vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK
State: MI

Complaint narrative:
I applied for a in school deferment a couple of months ago. I called to check the status of the difirment because it was time for a payment and I have automatic draft. The rep. Stated the difirment was on the account and all the information was in that was needed. She told me that she would cancel any future automatic drafts this was in XXXX. On XXXX XXXX another payment was taken out. That Friday I called and spoke with another rep who said she wold cancel the automatic draft and have someone call me back to refund my money and that someone from that department would call me Monday or Tuesday. Today by XXXX I did not receive any calls so I called once again because I was not able to make payments on another bill because this money had been taken out. The rep today explained the automatic payment was not canceled again and tha the difirment has not been accepted. I was very upset and needed to calm down and did not want to take it out on the rep on the phone. She gave me a number to call a supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
I closed out my Discover credit card account months ago due to a dispute over Discover billing and late charge practices. On XXXX XXXX, 2016, an unauthorized payment of {$32.00} was made to the XXXX company by Discover without my knowledge. 
or consent, for a product I did not order or receive. 
When I signed up for the card, it was because Discover advertised it would never pay a disputed bill. Now Discover is demanding payment for a charge made against a canceled and destroyed credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I am writing to complain against BECU 's punitive and uncompromising charge of {$25.00} against a transfer I tried to make and which BECU rejected for insufficient funds. On XXXX, I tried to make an overseas deposit for {$1000.00} using the XXXX. I requested XXXX to cancel the transaction immediately on XXXX when I realized that I ordered the transaction from the wrong bank account, but it appears that XXXX did not honor my request. I called XXXX and they said they were looking into the issue. Today I called BECU.org and explained my problem and requested a reversal of the charges but they refused. My complaint is that although BECU rejected my transaction, the BECU Credit Union still fines me {$25.00} for the transaction that they dishonored. I would have understood if BECU honored the transaction by giving me an overdraft and then charging me a fee, but they did not. I have had an account with BECU for a while, and I have never had a failed transaction. BECU prides itself as a CREDIT UNION, and it proudly advertises itself as more caring and friendly to its " members '' not " customers '' as the big banks call us. I suppose the word " members '' to BECU means the same as the word " customers '' to the big banks ; it 's just a matter of semantics ; the word " members '' sounds friendly in need and not in deed, because the bottom line is the same : " we, your friendly credit union, will not give you, members, a first time warning, but PUNISH you with an unreasonable fee even if you make a transaction that does not go through, and even if we ( BECU ) do not incur any loss of funds on our side, and that is the rule and that is how we treat our MEMBERS. '' I find this policy punitive and disrespectful and BECUs business practice loathsome and as pleonexic as the big bank 's policies. Please help me recover my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
i miss a due date by XXXX day and my credit card company increased my rate ... when I had an excellent pay history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
fraudulent charge showed posted to my credit card account. Charge XXXX XXXX FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is a follow up to case number XXXX. The company responded with a request for more time to investigate the issue due to the complexity of the nature. My complaint was submitted over six months ago, and I have not yet received any response. The company claimed I had no credit history, though I had a revolving account in good standing established with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Coastal Credit, LLC
State: PA

Complaint narrative:
This is the issue I DO N'T HAVE A LOAN with this company. Supposedly XXXX XXXX used me as a REFERENCE ( without my permission ) on her car loan at Coastal Credit LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, IN XXXX, Phone - Customer Service/Collections : ( XXXX ) XXXX Coastal Credit calls me on a consistent basis looking for XXXX. So far Coastal Credit has called XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I have asked Coastal Credit on at least XXXX occassions to STOP calling me. Coastal Credit keeps indicating XXXX gave them permission to call me by using me as a REFERENCE. I Stressed to them that I did NOT owe them any money and QUIT calling me. Coastal Credit keeps stressing they are going to KEEP calling me until I get XXXX to contact them. That is BLATENT HARASSMENT!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Transfer BalancesDiscovercard - when you transfer balances from other cards to Discovercard they have a low rate for a period of time XXXX, but when you make payments they apply to the transferred balance and not the pervious balance on the card which is XXXX .... so there is actually an increase in interest rate to XXXX which is unfair and a fraud type of transaction. 
Al payment should be applied to the older balance due - first in first out. This practice was not disclosed .... the Company when called, says they have to do this by law which is false!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc.
State: CA

Complaint narrative:
I am trying to find out how I have medical bills in my name that I have never received a bill for and I would like to be shown proof of how these bills are mine and where they addressed the bills too I never received any bills because I did not make them. I want to see some type of proof that they have that identifies me making these bills when the dates on them do n't even account for me living in or around the area these bills claim I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
XXXX FILE NUMBER I 'M NOT ASKING DISCOVER FOR ANY FUNDS TO BE RETURN BACK TO ME I JUST WANT THIS FRADULENT ACCOUNT REMOVED FROM MY CREDIT REPORTING BECAUSE I DIDNT OPEN THIS ACCOUNT AND I DO N'T THINK ITS RIGHT FOR ME TO HAVE THIS ON MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants Credit Assoc. Inc SC
State: SC

Complaint narrative:
Merchant 's Credit Association In XXXX , SC is attempting to collect XXXX accounts from me, both of which I do not owe. XXXX they state is for {$76.00} and the other is for {$48.00}. My insurance covered these services and I was never told that I had any balance owing. I have disputed these claims with this collection agency and have had no response to my disputes or request for proof. They are reporting these items to the credit bureaus fraudulently and I want them removed asap. In addition to trying to collect on money that is not owed, I have received harassing/threatening phone calls and letters even after I have asked them to cease communication due to the rude and unprofessional way in which the representatives have addressed me when I try to dispute these claims. One letter I received dated days after I last disputed these accounts was demand for payment, ignoring my previous disputes. They stated they will use whatever available means they have to collect, but do n't indicate exactly what they mean by that. The letter goes on to inform me that my name may be listed on a " XXXX XXXX XXXX '' that employers and creditors have access to, and that these erroneous charges may affect future purchases and job opportunities. I find this to be very threatening, especially since I could not locate any information on a " XXXX XXXX XXXX. '' This all seems to be very misleading. I have attached a copy of the letter for XXXX of the XXXX accounts this company is claiming that I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
My credit acceptance account says late XXXX payments. That is not true. It was 6 months then there was a payment arrangement made with this creditor For XXXX per month from XXXX thru when the account was caught up. There was never a re written document to show with this payment arrangement I would be considered late for XXXX payments.

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 monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRINITY HOPE ASSOCIATES
State: NY

Complaint narrative:
Collection Agency has reported invalid debt to credit bureaus. 
I contact the collection agency to determine what this debt was for and told it was for XXXX XXXX XXXX XXXX, a doctors office I had prior services from. I contacted XXXX XXXX XXXX ( XXXX XXXX ) and was told that they billed through XXXX XXXX Hospital and did n't have a record of this debt. I then contacted XXXX Billing Office ( XXXX ) who I have a monthly payment for over {$1500.00} of medical bills and I was told that although I did have open accounts with XXXX XXXX XXXX XXXX, none were for the {$28.00} being reported and that they had n't reported any of these debts as they were in good standing. I again contact the collection agency and asked for validation of debt. They never sent me anything. Definitely not a valid debt. Will also be contacting NY State Attorney General about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ZWICKER & ASSOCIATES
State: NY

Complaint narrative:
The debt collection firm, Zwicker & Associates, PC called at my place of business at odd hours, harassing me about an alleged debt. 

I spoke with XXXX XXXX XXXX XXXX who claimed to work for Zwicker & Associates and I had asked him to provide me with the proof of the alleged debt from XXXX XXXX to be sent to me by XXXX, which was never received. 

On XXXX XXXX, 2016 I responded to a message left with my answering service and called the number XXXX and asked to speak with XXXX XXXX. 

The company switchboard answered and did not recognize his named I am concerned about the harassment from this debt collector and their communication tactics as well as their misrepresentation about an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I had a loan thru credit acceptance corp, IN which I had full coverage insurance thru XXXX insurance company, I also paid {$800.00} For GAP INSURANCE coverage to cover what XXXX did not pay.XXXX Claimed the XXXX XXXX was n't worth but {$3000.00}. GAP insurance only paid {$1500.00}, it states in my documents that it would cover what ever was owed, I GOT SCAMED! THE PRICE THEY FINANCED WAS {$7900.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
This law firm has not contacted me via email, mail, nor telephone in reference to my credit card debt. However I am receiving letters from other law firms to defend me in reference to a lawsuit filed against me from this law firm that I did n't know exist. This is a scary yet unprofessional matter!! I 've tried to contact this company several times and I 'm getting nowhere. This is a matter I would like to resolve professionally before it gets outs of hand ... This law firm is unpredictable and very shady..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WI

