vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DC

Complaint narrative:
The original price of the mortgage was to be {$340000.00}. When we got to closing the price had been increased wothout prior warning or explanation by {$60000.00}, which was the exact amount the lender allowed for repairs and other improvements to be made to the property, however, so how the mortgager increased the price by that amount. 
Due to the drastic nature of price and/or fees change ( increase ) presented at the closing, there is reason to believe that there were violations of both the Truth in Lending Act and RESPA. The price of the residential mortgage was increased by {$60000.00} at the closing, without warning, nor prior discussion, thus increasing the price to {$400000.00} for an older XXXX bedroom home, very predatory pricing for the particular area. It is hoped that the reasoning for this can be uncovered and rectified during the course of this investigation, and any resulting negotiations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have attempted to contact Discover for over 3 months about an issue their website and the calculations of the current balance. Multiple times I have went to my activity and it computes my current balance with the following formula. Last Statement Balance - Payments and Credits + Transactions = Current Balance. However, many of the times when I review this information the math does not add up. Everyone of these times it has show that my current balance is more that it really can when you do the math. It makes it seem that Discover is simply taking this additional money and hoping that I do n't catch it. I have informed Discover of this multiple time over the course of 3 months. Every time I was told they were working on this issue but do not have an exact date as to when this problem with be fixed. Well, I have given them over 3 MONTHS to fix this issue and it still is not fixed. I feel that the company is not telling me the truth and actually are not working on the issue. This seems like a very unethical practice for a financial institution. How can a large company not resolve a simple IT issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am unable to access my equifax credit report. I have been denied credit because of the inability to pull the credit report. I am applying for a mortgage and can not gain access to my report. I have called numerous times to no avail. I filed a complaint here an it was fixed for approximately a week, then again reverted to not being accessible. I have purchased there product to protect my credit. They continue to charge my account {$19.00} even though I am unable to access my reports. This needs to be rectified, so I can access my report for a home purchase. I was not even able to access their reply to my first complaint. I need a call from the executive office to explain why this continues to occur. It is an error on their part with their software. I plan to hire an attorney if this is not corrected permanently. I am aware of multiple other people with the same problem and believe a class action law suit would be in order. This must be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have disputed the account XXXX XXXX with Equifax several times, and have even contacted the company since XX/XX/2016. The company/creditor listed on my credit file ( XXXX XXXX ) was contacted via certified USPS return receipt each time, I requested them to send me verifiable proof that this account is mine. I have never received any information from XXXX XXXX verifying that this account is mine, through verifiable proof or a contractual agreement that I had with them showing that I agreed to pay this amount. I have allowed well over the amount of time requested for XXXX XXXX to supply the information / proof to me. It 's been over 120 days, since I started the dispute. I have also notified Equifax that this was a fraudulent account and Equifax has done nothing to correct, rectify or investigate the matter. I have contacted Equifax on several occasions, once again via certified XXXX return receipt as proof, which their representative signed for each letter that I have sent them since XX/XX/2016. I called the Equifax four days ago and a representative told me that XXXX XXXX had been removed off of my credit file, however, I received two emails today, and therefore, called Equifax and the representative that I spoke to this morning stated that XXXX XXXX was still on my credit file report as an account reporting as closed account with a balance due. I asked her why, because the previous representative told me that the account was not showing on my credit file, however, the representative that I spoke to today, was very short and rude to me also. Previously, I had to request a manager. However, I have sent them all documents showing that my homes had been broken into, and Equifax has refused to take this account ( XXXX XXXX ) along with the inquires that were listed off of my account. I am asking for the assistance of the Bureau of Consumer Financial Protection to enforce the rights of the consumers by demanding that Equifax remove all inquires and XXXX XXXX from my credit file immediately! I have also attached police reports where my XXXX homes were broken into, and my identity was stolen, while I was away from my house over 6 months due to work related assignments. I have also attached a police report where my vehicle was broken into, as well. I have sent Equifax these same police reports, but they refused to upload the police reports, where my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Consumers Inc
State: MD

Complaint narrative:
This company, United Consumers , Inc. ( UCI ) @ XXXX XXXX XXXX XXXX, VA XXXX, Phone # XXXX, repeatedly robo/auto calls our home phone number trying to collect a debt on a XXXX XXXX. Recently, they have added XXXX XXXX (? ) XXXX to their calls. On XXXX/XXXX/15 I called the company and asked them to stop calling because there is no one in my family with any of these names. XXXX XXXX XXXX, from the company acknowledged my request and said they would remove our name from the call list. Yet, on XXXX/XXXX/15, we received another robo/auto call from UCI regarding XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I w alerted that I was a victim of identity theft when my credit card limitwas decreased from {$30000.00} to {$2500.00}. The delinquent account is withDiscover. It has been three weeks and I have not gotten cooperationwith them to remove this account from my credit report. I still, after threeweeks have not received an affidavit to complete, they are still using thefraudulent information when I call to confirm my identity to check for pro-gress on the investigation and will not release any information to me. Iwas told by one person that the affidavit was mailed to the address thatwas used to open the account, which is in another state, and not to me. II feel that I am getting no respect, no cooperation, and no help with thismatter, when they are at fault for opening the account with inaccurateinformation. They told me that there is no documentation of when I have callecalled to make inquiries. DISCOVER is not taking any responsibility/accountability forthis. I feel as though I am being treated as the guilty party when I aminnocent and trying to clear my credit report, which has been stellar untilthis incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: MT

