this charge on my account. I want this fraud charge removed off my account.

Company response to consumer: Closed with explanation