vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Community Health Investment Company, LLC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX PROFESSIONAL ACCOUNT SERVICES Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL ACCOUNT SERVICES I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Esser, James & Associates
State: FL

Complaint narrative:
Esser James and Associates, LLC is attempting to collect a credit card debt. This company has my current address and phone number. Despite having this information, they are contacting my mother, sister, and uncle and leaving messages " that I have pending legal matter '' and need my attorney to call them right away to resolve the complaint. 
When I contacted the collection agency, I was told by an agent and a supervisor that they had every right to call third parties. There are NUMEROUS complaints on the web about this company calling and leaving messages about " pending legal matters '' with family and friends. Esser James and Associates must be held accountable for violations of the FDCPA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: DC

Complaint narrative:
My mortgage account was forcibly placed under " lender placed insurance '' for insurance laps. I was only aware of it when in XX/XX/XXXX, I called to pay for my monthly mortgage at {$280.00}. I was then told that the new amount I need to pay was {$600.00}. I was shocked and in disbelief on how a mortgage company can increase one 's monthly payment ( threefold ) without any notice. I disputed the new amount which is almost the triple amount of the initial monthly payment. In addition, I contacted my insurance company and provided a policy on the property, yet Nationstar would not consider making the necessary adjustments for a lower payments. I believe this practice is predatory and Natrionstar has not been transparent, communicative willing to work with me.

Company response to consumer: Closed
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Based on information, belief, and observance, my Discover Card account was opened using a line of credit from my corporate affiliation with my investment company. I open a Discover Card account on or about XXXX XXXX. I later added an authorized user to the account. Subsequently, extra cards began to be ordered under the authorized users name without my knowledge/permission or the authorized users knowledge/permission in about XXXX XXXX. Discover markets its cardholders are never liable for unauthorized charges on the card. However, Discover misled me about the status of the disputed charges I reported when I made Discover aware of the additional cards and charges on the account. Instead of closing the card under fraud, Discover left the card open until XXXX XXXX. During this 2 year time span, disputed charges reappeared on the account along with new charges while other accounts numbers were also open. I have determined the charges in dispute amount to {$810.00} which discover refuses to credit to my account as a result of the fraud. It appears a line of credit for my company was opened similar to my XXXX XXXX account which I learned had XXXX extra cards despite me being the only authorized user of the account. In the alternative, I believe Discover employees or third party contractors opened an account in the authorized users name when the user was added to the account and began making charges which posted to the account and charges which were not viewable online or on statements. I have had to make complaints of mail tampering as a result of Discover not maintaining my updated mailing address. Based on information, belief, and observance XXXX XXXX XXXX is an agent for XXXX XXXX XXXX who may be of some relation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I went into a debt collection program in XXXX and had settled all my obligations by XXXX. I am trying to refinance my mortgage to gain a lower rate. On my recent credit report the bank noticed that I have a judgment issued on XXXX/XXXX/XXXX from my Discover card. On page XXXX of the credit report it states that there was a settlement. Payment was made and the account was closed. I need help removing the judgment from my credit report as it is no longer active. Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: GA

Complaint narrative:
I contacted Discover Student Loans after a loan was reset and shown as requiring a payment I already made. I spoke with supervisor XXXX in XXXX XXXX XXXX, UT who advised me I could make the remaining payment and they could place an administrative forbearance on the loan but they could only do this after I had made a payment. 

To have a system reflect a loan as unsatisfied and require XXXX payments in one month on this loan is a direct violation of my loan agreement and I have received no follow up on if me paying a monthly payment twice would move my due date for that loan forward a month, or how Discover intends to remedy their system error. 

Executive office team member, XXXX XXXX was also aware of this and offered the same remedy of placing an administrative forbearance once the remaining loans had been paid. Discover showed a minimum payment due twice for the same loan, at this point they are aware the loan was paid twice-yet the due date for that loan was not moved further back nor have they made an attempts to rectify this issue. 

Finally I was advised when the loan was reset all the information would move over to the new loan number. The new loan does not show any of the interest paid to date on the loan they reset or any of the prior loan history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 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: PA

Complaint narrative:
In 2003 I got a divorce, at the same time my husband filed for bankruptcy. Shortly after I had a judgement on my credit report for a debt from Discover for my X husband 's credit card. I disputed for years finally it was off my credit. Recently the debt collector filed a writ of revival. I tried to hire a lawyer however the cost of lawyer was more than the debt. This is not my debt, I never gave them my social security number. At this point I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover has been charging me 29.99 % interest for the past five years, because I made a late payment in XX/XX/XXXX. Since that time, I asked them to lower the interest, and they did for a brief, temporary period, but then they returned it to XXXX. They explained that they " had '' to raise it again because lowering it was just temporary. Since that time, my daughter was diagnosed with an XXXX, I lost my job, and I sustained XXXX. I was unemployed from XXXX to XXXX of this year ( I am XXXX ). When I explained to Discover that I was struggling to meet their very high interest payments because I 'd lost my job, they replied that if I 'd lost my job, I was a worse credit risk, which was all the more reason they should leave my interest rate at the highest level. I ca n't imagine that charging me this rate over this period of time is legitimate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stuart-Lippman and Associates, Inc
State: CA

Complaint narrative:
I told the debt collector that I do not own this debt and it is up to their client to prove I owe the debt. I never did business with XXXX XXXX and never had an accident with XXXX of their insureds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have had a Discover credit card for 10 years with a credit limit of {$18000.00}. I purchased a home in XX/XX/XXXX and part of my mortgage agreement was to pay off the remaining balance on the Discover card of {$3500.00}. When I closed on my house on XX/XX/2016, the title company handling my closing received the funds via wire to pay off the card and paid it off within 2 weeks. I then received a letter from Discover notifying me that my account was closed. I called them and they notified me that they received a letter along with my payment requesting for the account to be closed. I requested a copy of the letter and upon receiving it, saw that the title company had closed my account without authorization ( since that was n't a requirement of my mortgage lender ) and that the document had XXXX borrower signatures that were not mine. I called my mortgage company and they verified that the closing of the card was not a requirement and the title company was in the wrong. I called the title company and they admitted their error but said they could not help me any further. When contacting Discover, they forwarded me to a supervisor two times on two separate occasions and eventually told me that they would not re-open my account even though the document they received did not have my signature. I offered to send them a letter from the title company that committed the error and they refused that option as well. I contacted the fraud department at Discover and they told me the same thing. Since the account closed had a {$18000.00} credit limit, my credit ratio changed and therefore my credit score went down XXXX-XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MA

Complaint narrative:
I was offered a credit card over the phone about 10 years ago by Discover Card for about {$4000.00}. I was later referred to a debt collector who took me to court as I fell behind my payments whereby a payment arrangement of {$100.00} was agreed upon. 

I have asked the debt collector to consider writing off the debt as I have payed them towards or above {$10000.00} over the years, well in excess of the original {$400.00} credit card limit that they extended to me. 
Unfortunately, the debt collector have always declined this arrangement ; they actually indicate that my debt has increased from about {$400.00} to about {$16000.00} because of interest rates which to me seem utterly artificial or unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
Me and my husband are both retired senior citizens, and tried to refinance our home. The BBVA Compass Bank informed us we should not have any problems refinancing our home. We informed them that we did have a bankruptcy on our credit, and it was less than 5 years old. The banking officer informed us that it should not be a problem getting us approved, so we scheduled the appraisal per the officers instruction. The money was taken out of our account without knowledge of the date. We then received a letter stating that we were denied the loan, but we were informed by the officer it would not be a problem getting approved. We were upfront in letting them know about our credit situation, but we were mislead by the bank staff in general. We are XXXX retired XXXX and on a fixed income. The amount of XXXX that was taken out XXXX/XXXX/15 was a setback for us, especially being mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Case number : XXXX. I am following up on this case number. I have attempted to contact Discover Card contact but have not received a return call. 
The response has not been in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Card is reporting my account balances incorrectly. they are failing to credit my payments to the account and they are overstating the account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: NH