Complaint narrative:
Discover card will not mail me a year end statement. I also need last years statements for taxes. They said I could sign in and print it. I can not sign in. I called them 3 times. They will not mail it like other cards. I cancelled my cards. They XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
My grandfather 's XXXX insured reverse mortgage seems to be apart of predatory lending and fraudulent mortgage practices. 

After reviewing documents sent from what I thought was a mortgage servicer XXXX, I discovered that the HUD insured reverse mortgage my grandfather took out had multiple loan numbers attached to it and reverse mortgage foreclosure documents that do not match the terms from the recorded deed of trust. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are listed on these documents. Mortgage documents appear to have been merged together and recorded documents are not signed under penalty of perjury ; and are inaccurate ; incomplete ; and unverified. The recording of a Notice of Default and Notice of Trustee 's Sale, in a XXXX initiation of foreclosure took place under this reverse mortgage while : I was under a HUD foreclosure preventative alternative until XXXX XXXX and discovered that this entity was in a forfeited status and was not allowed to do business in the State of California. It was a trustee 's sale foreclosure of a lien not the Property and a foreclosure with no lender. 

In addition, in XXXX, I received documents at my home that I shared with my grandfather that reference a fake living trust and a fake Estate, which were used on documents pertaining to several fraudulent sales, transfers, transactions, and conveyances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
This complaint is with my Discover card account. I had n't used my card in over a year. In XXXX and XXXX, 2016, i had 2 automatic payment deductions from my bank account, as i had auto pay set up. Since i had not used my card, I contacted Discover card and found a fraudulent charge in XXXX 2016 from Intertrade corp for {$100.00}. They closed my account, issued me new cards and stated i am not responsible for the fraudulent charge and subsequent payments. They provided a credit on my new acct. of $ XXXX+ for the XXXX charges against my bank acct. I used the card to bring the balance to almost XXXX. Then Discover keeps putting the {$70.00} charge back on my card. Each time, ( 6 times contacting them about the same issue ) they reverse the charge stating they have no idea why it keeps getting put back on, as the entire transaction was fraudulent to start with.I last spoke with Discover on XXXX/XXXX/2016 about this, on XXXX/XXXX/2016 my balance was again brought to near XXXX. On XXXX/XXXX/2016 the {$70.00} charge was back on my card. I am calling them tomorrow ( XXXX/XXXX/2016 ) for the 7th time regarding this fraud charge. I have no faith in their ability to resolve this matter. I want to have this resolved, so i can close this account without negative repercussions on my credit report. Any help would be greatly appreciated, as i am getting nowhere speaking to their customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I had a XXXX card open in connection with my XXXX 's XXXX memebership. When I lost my husbands income I was unable to make full payments. They then placed me in collections and refused to take less than total amount due. I was then given papers saying they were going to put a judgement against my house. I was advsied an unsecured debt could not take my home so I did fail to show up to court. I now have a judement against my property and am unable to refinance my home. I want this investigated because I am still being told they are not able to do this. I tried to offer their collection agencie XXXX XXXX XXXX a payment of {$2000.00} to settle. They advised they would remove the judgement but continue to try to collect. I am scared to pay and end up with another judgement against my home. I have no other accounts in default everyone else worked with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Miller, Stark, Klein and Associates
State: FL

