vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received a call from a company that would n't identify themselves and immediately started recording the call. I asked who it was, and they would n't say and started asking who I was. I told them I would n't say unless they identified themselves. It went back and forth like that several times until they finally identified themselves as XXXX Business Card. They were recording this entire time. 

It turned out I had missed a payment. 

My complaint is that when calls like this are made, they need to ( 1 ) identify themselves immediately and ( 2 ) ask permission before they start recording. Neither happened. If this is not a requirement, it should be. 

I am also now concerned that XXXX has flagged my account as a collection problem or as an uncooperative customer. 

In a world where people are increasingly getting scammed by callers who are insistent or downright bullying, there is plenty of reason to not trust someone who calls and exhibits these same behaviors. And it most definitely should be prohibited for any credit card company to use these tactics, which puts them in the same league as phone and online criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company
State: NY

Complaint narrative:
They continually robo call my line at all hours of the day. Some days they have left up to XXXX messages. 

The message is recorded and they do n't even have my correct last name!! They give you NO information whatsoever, and after reading all the other complaints about this company, I do not dare call back. All other debt collection agencies send you written notice via mail. Why should I be harassed about something I know nothing about and do not know of any uncollected debts that I might have.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: PA

Complaint narrative:
Chase Receivables has been robocalling me several times a week with a message for XXXX XXXX. I am not this person, nor do I know anyone with that name. 

I called Chase back using the XXXX number given, explaining that I have owned my phone number for the past fifteen years and it does not belong to the person they are trying to contact. The service representative claimed that my number was not in their database. Since then, I have received at least two more calls for XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NY

Complaint narrative:
Constant harassing robo calls sometimes 8 calls within 1 hour- See attached XXXX telephone log. The debt was paid with secondary insurance by XXXX XXXX - XXXX. ALso see attached letter to XXXX XXXX, VP at XXXX XXXX XXXX XXXX - dated XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: OH

Complaint narrative:
I have had XXXX initial contact with ACB Recovery and in that conversation, I have stated that I did not have the means to pay because I was disputing the charge. I told the person, that I would contact THEM once the balance with the payee was resolved. Since that conversation, ACB Recovery has called me everyday for a period of more than XXXX consecutive days between the hours of XXXX. This constitutes harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
The account in question is medical in nature. My son 's ( XXXX ) were seen by the doctor both received blood test for XXXX. The bills were submitted to my insurance company ; insurance rejected both claims, when I called about the rejected claims I was provided guidance on what the doctors office would need to do so the claims could be paid. The doctor corrected XXXX claim but not the other, I fought with the insurance company, the doctors office and the debt collector for XXXX yrs. Keeping all entities informed of the issue. Ultimately I paid the bill, the debt collector placed the account on my credit report as a late payment that will not be dropped off my report until XX/XX/2021.

Company response to consumer: Closed
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
My Husband and I have been paying and trying to become current with the back Mortgage that we owe to try to become current and every time we start to get close to paying it down to pay it off, PLANET HOME LENDING refuses to except any more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rushmore Service Center, LLC
State: PA

Complaint narrative:
This is my XXXX submission. This is not an issue for the FTC. It is a violation of the FCRA Section 623 ( a ) ( 1 ) ( a ). I settled this debt with Rushmore for my XXXX card. I disputed it with the credit bureaus..they sent the dispute to XXXX XXXX and they simply applied the settlement to the balance and left a balance on my credit file. This is willful negligence of compliance with the Fair Credit Reporting Act. CFPB is an entity that enforces these violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Armed Forces Loans of Nevada Inc.
State: VA

Complaint narrative:
I was suppose to get a discount and my apr to drop, but they never did. I am being charged a high apr

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect
State: NJ

Complaint narrative:
I was in a car accident XX/XX/2013. The bills were to be paid by the insurance company. My attorney and I have contacted the companies at least 10 times with no response. The bills should NEVER have been placed on my credit reports and should be removed ASAP from all three credit bureaus. There are XXXX bills from the same company that were placed on my credit reports.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing in regard to Discover Financial Services. XXXX XXXX I made a final payment to this credit card due to loss of personal solvency. XXXX XXXX I received notice Discover was writing off this debt as uncollectable. 

Tax year XXXX I received a XXXX for cancellation of this debt. This is incorrectly reported, and should be applicable to Tax year XXXX. As a result of this reported charge off in the incorrect tax year, I have wrongly due {$900.00} to the IRS. 

I have contacted Discover Financial Services in writing and via telephone several times in an effort to have them amend the XXXX to reflect the correct IRS reporting year of XXXX. 

Respectfully I request Discover Financial Services amend the XXXX XXXX to reflect the appropriate XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: DISCOVER BANK
State: OK

Complaint narrative:
My former name was XXXX XXXX XXXX. I changed my name to XXXX XXXX XXXX XXXX since I changed my name, my credit scores is not correct, its too low before it was excellent. 
Now I send to you with my attach officially name change document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AXIA FINANCIAL, LLC
State: CA

Complaint narrative:
Near the end of a new mortgage application with Axia Home Loans in XXXX XXXX Nevada, during the 72 hours after receiving the final declaration notice, I cancelled the application. I then opted to complete the purchase for cash as the first escrow extension was about to expire and place the purchase in jeopardy. Days later, I received a statement of credit denial from the Axia Home Loan company in which they indicated the loan was denied due to credit issues. After a follow up email to the loan producer XXXX XXXX she assured me that my credit was fine and not the reason our business ended. She then asked for a few days to remedy the misinformation. When that time frame expired, I tried to contact her by phone in a final attempt to allow them to change their action and furnish a letter of termination. At this writing, I have received no further contact. Senior loan processer XXXX XXXX was also familiar with the application details and cancellation. She too offered correction to what I believe to be the punitive credit declaration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover has an offer where you refer a friend and they give you a {$50.00} reward if the friend sings up. I referred a friend who got accepted but i never received the reward. On contacting the customer service i was told there was some error in the prior statement as i had received XXXX rewards which was then deducted from my current statement rewards without specifying it in the statement. On further questioning, they did failed to show me how much of error was present my previous statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AmeriCollect
State: MI

Complaint narrative:
After contacting and interrogating an individual with XXXX, the collection agent abruptly discontinued the call by hanging up. This left the callee worried and confused about his status. He then felt he needed to involve a number of relatives to investigate and attempt to remedy the situation on his behalf. AmeriCollect, of XXXX, WI was ultimately identified as the caller. We found that they had quickly determined that they had contacted the wrong individual. My complaint relates to their ultimate disposition of their call. When they decided they had the wrong person they should have made that clear before they abruptly ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I 've been a customer for 2 years with the company, never had a complaint until today. I just finished talking with the executive office because an inquiry that I did this weekend about a credit card application that I submitted last week. That application was denied, and I call just to know why. I do work in banking as well, and I do care about my credit, because since I 'm not a millionaire I depend on it for anything. I 'm currently working and XXXX both since I need to progress myself. 

Well, the main reason I 'm writing to you today is because I think there is something that Discover should consider in changing or adjusting or do something. When I was doing my application on the second tab ( please see attachment ) It says clearly that if you work and study, 'you select student '. That was basically the key to the point in this complaint. As per your company ' policies students are only allowed to have XXXX account, and nonstudents XXXX, but going back when you apply and you 're doing both you must choose 'Student '. 

Basically, what I did was a waste of my time and a hole on my credit bureau, because the policies of Discover discriminate students. And plus that, I 'm not only a XXXX, I 'm doing both, which should be considered all the way around. I have called several times to the executive office, they just do not care, and there is no way to go futher and let the real executives the dedication of this problem. 

Well, my humble advice, a bank which a lot of his customer base are students, should not treat students so lightly, so XXXX, explain better in the application tab ( if doing both, instead of choosing 'student ', chose 'working ' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover is displaying the incorrect balance for my credit card. Please see attachment and not that the math does not add up. Also note that if you included the pending activity of {$26.00} you still do not arrive at the balance that is stating so the pending activity can not be the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am being sued by Discover Financial Services in the state of XXXX. The debt I created with Discover Financial Services was created in the state of XXXX. I did not sign for the debt in the state of XXXX. Why am I being sued in the state of XXXX? 

Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for Discover, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that discover performed concerning my previous CFPB complaint. She stated that XXXX XXXX group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by XXXX XXXX XXXX. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of XXXX. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the XXXX XXXX XXXX stated to XXXX that I declined another offer of a XXXX year repayment plan. The law group never made an offer of a XXXX year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at XXXX XXXX XXXX, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. 

I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2015 stating that they have verified my debt with Discover and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. 

I have made two attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and XXXX XXXX XXXX does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
XXXX XXXX, I opened a BECU checking/saving account for my XXXX-yr-old daughter, and at the same time co-apply for her a XXXX credit card. 
XX/XX/XXXX, I noticed the credit balance reached the limit ( {$500.00} ). I called my daughter and discovered some fraud charges. So I call BECU XXXX department and got credit back within 5 days. BECU cancelled the old cards and sent us XXXX new cards a week later. As soon as those cards activated around XX/XX/XXXX, more fraud charges were posted on the account. My daughter called BECU XXXX to report. They asked her to pay her portion ( {$74.00} ) and put the rest on a claim for investigation. three weeks later, there is no answer. We came to the bank, XXXX/XXXX/XXXX, and was asked to fill-out a fraud claim form. Two weeks later, I called for status, BECU agent asked me to file on-line with her on XXXX/XXXX/XXXX. Two weeks later, I called again XXXX/XXXX/XXXX. And here is the answer from BECU : " We are still working on your claim. It usually takes about 10 work days. Your claim took too long because during the holiday we have too many fraud cases. BECU does n't know when your claim is going to end. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: MORTGAGE LENDERS OF AMERICA
State: PA

Complaint narrative:
Went through a company called Mortgage Lenders of America LLC. We listened to the lady on how we were going to set a plan to fix the credit score. So we paid off all our debt. First mistake in which she admitted to was that she ran my credit too many times and without authorization. Final result in my family losing the house we wanted and right before XXXX. I tried calling multiple times as did my realator and this company will not return any calls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: DISCOVER BANK
State: NH

Complaint narrative:
CFPB Case # XXXXAddtl information : Herein is a copy of a reply from the same Executive Office after I wrote to the CEO of Discover ; XXXX XXXX detailing what was done to me by Discover and its agents and requesting to waive receipt, dated XXXX XXXX, 2015 signed by a XXXX XXXX of the same " Executive Office of Customer Advocacy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: CT

Complaint narrative:
Working on a short sale with this servicer since XXXX/XXXX/XXXX when XXXX service-released the loan to them. We lost one buyer already, but have a new buyer/offer in since XXXX/XXXX/XXXX. My understanding is that all files must be reviewed by The Committee prior to approval. I called twice today and was told that the file is still waiting to be reviewed by The Committee and that I should call back next week for an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mnet Financial Inc
State: OH

Complaint narrative:
I have an unverified account from MNET FINANCIAL INC. I had previously disputed this account. I have never done business with MNET FINANCIAL INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MNET FINANCIAL INC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MNET FINANCIAL INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: DISCOVER BANK
State: MA

Complaint narrative:
when i went to refinance my home, I was told that Discover placed a judgement on the title for credit card debt that i did not incur. my husband who i have been legally separated from for 3-4 years did have a Discover card that is delinquent. 
my ex will file a separate complaint as he says Discover never notified him of any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 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: CA

Complaint narrative:
Discover Student Loans will not give me the name and address of an agent for a service of process in California so that I can initiatiate an adversary roceeding.

Company response to consumer: Closed with explanation