vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX XXXX 2015 I Applied Online for discover credit card after I check the status I was very negatively surprised to see I was declined, I contacted discover customer service agent and was informed that the reason why I was denied is because i had old account which was closed by credit granot because it was inactive which by Federal Law and By Equal Credit Opportunity Rights is not Legal to take adverse action because you had account in good standing and it was closed due to inactivity. After asking to speak supervisor and my request was escalated I was not lucky to be introduced to XXXX XXXX XXXX. She Told me she will investigate why and after 7 or more days could n't give me fair and legal answer, The Answer remained same that because I had Joint account and account was closed due to inactivity and I can not apply to join Discover Card Family. Please know I contacted in meantime with XXXX Credit Reporting Agency and obtained my free credit and score allowed by law if creditor takes adverse action to verify if I have any negative items or any other reason that my credit card application can be declined in which I saw and can confirm that I have Perfect Credit And only 12 % XXXX Population can have So Much Perfect Credit and XXXX Fico Score. 


I am writing to you because The service was not carried out with the necessary skill The service was not carried out with proper care and attention The decision is not acceptable and I will file claim to Consumer Financial Protection Bureau, XXXX, Federal Trade Commision I was treated very unfairly and in my opinion law was broken I suspect maybe there are other reasons like Race Sex national Origination or other reason which is not allowed to be used to make credit decision. and many other reason ... 


According to Equal Credit Opportunity Rights, prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. Creditors may ask you for most of this information in certain situations, but they may not use it when deciding whether to give you credit or when setting the terms of your credit Please keep in mind I have Great Credit And Very Good Income And My Debt to income Ratio is Almost 0 % Also I want to Mention I have More Then 20 Year Credit History And I never been Late and or seriously delinquent and Never in My Life I Filed Bankruptcy. 


I would appreciate your response as soon as possible. If you wish to discuss this further, I am contactable by telephone/email Phone number XXXX XXXX XXXX Sincerely, XXXX XXXX Discover Card Apllication reference number is : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC
State: NC

Complaint narrative:
I took out a XXXX loan in XXXX 2015, they were not clear in the terms, though I questioned them, and was provided false answers since then they have been garnishing my account every two weeks for at least XXXX some weeks XXXX, I have called multiple times, and tried to pay them in full, but have been unable to, I 'm being told that 's not how it works, I have paid over XXXX for this loan so far, I just want to be able to pay it off and be done. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK
State: GA

Complaint narrative:
A company called XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, is continually sending me letters to collect a debt which has expired. They have not removed this debt from my credit report either. Even the letters state that the debt has expired. If I contact this company directly, the 'clock ' will start running again and even states as much in the letter. The original debt was less than {$300.00}, but they have inflated it to {$2200.00}. Can you help me. I am a XXXX veteran with limited resources, but still need a good credit rating like everyone else in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DISCOVER BANK
State: OH

Complaint narrative:
Today is XX/XX/2016. Approximately 2 weeks ago a Discover card debt collector contacted my father at his home looking for me. Which made no sense since discover had my contact info and had been speaking with me. They told my father that they were trying to reach me. They also said that I was behind on my payments by XXXX and that I owed a total amount of ( I am unsure what the total was at that time ). My father told them I did n't live there and never have and to not contact him again. I have not spoken to my father in almost XXXX yrs. Discover had no business giving out my personal info. They did however leave a contact number, ( XXXX ) XXXX, which is a Discover card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XXXX/XXXX/2015 we disputed an unauthorized set of transactions on a joint account held at BECU ( credit union becu.org ). This was done via my wife 's debit card so the dispute was done under her name but it 's a joint account in XXXX of our names. On XXXX/XXXX/2015 BECU notified us they were crediting the account and would notify us in writing if anything further was needed. 

When examining my XXXX 2015 statement ( approx XXXX/XXXX/2015 ) I discovered the credit ( XXXX $ ) had been reversed. I then went into BECU on XXXX/XXXX/2015 to inquire and was told they had mailed us a letter in XX/XX/XXXX we 'd not responded to so they reversed it and it was closed. They then claimed there was nothing further to be done. We never received a letter and BECU can provide no proof that we received this letter either. A new copy was provided to us on XXXX/XXXX/2015 showing it dated XXXX/XXXX/2015 and claiming we had until XXXX/XXXX/2015 to respond. 

This was unacceptable to me as we never received this letter they claim to have sent and once I did discover the reversed charge went back to inquire within a reasonable timeframe. Statements close on XX/XX/XXXX so on XXXX/XXXX/2015 when I went into the branch to question this it was still within XXXX days of my notice of this charge. BECU easily could have prevented this issue by ensuring this written communication which has a very short time frame ( less than XXXX weeks to respond ) was handled via a tracked mechanism. i.e. certified mail, XXXX, etc. There 's been no proof offered this letter ever was sent to us at all beyond their claim of it having been sent. We did file the required paperwork with them immediately disputing the charge ( i.e. within the required XXXX days ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover student loans has been consistently harassing me and my co-signer about payment on a loan that they have been unable to provide proof that they own. I have asked for the original promissory note multiple times and have never received it. I would like to discontinue paying this loan until I see proof that it is owned by Discover. They continue to harass my co-signer and I about payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC
State: NC

Complaint narrative:
I have already filed a complaint XXXX time and I 'm about to do it again. First off I have filed bankruptcy so no one should be trying to take payments out of my account since I put a stop to all Auto Drafts just looked and a payment had try to be taken from my account on the XXXX of XXXX and the XXXX. As I stated I would have it paid in full and caught up by the end of the month. Then when I filed the first complaint they just decided nor to respond to it which they are required too do so. I already know I have NSF charges on my account but I can clear all that up. It 's not right how these companies feel they can do what they want to when they want to. Do n't want to be bothered or harassed I will make sure all is done that needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: FL

Complaint narrative:
One of my student loan providers is Discover. I 've attempted to call them and ask them for a lower monthly payment plan but they advised they do not have any plans like that. They only offered to provide a forbearance in which I 'm not interested in because I do n't want to have my interest increase. I mailed them a request in writing to list all the options they have to help me pay them but they responded stating to give them a call. I am a graduate out of XXXX XXXX University and live pay check to pay check to get by. I feel the loan providers should be more flexible especially because this is a very known issue that happens to XXXX and maybe XXXX of graduates. Something must be done, this is simply unfair. I feel XXXX XXXX University is a scam and they promise a lot of things that they do n't keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Pioneer Credit Recovery contacted me directly to communicate on their behalf to a neighbor of mine for debt collection. They researched addresses closest to the person they are trying to contact and found my number. I feel this is illegal and a gross violation of my privacy and that of my neighbor. It is not my job to communicate with their collections. I have no right to know my neighbors business.

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 2016-05-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have the Discover " it '' credit card, this company seems like its a scam. I had the card for about over three years now. My over all balance is about {$7500.00}. I pay my bill every my bill every month some times late but nevertheless I pay the bill. I have been harassed and aggressively hounded by discover sometimes every day until I make a payment even when I already made a payment for that month. None of my other billers, utilities, or credit cards do what discover card is doing. My balance is not going down. at all it is still {$7500.00} over XXXX years of paying my bill, on time in the past.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a victim of identity theft, I had no choice but to put on a credit freeze with all three agencies. Now when I need to refinance my home and put on a temporary lift of the freeze Equifax forces a {$10.00} fee for this. Why? What do they need this money for? It 's simply not fair. This is not a service they are providing me! This is protection of my identity so that I can function in commerce despite the awful system these credit reporting agencies perpetuate. I have no choice in this matter. Why must I pay {$10.00} to protect my credit and lift this freeze. This service should be free!! This is yet another unfair burden on the People.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: N.A.R., Inc.
State: ID

Complaint narrative:
the agent/case handler threatened to garnish my wages if I did n't pay the balance off. without a proper court order/judgement they are n't not allowed to garnish my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
In XXXX of 2015, I did a transfer fee to my Discover Cards in the amount of {$3300.00} to consolidaye my debt. I opted for the 0 % APR with a {$99.00} transfer fee. However, I was then being charged a " Minimum Finance Fee '' of {$0.00} per month. Come to find out, this was interest on the " Payment Protection Program '' I was enrolled in that is assesed monthly. The " Minimum Finance Fee '' is automatically charged the same time as the " Payment Protection Program '' fee because I have a running balance due to the transfer ( even though that running balance is at 0 % APR ). There is no way for me to pre-pay this " Payment Protection Plan '' fee except by paying off the total amount owed, which is currently {$1500.00}. They claim this is because of " Daily Residual Interest '' but they do n't even give me 24-hours to pay off the " Payment Protection Plan '' fee. Is this legaL?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went on credit check total to get my FICO scores and I was able to obtain XXXX and XXXX but it states Equifax is not available. I have been having this issue with Equifax for over 6 months and nobody can tell me why my FICO score does not show. There is no freeze or fraud alert on my account so I do not know why it will not show!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: SC

Complaint narrative:
I am real estate attorney who is trying to pay off a loan being serviced by Seterus , Inc. Seterus refuses to give me payoff amount because they received this loan Fourteen days ago and have not yet sent my client a welcome letter. My client only wants to pay this debt off in full. Seterus has informed me that it will be another XXXX Days before a payoff can be generated, although they acknowledge that they are the servicing company for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Under Public Record Information : All my credit reports are showing this information, A Chapter XXXX Bankruptcy which shows it was Dismissed which in fact it was not, further more I never filed a chapter XXXX bankruptcy and after contacting the bankruptcy court myself they told me removing this information off of my credit report is the credit companies responsibility not theirs. I have tried and failed to get the credit bureau 's to remove this false information off of my credit report so now I 'm needing a higher authority to help me get this information off of my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit report shows that I owe XXXX XXXX and this particular debt collection agency is collecting the debt did not notify me of this debt and give me a chance to respond. I was successful in getting this deleted in XXXX out of the XXXX credit reporting agencies, but ca n't get Equifax to budge unless I pursue this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed items with equifax multiple times on items I knew that did not belong to me. XXXX conducted their investigations just fine and deleted the fraudulent i tems. Equifax refuses to delete them, however. They have given me no other choice but to file a complaint against them and their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus has been claiming that we are a month or two behind and missing payments in our mortgage. This claim started happening once we were discharged from our Bankruptcy. We have received notices claiming we requested to modify our loan ( which we did not ) three days before receiving our actual mortgage statements. We bank online and do not wait for the statements to pay our mortgage. We have requested on several occasions for Seterus to send us the proof we are behind and missing payments. What they sent us does not prove it. We also responded with the proof all payments were made. The months they claimed we are missing were months we were with XXXX XXXX XXXX and we have proof we made all payments to them as well. We are being harassed by Seterus and they have dinged our credit with false information. We have tried to work with them through no avail to resolve this issue. Seterus are rude and accused us of refusing to accept that we owe them money. Please investigate this company, there is something seriously wrong with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I was seeking information on lower interest rates for mortgages for my Daughter. When the form asked for my SSN, I opted out not wanting to give my SSN since I was not inquiring for myself. At this point I assumed it would close the form and no harm done. This appeared as a hard inquiry on my XXXX and Equifax Credit Report that resulted in lowering my Credit Scores.The company that filed the inquiry was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 'm XXXX now and I 'm trying to get my free credit report and I keep getting my information does n't match my record?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently checked my credit report ( Eqiifax ) and noticed a problem in my personal information. In my address information, I checked the listing and noticed an inconsistency. 
" XXXX XXXX XXXX XXXX XXXX, NJ XXXX First Reported XX/XX/XXXXLast Reported XX/XX/XXXX '' I never lived in XXXX, nor do I plan on moving there. So I have good reason to suspect there is a potential identity theft going on. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This XXXX account for {$60.00} showing XXXX XXXX XXXX on my credit file this account was previous deleted from another credit bureau and this account also do not belong to me. I have call the original creditor XXXX XXXX XXXX who does n't show this account. I do not know why XXXX is still trying to report false and inaccurate information on my credit file. I need this information deleted and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax And XXXX Did Not Address My Dispute In Regards To The Date The XXXX Account Was Closed. As A Result Damaging Information Is Continuing To Be Reported To My Equifax Credit Report Even Though A Period Of Over 7 Years Has Long Passed Since The Disputed Account Was Closed For Account # XXXX The Disputed Account Is Still Showing As A Charge Off.

Company response to consumer: Closed with explanation