vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC
State: MI

Complaint narrative:
On XXXX/XXXX/2015 at XXXX a voice mail was left on my phone XXXX XXXX XXXX XXXX from XXXX XXXX XXXX ext XXXX. The person on the phone advised she was calling to speak with XXXX XXXX XXXX my step daughter ) regarding an auto loan with their company. She also said that this is a pretty serious situation that requires her immediate attention. My voice mail gives my name, not XXXX 's. Immediately after she called my cell number, she called my husband 's cell ( XXXX XXXX ). She advised him that that XXXX was behind on an auto loan and that legal proceedings had been started against her. In both instances this woman ( her name is XXXX XXXX ) disclosed information to a third party, she advised legal proceedings were taking place when in fact they ca n't be as XXXX does not have a loan with them. I returned the call to the phone number listed on my caller id ( XXXX ) and asked for extension XXXX. XXXX XXXX answered and advised me that she had spoke to my daughter. I then asked her if she was aware of the FDCPA and she said yes. I asked why she had disclosed information on my voice-mail and then to my husband. She said she is following the FDCPA guidelines. FDCPA clearly states that the person calling can not leave a message advising someone has debt or disclose to someone who is a third party. This makes XXXX violations and possibly more. We are also aware that they contacted XXXX 's mother XXXX XXXX XXXX XXXX on her cell phone with the same information. I do have the recording of the phone message on my phone if it is needed. I also find it interesting that when I called the company XXXX XXXX could not find the information immediately and made the comment that it was under the last name of XXXX ( XXXX 's former married name ) but when she left the message on my phone and also when she spoke with my husband she used the correct name of XXXX. Please be advised that no one in my family owes a debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
The 3 day wait rule should be at least optional. The way banks are actually using this rule is just to go through the same blur of complex paperwork before telling the purchaser that there are " 3 days of quiet time ''. They treat it like a XXXX purchase waiting period. There is nothing whatsoever that forces them to make sure the purchaser understand the blur of paperwork. It 's great that people have the opportunity to review, but it 's not used in that way whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I applied for a secured credit card with Discover. When I first applied they told me that I needed to upload a photo of my social security card in order for my account to be verified. I was XXXX during this time and did not have my social security card on hand, so I decided to not move forward with the account. I did not express this to the bank, but I assumed they would not approve me for the card without proper verification. Since this was a secured card, I provided my account information where the money would be taken. Four weeks after applying for the card, I saw that I {$200.00} had been removed from my account. I called Discover immediately and they told me my card had been approved. I told them to close the account immediately because I never gave verification for them to open it. They then told me they would close the account, but I would n't be able to have the {$200.00} back on my account for 3 cycles ( 90 days ). I am a college student and I opened up this account to try to build my credit. Before opening this account, I had no credit score at all, since opening this account and then closing it, I now have a score of XXXX. I never used the card, so the balance was {$0.00} and I closed the account within hours of it being approved without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I had Discover IT card since 2014.I found some charges which i did n't recognized. I called Discover customer service almost a week back. They transferred me to Fraud detection team who immediately closed my account and send me a new card. Within few minutes i understood what 's going on with my account - reached out to the merchant - who issued me the refund. I called Discover Fraud team another team in less than XXXX hours and asked them not to close my account and no need to send me a new card but they said they will make sure that i will get my new card soon. After XXXX or XXXX days - I got new card which was CHIP based. When i tried to activate that card - but i was asked to call during east coast timing only as DFS fraud team works only in XXXX ... i keep on trying for XXXX days ... and when i got hold of them, i was told destroy the card and i will be getting another card. This time i got the new Discover Card via XXXX - extremely urgent shipment after XXXX days. Called upon after XXXX day to activate it. This card was different from my previous cards as it was ending in XXXX ( my old account was ending in XXXX ). But since XXXX days - they ( DFS ) is not able to find out whether the new card belongs to me or not? Finally today morning - they told me that they will be sending me another discover card by emergency shipment. Almost XXXX hours in total i have spent on this matter during last 10 days. I need to work with their human operators only as the website is not working at all to activate my card. During last XXXX years - I have got my Discover card part of fraud almost XXXX times ... i do n't think Discover is doing enough to secure and safeguard Customer 's account very well. Moreover their overall handling of this issue ( re-issuing new card ) is very very shaky.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: TX

Complaint narrative:
I underwent a XXXX in XXXX 2015. The hospital in question accepted my initial condition and took care of me. However, I rejected additional XXXX, and against my will they billed me for services that were not rendered