Complaint narrative:
This Company continues to call for a person that is not me. I have spoke with them 3 times telling them I have had this number now for 2 months and I am not the person they are looking for. They left a message again today for this other person they ask for which is XXXX XXXX. I called back and the person I spoke with stated his name is XXXX XXXX, which I doubt it was because it seemed he had to remember his name. I told him that I am not who they are looking for and he said he put me on hold and then he just hung up. When I called back their line would not even accept my call. I am just trying to get them to stop calling. I do not believe that Miller Stark Klein and Assoc. care about bothering anyone even when they know they have the wrong person.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 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:
I gave XXXX XXXX a notice of vacating the property on XXXX/XXXX/15 due to him creating and allowing a hostile environment where I was being discriminated against due to religion, gender and ethnicity. His tenant moved from their patios to the apartment entrance to harass my nephew and hung around in front of my door to intimidate me because they wanted me to move ; they were XXXX or XXXX men which scared me. I filed complaint with XXXX and he sent a bill for amounts not owed, He allowed his contractors to damage my chairs and never notified me of any repairs being done to the bldg. He put materials in front of my patio door causing me to fall XXXX and I have XXXX and health problems. When I moved in I had to clean the apartment due to roach mounds,, mold and mildew everywhere and coming through the paint. There were all sorts of insects like bedbugs, ants, roaches, spiders and bait coming inside the apt XXXX Workers with keys entered my apt while I was out and left clues to being there including leaving the door open. The contract said the notice had to be given 60 days before move out and on or before the XXXX of the month. I gave him the notice early so that he would be aware of the move and circumstance. He wanted me to give him the notice after 2 more weeks passed which I talked to him personally on the XXXX about this. So, he was given written notice and verbal notice of my move out. He charged me {$1000.00} for failure to give notice and cleaning expenses. I did what he asked, but he retaliated. I called the XXXX police about the incident and he said that he would do nothing without a restraining order, but he made sure he called the police on visitors that I had and you can check the record -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX GA XXXX. He would stand in front of my door every time he came into the complex which stressed me, because it was intimidating and said that he knows everything that was going on in the complex. His demeanor and actions reflected that he wanted me to move and the people in XXXX XXXX & XXXX made sure that I was n't welcome with their actions. I followed what he told me to do, but the fact that he owed me for the chairs means we break even.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
Servicing of my mortgage was assigned to a temporary servicer pending completion of the paperwork for the investor to acquire it. The investor took possession and assigned their servicer before the first payment was due, but the temporary servicer continues to send monthly statements, late statements, and collection letters despite several hours spent on the phone with their collections and customer service groups, and a formal inquiry to their research department. I have made all required payments to the investor, but the temporary servicer refuses to contact the investor who owns it, and has spent 30+ days without contacting the originator. 

I have also been informed by the temporary servicer that it is my responsibility to acquire the documents they are missing ( including servicing transfer notices ), provide them contact information at both the investor and originator, and fax them documents regarding the transfer of my mortgage. Even after providing them with the name and phone number of the secondary market contact at the originator, they told me it would be 15-20 additional days at a minimum before I should expect them to attempt to resolve this, even though they are sending notices attempting to collect 2 months of payments and I submitted a formal inquiry a month ago to have this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
In effort to pay off a credit card debit with Discover, my wife and I have encountered several unnecessary frustrations and complications with Discover. We had over paid the account and wanted to be refunded that amount. This course of action has taken two months to occur. I wanted the money deposited into my wife 's checking account, which they reported was fine, but then later reported that they were not able to comply with that request. Over time, the refund was permitted, we initially requested the amount to be transferred back and it was agreed that the money would be transferred to an account on file, which was not an account belonging to my household. Discover was not aware of the account that they were refunding the account to and provided little information in its resolution. After constant delays I had requested that a check be sent via mail. Discover reported that this was fine. After calling them again, I was informed, without my constant, that they will be sending the funds through a third party, which would deposit the money back on to the initial funding resource. This is not what was requested and it ultimately wastes money, time and effort. Once deposit back to the account in which it came from, I can not use that money to pay off other debit that the money was intended for. When I asked the supervisor to contact the banking division of the company to have this corrected, I was told that they are unable to contact them by phone and had to be e-mail. Once Discover returned my phone call, they reported that the initial request was made and that the funds were transferred back to the account, despite the number of phone calls that were made between Discover XXXX with different individuals ) and myself through the course of several weeks. As of right now, it was told to me that mailing a check was never truly an option and this decision was made on the XXXX of XXXX. No one confirmed and this was told to me after talking to XXXX customer service supervisors and a loan specialist. However, the interest charged on my other account continued to grow while waiting for Discover to make a decision, communicate that decision, and execute that decision. If this statement was made initially, I would have been frustrated, but this issue has now surpassed customer neglect/abuse or at the very least, extreme poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
I was behind on my mortgage & called Dovenmuehle Mortgage to arrange payment, they refused any payment & stated that I was too far behind to acept what I had to give. I told them I would do what I could & call back as soon as I had the full amount that they had told me. Two days later I had that amount, I called to make the payment & they said that I needed to pay approximately {$400.00} more since they had sent it to foreclosure. This same thing has happened to me before with them where I got behind & they said one amount & I was able to collect it & called in to pay a few days later & it was sent to foreclosure & needed more money. I understand I was behind but this is the XXXX time they have done this to me where I get all the money that they tell me that is due after they refuse to take any type of partial payment to help bring the balance down & then when I call back in they want more. As well as just about every rep that I have ever spoken with at that company is rude, condescending, callous, uncaring & make you feel like you are stupid & feel bad about yourself or your situation if you get behind.

Company response to consumer: Closed with explanation