Complaint narrative:
I complained once already ~ I heard from XXXX XXXX at Discover Student Loans on XX/XX/XXXX. I have not yet once been able to contact her. ( What a joke. ) She does n't actually ever answer her phone. She told me to call the forbearance department. The XXXX time, back in late XXXX, they told me I had to wait until my payment was almost due on XXXX XXXX. I called back today and the guy was explaining that my payments will be larger - almost trying to scare me out of doing a lower payment plan for 6 months. This seems outrageous - what kind of financial help is this? I did understand that they are refusing to extend the terms of the loan. *BUT* they gave me *FALSE INFO* from the beginning and I promise you a rep there told me I could do income based repayment back in Fall XX/XX/XXXX before I signed up with them. But they do n't have a recording -- they do n't care. They are not losing anything in their eyes. All I needed was an estimate of what my loan will look like month-to-month after I go on a reduced payment plan and the guy, XXXX, I believe, he said " Sorry we do n't do that. '' Is that customer service? No, that is pathetic. That is what that is. They care very little. This is called financial slavery. And I could re-finance with another company but get the same exact rates and then destroy my husband 's credit score with a large loan like that. Outrageous - I basically went to college so I could be in financial prison. I can barely afford to pay for my housing and food when I 'm paying $ XXXX/month on student loans - what the heck was the point of college? WHAT A JOKE. Do n't ever sign up for private loans ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Card sent me a letter saying I have been over my limit a couple months in a row, and because of this, they are increasing my minimum payment amount within the next 60 days. I am not past due and have not been past due. I thought credit cards stopped charging over limit penalties, they should just decline the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IL

Complaint narrative:
ai broke some ribs while on a fishing trip to XXXX XXXX XX/XX/2011 was taken to a local hospital emergency room for observation and the on staff Dr. looked at me and told me there was nothing they could for broken ribs so just wait until they heal. while I was XXXX in the XXXX room a Dr . I had never seen came by ask how I was doing and left. Now it seams he charged me {$100.00}. When I refused to pay for nothing done he turned it over for collection. This caused me to have too low credit rating to lease a new car. I asking you to contact him to see if i can get my excellent credit back. I am never past due and have no debt. XXXX had XXXX adverse Account causing the problem will you please see if you can get this Dr. to remove the claim. ( filed through CREDIT BUR SYS INC. # XXXX XXXX XXXX XXXX XXXX, XXXX, KY. XXXX Ph. XXXX I believe the Hosp. was in XXXX Ky. HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
My annual income and house payment or rent amount were requested by Discover card. My concerns about privacy and identity theft lead me to believe that this information should not be requested by credit cards. Verification of employment would make sense when applying for a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CA

Complaint narrative:
The Discover Card Company issued me a credit card. XXXX charge was disputed, and therefore not paid. Afterward, I learned that in fact it was a legitimate charge but the company had used a completely different name so I no longer disputed it. Discover Card paid the amount, advising me they would do so but not advising me that it meant I would go over my credit limit nor that I would daily receive XXXX phone calls regarding being over my limit. I pay the monthly payment on time at the rate prescribed each month. I previously requested of Discover card that they stop calling me, which they agreed to do, and notating it on my record. Yet it has happened again and continues daily at an excessive and harassing amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am very disappointed the way Discover handled my dispute. They sent me a letter dated XX/XX/2016 stating that regarding my charge of {$5100.00} from XXXX a company that contacted me by an unsolicited telemarketing phone call, promising online business related. They never provided me the services that I paid for. They scammed me out of {$5100.00}. So Discover stated at the letter that they have no record of me disputing this charge in the past. But as as of XX/XX/2016, they were initiating a dispute investigation and sent me a notification informing me of the temporary credit to my account for the disputed amount of {$5100.00} and notified the merchant of this situation. They explained that if the merchant provides documentation that shows the charge is valid, they will remove the temporary credit and notify me with a copy of the information provided from the merchant and that this process typically takes less than sixty days. 
Then I received my statement from XX/XX/XXXX till close date XX/XX/2016 and they put the {$5100.00} charge back in there. I do n't understand why? Less than a month after they started the dispute and no letter explaining why they removed the temporary credit or if the merchant replied or not. They did not give me the chance. So I would like them to reopen the investigation since nothing was done and they did not comply with the disputing steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
On XX/XX/XXXX, I submitted a mortgage modification request to XXXX Loan # XXXX. On XX/XX/XXXX, I received a letter from Select Portfolio Servicing notifying me of a loan servicing transfer to their company, Loan # XXXX, to be effective XX/XX/XXXX. I continued to work with Select Portfolio Servicing on the modification request and, today, XX/XX/XXXX, I called to check on the status and was asked to resubmit documents that I had submitted numerous times already. I simply can not believe that this process is intended to take a year to complete and I only hope that there is an outlet to investigate whether this is a fraudulent practice while my credit score continues to be demolished in the interim.

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