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover will not consider a credit card dispute fairly. They have blindly accepted the merchant 's perspective without listening to my narrative or side. Additionally, despite being provided evidence and a statement that the charge was not authorized, they refuse to charge it back to the merchant. The transaction I am disputing involves a product not delivered. Under the Fair Credit Billing Act, I am entitled to a full credit in this event. Discover refuses to issue this credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I made a purchase using my Discover Card in the amount of {$1600.00} in XXXX 2016, which I have an active balance transfer on already. I made a payment of {$1000.00} on XXXX XXXX and the company I made the purchase from refunded the tax of the item in the amount of {$130.00} on XXXX XXXX in XXXX 2016. I noticed on my next statement ( closing date of XXXX XXXX ) that my purchase balance that was accruing interest was {$730.00}, which seemed incorrect to me because of the previous two payments I thought would go towards my only purchase of {$1600.00} before being allocated to the balance transfer amount since the balance transfer does n't accrue interest until approximately XX/XX/XXXX or XX/XX/XXXX. The payment for the XX/XX/XXXX billing cycle was {$560.00} made on XXXX XXXX. The purchase balance that was accruing interest on the statement with a statement closing date of XXXX XXXX was {$320.00} though the payments plus refund total the item purchase amount of {$1600.00}. 

I tried communicating with Discover regarding this situation I was told that the minimum payment is allocated to the lowest interest accruing purchase first and there 's nothing that could be done to rectify the situation. I was also told that this process is one that is designed to attempt to try to save me money in the long run by lowering the balance transfer balance before it starts accruing interest. I was informed it 's simply our way of doing things and there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
I opened a discover credit card five years ago. During these five years, I used this card for a lot of things they promise to give cash back to : food, gas, clothing. I have earned XXXX dollars of cashback and have never redeemed them. I have been paying my bills every month on time. In XXXX 2014, they suddenly closed my card said it 's some kind of business decision. Then I called them to ask for my cash back, that 's XXXX dollars cash back .They first told me that they are going to send the cashback in check to me. I waited and waited but never received it. I called again, they said they are going to send it, then I waited for another two months. But no check came. Then they told me that they decide to forfeit my cashback since my card is closed already. I earned these cash back XXXX dollar by XXXX dollar for about five years and planed to use this money for my travel plan this year. Discover just do n't want to give my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
I tried to pay off my mortgage with Specialized Loan Servicing. I wrote a check for on XXXX XXXX for the due bill based on the principal balance of my mortgage shown on my monthly bill. I received a notice that they would not accept my check because it had to be a wire transfer or money order to confirm funds. This is the same check they accept every month for the last 7 years. By depositing the check the funds would have been confirmed. Since then they sent a payoff summary for the balance with interest calculated until XXXX XXXX and XXXX late fees. I called and XXXX of the late fees were from XXXX and XXXX that the agent confirmed I did n't owe and the other was from XXXX because they would n't accept my check. I asked for a new payoff summary and she said I should pay the amount on the first XXXX and they would mail me a check for what I did n't owe. I did n't received the new summary until recently and it was n't corrected and it had more interest attached. During the first two weeks of the month I kept calling to try and get a corrected summary but could not get any help only " we sent a summary '' they would say. I since received another summary that still was n't corrected and called again and etc ... ... .. Please read the letter which shows the actual time line of events and information requested and received. I am not going to pay all of this calculated interest and late fees because of their inability to do their job. Thank You

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 2015-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I completed a Streamline Refinance application with Banco Popular de Puerto Rico and on XXXX XXXX, 2015 received the initial Loan Estimate. On XXXX XXXX, 2015 I personally signed the disclosures at the nearest branch ; this same day I was charged the origination fee. As requested by the loan originator, XXXX XXXX, I proceeded to gather various documents needed to complete the file, including copy of my drivers license, utility bill and copy of my Social Security Card, and all were sent by email on or before XXXX XXXX, 2015. On XXXX XXXX, 2015 I received a letter by regular mail from Banco Popular indicating that in order to submit the application for approval, I neede to send the same documents previously provided, the SS card, driver 's license and utility bill. The documents were emailed to loan processor once again. Afterwards, I have made various attempts to verify the status of my application without obtaining any decision from Banco Popular. More than 45 days have passed since loan application without a decision and I fear they will change the offer I received for this transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Malcolm S. Gerald and Associates, Inc.
State: IL

Complaint narrative:
They call my home over and over again. They call my employment and not my direct phone number, over and over again and harrass my coworkers with questions but provide no information for them to take a msg. They just called my job three times in five minutes to our customer service XXXX #. They are going to get me fired and it is very embarrassing. They are harrassing, provide no information and ask for personal information i would never disclose by phone and that they should have already if i am the correct debt collector they are looking for. They will not provide me with the bill they claim i owe, nor are they providing the original creditor information etc. I would like them to stop calling me as a whole until they can provide me by phone the information that i will need to pay this bill if i am the correct debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I have a XXXX and Have told this company HFS at XXXX to not call me till after XXXX if they have business with me or my wife they keep calling with or about some debt from several years ago i dont even remember XX/XX/XXXX my dad passed away and i not only have this XXXX but now XXXX and take meds, sleeping is hard and when i get sleep i dont need this company HFS waking me Please get them to stop Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
went to a XXXX presentation found out was a scam tried to cancel with in the 30 day period XXXX office disconnected there phone and doors were closed we tried multiple times to get Monterey financial to cancel but keep telling me to get a letter from a company that left for good we did write letters and it was returned we told Monterey all this and there are still threating us to pay for this scam that they refuse to cancel

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY

Complaint narrative:
I talked with Revenue Recovery to learn how I suddenly owe {$650.00} and to whom. I was told it was for an ER visit to XXXX in 2011. They said I worked at XXXX and had XXXX health insurance. I explained I have never been to XXXX ( I reside in XXXX ). I did not visit an ER in 2011 and I have never had XXXX health insurance. I asked why six years later they determine I owe this amount to this facility? I was not offered an explanation. The woman said she would put this matter in dispute. The next I learn, the debt is turned over to the credit bureau as a legitimate debt owed by me. It is not mine. I ask that it be removed from all credit bureau reports and that it be written off, or the facility find the actual person who owes this alleged debt as it is not me. I believe they are past the statute of limitations to collect on medical debt in Kentucky anyway, and this attempt to collect a {$650.00} debt owed to a facility which I never visited is against the FTC.

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 2016-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This is the letter I wrote to SLS ( Specialized Loan Servicing ). I have called and spoke with various people for hours, had difficulty understanding the increase in my mortgage, was not provided with a clear explanation. They do not allow for call backs to me during work so I have to hold. They finally told me it would take them 6 weeks to get an explanation to me for why my monthly due has increased all of a sudden by {$200.00} ( almost exactly ) a month. 
See below -- -- -- -- -- -- -- -- -- Dear whomever it may concern at SLS, I have contacted XXXX representatives in Customer Care this week by phone ( week ending XXXX/XXXX/2016 ). There has been an increase in my monthly statement balance beginning XXXX/XXXX/2016 of {$200.00}. I was originally paying {$720.00} and the XXXX/XXXX/2016 statement showed a " Total Amount Due '' of {$920.00}. 

After not receiving a clear explanation from Customer Care, I spoke with XXXX in the Executive Services Department. She advised that this was due to an increase in the Amount Due for Escrow ( for Taxes and Insurance ). Before XXXX/XXXX/2016, the Escrow Amount Due was {$71.00} and for the XXXX/XXXX/2016 statement, the Escrow Amount Due was {$270.00}, a {$200.00} increase per month. 

I want to know what is the reason behind such a high increase per month. Is it an increase in property value, property taxes, insurance, and if any of the above, why? I believe I have a right to an explanation and a right to see the breakdown information supporting this {$200.00} increase per month. 

** Please advise immediately. 

** I have a right to a clear explanation and do not wish to be charged this amount for the XXXX XXXX, 2016 statement, unless I receive a comprehensive explanation. 

Other relevant information : my loan servicer changed and my loan was transferred to Specialized Loan Servicing ( SLS ) from XXXX XXXX XXXX ( XXXX ) in XXXX 2016. My Escrow Amount Due for XXXX/XXXX/2016 was {$190.00} when my loan was first transferred, my Escrow Amount due for XXXX/XXXX/2016 ( the next month ) was {$71.00}, and my Escrow Amount due for XXXX/XXXX/2016 was {$270.00}. 

Thank you.

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 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
I started a loan modification with XXXX XXXX in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. Niine months into the process they sold the loan to SLS after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. SLS service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when XXXX sold the serving it included both the XXXX and XXXX because they were differing ,XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to XXXX and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with SLS. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from XXXX. I requested my note from XXXX over 45 days ago and they still have n't provided it. XXXX reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to SLS and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies XXXX ( original lender ), SLS ( XXXX servicer of my loan and loan modification provider ), XXXX ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 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: Robinson, Reagan and Young PLLC
State: FL

Complaint narrative:
I recieved a letter marked XXXX XXXX 2015 from Robinson, Reagan, and Young pllc.The letter states that I owe {$160.00} to XXXX.I sent a letter back certified and it was signed for by an XXXX XXXX I believe ( cant make out signature and name was not printed ) on XXXX/XXXX/15. In the letter I asked for validity of this debt, copies of bills, why they think I owe this debt, and name and license number of the agent for debt collection in the state of Florida.I recieved another letter a few days ago just saying I failed to communicate with them about this supposed debt and to avoid action taken against me to call and make arangements.they did not address any of the questions I sent in the certified letter.I believe I am being scammed by this " business '' and would like some help please.

Company response to consumer: Closed