vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Lamont, Hanley & Associates, Inc.
State: FL

Complaint narrative:
In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to zero. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
For the last several years my loan service provider ( Bayview Home Loans ) for the XXXX has been lying about the fact that the XXXX on our mortgage 'agreed to a $ XXXX buyout ' on the loan if sold or short sale or DIL. All the while denying us an assistance whatsoever over the years saying 'we ca n't do anything but foreclose because your XXXX has not responded to the buyout request ' This is unacceptable, not even mentioning all the other tactics, but this one was the last straw. I found out when she let it slip out on one our our rare phone calls that " all we 've been waiting for is a {$200.00} bill you need to clear up because the XXXX signed off long ago ''. 
When I called her on it, she admitted it but did not stop the many foreclosure attempls on our home, which we fight off with skeleton Chapt. XXXX filings, in hope they will come clean before next sales date, but no, they continue to nothing other than try to sell the house at auctions. What can I do? Where'sre more than 3 years behind on our mortgage because of these and other tactics they have played on us over the years, but to know they lie to just to try to sell our home! No! Over the years they claim to have lost our essential paperwork at least 8 times, continued to put us on a merry-go-round of 'loan reviews ', which only serve to push us deeper into depth over the months of processing and no trial payment periods ... then use the fact that we are now 'too far behind, you now owe more than the guidelines require for help, .. we do n't have to help you ' But, this bold face lying about the XXXX not responding is beyond the normally terrible, anti-home owner service you normally see. 
On top of all this, the home was built 'Defective ' by XXXX XXXX ... and they do n't want to pay for repairs, so a class action lawsuit has been going on for four years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Creditors Bureau Associates
State: FL

Complaint narrative:
I have twice demanded validation from this company and they have responded by sending me a bill claiming that it is past the 30 day validation period. However, I have never received a notice that they were going to attempt to collect nor have they ever sent a letter advising of my right to dispute it. I only found out about it because I saw it on my credit report and sent a dispute letter to them. I have never had an account with this company. I demand to see a contract between them and me or they need to remove their information from my credit report and close their files. I have been disputing this on my own and have never paid any credit repair company or anyone else to dispute this for me. As of today, this incorrect/invalid/inaccurate information is still showing on my credit report and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: NM

Complaint narrative:
Hello ... 
I live in XXXX NM XXXX. 
my parents residing in XXXX sent me a money wire transfer through Western Union. 
I first went to XXXX. 
I was told I needed to have an account. 
I already have a bank account with someone else. 
I do n't need another XXXX. 
I checked on the net and from there went to XXXX. 
XXXX has a cap/limit of {$300.00} ... 
I am expecting at least {$3000.00}. 
I wasted my whole day trying to find a cashing place with no luck. 
I go home and call Western Union. 
an agent assures me that XXXX or XXXX will cash my transfer up to {$9000.00}. 
I call XXXX and told again the cap/limit is {$300.00}. 
I call XXXX and the lady there tells me " her machine '' is broken. 
she can not cash my transfer until it is fixed. 
the " machine '' had been broken for a week, she says ... 
this is a joke. 
we are talking about XXXX. 
a huge international company. 
they charged my parents ( in XXXX ) a huge fee to transfer this money. 
I am going to call back a few places in the morning. 
but I am just afraid I am going to have to travel to XXXX NM. 
if right, I am going to have to take the afternoon train, it is a XXXX miles round trip and will waste my whole day. 
this is just not right. 
what if I were XXXX or something like that? 
what if I did n't have the means to get to XXXX? 
I talked to my bank XXXX and unluckily, is not affiliated with WU. 
I thought WU would be faster. 
my parents are old. 
they wanted to send a international check. 
getting them to do a WU transfer was XXXX. 
well seems the check would have been a better idea. 
this is unacceptable. 
and I can tell you that WU customer service is useless. 
I talked to a manager. 
I told him that XXXX had a {$300.00} limit and the lady at XXXX claimed her machine was broken. 
I said what do I do to cash my money transfer? 
he replied ; you either have to wait until " her machine '' is fixed or file a complaint at the bottom of the WU website. 
that is all he had to say ... 
unbelievable ... 
sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: AK

Complaint narrative:
I got a new cell phone XX/XX/XXXX, and contacted Cash America that weekend. Someone called me on my new number the following monday saying they were Cash America. They had all my info amd i was convinced it was legitimate. I paid over the phone to speed up the small claims case dismisal, and it was never dropped. I was later fined XXXX which came out of my XXXX check. No one had my cell but the court process server, and Cash America. No system was hacked or anything like people make excuses for them. Cash America is a scam company. 
i also recently received a threatening letter from a XXXX law firm demanding XXXX payment or the would try to sue me XXXX FOR THE SAME LOAN FROM CASH AMERICA XX/XX/XXXX. CASH AMERICA EXISTS TO RIP OFF PEOPLE AND THEY NEED TO BE STOPPED. 
ONCE THEY GET YOUR INFORMATION THEY WILL BLEED YOU DRY

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 2015-12-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
I spoke to an account representative about an interest rate reduction. They offered me 16.24 % APR which I specifically asked if it was the best rate they had. They said yes. I manage my finances online using a number of bank aggregators who actively look for the best deals in banking, credit cards and loans. The advertised rate was significantly lower than the one I was given ( 10.99 % ). When I called to try and resolve this issue with them, they were dismissive and were not even open to the idea that mistakes can happen on their end. My credit has been above XXXX for the better part of a year, no significant debts or credit inquiries. If I do not qualify for prime I 'm not sure who would.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am very upset with Discover as both myself and my family have been harassed by this company. My bill for this month was due on XXXX XXXX, but I did not get paid until today, XXXX XXXX, so I was going to be late on my payment and have to pay a late fee. This is an understandable situation considering I am in the process of moving so I did not have my usual extra savings to cover the bill. Unlike other banks who respect their customers and would wait a considerable amount of time to start repeatedly calling to collect the money, Discover Card was blowing up my phone non-stop with multiple calls from them daily within the first week of my payment being past due. Although that is upsetting, that is not my ultimate concern. My privacy has been violated by Discover cards and their employees because I received multiple calls from my mother ( who does not live with me, who I do not have listed on my Discover card as an authorized user, and who 's phone number I have never disclosed to Discover card ) telling me Discover was also harassing her, calling my parent 's house multiple times a day impeding my fathers business calls in order to try and receive money for this payment, that at this point was n't even XXXX weeks late. Does that seem a little ridiculous to any one else? Because I am completely appalled at the fact that they somehow found my mothers number, and without my consent, called her to receive money that she does not owe. There should have been absolutely none of my information disclosed to someone who is not on my account. Even if they somehow obtained my parents personal number, there is no reason that when my mother answered the phone, again someone who is not listed as an authorized user on my account, that she should have even been told that my account had been over drafted and had not been paid for that month. Then my XXXX mother who has enough financial issues of her own felt obligated to pay this past due amount ( payment made on XXXX XXXX, 2015 ) to avoid being continuously called and harassed by the Discover company. Overall, I am very displeased and angered by this occurrence and I would definitely not recommend Discover to anyone. My privacy has been violated by this company, and both my parents and myself have been continuously harassed after a bill that was due less than XXXX weeks ago. I am going to be canceling my card once it is paid off and sticking with my primary bank XXXX. I am looking for a resolution to this unfortunate situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: KS

Complaint narrative:
Discover refuses to apply my payments above the minimum payment to the balance with the higher interest rate first. I have asked over the phone and through the online message center. The response I keep getting is " the company can apply it the way they want. '' Their agreement says : We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits as required by applicable law. Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. According to the Fair Credit Billing Act of XX/XX/XXXX, they must apply the additional to the higher APR. I do not understand how they can get away with this. Especially if I requested it. The split occurred with the balances XX/XX/XXXX. The balance with the higher rate was at {$1200.00}. I can not add to that balance ; all new charges go with the other APR. The balance on that portion is now {$1400.00}. I was late one time in XX/XX/XXXX which was forgiven. After that, I was never late, there were only 2 times that I paid the minimum, and I tried to pay above the minimum ( even if it was only a few dollars ). There were a few times when the balanced decreased, then it would go back up. That is one of the reasons I did n't notice until I pulled out all of the bills. I did n't notice the issue because, the total balance on the card was decreasing and I assumed they did as the law required. I only recently started writing down everything, only to notice the balance on the higher rate has actually increased since XX/XX/XXXX. Do I have any recourse? Also, it is very hard to tell how any of the credit card companies apply the payments on multiple balances on the same card. I think all credit card companies should be required to provide a breakdown of how they applied your payment on your billing statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
I would like CFPB to continue pursuing my existing case ( Case # XXXX ) with Discover. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: NM

Complaint narrative:
In XX/XX/XXXX Discover Card called my number several times claiming to alert me to identity theft. I also received a letter dated XX/XX/2016 stating that Federal Law requires them to verify and record all information that identifies each person who applies for credit. I did not apply for credit from Discover Card. Their letter required me to call their Fraud Department and suggested I notify the XXXX credit agencies. 

I called and asked for a copy of the application and I was told I had to " prove '' who I was by sending certain documents, including a police report of identity theft. All these I did. I also sent a letter dated XX/XX/2016. Still I did not receive the copy. I began calling asking for the report. I was told that it was " in archives ''. I asked why it would be in archives if we were currently working on it. I was told it would only take anywhere from 24 hours to two weeks to bring the document out of archives and send it to me. I called in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and talked to various individuals, all of whom told me the document was in archives and they would bring it out and send me a copy. 

On XX/XX/2016 I spoke with a supervisor, XXXX XXXX who once again told me the application was " in archives ''. I asked how that could be since I had been calling for two months. He said he would take care of it. But no. I called on XX/XX/XXXX, and was told one day. I call on XX/XX/XXXX, XX/XX/XXXX and talked to XXXX in Utah, XX/XX/XXXX talked to XXXX and finally was transferred to the " security department '' where I talked to XXXX, and was told that they " never received the documents. '' This makes me very concerned. Discover Card initiated the call and the letter and the fraud alert. Yet, its representatives have consistently given me the proverbial " run around. '' I believe that someone within the organization is perpetrating this scam, but I doubt that I will ever get to the bottom of this. 
I do not believe that in the entire nation I am the only person who has encountered this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I used my personal checking account to make a XXXX time payment to Discover on behalf of my son. Some months later Discover used my account information, which they saved, without my permission to debit my checking account with an e payment for my son 's account without my authorization. When contacted Disover stated they could not remove my account information until the charge was disputed and declined by my bank. Is it legal for Discover to store my information without my permission and refuse to remove it at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
I lost my job and have been in financial ruin every since. My bank advised that Im eligible for a Short Sale option. I submitted my loss mitigation packet XX/XX/2015 and have experienced nothing but delays, lack of communication, mistakes and hassel with this bank. My intention is to avoid forclosure, but this bank and the behavior of its staff will almost guarantee the loss of my home because of staff incompetence, mistakes, and all around negligence. I want someone to investigate the shady practices of this bank/servicer and get to the bottom of my concern. This company is a sham.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NY

Complaint narrative:
This company has been asked before not to call my work, as it could result in me losing my job. Today by XXXX they called 6 times. The caller also revealed details of the debt to the receptionist that answered the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Global Asset Management Group, Inc.
State: NM

Complaint narrative:
they say I owe XXXX dollars from XXXX which I know they are lying because back then I woul have paid it so that tells me they are try ing to scam me. 
the name of collector is XXXX XXXX persons name is XXXX XXXX XXXX phone XXXX I think statute of limitations expired anyway I think they just got my info from another credit card the address they have listed did n't exist In 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
Consumer complaint received 2016-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I had a loan with Dovenmuehle Mortgage from XX/XX/XXXX to XX/XX/XXXX. The issues started when they took over from the first mortgage company ( I guess that is common to be bought out by another early on ). They told me to use the same coupon book that my payments would be forwarded on.. So I did so.. They notated that I was late almost every month bc of the mail time it took for the payment to be rerouted. I tried to do bi weekly payments via wire to get this corrected but they did not accept that form of payment ( of course not then how could they charge late fees ) ... so I tried to do online payments.. that worked for a little bit until they turned that feature off.. so I could no longer do online so I had to go back to mailing in payments ... towards the end of my loan.. they would say.. we never received your payment.. then all of a sudden it would show up.. or I would send a payment and they would return it and not apply it to my loan. I would message them all the time on their own website asking for assistance to get this resolved and no one responded or when they did it was weeks to a month later ... Horrible customer service. They took no ownership in their errors or lack of response to their website issues. I can now not get approved to buy a new home and am stuck with this on my credit due to their lack of customer service. Also I closed on XX/XX/XXXX and as of XX/XX/XXXX they are reporting me late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/2016 I purchased XXXX items from XXXX worth {$47.00}. There were few major issues:1 ) XXXX does n't have an order summary screen which shows at what address it is going to ship the items.So the order got shipped to wrong/old address. 2 ) I need to make numerous calls and send emails to get it fixed and spent close to 3.4 to 4 hours but still I did n't got my order and finally got the refund in the form of XXXX bucks. 3 ) XXXX send the entire XXXX digit credit card number rather than customer 's first name and last name. this is major security breach as they are exposing the entire PII data which can be really dangenerous. 4 ) when i told this to XXXX and law enforcement agencies about this data breach issue - XXXX retaliated and closed my account 5 ) As and when any refunds used to happen - XXXX used to refund the money not in discover card but as groupon bucks. XXXX abruptly closed my account and all my XXXX bucks ( which is real money ) is also gone. When i wrote this to XXXX they have n't responded. 6 ) Also reached out to Discover regarding the dispute and they are simply passing the blame to XXXX and doing nothing. Moreover Discover is not going to do something serious against their preferred partner ( XXXX ) for the credit card number breach,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
my daughter viva reieved an application for credit card from DISCOVER XXXX with all kinds of bonus credits free XXXX score Apple payback never responsible for any unauthorized purchaces 2 % cash back cash back for good grades ( most predatory of all ) 0 % APR on purchases for first 6 month 13.24 % -22.24 % interest no annual fee cash back match first year offer ( whatever the heck that is ) call their XXXX number under XXXX can only apply on XXXX to get off list if she does n't give permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
DISCOVER BANK MADE A HARD INQUIRE ON MY CREDIT TEPORT WITHOUT MY CONSENT I HAVE NEVER TRYED TO GET ANYTHING FROM DISCOVER

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing specifics on my credit report for months now and they keeps sending the same generic letters back - As a consumer I am entitled to proof of how the specific account was verified and who was spoken to and the documents sent to me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a letter from XXXX XXXX XXXX with the control number, which is : XXXX that request Equifax to remove this information off my profile and they refuse to do so. It 's been over 60 days fighting with Equifax and I 'm trying to buy a house. Please have them to remove ASAP! I have attached the supporting document for your review.

Company response to consumer: Closed with explanation