vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect
State: MI

Complaint narrative:
The collection agency is attempting to collect debt I do not owe. They are attempting to " balance bill '' after the original creditor was paid what they agreed to accept from my insurance company for services. They have placed it on my credit reports and also have called excessive number of times to my place of employment. They have also let my coworkers know that the call was about a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover has misreported a balance on a credit card that was paid close to 4 years ago. I pulled up my credit report and it is still showing a balance even though I already paid it. This has caused stress on my credit report. I 've written them a letter and disputed it on my credit report however nothing has been resolved. Please help me get this account removed or reduced to what is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
We recently changed banks so I am in the process of updating any accounts that we have set up to auto-pay to use our new account as the payment method. I am having some serious issues with our mortgage service provider, Dovenmuehle. I went onto the website to change out payment account. They do n't even offer an option to change, only to enroll or cancel. So I cancelled our current auto-pay and tried to re-enroll. This was 2 weeks ago. It gave me a message stating " Currently, there is a pending transaction in process. 
Changes may take place the following business day after XXXX CST. '' I checked back the following day and got the same message. I tried for 2-3 more days, getting the same message each and every day. So I called Dovenmuehle and asked them what was going on. They said they had to put in a help desk ticket, which is insane because all I want to do is change the account that I used to pay my mortgage. I ca n't imagine that every single time that Dovenmuehle has a customer wanting to change payment accounts that they have to put in a service ticket. 

Regardless, they told me I would hear back in 24-48 hours. It 's been over 3 days with no response from them, and still the same message on their website. So I just called back and wasted another XXXX minutes on the phone to be given the same run-around that they were working on it. 

I do n't think it is fair to have someone servicing mortgages that is not even competent enough to have a functioning website to accept payments. How can I make a payment to them when I ( 1 ) can not add a payment account and ( 2 ) can not get anyone there to do it for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
For a medical service my wife made an advance payment/booking on XXXX XXXX XX/XX/2014 using my credit card ( since they offered XXXX time yearly discount during that period ). The payment was done via phone. The transaction was not a signed transaction. 
My wife was supposed to receive the service by XXXX but she re-scheduled the appointment to XXXX due to her medical condition. She called that clinic by XXXX and the number did not go through. So she waited for a week more and did not get any response either. When we personally went to the place to our surprise the place was locked and no attendees to address our concern. 
This is a huge amount for us and we did not except the company will not render the service they have paid for. 
Later when we researched on internet and found that the servicing company has filed bankruptcy. 
We raised a dispute with the bank and a temporary credit was provided for the amount. Now after investigation the bank had denied the dispute mentioning no sufficient documentation. 
Kindly let me know what can be done at this stage?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AL

Complaint narrative:
In XXXX 2015, I filed a complaint with the cfpb submission, [ Case number : XXXX ]. My complaint was against Nationstar regarding their escrow analysis, applying fees to the account without verifying that charges were incurred by them, applying payments to a suspense account fraudulently, attempting to sell the property without notice to the homeowner and before the property had been foreclosed upon, as well as failing to identify the owner of the mortgage. In XXXX they provided documents to identify the owner of the mortgage and a transaction history prior to their becoming the loan servicer. They did not address the methods used to conduct an escrow analysis or the other issues in the complaint. They did not provide a response that could be read. When I contacted cfpb for assistance their representative XXXX with employer ID # XXXX verified that she was unable to open any documents and therefore she also was unable to read a response addressing the issues in the complaint. These issues have created additional burdens which have made it difficult to continue making payments on the account because of Nationstar 's demand for ever increasing amounts and no justifiable explanation for their increases or addressing their failure to include all payments made into escrow before the escrow analysis was initially done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I bought a below market rate home last XXXX XXXX XXXX ). At that time my mortgage payment was set at {$2300.00} a month. In XXXX XXXX, my mortgage company ( Dovenmuehle ) raised my monthly payment to {$2900.00}. The extra {$590.00} was to make sure I had enough $ $ in escrow to cover my property taxes. After some checking on my part, i found that my property was assessed at it 's market value not what I purchased it for. The difference was {$30000.00} plus. I spoke with my mortgage company and the XXXX tax assessor and my property was reassessed 4 months ago. I 've sent my mortgage company the required documents ... twice. The last time I sent the documents, I sent them registered mail with a signature required. This was on XXXX XXXX, and as of today XXXX XXXX XXXX, I have not heard from them and they are not willing to lower my mortgage payment. In fact when I asked what would happen to the extra {$590.00} a month I was putting into escrow ... would I be reimbursed or what? The person I spoke with had no idea what would happen AND no idea when I might be able to resolve this issue. 
HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: LA

Complaint narrative:
I 've been with NetSpend, a XXXX entity since 2005. On XXXX, I contacted the bank to let them know that someone actually may have stolen my card number as my card was used XXXX when I clearly live XXXX. Customer asked that I provide them with a confirmation email about the dispute in which I sent from my personal email address and within the banks, website. I received word of my submission and they asked that I give them 14 days. On the XXXX day, I called after received notice that I did not provide documentation. They stated that they wanted me to send again, which I did while on hold along with their receipt however I asked to speak with a supervisor XXXX and was on hold for almost 2 hours. When the supervisor did come on to the line, she stated that she would have to call investigate the investigation department and then would get back to as she did not show any documentations from XXXX nor fron when I was on the phone today. I simply want my money back when its clear that I did n't do this. I have since destroyed the card and had to wait a week for a new card. Now, as of today, they are stating that the investigation will not be completed until XXXX XXXX. I do not think is is acceptable when I provided everything that they needed on the same day. If your bureau can be of any help or better yet, just get the word out that this is happening at this company, I would appreciate it. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 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:
RE : Rent Recovery XXXX XXXX XXXX XXXX Account No XXXX I have never paid late. The amount due is in error and does not take into account the more than {$1000.00} they received from me that I never got credit for, OR the {$400.00} deposit that was not returned to me. 

This amount is due TO me, not to them, for making excessive and extraneous errors in their bookkeeping systems. 

The credit bureau report claims of Rent Recovery, XXXX XXXX, and XXXX XXXX are fraudulent and should be removed from my credit report immediately. Their address is : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Also, XXXX XXXX no longer exists and there is no XXXX XXXX that is a legal entity in the state of Georgia at this time. These companies no longer exist and there is no money due to defunct companies that ceased to operate due to illegal collections and mismanagement of funds. 

I have documents proving this as fact and can present them on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
THIS IS A NEW COMPLAINT WITH NEW INFORMATION! Please review the updated information so that Discover is required to respect the law. In 2009, I moved to XXXX. I have lived here in XXXX XXXX, XXXX for the past 6 years. Discover keeps reporting an account to my credit with a balance that is collectible with out verifying I did guarantee it or when the last payment received. They claim I have lived places with out documentation. They still attempt to collect a debt now acknowledging it is out of the statue of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I signed up for a Discover credit card because of its cash back promotions, including 5 % " bonus '' spending categories and 5 % " Discover Deals. '' However, Discover has made it virtually impossible to verify that their cash back has been properly applied via unacceptably long delays in crediting the bonuses, inadequate and confusing documentation of the bonuses, and a chronic unwillingness to investigate my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I was never late with this company. I had to file a chapter XXXX and offered to pay them in full and NOT include them in the bankruptcy. First they said I could do that, then they said I could n't. SO, I included them in the bankruptcy and since they are a secured creditor they are getting paid in full. In XXXX 2015, 1 month after my Chapter XXXX was filled, they reported to my credit file that the account was charged off and have been reported it charged off every month since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
This complaint is in response to Consumer Financial Protection Bureau Case No. : XXXX Discover Financial did not complete their obligation regarding my fraud case, issued last year. I have submitted an updated complaint, as Discover Financial did not fulfill the obligation that they promised. 

Update to XXXX 's complaint : Discover card services did not credit all of the fraudulent charges on my account. As stated by the Discover representative, the company needed " additional time '' to take care of this case. I have been disputing this issue with discover since the fall of 2016. How does a credit card company get away with taking over a half of a year to take care of fraud charges on an account? Discover omitted fraud charges that I sent to their fax machine - XXXX and physical mail address : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX Discover credit card company created barriers for me to correspond about the fraudulent charges, so I had to great length to communicate the fraud to Discover Card company. I have sent countless amounts of documentation, pertaining to the fraudulent charges, to the Discover Card fraud department. Discover needs to credit the remaining charges that I submitted to them. Just because representatives of Discover credit card company correspond to the CFPB, does not mean the issue has been addressed and it goes away. I will confirm the issue has been rectified upon receipt of the check totaling the correct amount of money, for the charges that have not been credited back to me. Please note that I have received confirmation letters from Discover, acknowledging that they have received correspondence form me regarding the fraud on my account as recently as XXXX and early XXXX, on top of the other fraud confirmation letters sent previously and that they are working on the situation. Discover credit card services needs to complete this fraud case immediately and upon receipt of the check I am owed, I will sign off that this issue has been taken care of. 

Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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 loan payment was raised by {$130.00} dollars with no written notice by Discover Student Loans. 
They are unwilling to work with me to reduce my payments, & say that if I do n't make full payments they will report me to a credit company. I always make my payments on time. 
They have withdrawn funds my checking account without my consent & they admitted to doing it. 
I am having so many issues with Discover Student Loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Lionstone Holdings Group
State: NV

Complaint narrative:
Got call/voicemail from " legal courier '' XXXX XXXX from protected number who stated that he will be delivering legal papers to my home address on Firday and to make sure that I am available. This papers are filed against me in case with my SSN and provided me with reference number ( XXXX ). He also said that I need to contact issuing office at XXXX with any questions. Same voice mail message was left at my parents home phone number and I never listed that number as my phone number. I called given number and it was anwered by XXXX XXXX from Lion Stone Holding LLC who state that they filed case agains me for debt of {$1400.00} and if I do not pay it immediatelly I will be subject to legal case and possible arrest. I end up paying XXXX i have copy of " receipt '' as well as voicemail message available for further reference. After doing some research no " legal courier '' XXXX XXXX exist. I beleive it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Since Navient took over my account I have been slammed with misleading and unduly harsh credit reporting practices. The first occurred in XXXX XXXX. After making a payment of {$500.00} on XXXX XXXX, XXXX to pay down my balance, I was alarmed to find that I was reported delinquent to the credit bureaus just one day later. I was told in certain terms by a Navient rep that I would not be reported late if I made the requested payment, but not told that my payment would only apply to reporting in XXXX XXXX, which had only 2 days remaining at the time that I made payment in good faith. It was a bait and switch tactic. I had no idea that Navient would attack my credit just a couple of days later - after I made a payment. I was not advised that any of this could or would happen. I appealed to Navient to reverse this unduly harsh report which was visible to me on XXXX XXXX, especially since I was trying to make more consistent payments. They refused. 

In XXXX XXXX, while trying to understand and rectify the delinquent XXXX report with Navient, I was advised by a rep to consider forbearance. I agreed and authorized it. I understood that it would begin in XXXX and curtail future negative reporting. Two days ago, in XXXX, I was shocked to see a 120 day delinquent on my credit report. I received no emails as I did in the past from Navient, no calls. Nothing. 

Together, these actions tanked my credit score and ability to purchase a home, which I repeatedly appealed to Navient. They refused to work cooperatively with me, to recognize my efforts. A very different experience from XXXX XXXX. 

At this point, I see no reason to have any further contact with Navient. They have killed my American Dream of home ownership and purchasing a car in less than one year. As a single mom, I face a lot each day and I try my best to pay my bills. I am current on all of my credit cards. Navient however is unscrupulous - they have kicked me twice now. Very hard. And with zero warning. 


after being told this would not occur when I made a payment {$500.00} payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: WI

Complaint narrative:
XXXX times now, I have requested that Discover Card not contact my former home number or my former employer number when trying to reach me regarding my account. I have been told that my account has reflected my " no call '' request but Discover Card is still trying to reach me at these numbers. This has become a harassment issue and violates my rights per the Federal Trade Commission. They are contacting these numbers multiple times per day even though it is clearly stated on my account that I issued a " no call '' request. I have spoken with several customer service members at Discover Card regarding this, all of whom have told me that they can see my approved " no call '' request noted on my account and that they should not be calling. Yet, they still are calling several times every single day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I applied for a home equity loan on XXXX/XXXX/2016 and sent the documents requested by the personal banker ( XXXX XXXX ) on XXXX/XXXX/2016. I did not hear from my processor ( XXXX XXXX ) until XXXX/XXXX/2016 and responded to her requests the same day. The processor does not return phone calls or emails. To add insult to injury, I received a notice in the mail that my application would be cancelled if I did not respond to the requests for documentation ( which I already provided ) by XXXX/XXXX/2016. I received another email from the loan processor on XXXX/XXXX/2016 asking me how I was progressing in providing the documents that she requested, to which I responded that I 'd already provided the documentation, and she has yet to reply to me. I have made several unsuccessful requests to speak with XXXX manager about these concerns and still have no resolution. XXXX lack of organization, customer service, and poor responsiveness have delayed the underwtiting process of my application and caused me unnecessary inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I am XXXX of XXXX equal parties on a mortgage. The mortgage company refuses to list my name on the mortgage statement received monthly as " their system only allows XXXX names to be listed ''. I am functioning as the " primary '' on the loan and make the monthly payments. The post office keeps writing on the envelopes questioning whether they should deliver these documents to my address as I am not listed on the correspondence. I have tried repeatedly, most recently, today XXXX/XXXX/2017, through their customer service department to get this rectified. They refuse to make any attempt to do so, but insist that I write them a letter, which I have done previously. They insist they have never received any of this correspondence. They also refuse to reveal any consumer protection agency to whom I can ask for assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: SC

Complaint narrative:
I paid Global Client Solutions to help me with my debt, they took my money and did n't contact my creditors, I still have the receipt from the XXXX XXXX XXXX from XXXX XXXX, 2008. I am out of pocket {$720.00}. How do I get my money back with interest? 
XXXX XXXX lived in XXXX XXXX at the time of this XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I keep getting debt from collection and account that are not mine and fraudulent.

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