vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: MN

Complaint narrative:
Have yet to receive a mortgage statement from our servicer Dovenmuehle. We received our very first statement when we purchased our home, and have paid. Since that first statement we have not received one, I have called a few times and have been told that it was mailed, twice now, I have yet to receive the mailed statement. I do not wish to be late on our payments. The reason we do not pay online is due to the fact myself and the co-owner like to write separate checks for the total monthly amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I applied for a Home Equity Loan through Discover Home Loans and was denied due to the fact their appraisal found my home to be vacant. My home is occupied and can be easily proven. They did not allow to be to dispute this or ever send me a copy of the appraisal until after they had closed my loan. They have also disregarded all my documentation showing my residency and have not provided any information on why my house was labeled vacant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 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: MD

Complaint narrative:
XXXX issues - The loan rate being charged can not be substantiated via the loan documentation, and the loan rate charged is above what can be calculated. 
I am a cosigner on my daughter 's student loans. 
Originally the loans in question were with XXXX who sold the loans to Discover prior to the deferment period ending. 
The loans are variable interest rate loans. 
The loans use either the 3 month XXXX or the XXXX XXXX published Prime rate to calculate the loans interest rates. In addition there is a " margin '' associated with both loans. However, Discover can not provide documentation ( prove ) the margin associated with the loans. 
Using the original disclosure statement to " back out '' the margin using the published interest rates, shows the interest rates being charged are above what the rates should be using the historical rate changes for the loans. 
Numerous calls to Discover Student Loans, including talking to a supervisor at Discover has failed to produce the documented " margin '' on both loans and an explanation of how the rates are calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XXXX XXXX of XXXX, according to Discover, I took out a education loan. In XXXX of XXXX after becoming delinquent on my account I paid Discover off. Discover is currently reporting XXXX education loans originating on the same day. Both loans are being reported as negative accounts on my credit report. I have informed Discover that they are duplicate accounts, but Discover refuses to remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: DRS Financial LLC
State: NJ

Complaint narrative:
I owed XXXX medical co-payments that I was told were in collection with Capital Collection Service. ( REF # XXXX ) XXXX in the amount of {$15.00} and the other {$100.00}. I originally spoke with XXXX and asked for some type of information she could mail me regarding the payments for these accounts as the XXXX co-pay for {$100.00} was being sent to wrong address ( which she corrected that day ) I told her I was not working at the time and she began interrogating me and practically " begging '' for a checking account. I said I do not have XXXX and could make small weekly payments and it was mutually agreed upon. On XXXX XXXX I attempted to pay online via their website and an error message popped up that the minimum payment allowed was {$20.00}. BUT my debt is only {$15.00}! So I called them and spoke wth XXXX and she told me the payment must be greater than {$20.00}. I said I will have to save to make the next payment. On XXXX XXXX I called them back to make the payment and spoke with another lady who told me XXXX is new and does n't know what she is saying and the payment has to be {$50.00} so I wrapped up the call and I went on their website and paid {$35.00} with a prepaid card. The week of XXXX XXXX in preparation for my next payment I called them up and spoke with a man who said the payment has to be {$50.00} because of their credit card fees. I said that is not my issue. On XXXX XXXX I go online to make a payment and I get the message " Transaction Failed : XXXX - Declined Do Not Honor Card ( XXXX ). Contact customer service at XXXX for assistance. '' Capital Collection Service manually blocked me from paying online and are forcing me to call them to make {$50.00} payments. There are certain regulations that are very important, and violations of them are worthy of reporting to the issuer or government : A merchant can not set a minimum charge for a purchase that is more than {$10.00}. XXXX regulations prohibit minimum charge amounts. I have screenshots of necessary details stated above and I am willing to take this to court as it violates my XXXX card rights and I am contacting XXXX consumer relations. My payments should be accepted regardless of the amount as I am lawfully paying down my debt. I should not be subjected to unlawful minimums because of their credit card processing fees, that is a cost of business and none of my business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have been a Discover Cardholder since XXXX. I have used this card for both purchases and cash advances. There are 4 types of balances listed on my bill - Purchases after XX/XX/XXXX with a rate of XXXX, purchases made between XX/XX/XXXX and XX/XX/XXXX at a rate of XXXX, purchases prior to XX/XX/XXXX at XXXX, and cash advances at XXXX. I have been making minimum payments on thecard for several years, and I recently took a closer look at the payment breakdown because it seemed that the balance was just not dropping. What I found was a bit disturbing. I only have my XXXX most recent statements, but I am trying to get online access to more. On my XXXX statement, I had a total interest charge of {$180.00}, which was paid from the payment I made of {$210.00} and dropped my outstanding balance by {$27.00}. All of that seemed correct. The problem arose when I reviewed the interest charge calculation portion of the bill and realized that the interest was not being paid by my minimum payment as I had thought. The interest was being added to the outstanding balance of my higher rate balance types, causing that balance to go up, which will result in a higher balance subject to the higher interest rate with no additional purchases or advances done by me. Below is the information : Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$32.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4200.00} - interest charged {$59.00} Cash Advance - APR XXXX - balance {$4100.00} - interest charged {$85.00} Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$31.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4300.00} - interest charged {$62.00} Cash Advance - APR XXXX - balance {$4000.00} - interest charged {$83.00} Instead of applying my minimum payment to interest charged, it was applied to pay the lowest rate balance and my balance subject to the XXXX and XXXX interest increased by {$120.00}. This does not seem like a legitimate practice for applying payments. My balances are increasing, but I have made no additional purchases or advances and have received no penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover is trying to sue me on a debt that 's too old

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: IA

Complaint narrative:
I was enrolled in Discover double case back program in XX/XX/XXXX and got email confirmation in XXXX XXXX XXXX. When I confirmed my time period of the double cash program XX/XX/XXXX, the representative said that I was enrolled XX/XX/XXXX even though there was n't any email nor record on my account reflected that information, and I made a lot of purchase using Discover it card in XX/XX/XXXX assuming my program started on the date I received that email confirmation. When I called in to their customer service, the director explained that the email confirmation meant nothing, and the date on that email says " XXXX XXXX as the XXXX billing period '' is not necessary the XXXX but can be XXXX and even XXXX. When I pointed out the confusion of the email, the director made up an email on XXXX XXXX XXXX that he claimed had rewards program information on it. I do n't have that email ever, and he could n't even bother making up the content of the email but saying there was an email. I was so disappointed of how Discover pulling this trick of date on me. I wish I had more clearer information in the first place to avoid this kind of misunderstanding. Discover did a terrible job of letting customer know the exactly date of their rewards program and tracking the use of their Discover deal portal. When it comes to REWARD, Discover makes all the information as vague as possible!! That made-up email was a total disappointment, I will stop using this card and stop referring my friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am so stress out, I spoke to supervisor XXXX and she would not help me. I told XXXX never file a dispute because I will change my score. I ask them to cancel it. I finally see the update on the cancel account from Equifax and they change the comments to collection and the took off the payment history making sure there is no way for the anyone pulling my credit to know what really happen to my account. This account was pay off in XXXX. And there is payment history to show that. That trying to blame XXXX when I simply ask them to put the account back to the way it was before the did the dispute. Because they did it this way my score wo n't go back to the XXXX before they did a dispute. Now it is staying a XXXX and they said they ca n't do nothing now I have to talk to XXXX even thought the changes they made was done by Equifax not XXXX. I believe they are punishing me for complaining about them. I also told them I can send you the account before you Equifax changed it so they can put it back the same way it was and they said it do n't matter. We do n't have to report a payment history. I ca n't believe they have to power to make changes that will hurt me when they could just change back to what it was before they did this. Please help me Equifax is treating me unfair. I attached the account before Equifax did a dispute I it had a payment history, and different comment and my score never when back to the way it was. Equifax is violating my credit report causing me not to get funding. Accounts history is very important for a lender to know. Something that happen 4 years ago is not going to be to same as something that happen 1 year ago. The way Equifax changed it there is no way for the lender to know. Equifax clearly knows this so why would they aloud this account to be reported this way. If it did not make a differents then way my score did not change back the way it was. This was no other changes on my credit report but that account. Before dispute reported date say XXXX/XXXX/XXXX, they new way they reporting account XXXX/XXXX/XXXX. The comments are different and one had history. Everybody knows payment history is how your account gets judged. There is none. It just say collection and that is it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have requested a hardcopy of my credit report both by phone and online, still have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Card calls me up to 6 - 8 times a day. I always return the call when they leave a voice mail. I advised them I had an arrangement that I could afford and they told me I had to pay more. My other credit card companies accepted this arrangement but Discover keeps harassing me. I had to have my phone # changed already and I 'm thinking about changing it again. They found me this time but I will be more careful if I have to do it again. I almost claimed bankruptcy but would rather try on my own. However, I got ta do what I got ta do! Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I ca n't seem to access my credit report. Even on my XXXX credit monitoring, my Equifax report does not come through. Can I be provided with the Equifax confirmation number so I can look at my report for any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I do have a very good credit ( maybe an excellent credit ), but I can not run my credit or get a credit score or a print out because I do not have a Social Security. I apply for my credit cards more than 10 years ago using a ITIN # or Tax Payer ID #, I used to run my credit report or credit score without problem and now I ca n't. I feel discriminated ... DISCRIMINATION it 's a horrible feeling ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does not belong to me. 

Chapter XXXX diss/closed XXXX/XXXX/XXXX case # XXXX does Infact belong to me. 

XXXX and XXXX Credit Bureaus purged the above entries and removed from my Public Record on my credit report. 

EQUIFAX refuses to stating they did n't file this information the Bankruptcy Court supplies the information which is not true. I have filed XXXX disputes and talked to XXXX different people up the chain of command. My end result has been it 's equifax decision to report this information for 10 years instead of 7 years as the other credit bureaus have done. Please help me. I need to buy a home. Each employee has told me different information and they have straight out lied. If the phone calls are recorded you can hear them yourself. Your told it can take up to 30 days for the result of a dispute but the last XXXX I filed had results less than 24 hours later and I have the email to show that. My dispute case # XXXX are : XXXX, XXXX, XXXX, XXXX dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ... 

Please contact me with any question. This is a very important issue. Thank You for your time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX # ***********DOB : XXXX would also like to add that my credit score with Equifax has actually gone done since filing disputes as my credit score Has gone up with XXXX and XXXX . I have a score of XXXX with XXXX company and a score of XXXX with Equifax. I. Desperately need help. The reason we had to file for bankruptcy in XXXX was my husband was XXXX. It certainly was n't something we wanted to. We had no choice. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because Equifax has ignored to provide me with documents that their company has on file that were used to verify the accounts I disputed. Being that they went past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION THAT CAN NOT BE VERIFIED. '' that I have disputed. Please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 've tried multiple times to get a free credit report using XXXX and annual credit report and got the same problems for both saying that my information didnt match any records or any bureau records. I 've never signed up before and Iv'e never used my credit either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I reported the credit reporting company as XXXX on my complaint when actually it was Equifax : I paid off a higher credit card balance with XXXX that had a much lower interest rate. Equifax added the balance paid, to the lower interest rate credit card but did not remove it from the higher XXXX resulting in my appearing to owe {$4200.00} more than I do. This resulted in them dropping my credit rating XXXX points. I would like my credit rating restored to the XXXX that it was. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX IS NOT REPORTING CORRECT INFORMATION I HAD A TAX LIEN THAT WAS RELEASED IN 2014 EQUIFAX KEEPS SHOWING A TAX LIEN AND WONT UPDATE THE FACT THAT THIS LIEN WAS PAID AND RELEASED, THEY ARE ALSO CONSTANTLY REMOVING REPLACING THE SAME REMOVED ACCOUNT A FEW DAYS LATER EXAMPLE : XXXX THEY HAVE ADDED ACCOUNTS I HAVE NO KNOWLEDGE OF LIKE PROCOLLECT. PLEASE INVESTIGATE AND HAVE THIS AGENCY STOP ABUSING THEIR POWER BY REFUSING TO CORRECT INFORMATION THEY KNOW IS FACTUAL. THEY ARE INTENTIONALLY AFFECT MY CREDIT REPORT AND CREDIT SCORE. THIS IS AN OUTAGE THAT AMERICANS CA N'T GET AGENCIES LIKE THIS TO OBEY THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are excessive inquiries by the banks for an unknown reason. 


1. XXXX- There has been an inquiry every month since XXXX, 2015. 
2. XXXX XXXX XXXX inquiries to date These should be removed. I have XXXX XXXX XXXX credit cards and only should have XXXX inquiries. 

Can you please remove the excessive inquiries as no permission was obtained? 

thank you,

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 — Public record
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I had a XXXX XXXX in XX/XX/XXXX and had to file a bankruptcy, which is stillbeing reported. In XX/XX/XXXX I had XXXX credit cards put on a debt settlementprogram which has been paid. But the credit bureau still is reportingthat I have serious delinquencies and I did n't have delinquencies beforethat and none since then. That causes a lot of places to turn you downwhen applying for credit. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
The firm Pressler and Pressler violated the Fair Debt Collection Practices Act when it caused my joint bank accounts to be levied. 
The debtor owns none of the money in the account - or only has funds in it that can not be levied at all, like social security or XXXX payments. My wife incurred credit card debts prior to marrying myself. Only my wife was a debtor obligated, obligated to respond to, Pressler and Pressler.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation