vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: WA

Complaint narrative:
There has been no response from Seterus since XXXX/XXXX/XXXX XXXX XXXX. to my answer concerning missing documents. 
I officially began this journey for a loan modification XX/XX/XXXX, that is XXXX months ago. XXXX, XXXX, and now Seterus have followed the same script that must have been developed by XXXX. Lost documents, bogus loan modification offers, numerous requests for new loan modification applications ( XXXX by Seterus in 10 months ), input of incorrect figures to produce negative NPV statements, just to name a few, the list is extensive. I have XXXX large XXXX ring binders with documented behaviors. It is apparent that they have no fear of the behaviors listed in the enclosed document datedXX/XX/XXXX posted by CFPD. 

My question today is how are XXXX, XXXX and Seterus allowed to ignore the agreements they signed with Dept. of Treasury. Given the Stabilization Act of XX/XX/XXXX and the accompanying Home Affordable Modification Program Guidelines issued XX/XX/XXXX by Dept. of Treasury, the CFP Bureau should be able to bring pressure to resolve the continued bad behavior towards borrowers asking for loan modifications. 

I have enclosed a NPV statement in accordance Modification Program Guidelines also I am uploading the latest set of documents sent by mail to Seterus for your consideration. 
Request for loan modification documents dated XX/XX/XXXXSeterus denial documents dated XX/XX/XXXX received my me XX/XX/XXXXLetter from me disputing their denialAll documents listed below are available thru XXXX search. 

XX/XX/XXXXCFPB Rules Establish Strong Protections for Homeowners Facing ForeclosureNew Rules Prevent Servicer Surprises and Runarounds for Mortgage Borrowers1 -- EMERGENCY ECONOMIC STABILIZATION ACT OF XX/XX/XXXX2 -- FINANCIAL AGENCY AGREEMENT for a HOME OWNERSHIP PRESERVATION PROGRAM under the EMERGENCY ECONOMIC STABILIZATION ACT OF XX/XX/XXXX with Fannie Mae entered into with Dept. ofTreasury, XXXX/XXXX/XXXX. 

3 -- Home Affordable Modification Program Guidelines issued XX/XX/XXXX byDept. of Treasury. Pay particular attention to the portions as it relates to NPV, pages XXXX and XXXX, also Net Present Value Model Parameters on page XXXX. 

4 -- Copy of NPV evaluation results derived from data extracted from loan modification denial on XXXX/XXXX/XXXX by XXXX XXXX. XXXX pagesSincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
equifaxXXXX XXXX XXXXstatus showing collection/charge off ( should be unknown ) remarks should show account included in chapter XXXX bankruptcy filed XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 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: NY

Complaint narrative:
My husband and I are paying XXXX of XXXX loans our daughter has with Discover Student loans. We send them the checks with letters of instructions and note the instructions on the checks - but they are applying the payments to another loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
On XX/XX/2015 my mother was killed in an auto accident. and at that time we did not know of any debt on my mothers behalf. After the funeral I became Executor and began to check my mother 's mail and affairs. After calling all debtors companies and resolving those debts " Credit Bureau Systems Inc. attached a proof of claim to my mother 's estate in district court. they would not call me back after several attempts to contact them to resolve this matter of debt. My mother had no banking account, and live in a home that did not belong to her. I 've talked to the other family members and we can not pay the amount. please inform me on how to take care of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
I was " invited '' to apply for a personal loan at Discover Personal Loans. I have been a discover credit card member for about XXXX years and always pay off my balance each month. I also have a rather excellent credit rating. So I applied online and was told to call their office to complete the process over the phone. They said they were busy that day and a " senior loan rep '' would call me back. They did not so I called them back. I spoke to someone who reviewed my application and then called me back on a secure phone line to ask me some personal questions about my existing credit accounts. I told them and she said that a " senior loan rep '' would call me back in XXXX days to ask me some more questions. Well about XXXX days went by, including the weekend, and I received a letter with a very vague reason for them being unable to approve my request. the reason is " UNABLE TO VERIFY CREDIT REFERENCES ''. So I called to find out exactly what this meant and why I never received a phone call from the " senior loan rep ''. After going up the chain of command, I was told that verification was what they did when they called me on the secure phone line. However she was not satisfied with my responses regarding when I opened a store credit card that I have not had open in approximately XXXX years. I guess because I could n't remember the exact year I opened it. So apparently instead of calling me back like I was told I would be or even to further verify my information, they just stopped the application process and are denying me a loan. I understand if the denied me because my income or credit rating was not sufficient but that is not the case, in fact I more then qualified. I was just because they stopped the application process before even being considered. Also the supervisor I spoke to said I should not have been told that a " senior loan rep '' would be calling me. Apparently that is not what I should have been told. So I feel like not only was I giving the wrong information by the initial phone rep, but also that she stopped my loan process for no valid reason. So I can not reapply to Discover Personal Loans for another XXXX days, because " they 're system wont allow '' as I was told. The other problem is since I attempted to apply with them, my credit rating suffered a drop. So now when I go to my bank or another lender to apply for a loan this week, I will be applying with a lower FICO score then normal, which will make the process and interest cost much different then if I never had dealt with Discover Personal Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Valley Credit Service, Inc. (OR)
State: OR

Complaint narrative:
Received multiple calls from debt collector ( Valley Credit Service ) on a debt I had already paid ( to XXXX ). I told the collector the 1st time that I had already paid my bill in full. They did not investigate until over a month later after threatening me with legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
I CONTACT AMERICOLLECT XXXX ON XXXX/XXXX/2017 AND SPOKED TO XXXX XXXX LETTING HER KNOW THIS IS A FRAUDULENT ACCOUNT SHE ADVISED ME THAT THIS ACCOUNT IS IN SOMEONE ELSES NAME. THE VIOLATION IS WHEN I TOLD HER THIS IS A FRAUDULENT ACCOUNT SHE STATED WE WILL NOT REMOVE FROM CREDIT BUREAUS KNOWING ITS FRAUD. THAT IS NOT RIGHT TO TELL ANY CONSUMER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: AR

Complaint narrative:
I request to dispute the payment late for XXXX days that has been appearedIn my credit score information. I have some reason why I late to pay. 
The reason is when I got accident my insurance company said thatThey will pay off my car so I delay my payment. 

The XXXX reason are I have already pay for the insurance full coverage withXXXX XXXX but my lenders which is BECU still charged me for full coverages insurance. 
In that time I need to pay XXXX for the insurance. After I talked to themThey said that they will reduce my monthly payment but the monthly paymentStill in the same amount. Then I delay again my payment. 

Thanks for ur attention. I ll wait for ur best resolution and suggestionBecause this case has already ruined my credit score so much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lloyd & McDaniel, PLC
State: IN

Complaint narrative:
XXXX XXXX lease car returned XXXX. Third party inspection @ XXXX of XXXX dealership noted returned vehicle passing total condition compliance with noting no damage. XXXX representative informed me that my balance was {$0.00}. That day, I purchased a new lease through XXXX 's sister company, XXXX XXXX, at same dealership. Today, XXXX, I am the primary signer on a new XXXX vehicle purchased at same dealership, with top-bid approval incentives for financing through XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
My Loan Company is UAC, they call my References stating I have applied for a job with their company and they are trying to reach me. 
XXXX one of there Reps sends me Repo letters when my payment is late one day.

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 2015-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Evergreen Acquistions, LLC
State: CA

Complaint narrative:
I first recieved a call from this number on XXXX XXXX. I was told my sister had some sort of fraud going on her account. I told them her phone was disconnected and I did not get a hold of her. I received XXXX calls today. I researched online and discovwred this company has similar complaints in which they say they are trying to get a hold of someone but its a debt collectors. I just got off thw phone. A woman named XXXX answere. She said ahe was trying to get in touch with me and they some identity theft stuff. I told her tgat I 've had credit monitoring for the last year so its not pssibme and that the last time I got a call from this number that they said they were looking for my sister. To which the the XXXX said my sister put me down as a reference for evergreen. I told her that I do not want to be call anymore becauae its a debt collector looking for my sister and I wanted to placed on the do not call listI told her to send written notification to my sister instead of repeatedly calling me. The lady was very argumentative and would not agree to place my number on a do not call list. I eneded up hanging up on her with my last words being do not call me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
My issue relates to the article written by you. 
I was enrolled in Discover 's " payment protection plan '' which I have ZERO recollection of ever enrolling in -- trust me, I do n't have enough money to just randomly hand them over a percentage of my credit card spendings every month. They enrolled me in this program XX/XX/XXXX ( or XX/XX/XXXX ), due to my admittedly poor due dilligence, I did not notice this being charged monthly until last month. I called them IMMEDIATELY to tell them to remove this program, that i never enrolled, that I never WOULD have enrolled, and that if I DID enroll, it 's because of their dishonesty and not properly explaining this program to a kid getting his first ever credit card. 

They simply said they would reimburse me for the past 7 months, but I am essentially screwed for all the previous years and fees for which they have robbed me. I ca n't afford this and I feel so incredibly misled and taken advantage of, so I appeal to you to please help make this right. 

This details of this scam from Discover were covered by you before here : XXXX PLEASE HELP ME GET MY RIGHTFUL MONEY BACK. I was tricked and am already in dire financial straights. THIS IS NOT OKAY AND IS SO DISHONEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NM

Complaint narrative:
On XXXX/XXXX/2016, I purchased a XXXX XXXX Desktop Hard Drive from XXXX. After trying a number of procedures suggested by both XXXX ( the manufacturer 's support website ) and XXXX ( the manufacturer of the computer into which Hard Drive was to be installed ) including purchasing XXXX more cables to 'piggy-back ' unit into my existing Hard Drive, and not achieving any results, XXXX suggested I RETURN the hard drive to XXXX , the merchant from whom I had purchased it. I called XXXX customer service and was assured they would send me a return label and I would get a replacement unit. XXXX NEVER mailed me such label, or a replacement unit, or issued a refund for {$84.00} ( price of unit and shipping ). I then contacted my Credit Card XXXX, DISCOVER, and filed a billing dispute XXXX, Case No. XXXX. On XXXX XXXX, 2016, I received correspondence from DISCOVER CARD, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, saying they were closing the dispute as " the transaction appears to be valid! ". Furious, I called DISCOVER CARD at their toll free number XXXX, and attempted to have their customer service reps address a number of issues. The first call got me thru " XXXX '' / '' XXXX '' who was flip, condescending and refused to put me through a GENUINE SUPERVISOR who could address the issue. He finally hung up on me while he had me wait for such a supervisor. I called back at the same number, and also got their Ohio Call Center once more, only this time I spoke with a " XXXX '' who made believe he could not hear me and finally hung up on me. DISCOVER CARD has been totally irresponsive, arbitrary, capricious, and outrageously callous. I 'm a XXXX year old XXXX XXXX Veteran living on a fixed income and {$84.00} for a XXXX LB PAPERWEIGHT which I was expecting to use as a Hard Drive in my desk top computer may seem trivial and petty to both XXXX and DISCOVER CARD, but for me it represents SUBSTANTIAL LOSS for something I 'll never be able to use as intended. I would like DISCOVER CARD to use their CORPORATE MUSCLE and force BESTBUY to send me a replacement WORKING UNIT, and a return label with which to return the defective unit, OR issue a CHARGEBACK to XXXX for selling non-working electronic parts and refusing to stand behind them through either replacement or credit for price paid. I have CLOSED OUT MY ACCOUNT with DISCOVER CARD after the very unpleasant experience, after paying them off in full on XXXX XXXX 2016.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 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: TN

Complaint narrative:
XX/XX/XXXX, I signed on to a year 's lease agreement with XXXX. XX/XX/XXXX, I gave notice of early vacation and moved out by XX/XX/XXXX, fully aware that I was liable for a re-letting fee of {$790.00}. XXXX did not formally bill me this value, nor did they ever contact me after my move. My first knowledge of any indebtedness was when, upon investigating my own credit report XX/XX/XXXX, I discovered Rent Recovery Solutions claiming my delinquency on an account totaling {$1300.00}. I investigated the nature behind the {$500.00} discrepancy and discovered that XXXX and their management company XXXX XXXX XXXX XXXX had added additional charges on to the original re-letting fee using fraudulent evidence to claim I was residing in my apartment past my move-out day. 

Only after I began investigating these additional charges was I first contacted by Rent Recovery Solutions with a demand for payment. I offered tender for {$790.00}, the only legitimate amount I may have owed, and their representative refused, citing the full amount. He additionally told me that if some of the charges were placed in error, I was welcome to send evidence to their auditors to review. 

I have sent numerous communications to Rent Recovery Solutions presenting evidence of the illegitimacy of the additional charges. I have filed complaints to the XXXX on the matter seeking resolution. I also contacted Rent Recovery Solutions through XXXX credit dispute system. Each time I have offered to pay the {$790.00}, and each time I have been refused, either through non-communication or a re-affirmation that they would only accept the full amount of {$1300.00}. It has now been over one year since the account was reported to the major credit bureaus, and it has been three months since I was first made aware of the alleged indebtedness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
I received a phone call from a representative by the name of XXXX along with a voicemail after it 's been told to cease all communications with me. She called me at XXXX est I missed the call and called back because I did n't know who it was calling me. So I called the number back twice the second time the representative answered I told her that I was returning a missed call she asked if I was XXXX I said yes but did n't verify any other information, according to FDCPA debt XXXX are still supposed to verify the identity of whom they are reaching, she never asked my date of birth nor my social, she did however disclose mini-Miranda which they did n't do the first time. This is my second complaint against this company for violating and breaking all FDCPA regulations. They are attempting to collect on a debt that is n't mine. I 've hired an attorney as of Monday XXXX I am represented by Law Offices of XXXX. and this company is aware of this. I am seeking legal actions against them and I am pursing for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from RentRecovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RentRecovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
Hello, I am using Discover credit card and I pay off my monthly due on time with full due payment as per their statement to avoid interest. I also used Discover promotions like balance transfer with 0 % rate for next 18 months with initial fee. Let us say by using that promotion, if I transfer {$3000.00} on XX/XX/XXXX and they charge me {$90.00} on the day of transfer initially and then I have to pay off that amount on or before XX/XX/XXXX 

So my understanding is that from XX/XX/XXXX onwards, if I pay off my monthly purchase transaction as per monthly due, I wo n't see any interest. because my balance transfer loan is 0 % for 18 months. But every time I pay off my monthly due as per their monthly statement, they still charge me some interest. I asked them why then they mentioned, I have balance transfer loan. But that is 0 % for 18 months. 

As a consume, I am not able to understand their explanation. I can provide my last 24 months statement, you can look at it and see why those interest charges applied every month. They are charging me initially 3 % of loan to provide 0 % for 18 months and then they are charging interest fee every month. But I am paying off my all monthly purchase transactions as per their statement. 

Let me know if my statement make sense or not. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: DRS Financial LLC
State: OH

Complaint narrative:
yes the collection company did respond and they will accept lowere payment XXXX XXXX om medical bill..but i want it in writing on that amount first before i sewnd payment in too them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
Car Hop and UAC are reporting incorrect information on my credit reports. I have made a lot of calls to them and nothing gets fix. I get treated very poorly by there reps and hung up on. They have that I missed payments when I didnt and reported that this account was charged off when it was not, it was still a open and active account. I paid it off now and it says I paid a closed charged off account.

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 2015-06-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect
State: LA

Complaint narrative:
The original creditor submitted bills to a wrong address in my name. Upon finally receiving the bills from the addressee in error ( a resident on my street ), I contacted Americollect through letter explaining that The billing address was incorrect and I 'd submitted payment to the creditor, XXXX XXXX XXXX. This collection still shows current on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation