vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: AZ

Complaint narrative:
Universal Acceptance is inaccurately reporting derogatory information on my credit report and failed to respond to validation and accounting request. 
On XX/XX/XXXX, I requested written validation of an alleged debt that Universal Acceptance claim I owe, but to no avail did they validate the date or even respond. I would like to request your help with a problem that I am having with Universal Acceptance. On XXXX/XXXX/2015 I requested a validation of debt from Universal Acceptance after disputing the illegit account with credit bureau and Universal Acceptance refused to remove the inaccurate information. The request was signed received by XXXX XXXX. I have yet to receive a response - their silence is their agreement to the facts. Universal Acceptance failed to provide me with a legal validation of this account under the rules of evidence and the FDCPA within 30 days 809. Validation of debts. I am demanding that Universal Acceptance delete this account from all credit reporting agencies, because they have not abided by the laws of the Federal Trade Commission. Also, Universal Acceptance failed to notify me about reporting derogatory info. In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CA

Complaint narrative:
My family is currently experiencing financial hardship and we are working very hard to keep up with current bills, past due bills, etc. Discover Financial has recently contacted my past employer and I feel that this is highly inappropriate. - This happened a few years ago, when it was n't even an actual debt, more like a misunderstanding with a loan I had paid off, and now that I 'm having actual financial difficulties, they are trying to reach me by contacting people I have n't worked with or seen in years. I would like to file a complaint about this debt collection practice. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 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 a cosigner to my daughters loans and she is unable to pay at this time. I am unable to pay current payments because they are too high. I have tried talking to the Lender and they are unwilling to do anything to make repayment possible. They are unwilling to reduse interest or extend loan term. They say there is nothing they can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I 've defaulted on my Discover card payments due to being out of work. I have spoken to the creditor several times and advised them I will call to arrange payment as soon as I am back to work. 

At XXXX they called every XXXX days, which is fine. They began calling me XXXX times back to back, hanging up after XXXX or XXXX rings and then immediately calling back. This has happened XXXX times. This morning I was going to answer and they kept hanging up on me before I could. 

This directly violates FDCPA call frequency regulations, and the hangups are harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover Financial Services, through its Discover Card credit card, is taking consumers that carry a revolving debt to the cleaners. When a consumer is granted a lower interest rate, that rate does not apply to the current balance but only to future balances. Then to further insure that they continue to pick the pockets of the consumer in the form of interest charges, future payments made by the consumers are applied to the newest debt at the lower interest rate first. This allows the old debt to continue accruing interest charges at the higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discover credit card site shows incorrect amount, instead of {$79.00}, it shows {$130.00} and it I try to make payments, it shows {$130.00}, which is incorrect Last Statement Balance {$0.00} Payments and Credits - {$120.00} Transactions + {$200.00} Current Balance = {$130.00} Next Statement Closing Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/2016 I received a call from Discover stating they were calling because someone was attempting to use card, I then informed them it was not us. I was under impression that they would not allow transactions to go through. Well XX/XX/XXXX I receive an outrageous bill, they allowed the transactions to go through. I filed dispute end result was that signatures match so they determined it was n't fraud. It is in fact fraud, I asked them to show me footage of security camera and that I had told them not to allow transactions because we were both at work, not out shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover closed my credit card account for inactivity. I had used it in XXXX XXXX for a cash advance. They closed my acct. in XXXX XXXX. Previously the card was inactive from XXXX XXXX until XXXX XXXX and it did n't get closed during all that time!! Makes no sense. It 's embarrassing, affects my credit score and is inconvenient for me. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am requesting with this written notice that the following inaccurate XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX item be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
Discover Card ( Has denied Receiving Credit Card Payments so they can raise zero Percent interest Rates ) and ( Never Mails billing statements on time so they can raise zero percent interest Rates ) Discover Card has frequently forgot to mail my Statements. The Statements never were mailed. As a result they Dropped my zero Percent interest Rate and Raised it several Times.. 
The Discover Card Company also denied they Received my billing Payments so they could raise 0 % interest rate. It is unusually that all other Credit Card Companies received my Payments but Discover Card has a higher Rate of Lost Mail ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am unable to log in to the Discover website : XXXX. I attempt to reset my password ; but, it tells me that XXXX of my security information questions is incorrect ; which it is not ( the model of my first car ). The website is the one that is wrong. I was being told, it was information pulled from public records. Then, the public records are wrong. I know very well what my first car was. The site will not let me sign in with another e-mail address. This needs fixed and yesterday!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I originated a Discover personal loan at {$4500.00} 6 or 7 months ago have made XXXX payments = $ XXXX on time never late and show owing $ XXXX bottom line is the interest being charged is shady. In review of statments some payments the bank took {$20.00} and applied to principal and the remaining {$95.00} is applied in interest? The on other statements its more evenly distributed. Is this fair? The bank can chose to randomly change the amount of principal and intrest applied from payment? Had i known it wasnt going to be an even and fair disribution of my payment i would of never took out this loan. There is no where to view the actual $ amount charged in interest on the loan. The bank only shows how much of the payment they applied to interest not how much was charged. Its shady and DISCOVER PERSONAL LOANS should be held accountable. I feel like ive paid an accessive amount of interest for only having originated this {$4500.00} loan 6 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Walter Lee & Associates, LLC
State: MA

Complaint narrative:
i been receiving a phone call from a walter lee and Associates LLc. i finally answered to the call. A XXXX XXXX claimed to work for the company. and that i owed money to XXXX the amount of {$240.00}. if i wanted to pay the full amount or do a payment pan of {$120.00}. They already had all my information including ssn, address and etc. All they needed was my bank information to make plans. i gave them the information. thinking i was fixing my credit. when i called to follow up the call went straight to voicemail

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
My husband and I applied for a modification on our home from our lender. The lender had already scheduled a foreclosure sale date on our property ; however, we were told by several customer service representative including our accounts manager that once we submitted the application for modification in its entirety that the sale date on our home would be postponed until a final decision was made. The sale date on our home is scheduled for tomorrow, XX/XX/2017. Our application was submitted on XX/XX/2017, I called every day for almost two weeks to ensure that our application was received and that they had everything needed to move forward with the modification review. Once confirmation of the receipt of our application was provided I inquired again to my account manager and several customer representative that the foreclosure sale date would we postponed until a final decision was made on our application. However, after not hearing from our lender I contacted the XXXX County Clerk of Courts on Friday, XX/XX/2017, to verify that the foreclosure sale had been postponed and I was told that it had not been. I contacted our lender on the same day ( Friday, XX/XX/2017 ) to find out why the sale date had not been postponed and I was told that our lender had denied our modification on Tuesday, XX/XX/2017, because " they determined that we did not have enough of a deposit to put down '' ; and that because the application had been denied they would be moving forward with the foreclosure sale on XX/XX/2017. When I asked why the foreclosure sale date had not been postponed as I was told that it would be, I was then told, " the sale date would only be postponed if the modification application had been approved '', this is not what my husband and I had been told previously. I asked our account manager why they had not contacted us sooner to notify us that our application had been denied since our foreclosure sale date was only two ( 2 ) business days away to see if we had a larger down payment to move forward with the modification, he did not have a response. I asked our account manager to ask how much they needed for us to put down as a deposit, he said that he would submit the request ; however, when I called him today, XX/XX/2017, I was told that they were choosing to move forward with the sale date. Now my family and I have no where to go as the foreclosure sale date is schedule for tomorrow, XX/XX/2017, and because we were told at the last minute that the sale date was not postponed we do not have time to seek other legal recourse. My husband and I were mislead regarding this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
The company calls 4-5 times a day and leaves messages on my personal phone and work phone. When I call back, they do n't answer and have me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at ACE Cash Express. 

I have prepared a request for debt validation to be mailed to XXXX XXXX XXXX on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX. 

Furthermore, the debt collector sent the email from XXXX account ; yet the email states the communication is from someone named XXXX XXXX. 

I am concerned that this correspondence is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Guidiville Indian Rancheria
State: KY

Complaint narrative:
Didnt apply for the internet payday loan from Multi Loan Source and its on my credit report and i can not get off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
in 2012 I entered into a " settlement note '' whereby I would pay {$100.00} a month for 100 months in exchange they would release me from my personal liability for a mortgage that was in foreclosure. We signed all the papers and I began making my payments. After a few months I began to inquire about the release document and was told that it was forthcoming. after that I was told I would have to get it from XXXX. Than I was told to get it from fannie mae all along I continued to make my payments timely. After a few years I was informed that the lender pursuing the foreclosure was going to pursue a judgment against me personally as part of the foreclosure. My lawyer explained that I had been released already and they said not to there knowledge. I than called again and after alomost four years was told that there was a mistake and they were refunding to me my payments. I explained that they had to leave up to their side of the bargain and they said no. It was n't their problem.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
This debt collector, XXXX previously calls Progresso Fiananciero, calls 5 or more times a day from different numbers. When I have answered and explained my situation they always force me to make a promise payment, and when obviously it is n't kept they note it as a broken promise and pretty much throw it in your face and against you. I 've expressed my apology to failure keeping my loan on track when i understand i commited myself to it, yet they will tell me. " Well you compromised to the loan and your are not complying '' Recently they contacted multiple times my references who i was told were only for reference purposes. They are fustrated with me already. I am facing a nerve breaking point full of stress and i cant do it anymore. Help im tired of their harrassment asking every time why haveny i paid. I explained my grandmother passed away, my mother due to that faced health complications. During this time i faced a cut of hours at my job. To top things we had to leave our home because it did n't comply with city safety regulation. I turned homeless for a short period and they dont seem to understand that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
On XXXX XXXX, 2015, I spoke with XXXX at Rushmore and confirmed all documents were received and sent to be reviewed. XXXX XXXX called the homeowner to ask for social security benefits documents and it was faxed over XXXX times. After confirming that the documents were received, Rushmore foreclosed on XXXX XXXX who is XXXX years old. XXXX XXXX has no where to go and the abuse that 's going on against the elderly must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc.
State: LA

Complaint narrative:
Regarding XXXX CS Number XXXX Previously, I contacted XXXX to verify the return of the company 's equipment. 
I am disputing the total amount of {$330.00} debt or any portion requested by First National Collection Bureau , Inc., XXXX XXXX XXXX, XXXX, XXXX XXXX and contact number XXXX. I returned all equipment on XXXX XXXX, 2015, to a XXXX Installation Technician. The Technician was installing cable network for my niece XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. The Technician informed me that he would turn in the equipment promptly. Therefore, I trusted the Technician ethical and moral since XXXX hirer responsible employees for providing excellent customer service. 
Therefore, I should n't be charged or harassed for funds on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: HI

Complaint narrative:
Please refer to original complaint # XXXX. I am attaching more documentation for your records

Company response to consumer: Closed with explanation