vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC

Complaint narrative:
Hello, My Morgtage has been sold to Rushmore Financial Services. This was sold to them when XXXX left the market. Immediatly they law suit me for the amount of XXXX of the principal amount of the morgtage and want as a settlement 35 % of the amount owed plus all the interest accumulated. I personally thinks is fair, but what motivate me to contact you guys is becasue they are not flexible and expressed that they just want to aquire the home to built their house portfolio. That was the statement from XXXX XXXX from loss mitigation personnel. The phone number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I lost my job and was unable to pay the loan. I forgot and never received a letter now they are harassing my family and myself and left XXXX to my brother stating his name and saying he was a compliance officer in a case being filed against me and they are going to appear at my home or job leaving processing and case file and that it was an illegal notification via phone. When I called and told them at this time I was not able to make a payment he told me that they were going to proceed with judgment and my wages were going to be garnished I said I should probably get a lawyer involved he said how do you have money to pay a lawyer and not the debt then he said ok well we 'll see you in court and hung up. When I called the first time they wanted me to pay over XXXX $ for the legal fees then we could set up a payment plan for the rest when I said I could n't afford that he said ok we 'll let the debtor know that we made contact you are refusing to pay and we 'll see you in court and also hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Wilson, Riley & Associates
State: IA

Complaint narrative:
Company called myself and wife stating that they were coming with a sheriff if I did not rectify the issue. Misrepresenting themselves as from the County that I live in.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Spoke with representative on my personal phone. XXXX XXXX ( the representative mentioned earlier ) called me at work and I informed her that this was not a personal line and that calling was was not alright. She has continued to call my work phone and argues when i inform her that this is not an except-able phone number to contact me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MI

Complaint narrative:
I was in debt trouble at the beginning of 2014. I contacted XXXX XXXX XXXX for help. They sounded very promising. They had me stop paying the bills and let them go to collection. While doing this they had me paying Global Client Solutions XXXX to store the money which they would use to negotiate down the road once a certain amount of money was built up. During this whole time you were able to cancel at no time and get all your money back except for the opening account charge.On XXXX/XXXX/14 I decided to cancel as I had money to start paying and get back on track. When doing so this Global Client Solutions XXXX was to refund XXXX to me. They claimed to send the check and even sent a picture of a check they claimed to have sent, but never came. Once I tried investigating what to do or get the check re sent they would hang up on me every time I called after giving the account number. I just do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Covington Credit in XXXX, Tx. has called me on a constant basis everyday to collect on a loan payment. Given my struggle to repay this debt, the manager told me that she can not take " partial payments '' because she has to report this to her corporate office. This company has even made personal visits to my house attempting to collect and leaving letters with my children to give to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: PA

Complaint narrative:
I am getting repeated phone calls from this number with no message left and no ID

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: MORTGAGE LENDERS OF AMERICA
State: VA

Complaint narrative:
I am at my wits end and in tears as i write this to you. I have begged everyone at my mortgage company for help and all has fallen on deaf ears. This has been the worst experience of my life. I am 2 weeks past my closing date and still not closing. I have had to order my own tax transcripts along with many other items i had to do for them to try and get them to move along. I dont understand how a company can do this to people? Please help me!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
My credit card information was stolen and someone purchased services. The largest charge being listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: IL

Complaint narrative:
Principal payment in the amount of {$220.00} was submitted to Discover Student Loans on XXXX XXXX, 2015 by personal check. This check was cashed on XXXX XXXX, 2015 but not credited toward my account. 

I sent an email on XXXX XXXX, 2015 requesting that they correct this error ( backdated to the date they cashed the check ) and received an email back requesting proof of my payment which I supplied ( canceled check images ) on XXXX XXXX, 2015. My account STILL has not been credited the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am writing regarding the unscrupulous and horribly corrupt methods of Discover Card Financial Services located in XXXX XXXX XXXX Utah. 

I had purchased a microwave from XXXX using my Discover Card, and I had the microwave installed in my home. I subsequently discovered that the microwave may have been a used unit as there was no warranty card or owner 's manual. 

Since I was dissatisfied and very unhappy with the microwave unit, I informed XXXX I was going to return it. They agreed to take the microwave back and I returned the unit on XX/XX/XXXX, and it was on that date XXXX removed the unit from my home. XXXX refuses to acknowledge my return and authorize the refund of the {$640.00} which includes the cost of the microwave and the installation. 

