vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Hello this company has for the past 7 years put something on my credit that i tried so hard to show them that is not mine and have encountered nothing from them but lies and and manipulation of the system the 7 years have passed and it was removed off my credit but today i received a notification that they placed it back on my credit file with XXXX in direct violation of the fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I open a discover online saving account on XXXX ,2015 using the code " XXXX '' which will give me {$100.00} bonus within 1 month After I open a new saving account and deposit {$5000.00} before XXXX/XXXX/2015. I 've met all the requirement by XXXX/XXXX/2015 and wait for XXXX fully month but tthe bank customer service just want me wait another 4 week and they are still not sure whether I can get the bonus or not. I have already save the whole website during application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Acquired Assets, Ltd.
State: CA

Complaint narrative:
my credit report have an account close with pending balance of {$630.00} from Allen Asoc. i do n't what is this. was reported as public record and is affecting negatively my fico score.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
i have been a valuable member and have used and paid the card only to receive a XXXX increase in my limit. I think this is ridiculous and i would use the card alot more and pay it off more if the limit was increased. When i opened the account the lady told me that i could probably request a XXXX limit within about 3 months but yet i am at XXXX. My credit report shows i pay all my bills, no matter how many there are, they are paid. I have no collections, i have no past due balances and i am not near my limit on anything

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I know you guys have heard plenty about this but I just wanted to share that Discover has stolen {$450.00} from me since 2011 because of their payment protection service. I never signed up for such service but they have been charging me every month for years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Excella Recovery Group
State: CO

Complaint narrative:
I was contacted by XXXX at XXXX XXXX. At the time I was on the phone, so was unable to take the call. The caller left a voicemail stating " This is XXXX XXXX calling in regards to documentation returned to my office as undeliverable, no signature obtained. To reschedule a delivery or to get details on this matter before any decisions are made without your knowledge, please contact me at XXXX. '' When I called the number back, I asked for the Company " Excella Recovery Group '' and said that I never received a letter stating what this debt is for. I never received the gentlemans name, but he stated he would send another letter and hung up. I tried to call again and ask for the address and another gentleman hung up on me. The XXXX time I called, a woman named XXXX answered stating ERG and when I asked for the address, transferred me to XXXX. XXXX gave me the address of XXXX XXXX XXXX, XXXX, NY XXXX. ( When I searched this address on the internet, it brings up a realty group, XXXX, XXXX, XXXX, XXXX and XXXX ) XXXX stated that I had complained and they had removed my phone number from the system. This seems suspicious to me. I 've paid multiple times on payday loans and I continue to be scammed by companies. I do n't owe any more on these loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: WI

Complaint narrative:
I have two student loans that were purchased years ago from XXXX by Discover Student Loans. Last XXXX, after months of attempting to set up automatic EXTRA payments on my highest interest account each month without spreading the payment between the two loans, I was able to successfully do this over the phone, which the company said was the only way this type of payment setup could be done. I set it up so that in addition to my minimum payment, which drew automatically from my checking account on the first of every month, that on the second of each month, an additional {$260.00} would be drawn from my checking account to pay down principal on my loan that was nearing ( now over ) 9 %. Today, I called to increase that extra payment to {$580.00} on the second of each month, only to discover that the payments I 've been making for the last 10 months in fact were not going solely to my highest interest loan as I 'd been told they would. They have claimed that this will be corrected retroactively in the next 7 days, but that there will be no notification once the change is made, I 'll simply have to check the balance to see whether it has reduced in the high-interest loan and increase in the low-interest loan. I worry this will have an effect on my XXXX document needed for filing my taxes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover had a debt collector calling and writing me. I engaged the services of a credit guy and he had me send a letter asking for legal validation. They sent the attached letter saying the statements copies they sent are validation. But as per the law, it was explained statements do not make up validation as per the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 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: DISCOVER BANK
State: MS

Complaint narrative:
I received a bill from XXXX XXXX XXXX XXXX at law trying to collect {$10000.00} on an account that there was no judgement on I received a letter from Discover where they advised they were not attempting to collect due to the credit card had XXXX insurances after more than 6 years after the fact I have an attorney writing wanting me to settle on a debt that is not owed and is past the statue of limitations for the state of Mississippi to collect on

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK
State: MA

Complaint narrative:
In XXXX XXXX, I lost my job and had to go back to my country for 10 months due to severe family issues. During this period, I was unable to make monthly student loan payments. Consequently, my student loan debts ( XXXX private student loan companies ) went into collections. Every since I came back to the XXXX and got a job in XXXX XXXX, I have been diligently paying off the debts to the collection agencies ( XXXX different agencies ). First, I have been struggling with unreasonable student loan monthly payments ( i.e., approx. {$1500.00} per month which is 50 % of my monthly paycheck ). Since my student loan debts with the collection agencies, I am unclear about the amount of debts that I 've been paying to these collection agencies are actually the precious amount of debts that I owed. Second, my husband and I are planning to apply for a mortgage in the near future and it 's come to our attention that this has been negatively impacting our credit score in a significant way and it would most likely hurt our ability to qualify. I would really like to remove these negative accounts from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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: PA

Complaint narrative:
Discover student loans apparently bought my loans. They have jacked up my interest rates to an unspeakable amount and made my monthly minimum payment unbearable. They are not willing to work with me on lowering the minimum payment and will not allow me to defer. I am a single mother of XXXX, i have been paying since XXXX and did not when graduate until XXXX. They call my cosigner sometimes up to four times a day before even saying to contact me. They speak to third parties about my private loan information and recently automatically withdrew a payment from a third parties account with out my consent. They are absolutely a fraudulent company judging by their history of being probed for student loan happiness and jacking interest rates and minimum payments up. I can no longer afford to make their minimum payment and they are unwilling to work with me. They are shredding my credit score and have me on the verge of bankruptcy.i need help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
My XXXX mortgage payment was missed due to an error by my credit union where the payment was drawn from. Dovenmuehle Mortgage contacted me via written notice. I called Dovenmuehle on XX/XX/XXXX to explain to the the situation and they told me that they will be foreclosing. The loan was 35 days delinquent and they demanded payment. I was able to pull funds from three different sources and sent cashiers checks on XX/XX/XXXX to cover the {$2700.00} XXXX and XXXX Payment that they said was due. On XX/XX/XXXX, Devonmuele sent a real estate photographer to my property presumably to list/foreclose my property. Dovenmuehle did not contact me nor did anyone have my consent to enter my property. Furthermore, Devonmuehl has been paid the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I had several attempts to get information about my account and payments. unfortunately I have n't received any statements and other confirmations. Please consider my complaint as serious as possible to stop the discriminating process of women. I never was in bankruptcy due to discrimination process of employment and rejects to pay the bills I ca n't find or reach any information about my accounts and if I do it all messed up. They prevent me to find any job and apply through internet to any available positions blocking my internet connection that nobody is receiving my application. My keyboard does n't work properly, I have never filed bankruptcy or anybody contacted me I do n't have any paper work to proof that I am in process and I need a lawyer. Since they started to harass me I ca n't do anything even use my computer or buy a new XXXX to protect my privacy and financial stability of loosing all information any place I go for employment it said XXXX I will never find employment at will any other places. My administrator password from my computer is under CIA spy agency. 
I will stop all payments until I will see my statement that money that I pay are not lost. I do not know anything nothing is billed or mailed to me as confirmation of all payments. Please Advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, I requested my free annual credit report. After viewing my credit report, I noticed over XXXX credit/loan inquiries on my account that was not authorized by me. I contacted each company and was told that there was not any account open under my information. I explained that I have a hard inquiry on my credit report and need it removed as soon as possible so that I could apply for a home. I was told that the inquiries would be removed from my credit report. As of XXXX/XXXX/XXXX, none of the inquiries have been removed dating back to XXXX. I had a initial fraud alert placed on my report on XXXX XXXX, so if any credit reports are being pulled with my information, I was to be contacted by the company before any action was taken place. I just want the inquiries to be removed so that my scores and credit is not being impacted any longer. I would like to purchase a house, but until all of the inquires are removed I will not be approved with XXXX inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AmeriCollect
State: TX

Complaint narrative:
Medical bill is over 6 years old and was already paid. Collection company requesting payment for medical bill without disclosing the date of service for medical bill. Appears to be one that was already paid in the past. Need correct date of service and age of this bill to prove they were already paid for three years ago..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc.
State: TX

Complaint narrative:
ORIGINAL DEBTOR XXXX 2 ) ORIGINAL DEBTOR SOLD XXXX. 3 ) TEXAS STATUE OF LIMITATION IS 4YS. DEBT IS OVER LIMITE. 4 ) SOLD TO NAR INC XXXX XXXX XXXX XXXX , XXXX 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 2015-07-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I contacted Discover to pay off the higher balance of my card. The guy told me {$570.00} would pay off the higher rate but I had to pay the same day when my regular payment would be deducted from my bank. I mistakenly used my old checking account ( i forgot to delete it from my discover profile ). i called back & explained. the lady told me she would waive the fee but not until XXXX XXXX because she could n't see the NSF fee ( not real time ). I paid the {$570.00} because the payoff would have been {$560.00} but I wanted to make sure interest would be covered because the rep could n't tell me the exact amount to payoff the higher rate. statement, dated XXXX XXXX, came & showed I owed {$160.00} in interest. I spoke to a rep today and he said the remaining balance on the higher rate was {$44.00}. I paid {$58.00} just to make sure. 
The rep was not very sure of himself or the method ... he could only tell me that the payment posts to the lower rate first then the higher rate. He said that the payment on XXXX/XXXX/15 went to the minimum due for XXXX XXXX and the remaining went to the higher rate but still could n't me a breakdown. 
My complaint is that Discover 's statements do not reflect the breakdown of the payments. The statements are very confusing and I 'm willing to submit a copy of my statement to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I rented the apartment from them. We moved out and we left the apartment clean. They never send me my deposit to me. I want to know why they are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 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: MN

Complaint narrative:
I am eight years out of school, and my private student loans have been bought and sold between companies several times. For the past several years, Discover has owned them. Here 's what 's happening : I am set up for autopay. Occasionally, about every six months, I 'll make a large principal payment, submitted through the mail. 

Every single time Discover has not applied this payment to principal, but used it to suspend my autopayments, using the principal payment as a time-release regular payments. A month goes by, and I notice that my autopay has not gone through, so I call and make them apply it to principal. 
Every time they apologize, every time I ask if they 're going to refund me the interest they 've charged me for that period, and every time they tell me it was an " error '' on their part, so they do n't have to do jack. During my last jaunt with customer service, one of the reps actually tried to placate me with " It only works out to about four cents a day for you. " That they 're stealing from me. 

Initially they tried to tell me it was my fault for not checking the correct box ( apply to principal ) on the slip, or writing it on my check, so I 've started taking pictures of my checks and slips. For a few months they had actually removed the " apply to principal '' box on their mailing slips, but as of last month it was back on. I 've gotten suspicious enough of their shady practices to request an in-detail payment history. Still waiting for it to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: WLCC
State: OK

Complaint narrative:
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I filed a police report locally and with the FTC for Identify theft. I sent all the necessary information to Equifax by registered mail and they are required to block this fraudulent information on my report within 4 business days pursuant to section 605B of the FCRA and it has been 30 days and it is still on my report. My Equifax dropped XXXX points because of this identify theft. Along with the reporting officer we called XXXX and talked to XXXX, operator XXXX and she said to us on the phone and it is recorded in the police report that it is not my debt and she said she would contact Equifax and tell them. Nothing has changed on my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Attempted to pull my free annual credit report from Big XXXX Credit Bureau  on XX/XX/2015
I was able to promptly receiving my copies from XXXX and XXXX but i could not obtain a copy with Equifax. After i  made a phone call to seek help i was told they could not  help me and they  had to Charge me $ XXXX to obtain a copy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is falsely reporting XXXX collection accounts on my credit report. I disputed them all and surprise they come back verified. I try and make contact with the companies, 1. XXXX XXXX - NEVER received a response of validation 2. No company info/No Contact Info - {$1200.00} 3. No Company info/No Contact Info - {$180.00} This is n't even funny anymore. Now equifax is being arrogant now, not even reported contact information. Why should they have to. They could get away with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my Equifax credit report .the credit report showed a credit inquiry by XXXX XXXX that i do not recall authorizing .I understand that XXXX XXXX should n't be allowed to put an inquiry on my file unless i have authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax continues to reinsert previously deleted and false information and I am asking CFPB to make them stop doing this. They have ruined job opportunities and credit opportunities and cost me an increased mortgage interest rate because of this. Currently, they are reporting, in violation of their own policy and federal law a Chapter XXXX bankruptcy that was filed seven years ago in XXXX 2008. 
Additionally they are falsely reporting that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXFinally, they are reporting as XXXX separate inquiries a single authorized inquiry XXXX.

Company response to consumer: Closed with explanation