vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: MI

Complaint narrative:
I purchased a bike with my Discover Card in XX/XX/2017 for about {$530.00}. I was encouraged to use my Discover Card because they have a program offering insurance for products that are damaged, stolen, or destroyed at any point within a few months of the purchase. 

My bike was stolen in mid-XX/XX/XXXX, just over two months later -- my house was broken into and two bikes were stolen. I filed a police report. I do not have renters insurance because I could not afford it where I lived. Discover Card told me that they were rejecting my insurance claim because the policy does not cover " used goods. '' I purchased the bike used, but it is fairly easy to assess the value of the bike, because both used and new bikes are well-understood consumer goods in an extraordinarily competitive market that has been around for about 130 years. 

The bike would have cost $ 2000-3000 new, and I didn't think it was a huge steal at {$500.00}, but I also didn't think it was, by any means, expensive. I cited as examples of the value the fact that a new groupset ( drivetrain, brakes, and shifters ) of that caliber would cost way more than what I paid for the bike, and, plus other components, it ended up being a good deal. 

The insurance policy was not outlined clearly in Discover 's terms, and they had a third-party insurance provider, XXXX, which was VERY difficult to work with. THEIR underwriter, in turn, XXXX, opened a case to look into it but never followed up and I was unable to reach them after that. I appealed the initial denial to both Discover and directly to XXXX and no one ever got back to me except to say that my claim was unequivocally denied because the goods were used. Beyond the fact that these are stupid terms in the first place, I'm unclear on why the denial happened. 

I'm not a high-income individual. I use a bike to get around because my car was totaled in an accident and because insurance in XXXX is outrageously expensive, I couldn't afford collision, so now I take the bus. I am trying to pull myself up by my bootstraps, like XXXX XXXX and them say I should, but this is the sort of predatory and dishonest practice that you guys should be going after. 

Thanks for taking the time to consider my dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
>On XX/XX/XXXX, I received a mortgage from Beneficial HFC for a term of 15 years. 
On XX/XX/XXXX my husband and I received another mortgage from same company term of 5 years. The XX/XX/XXXX mortgage has been paid off. A few years after my husband passed away I started having problems making my payments at which time several problems arose. I did get help after a lot of confusion between me and them by them deferring my mortgage interest and restarting my payments. I had problems after that with different things they would charge me for and not being able to explain what the charges were for but I had to pay. Time after time they would charge me for homeowners insurance when I already had insurance. It was a nightmare. My payment amounts were changing, interest rates changed, principal balance was much higher than it should have been. Finally in hopes to stop confusion I agreed to a loan modification. The loan modification was dated XX/XX/XXXX. My hopes were shattered. I still had trouble with them applying my payments correctly and had my escrow balance wrong. Escrows for taxes and insurance started with modification. Six months after the loan modification my mortgage started being serviced by XXXX XXXX XXXX. In XX/XX/XXXX the mortgage servicer changed again to XXXX XXXX XXXX. Starting with the first Payment to XXXX they sent a statement showing I was a month past due. I was not past due and have tried several times to show them where the problem occurred but they ignore it. They have shown me past due several different months. I have proof of all payment since modification. Every month since the loan modification I have gotten in addition to my statement letters with subjects of Servicemembers Civil Relief Act, Home ownership counseling, and Loss litigation hardship assistance, and Notice of intent to foreclose. I wasn't behind on my payments. 

When I gathered information from the statements etc I had from mortgage companies, I found several XXXX with loan numbers I wasn't familiar with and could find nothing on I requested that they identify the loan numbers that were on them. They ignored request. I had thought maybe some payments were posted wrong. I have had different loan numbers I didn't understand associated with the XX/XX/XXXX mortgage. 

I mailed by certified mail a letter explaining my concerns and wants plus 15 different documents to all three mortgage companies showing problems and proof of my payments. Much to my disappointment nothing changed. 

I need help. I am a widow on social security and I need peace of mind I can finish help paying off my mortgage without having to pay much more than I should have to pay. I need a solution to this problem. I have lived every month with excessive XXXX and XXXX because a mortgage company refuses to correctly reconcile this problem. 
My effort to reconcile problem wasn't accomplished. No

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
Received phone a phone call last week from Trans World Incorporated regarding a debt.  Informed them at that time that I was on medical leave with no income, would make a payment when able.  Received a phone call XXXX  from trans world on line XXXX  at XXXX and was hung up on.  Returned the phone call to that number and discussed again that a payment would be made in 5 weeks.XXXX XXXX receive an autodial call from XXXX, am identified and disconnected.  Return the phone call, am identified and disconnected.  Return the phone call, am identified and explain again that I have a XXXX account balance and am unable to pay until 5 week from today’s date.   The representative pressed for a payment today still and I again explained that I have a negative checking account balance and am unable to make a payment today.  I did offer to send blood.  I then asked the representative if they were allowed to “continue making harassing phone calls every 23 hours” and she informed me that she was allowed to call me every day to collect on a debt.  I asked her if she was familiar with FTC regulations and she informed me that “You and not the only person I call, Transworld is a big company with 1000’s of clients, I know what I’m doing”.  I told her she was ignorant, she asked me to stop using profanity, I explained that the word ignorant is not a profane word.  I asked her to identify the company she was calling on behalf of, she refused and transferred me to a team leader.  I spoke with the lead and asked her if it was legal for her company to call me every 24 hours if we had made contact.  She said it was not. I asked the lead if it was legal for the previous representative to use a threatening tone when demanding payment that day and she said it was not.I again informed her that I would make a payment in 5 weeks.  I was not offered a post dated payment option.  I was not offered a payment plan.   I was only offered / demanded payment in full today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I called customer service back in XX/XX/XXXX when I got an email about an upcoming annual fee. I told the representative to cancel my credit card, I wasn't interested in paying the fee. The representative said the fee was for a secured credit card but since my credit card was no longer secure I would not be charged an annual fee. The next month the annual fee appeared on my statement and I called to cancel the card, the representative said they would cancel and that was it. I checked a few days later and was still able to access my account online so I called a third time to cancel my account, the representative said they would. Today I received an email telling me I missed my monthly payment so apparently my calls to close the account have been ignored. I have no balance, the only charge on this credit card is the annual fee and I called several times to cancel the card to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: FL

Complaint narrative:
Ever since my aunt tragically passed away, this company + number began calling me ( sometimes multiple times per day ). Amazingly fraudulent and annoying. I ( with a perfect - and frozen - credit report, which I very closely monitor ) owe no debts anywhere, but these calls keep coming ; presumably attempting to somehow extract money from me using my aunt as a connection ... it's a shame that other folks who are less sophisticated / fearful might actually fall for this. Shocking that there is no way to block ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Spoke to two different representatives from XXXX XXXX XXXX XX/XX/2018 as well as XX/XX/2018 about financial hardship due to medical issues which does not allow me to work or make payments to the alleged account. They asked what my medical issue was which is an invasion of my privacy. Per the policy on their website, " We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. '' I read their policy to them with exact verbiage and offered to send in documentation if needed and they refused to accept those and offered to place the alleged account on hold. However, that is not their clearly stated policy and the representatives were rather nonchalant to the policy they clearly uphold on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TD bank of a fraudulent account established with his information without his consent. His information was used to forge a check ( or several checks ) for a total of {$1000.00} dollars. A formal dispute of this account ( s ) was faxed to TD Bank XX/XX/2018 however as of this date TD Bank has failed to reply with an outcome of the investigation of fraud ; which is a violation of the FCRA and my clients federal consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have sent multiple disputes letters via certified mail asking for validation of debt. I know my rights and the law for consumers and a statement of charges and/or a balance due on a letter head is not sufficient validation of debt. Please provided validation or delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not require for my credit report to be locked. It is the responsibility of Experian to validate this debt based on original documention that you are required to keep on file per Federal Law to present to the alleged debtor ( s ) upon request. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is the consumers and is correct. In the results of your first investigation, Experian stated in writing that you verified that items XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX are being reported correctly. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA. I have given copies of my ss card, state ID and the name and acct nbr several times to Experian which is continuing to break the very federal law that was implemented by Congress for this very predatory business practice! Now additional information is being requested from me while the responsibility of the Credit Bureau to validate this debt ( s ) BEFORE unlawfully reporting it by Federal Law is being ignored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crescent City Credit Recovery, Inc.
State: LA

Complaint narrative:
Crescent City Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Collections U.S.A., L.L.C.
State: PA

Complaint narrative:
Credit Collection USA is attempting to collect a debt in the amount of {$240.00} for services rendered by a podiatrist I had visited a few years ago. When I asked them for validation of the debt, I did not receive it. I asked them to then cease calling to collect the debt until they had sent a validation letter to my home address. They continued to call. I had blocked their number and was continuing on with my life until I received a call from my brother, who had begun getting collection calls for this bill in my name. We do not have similar first names or even the same last name and we do not live in the same area. This also happened with another account on my credit report, which I will also be disputing today. I never authorized anyone to speak with my brother, and he was told my name, my address, the debt and the reason for the debt. Because this is medical debt, I did not think that was allowed. I do not even allow doctors offices to provide my wife with information, let alone my brother who I barely speak with. He called me, angrily, to see if I had used his name for some reason, and if I was expecting him to pay the bill. It seems illegal for them to be contacting people this way!

Company response to consumer: Untimely response
Consumer complaint received 2018-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I made a large payment of {$49000.00} in XX/XX/XXXXwhich Discover applied incorrectly to my account. Suddenly in XXXX I started getting bills saying {$0.00} due next payment due in XX/XX/XXXX. Then this year I get bill saying that my payment of {$320.00} is due. I contacted Discover and asked for a full review of my account and why I now m owe {$320.00} a month. Discover sent me an amortization of w.hat I owe them. I called again and they said they would look into it and call me back, no call. I finally got a supervisor who told me that my account had a problem due to a system upgrade that triggered the new payment. I was also told a team was working on my account and would get me definite answers. 
I received a letter this week saying info was posted online for me to see, nothing there but an incorrect bill. Additionally, both my son and I are receiving phone calls and threats to turn us over to Credit Bureau as delinquent. This saga has now been going on for five months, and I still cant get the info on how my payment was applied, how much I have left to pay ( number has changed at least three times ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Shermeta Law Group, PLLC
State: OH

Complaint narrative:
On XX/XX/2018 i recived a summons to court for a credit card by shermeta law group for a credit card debt in the amount of {$2100.00} for a credit card debt i know nothing about i feel if i owe thus debt id like to know what its for and how it got to the amount they are sueing for it says the plantiff is XXXX XXXXXXXX XXXX i have hired a attorney to file an answer so they don't get a default judgment i would like to see a contract that i signed they did attach a generic copy of terms and conditions that i could print off my self from XXXX XXXX website. and i would like to see transactions that were made from the start of the debt to the end to validate this debt belongs to me and the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have sent multiple disputes letters via certified mail asking for validation of debt. I know my rights and the law for consumers and a statement of charges and/or a balance due on a letter head is not sufficient validation of debt. Please provided validation or delete asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: AK

Complaint narrative:
On XX/XX/18, I received a notice that a collection was put onto my XXXX Credit report by XXXX XXXX XXXX for 2 accounts ( {$5400.00} and {$2300.00} ). The amount and accounts appear to be from a student loan that is currently being paid on time and is in good standing with XXXX, XXXX. I did not receive notification that my account was in collections or was owed to anyone other than XXXX, XXXX. I called XXXX, XXXX and they verified that the account was in good standing and did not know why XXXX XXXX XXXX was reporting it to the credit bureau. I have *NEVER* received any communication whatsoever from XXXX XXXX XXXX XXXX and now my credit score has gone down because of them. I submitted a dispute with XXXX and am waiting on the results. Attached is my latest statement, showing that it is paid on time and my monthly {$75.00} payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX : XXXX The credit reporting agencies are reporting the fraudulent schools studen loan on my credit report as verified, when in essence the school was fraudulent and could not have been verified. The school was sued and closed down in the state of California because of their fraudulent activities. Students from XX/XX/XXXX-XX/XX/XXXX student loans were suppose to have been forgiven. 

Equifax, XXXX  and XXXX will not remove from my credit report. 

They are reporting 2 separate loans by US Dept of Education incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My identity was stolen as a result of the XXXX data breach of XXXX.  I was able to freeze my credit with XXXX as I assume they have simplified the process due to their negligence, however, I also need to freeze my credit with Experian.  I will not pay any fees associated with this request nor engage in any cumbersome process.  If Experian wishes to bill someone for the service they should bill XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
Iberia has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I've talked to the Department of Education for many months trying to get this rectified. They are reporting a past due balance incorrectly. There is no balance and it continues to say " I was late '' account number ending XXXX & XXXX. They both say past due balance from XXXX and XXXX just reported it XXXX. I've also talked to Nelnet and they informed me they will get it fixed and nothing has happened.

Company response to consumer: Closed with explanation