But it is Discover Card that is causing me terrible distress in my dispute against XXXX. Discover Financial Services/Billing & Disputes Department continues to give me " temporary credits '' only to reverse them back to my card. This is despite the fact that I have a signed receipt with a signature proving XXXX installers came to my home and picked up the unit. I have sent proof of return twice to Discover, and I have spoken to countless representatives. I have documented everything in chronological order with detailed information regarding this dispute. Discover Billing and Disputes refuses to cooperate and give me a permanent refund. 

As it stands now, I have no microwave. XXXX stole my money, and Discover Card is playing hardball against me by refusing to give me the permanent credit. 

I have a letter which documents everything, along with everyone I 've spoken with and every date. 

I am request that your office intercede with Discover Card Financial Services forcing them to give me a refund. 

I am devastated over this. Discover Card is protecting XXXX. Please help me in this matter. 

Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover credit card company made several mistakes with my auto pay bank account number changing. After this issue settled down I disputed an auto withdrawl XX/XX/XXXX. I was staying in the mountains in XXXX, CA and I had no internet access. A payment came out and I called a few days after I had internet access and could see. They insisted I had made it, I insisted otherwise. After this they escalated it to the fraudulent department and issued a new card, sign on ID and password. I was so angry I stopped using the card, and had n't signed onto the account for a couple months. Suddenly I got a notice from a bill payment service that said I had a late fee from Discover. I had n't got a bill in the mail, or in the email but there was {$64.00} due. With the jssuing of a new card, and sign on ID it had stopped my US mail bills and access to email account information. By that time it was too late and a few days past due. Discover happily removed the late fee and said it should be a problem. Later that year I was locked out again and had to be re issued another account sign on ID. In XX/XX/XXXX I noticed my credit score drop XXXX points. After receiving my free credit report I now know it is from Discover. 
I believe in large part my late payment was due to the multiple changes to my account all of which was out of my control. I have lost a lot of faith in Discover, but I 've been an account holder sense XX/XX/XXXX. If I close my credit card it will hurt my credit much more. I am asking again that Discover remove the late payment from my credit as they had made so many errors on my account from XX/XX/XXXX/XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
I called Discover Card to cancel my account. I had to talk to multiple people on the phone, the last person gave me a hard time about cancelling, and ultimately said she would, but my account is still not closed after a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had a credit card from Discover that was charged off XX/XX/XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XX/XX/XXXX to XX/XX/XXXX I was on a XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX , XXXX, neither have I. On Monday XX/XX/XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
My wife and I were looking to refinance our home. We contacted a gentleman named XXXX XXXX whom we were under the impression he worked with discover home loans. In the first conversation with XXXX we had our credit ran and it all seemed to be going well, we also paid a {$400.00} appraisal fee. Towards the end of the conversation XXXX mentioned that discover was intact merging with XXXX. I was alittle upset because we originally wanted to go through Discover bit figured it would be okay since it was a supposed merger. XXXX informed us that there would be a block out period for about a week for the merger to take place. About 3 weeks after that I received a package in the mail which contained a copy of my credit report and my new login information. I was confused. I checked my credit and found that XXXX ran my credit in addition to Discover. I called XXXX from originally discover and he claimed that the pull was a soft hit when in fact it was a hard pull. I could n't understand why a company that had supposedly merged would pull my credit XXXX. I contacted a representative from discover whom infact told me that they DID NOT MERGE WITH XXXX, but that XXXX bought out discover home loans that were over {$100000.00}. Now I did n't even have a mortgage loan with discover and I originally wanted to work with discover but at no point in our first conversation did XXXX XXXX mention that discover no longer offered loans over a certain amount and he did n't mention the fact that XXXX bought EXISTING DISCOVER LOANS. The representative I spoke with at discover told me that what she thinks XXXX XXXX did was run my credit and took me with him to XXXX. I am very upset because I was n't told the correct information. I was lead to believe that it was a company merger when infact it was n't. I understand that XXXX bought existing discover mortgages, but I was n't a discover mortgage holder. I was mislead. Armed with all this new found information I contacted XXXX and my number was automatically directed to XXXX XXXX. So I called from a different phone number and spoke to a representative and asked for XXXX XXXX supervisor. I was told that I would return a follow up call from XXXX of the supervisors and I have n't heard anything from anyone since then. Now I did a refinance with a company that I DID NOT WANT TO DO BUSINESS WITH because I was mislead and I did not want another hit on my credit and almost 2 months later I still have n't closed. I 'm beyond XXXX for the fact that I was told incorrect just down right wrong information..I was taken advantage of and I 'm very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I have contacted Rent Recovery by certified mail they have accounts for the same amount on my credit twice. I have no knowledge of this debt and asked for it to be removed. XXXX is on my credit report twice I asked for both accounts to be removed it is no my account and it is past the limitations for the state of Georgia. They also have a XXXX listed that I have no knowledge of the failed to respond to my letter. I will take legal action if this is not corrected I will enclose the proof and that it is on my report twice for the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
I was recently divorced and assumed full liability for a joint Discover Card account that my ex-wife and I have. I am the petitioner and the divorce decree states that " The petitioner will assume and pay and hold the respondent harmless '' for the Discover Card and other joint debts. I called Discover to ask them to remove her from the account, which still has a balance and they refused. They offered to establish a new account in my name but they would not transfer the balance from the joint account. The balance is reported monthly to the credit bureaus for both my ex-wife and I, and thus it shows my former wife is liable for the balance when in fact she is not. How can this be acceptable under the Fair Credit Reporting Act where it requires creditors to report accurate information? If my ex-wife is legally not responsible for the debt, then why can Discover, and other creditors, continue to report it as such?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
This issue is about Discover Extended Warranty service. I filed a claim on XXXX/XXXX/XXXX regarding my XXXX may need a battery replacement. I uploaded all the required documents and received first email back on XXXX/XXXX/XXXX asking me to upload repair estimate. On XXXX/XXXX/XXXX, the representative, XXXX XXXX XXXX, called me to tell me my case was rejected with extremely rude attitude. She stated that warranty terms " This Warranty does not apply : ( a ) to consumable parts, such as batteries or protective coatings that are designed to diminish over time, unless failure has occurred due to a defect in materials or workmanship '' ( Please see the attachment - XXXX 1 year warranty ). Also, please see attachment XXXX -iPhone Battery & Power XXXX Official XXXX Support, " Our warranty covers a defective battery, but it does n't cover wear from normal use. If you 're covered under warranty or AppleCare+, we 'll replace your battery at no charge if it retains less than XXXX percent of its original capacity. '' Clearly, XXXX is not responsible for normal use battery, but is responsible for defective battery, which means less than 80 % capacity. Therefore, my case should be eligible for replacement under warranty at no charge. Also, Discover has its extended warranty can extend the original warranty one more year. which means Discover is responsible for this claim. However, XXXX XXXX XXXX insisted " the battery is not covered by warranty '' but she did n't notice the sentence " unless unless failure has occurred due to a defect in materials or workmanship. '' One more thing to mention, my iphone has been inspected and replaced a battery in XXXX of XXXX stores. According to their policy, they only changed " defective '' battery ( less than 80 % ), even if you want to pay by yourself. If your battery is good, they wo n't replace it. If your battery is defective, it 's free to get replaced under warranty and {$79.00} for out of warranty. 

I am writing this letter to see if I can get any positive feedback from Discover because XXXX XXXX XXXX was not willing to talk, explain, and listen to me. I felt extremely disrespected today. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
I have a loan through Discover. I 've always paid on time. Around six months ago, I had a problem with the automatic payment & it did n't go through, so I called & made the payment. they were going to have the late payment taken off & get back to me. They never did either. I called them again & they said they 'd do both-but never did. Then I accidentally made two payments in one month which I could n't afford & they said they 'd ckeck into getting one payment back to me & also reverse late payment charges & get back to me. They did get my one payment back to me but never reversed the late payments & once again did not get back to me. The late payment is increasing & I need help with this. Also for some reason my payment has increased slightly & this is in addition to the late fees. I spoke to them about this & they were going to fix it but never did.l

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: OK

Complaint narrative:
It comes up Discover Finance ... ... I do not own a XXXX card, never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
Discover card is deleting records that can disprove the balances owed on their accounts. After 10 years of paying about {$200.00} a month on my account there is no reduction in my balance. I began to research this account to find out what the initial balance was as well as an accounting of how and what charges was I still paying for but was unable to find that information out because those records were inaccessible. I was lulled into trusting discover When I began this investigation I pulled up records that showed a beginning balance but no purchases only an unchanging balance. My credit limit is higher but I do n't understand how I arrived at the current balance. I saved the statements that were available at first but when I went back to review them a few days later they were not available. I reported this to XXXX. But got nowhere. For the last four years I have paid about XXXX $ a month with no change to the balance. I feel as if I am an indentured servant. Please help.

Company response to consumer: Closed with explanation