vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
I was told by the primary party in this matter to submit papers for a Deed in Lieu and obtain a payoff from a XXXX source. Everything was done as asked, all papers submitted along with the payoff information, before the end of XXXX 2014. I initiated contact because I had not heard from the primary company. I have talked to at least XXXX different people each time I 've called who all gave me different information ( additional papers that had not been received and needed to be faxed in ). I was finally told the XXXX week of XXXX, after communicating with the other representatives, that I would need to re-submit all papers again because the ones I submitted had expired. How do they expire when they have them setting who knows because no one seem to know what 's going on. I was even told by XXXX of the representatives that all of the documents had been received, and I asked what I needed to do next or what would happen next. He could only give me the name of the person in charge of the department and told me to call back XXXX to see what might be going on. 
I resubmitted the packet again ( XXXX pages of XXXX ) numbered.After submitting the papers by fax as asked, and calling XXXX days later at their request to confirm that the packet had been received, I was once again told that they did n't receive XXXX of the papers. I numbered each page and the page that they claimed they did not receive was page XXXX of XXXX. I was also told to call the second party again and get a payoff amount and have them fax that to them. After talking to the representative of the XXXX party, she confirmed that she faxed the information to the XXXX party back on XXXX XXXX, 2014 as I had asked her to do via the XXXX party 's request. I seem to keep getting the run around and can never talked to XXXX person who maybe able to keep up with what 's really happening with my account. The representatives of the XXXX party are rude and it seems impossible for me to get this matter taken care of and closed. XXXX. I 'm to my wits end and need some intervention, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Our 2nd mtg was late in XXXX 2006, because this is over 7 years it should be removed from our credit reports. The 2nd mtg was sold several times. The first account with XXXX is the acct that was late in 2006 and then when it was sold back to them it had a new account number but they are deleting the account. See attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have contacted Equifax and XXXX XXXX XXXX to remove an installment account from XXXX from my Equifax credit report. Equifax removed the incorrect item on XXXX XXXX, 2015 however placed the erroneous information back on my credit report XXXX 2015. XXXX did not probe that the debt belonged to me, so it was removed. Equifax told me that they can not remove XXXX because it was disputed before. I am requesting for Equifax to remove XXXX since no evidence has been give to prove the debt is owed by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I applied for mortgage loan with XXXX bank on XXXX XXXX, 2016 and it pulled a credit score from Equifax. The credit score it pulled was XXXX points lower than the FICO credit score pulled from Equifax on XXXX/XXXX/2016 that appears on my XXXX XXXX credit card statement. Neither XXXX or XXXX XXXX can explain the difference. However, the Equifax FICO credit score from XXXX would allow me to qualify for a lower interest rate on my mortgage. I can not reach anyone at Equifax to explain the difference in credit score. I would like an explanation of what credit score from Equifax is being used by XXXX XXXX and why it is different from XXXX. If this is a non-standard model, is the scoring system artificially lowering my score to increase my rate. If that is not the case, why is there not a transparent credit scoring process used in the banking system so that a consumer can predict their mortgage rate by knowing their credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under XXXX ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK
State: HI

Complaint narrative:
In XX/XX/XXXX, I left the USA to XXXX in the pursuit of a XXXX. By mid XXXX I was still jobless, so I was unable to keep up the payments from abroad. Therefore I pursued negotiations directly with Discover to find a hardship program or some payment system that would at least lower the payments. 
End of XXXX, we had reached a deal to work a payment plan that would lower the payment and keep the credit from faltering. Unfortunately, they denied everything that I had negotiated as if it did not happen and I was only bubbling the payments. They rudely cared little for me and did nothing to help, only demanding only payments. By the end of XXXX I tossed my hands in the air. I had to make a decision between food and the payments. Of course, I chose food. 

I swore to myself I would take care of this when I returned. After four fruitful years in XXXX and XXXX studying and working, I returned to the USA this past summer jobless once again. On XX/XX/XXXX I received a letter from XXXX XXXX ( debt collector and possible new owner of the debt that has not been verified ) requesting I accept the current situation or dispute it by XX/XX/XXXX ( 30 Days ). No response will mean I accept the amount of the debt. I will be sending a letter soon to dispute this wrongful situation. 

I hope you are able to assist me and find terms that both parties can agree upon that will allow me to put the debt and emotional frustration behind. 

Kindest regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
I got an email from Discover Card that said my credit line increased to XXXX ( from I beleive XXXX ), but it also stipulated that my account would canceled if I did n't use the card by XXXX 2016 ... just three months from the email date ... because I have n't used the card for a few months and it has a XXXX balance. So they do they something to improve my credit by increasing the limit and then threaten to cancel that credit if I do n't use it. That 's a form of extortion. I saved the email and can send it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WLCC
State: FL

Complaint narrative:
I have signed on to a line of credit, not really knowing the full details, as I so desperately needed the funds, I had already paid an installment loan off in full with this company in the past and went to apply for a new and then was talked into a line of credit ow which I have been paying on religiously every two weeks, I would like to resolve and come up with a settlement amount, as to date I have paid on this particular line of credit just in interest XXXX which I think is beyond too much, I am in a bind right now and had to close my checking account for the ACH being taken out every two weeks, would like to come up with an agreeable amount to pay off so I do not look like I am trying to avoid I am just going broke on these installments, Please advise to a settlement amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK
State: MD

Complaint narrative:
I attempted to consolidate my loans with a single provider to better manage my payments. Without my permission or consent, Discover withheld the loan they service from the consolidation. I am now facing hardship making my payments, and Discover has offered no recourse. I am frustrated that when I tried to consolidate my loan away from them, they took advantage of a loophole to avoid accepting payment from my consolidation loan provider and continue to hold my loan despite my wish to consolidate. Discover did this without my consent, and now I have learned that in order to include this loan in the consolidation, I must reapply for a consolidation and begin the whole process again from the beginning! It 's doubly frustrating because I never chose to do business with Discover in the first place ; they bought my loan from XXXX, and have now bullied me into keeping my loan with them. I do not understand how they were able to withhold my loan from the consolidation and think it is unfair that I have to pay the consequences of their predatory actions. I wish for Discover to cooperate with me in my attempt to consolidate my loan with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: NV

Complaint narrative:
I have sent principal curtailment payments numerous times over the past year to my mortgage company along with letters instructing them to apply the full amount to my principal. They have refused my requests and specific instructions to apply my principal curtailment payments to my loan principal, and have taken it upon themselves to apply my principal curtailment payments towards my regular monthly mortgage payments, against my wishes. I have spoken to them numerous times over the telephone this past year and I have been told that they would correct their mistake, but they never have and they keep doing the same thing every time I send them a principal curtailment payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
This is about the lack of response from Discover card about my complaint number XXXX. On XXXX/XXXX/16, XXXX XXXX XXXX of the executive department of Discover card left a message on my answering machine at XXXX He asked me to call him at XXXX as soon as possible, and gave me his office hours. I called at XXXX XXXX, and discovered XXXX XXXX was unavailable, and that the Voicemail that he shares with XXXX XXXX was full. I called XXXX more times Wednesday before XX/XX/XXXX., and XXXX this morning. I can not contact him. All I want is the promised free XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates
State: GA

Complaint narrative:
I receive calls constantly from this company with a recorded message claiming that complaints against me have been filed in their office. This is evidently an attempt to collect on a zombie debt because all of my current credit is up to date. 

Miller Stark Klein & Associates XXXX XXXX NC 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 2017-01-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK
State: FL

Complaint narrative:
Dear Madam or Sir : My original student loan with Discover was for {$24000.00} - I have been paying since XX/XX/XXXX - paid a total of {$12.00}, XXXX. Principal paid is {$2100.00} and {$10000.00} in INTEREST! 

I have been in deferment for almost XXXX months because I am getting a XXXX XXXX XXXX and I now see that my deferred interest is {$3200.00}. 

My total loan balance in XX/XX/XXXX is {$28000.00}. 

MORE than the original amount after paying for XXXX years. This is what is called XXXX XXXX. I have tried to refinance and to no avail. If there is anything that you can do to help me, I would greatly appreciate it. Please let me know if I need to send in more details. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: DISCOVER BANK
State: NH

Complaint narrative:
I had previously spoken to company about a payment, informed them that I was going to have to make the payment late due to pay cycle. Asked not to contact me. Contacted me next day, first day of late payment, told them to cease comm. supervisor assured me of cease com status and that no more calls would be made. 5 months later started receiving 3 calls daily about late payment. answered on third day. In call supervisor informed me that account was in fact notated to not call. 

Do not know how my acct would show up if account is notated with no call notice. 

No cease comm letter was formally written to company, but no respect to consumers wishes were taken after verbal verification of cease comm either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I filed a previous complaint with CFPB against Discover, complaint # XXXX. 
Discover only addressed part of the complaint on XXXX/XXXX/XXXX and completely ignored the financial compensation request as a result of their admitted negligence, for allowing an invalid fraudulent balance to remain on my account and charge off for years, since XXXX XXXX, XXXX. 
I requested financial compensation totaling {$26000.00} : I lost {$2500.00} as a result of a reduced credit score and loss of lease agreement with XXXX. This forced to use my old vehicle XXXX XXXX XXXX XXXX XXXX as a trade in for a lease on new vehicle instead of selling it privately for {$2500.00} more than the dealer gave me. The reduced credit score caused the dealer to have to re work a deal and i lost the private sale. 
In addition, shortly prior to that, i refinanced my home and this charge off caused my new loan to be increased by at leased {$50.00} a month for 40 years = {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 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:
This debt is not mine and has previously been removed from my XXXX Credit report. This company " North American Recovery '' continues to keep putting this collection account on my credit reports even after they have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report, but XXXX stated it was verified by North American Recovery but both companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting North American Recovery provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am, the responsible party for this debt. When they fail to provide such information, I request this false collection account be IMMEDIATELY DELETED from my credit file until such document can be provided bearing my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: WLCC
State: TN

Complaint narrative:
Threatning a wage assignment. They have not even taken me to court or sued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-31 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: NY

Complaint narrative:
I consolidated my student loans thru Discover and they are charging me 9.950 % interest. I have asked them to refinance but they refuse I am at the point I am going to default on this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
I was trying to get a mortgage loan through Fifth Third Bank with XXXX XXXX. I asked to get a loan estimate, and hesaid he could not issue the loan estimate until he received my application, other documents he sent me, and submitted the application to processing. Once those were submitted, he could mail me a loan estimate within 6 days. Per TRID, he is required to send me an loan estimate within 3 days of receiving my name, income, SSN, property address, estimated property value ( SEV ), and the loan amount sought.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 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: Focus Holding Company
State: SC

Complaint narrative:
I suspended XXXX ... now XXXX service billed at my father 's house untill futher notice/ my authorization to return cable service. XXXX XXXX proceeded to turn on the service without authorization and while no one was living in the residence.. The charge was tranferred to me as the personal representative for his estate. 

I am being negatively impacted by a company called FOCUS RECEIVABLES MGMT LLC. They filed negative and false info affecting my credit score and purchasing power. 

Is ther any thing can do to fight this BOGUS claim?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC
State: NY

Complaint narrative:
Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to me.

Company response to consumer: Closed
Consumer complaint received 2016-09-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: URS Holding, LLC
State: TX

Complaint narrative:
Recently, My vehicle was repossessed by XXXX XXXX. Unfortunately due to my wife 's health issue, I was not able to make the payments. It was around XX/XX/XXXX that I began to receive calls from All-tran Financial of which they described that there was a deficiency balance of $ XXXX+. After speaking to XXXX, and after she had called my references, and had also left me several voice mails ; I told her that I could not make the payments, and that I would need for her to send me any and all invoices to my home address, and to please NOT call me anymore. I explained that due to my wife 's health I could not make any payments, and could not afford to make any type of agreement. After being put on hold for several minutes, I was transferred to a supervisor by the name of XXXX. Once XXXX XXXX got on the line with me he became very irate, raise his voice, and demanded that I give him personal reasons as to why I could not make any payments. I explained that I could not disclose any more personal information and that I had already shared the information with the previous representative. After going back and forth with him ; he refused to accept my explanation, and kept on antagonizing the conversation. Not having the time to speak to XXXX XXXX much more, nor being able to explain further ; I told XXXX XXXX that I could not speak to him and that I would disconnect. I am reporting this incident as I feel that I have been harassed ( as described in section XXXX of the online version of the rules for being harassed with collection calls ). 

I am formally requesting to have an investigation opened as I feel that Alltran Financial is not conducting professional collection practices. 
Thank you.

Company response to consumer: Closed
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
PLANET HOME LENDING IS ATTEMPTING TO FORECLOSURE ON MY PROPERTY XX/XX/XXXX WITH AN ASSIGNMENTS THAT ROBO SIGNED. MY SECURITY DEED WAS RECORD WITH XXXX in XXXX.There is a gap in the chain of title.The assignments were created after the Corporations were dissolved. XXXX, and XXXX both signed as Vice President on the assignment dated XX/XX/XXXX both of them are well known robo signers, and the assignment that is recorded XX/XX/XXXX is also fraudulent with XXXX transferring alleged ownership to Planet Home Lending. Fraud is clearly present in the recording of the ownership.

Company response to consumer: Closed