Complaint narrative:
Luckily I received a message from my Homeowners insurance representative last night ( XXXX ), notifying me that my homeowners insurance had not been paid by my mortgage company and that there was only four days left until my insurance would be cancelled. 
My mortgage ( and accompanying escrow account ) was purchased by Carrington Mortgage in XXXX ( from XXXX ). I looked at my account online and it said there was no record of the homeowners insurance being paid, but THEY HAD UPDATED it to say that it was n't due again until XXXX of XXXX, meaning they had made the changes on my online account to MAKE IT LOOK LIKE they had paid the insurance. I looked up my insurance account and the renewal notice had been sent to Carrington XXXX XXXX XXXX. Which means that they had over three months and did n't pay it. This morning ( XXXX, XXXX ) I called Carrington ( and got more than the usual run around ), and they could not tell me why they had n't paid it, and refused to pay it until they spoke with someone in my insurance agency. They also told me that both that the policy had and had n't been cancelled yet. They refused to tell me that they would actually pay the bill for the insurance. They refused to do anything to help ensure that I would continue to have insurance, aside from call my insurance agent. When I asked for something in writing to demonstrate how they would prevent this from occurring again she refused. So they breached the implied contract of my escrow account and refused to put in writing the service they are obligated to provide. 
I later called my insurance agency ( XXXX, XXXX ). XXXX was very helpful! They had just spoken with someone from Carrington who was not helpful. XXXX told Carrington that my homeowners insurance would be completely cancelled at XXXX Sunday night. Carrington agreed to send a check by overnight XXXX, however refused to agree to send it today. 
Indicating Carrington Mortgage Company purposefully and knowingly refused to pay my homeowners insurance ( that is their responsibility to pay on time ) either on time or in time to prevent me being without homeowners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
I received an escrow analysis from my mortgage servicer Loancare on XXXX/XXXX/XXXX. There was a check for {$170.00} for overpayment to escrow. Then I notice, they raised my payment by almost {$100.00} per month for an anticipated escrow shortage for XXXX. Looking closely at the analysis, I saw a gross miscalculation on what my next years taxes would be which is why they were raising the payment. I checked with XXXX to assess what the taxes would be and was correct that Loancare made a gross error. I called Loancare immediately and sent concern via email. Email went unanswered. The agent I spoke to could see the error and requested a new escrow analysis. 2 weeks later I received a statement still indicating the wrong payment amount and no info on the new analysis. I called again and was told the new escrow analysis would not be complete till XXXX XXXX. I expressed concern about my XXXX payment. I was assured it would be done in time. Checking account on XXXX XXXX showed no change. I did send a payment of {$1200.00} which was less than the statement, but more than what I should have been charged to cover escrow and called again ( XXXX XXXX ) I was assured they knew of the error and they were working to correct. Today, they show receipt of my payment, they took PMI ( which I 've asked to be removed since my loan to value warrants, but they say they can keep charging for the first 12 years of the 15 year loan ) but have not applied the rest to my account. Now I 'm afraid my credit rating will be damaged because of their error and their lack of attention in getting resolved in timely fashion. Tried to call today to check status and was on hold for 20 mins. Gave up. 
They are already holding way more of my money in escrow than allowed by law, and now endangering my good credit rating by not applying the payment I made. I am in progress of refinance to get away from them. But you should know, this company seems to have some very dirty practices in taking and holding customers money. 2 months to resolve an issue like this with as many calls as I 've made to them is incomprehensible. They do not respond to requests and issues made in writing either. 
Even if you ca n't help me, LoanCare 's practices and customer treatment should be looked at. I would bet I 'm not the only XXXX they 've done this to. 
Feel free to contact me if you need more info. 
XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
BBVA Compass has been terrible to work with since they changed our mortgage conditions XXXX days before closing on our loan XXXX years ago which almost prevented our closing. As a result, we are paying off our mortgage early to not have to deal with them anymore. 
They are again consistent with their poor service that we have come to expect. We paid off the loan on XX/XX/XXXX ( it is now XX/XX/XXXX ) and still have not received confirmation that the loan is paid in full. Surely it does not take almost a month since we wired the money to their payoff instructions. 
I would caution anyone who is thinking about a mortgage with BBVA Compass to look elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a compliant with case # XXXX through the XXXX and ARS removed the delinquent account from my credit reports because they were unable to provide any original documents with my signatures on it. Now a year later they went ahead and put the information on my credit again, without providing any of the original information I requested or any new information. Gain I submitted a letter requesting copies if original documents showing I indeed owe this amount. I sent this letter certified mail, which they received XX/XX/XXXX. ARS has never communicated with any of the information i requested. Furthermore, ARS has put this collection on my credit reports before even sending out any letter to me to allow me to dispute the debt. The only reason I know of the debt is because i check my credit reports monthly. ARS violates the law and continues to get away with it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: ALLIANCE FINANCIAL RESOURCES
State: CA

Complaint narrative:
My husband and I started the process of purchasing a new home in XXXX XXXX. We reside in XXXX and the new home is in XXXX. Our intent was to close by the end of XXXX to claim on our taxes for XXXX. Our loan officer made all these promises that he failed to come through on. The interest rate we were quoted and agreed upon rose considerably. He failed to contact us prior to the rise in interest rate. We were lead to believe that we were locked into the interest rate we were told. He said that he didnt lock it prior to the increase because " that could of cost us money ''. We went above and beyond to supply him with everything he requested. We paid extra for paperwork to be expidited, for appraisals to be expidited, we missed work causing loss of income. All this and we didnt close escrow until XXXX XXXX, XXXX. His lack of care, was evident during phone conversations between myself and our loan officer and my husband and our loan officer. His lack of concern for us has cost us plenty of money. We are not able to claim the cost of this purchase on our XXXX taxes. Our mortgage payment is considerably higher. We are trying to help ourselves when we retire. Our realtor is refusing to ever use this company again. He did not even apologize for his actions. He told me in a phone conversation that he just wanted it to be over with. Who says that to their client who has put their trust in them and is paying them their hard earned money? He needs to be held accountable for his actions. Nothing can be done about the late closing date but he needs to honor our original interest rate, even if it costs him. Our realtor has told us there is something he could of done for us to make this right. He has chosen not to. Thank You.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation