vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
I had XXXX accounts with credit central. In the last few months I got behind. I started paying XXXX check for XXXX accounts each month. I advised the manager XXXX XXXX on several occasions that I was paying XXXX check for XXXX accounts. She continued to insist that I was behind even though I was paying XXXX check for the XXXX accounts each month with late fees included. In XX/XX/XXXX I went to the location I discovered my account was overdrawn and stopped to tell her the check I wrote would bounce and told her I wanted to pay her cash to take care of the bad check, the fees, and bring my account current through XX/XX/XXXX. She said the amount would be XXXX. I had XXXX. She did n't have change and had to go to the bank. She was gone half an hour while I sat waiting. She then took twenty minutes to figure out how to post the money. She printed me XXXX receipts total. First she printed XXXX, XXXX for each account. When I saw she charged me a returned check fee two times for XXXX check she called corporate. They told her there should only be XXXX fee. She then reposted my cash, printed me XXXX more receipts XXXX on each account, and when I saw the remainder on the small XXXX was XXXX I then gave her cash to pay that off. I told her I would be back in XX/XX/XXXX and she agreed. Then three days later I got a call that I owed te bad check and fee when I had just paid it. I advised tee to have XXXX call me. She left a voicemail I tried three days to call back but she was always in lunch as I am only call at lunch when I am not having a business lunch. We played phone tag. After two weeks of working solid teaching classes I called and tee said I owed XXXX my payment on the account not paid was around XXXX. Tee said I owed the bad check, the fee, two payments and late payments and another XXXX she could n't explain. I looked at the receipt XXXX and none reflected I paid XXXX for all of that. The only receipt that was right was the one that showed I paid off XXXX account for XXXX. The others did not add up to XXXX cash I had given her. This manager either posted my money wrong or flat out stole it. I no longer have the receipts but I am sure the company must be able to pull things like that. Two years ago they called me and said I was late on a payment I had given them when i went to pay the payment after cancelling the check they said they did n't have, I showed the girl at the desk that my check was laying right there on her desk ( the XXXX I had paid to cancel ). I drove up there on lunch to give them something they already had. I should have filed a complaint then but did n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
In XXXX XXXX I was looking for a cheap vehicle to purchase when I received my yearly income tax refund. I came across a small used car dealership near my home here in XXXX, XXXX called XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. ( XXXX ) XXXX, ( XXXX ) XXXX. The Business was owned and operated by Both XXXX XXXX and XXXX XXXX who also owns XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. I had found a Small AWD XXXX Suzuki Aerio Sx vehicle that was on there lot.. A verbal agreement of XXXX was what the dealership wanted for this little car. However due to my income tax only being around XXXX we had agreed that I could use that money as a down payment and lease the rest. They had me lease the Vehicle with a company Called Credit Acceptance Corporation of XXXX XXXX XXXX XXXX, XXXX XXXX Phone number XXXX XXXX. Which I then find out the vehicle had be lease for 4 times more then what the dealership was asking for the vehicle. The agremment was made for XXXX and now instead I 'm locked into a lease agreement with Credit acceptance Corporation for over XXXX not including the down payment in cash that XXXX XXXX XXXX accepted in the amount of XXXX. Any help with this situation will be greatly appreciated. Screen shots of the XXXX conversation that started in regards to the vehicle has been attached to the complaint. Owner of Auto dealership quickly deleted XXXX page after sale.

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 2017-02-24 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: CO

Complaint narrative:
I have had repeated problems with Discover Student Loans. I did not choose this company - they purchased some existing student loans I had with XXXX, so I was never given the option to use the free market to find a company that provided better service. 

My problems with Discover began almost immediately. The monthly payment amount they wanted was very high, and I was working for a non-profit, making too little to afford the payments. I called repeatedly to ask for a modified payment plan, but was told that they did not have one yet. So I made their payments and began to put necessities like groceries on credit cards. 

My interest rates on my Discover loans are through the roof and keep going up : currently 7.75 % and 10 %. They 've gone up six times in the past year, including twice in a single month last XXXX. Because they keep increasing my interest rates, my payments go up, too, because the loan term does n't change. I asked if I could renegotiate the loan term to make my payments more affordable, and was refused. 

Last year, I experienced further financial hardship when I moved cross-country and changed jobs. While my increased hardship was temporary, as I had taken a higher-paying job with a for-profit company, Discover refused to grant me a deferment of a single month. My income was too high. I was instead granted a six-month reduction in my payment amount, from {$490.00} to {$380.00}. I still was unable to pay that month, but I diligently made every payment following, adding {$16.00} to each payment in order to make up for the missed payment over time. In spite of this, I began receiving calls three times day, every day, hounding me for the overdue amount. I requested that they stop or at least decrease these phone calls, and they refused, saying they were within the law. I had to block the number. I have not missed a payment since I had that difficulty last year. 

At some point, my six-month payment reduction ended. I received no notice that it was ending, and did not even realize it had ended until I spoke with customer service today about my overdue balance increasing instead of decreasing. For months I have been making payments that I thought were a little extra, but were instead more than {$100.00} too little. 

Even when I had near-perfect credit, the only refinancing I could find was at a rate even higher than what I 'm paying now. My credit was damaged during the period of financial hardship mentioned previously, so now I ca n't find refinancing at all. I want to pay my debts, and I want to work with this company to make my debt payment manageable. But Discover will not work with me to come to a reasonable compromise on the monthly payment amount. I 'm not sure what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
XX/XX/XXXX, I co signed on a car. Later I had to file bankruptcy. Credit acceptance was still sending me letters while I was under bankruptcy. My bankruptcy was n't dismissed until XX/XX/XXXX. I stop working XX/XX/XXXX. I received a citation from the sheriff XX/XX/XXXX. I immediately called the number on the paper to let them know I was not working. I was told when I start working I could set up a payment arrangement. For three years I have been unemployed. I just started working two months ago. I called to set up a payment arrangement, I was told I was garnished and that 's it. I went to the court house they told me credit acceptance never sent me a court date to appear in court. They also lied and told the court I ignored the citation. I have my phone records to prove I called them right after the sheriff served the papers. The citation paper have XX/XX/XXXX for XXXX. The papers that were sent to my job says XX/XX/XXXX for XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 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: Professional Debt Mediation, Inc.
State: NJ

Complaint narrative:
A debt that I do not owe has been sent to PDM Debt Mediation against me by my former landlord, XXXX XXXX. 

I was XXXX of XXXX tenants living at XXXX XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX in XXXX. In XXXX XXXX, my co-tenant hosted a party at the apartment. My understanding is that various property in the apartment was damaged during a fight that occurred during the party. However, I played no role in the party or the fight and therefore owe no responsibility for any damage resulting from the fight. 

Additionally, in XXXX XXXX, shortly after the incident, the landlord of XXXX XXXX told XXXX of the tenants, XXXX XXXX, that every tenant in the apartment needed to move out within three days, or XXXX/XXXX/XXXX. Verification of this is submitted here in the form of a letter sent to me by XXXX XXXX, the Leasing Consultant for XXXX, dated XXXX XXXX, XXXX. At the time that I was informed that I needed to vacate the premises, there were still roughly 9.5 months remaining on the one-year lease, which was set to expire on XXXX/XXXX/XXXX. 

I interpreted XXXX XXXX 's letter to mean that I was being evicted from the property by the landlord. Within three days, I vacated the premises by surrendering the keys to the landlord in compliance with the landlord 's order. Shortly after this, I received a letter from XXXX XXXX informing me that I would be charged {$22000.00}. 

I would not have moved out of the apartment had the landlord not told me that I was required to. Instead, I would have discussed with the landlord various ways of paying for the damaged property and then would have sought to be compensated by my co-tenant who was responsible for the damage. 

However, the landlord simply kicked me out of the apartment and pre-emptively charged me the remaining balance of the lease more than 8 months before the lease was set to expire. This deprived me the opportunity to mitigate my damages. 

Under New Jersey law, a landlord is required to mitigate damages regardless of the reason why a tenant vacates an apartment. See XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX ). In this case, the landlord clearly did not mitigate damages ; she simply sent me a letter stating that I owed the remaining balance on the lease even though at the time the letter was sent, there were approximately 9 months remaining on the lease. 

Additionally, I believe the landlord wrongfully evicted me from the apartment. Under New Jersey law, a landlord must give at least 30 days notice before telling a tenant to move out. N.J. Stat. Ann. 3A:18-61.2 ( b ), 2A:18-61.1. In this case, however, I was told I had three days to get out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A THREE WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?

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 2016-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Columbia Recovery Group LLC
State: CA

Complaint narrative:
The company that submitted this debt is a new management company that took over a rental unit I was renting. I paid the full amount to the office staff in the crossing at the bay. The company fired the office staff and got a new name and new management and the submitted this collection in error where it was paid in full. I went to the office and spoke to the last office staff XXXX that was still there and she told me not to worry bout it will be removed. It 's not my fault she see the account paid in full. Original amount was XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
I was never contacted and properly notified by this collection agency for some old medical bills they were attempting to collect. My first notification came in the form of checking my credit report and noticing the collection accounts noted on my report. I immediately contacted them to make some sort of arrangement. I informed them that I wanted a pay for delete or else I could use HIPPA rights and force the original creditor to take the account back, paying the original creditor directly and avoiding the items being reported. The collection agency then, sensing they would loose out on approximately {$800.00} promised to remove the derogatory remarks, since I was never properly notified, if I paid them directly. I paid them directly, and they removed XXXX of the accounts but XXXX remained. I have been contacting them and calling them to no avail. I feel completely defrauded and my rights were violated. Their only interest was collecting the money. They have destroyed my credit and have caused me to loose out on credit being extended to me. I want them to fulfill the promise made to me as I followed thru on my promise and paid them in full. The agency in question is called MID Michigan Collection Agency in XXXX XXXX Michigan ( email XXXXXXXXXXXX ). Their phone number is XXXX. Please help! I feel so victimized. I have sent letters to the Michigan State Attorney General as well as the FTC. I also understand that they broke the law by even promising a pay for delete so now it makes sense to me why they are bailing out and refusing to go further with my accounts. So many laws were broken here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I closed on a land loan through the XXXX ( XXXX ) in XXXX. They have contracted through Dovenmuehle Mortgage Inc. for loan servicing. To say that Dovenmuehle Mortgage Inc. is inept would be giving them too much credit. To date I have been unable to access my account through their website XXXX.com and repeated attempts ( over 30 phone calls and representatives ) have been unable to provide any resolution. I have already exhausted every level of their Tier support system and have had over 10 phone calls either disconnected or outright hung up on me. I sense there is some type of fraud being conducted because they refuse to give me access to my loan balance, escrow and payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
Discover Financial Services posted a negative statement I was late in making a payment. Not true -- XXXX XXXX XXXX of XXXX, XXXX issued a legal document, and notified Discover Credit Card that I do not owe them the UNAUTHORIZED charges they originally submitted back in XXXX 2015 for {$1400.00} and {$450.00}. 

I never did business with this company other than get an estimate via phone with XXXX XXXX. I believe that their Quality Assurance guy XXXX, after talking to my son, may have been the culprit for these postings the next day. 

I faxed all the executives in IL a copy of the legal document and also mailed a copy to their Dispute Center ( which incidentally told me via " XXXX '' to stop sending them emails ). I got no confirmation from them that they received this document. I called XXXX XXXX XXXX to help me, but apparently there was nothing they could do according to them. 

Discover has ruined my pristine credit of many, many years. I am recovering from XXXX in XXXX, XXXX and longing to go home to my state of XXXX and get proper medical treatment. 

Please help me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: SC

Complaint narrative:
After cancelling paperless billing with Discover Card because the online bills were always blank, My paper statements are not sent to me. I have to remember to call Discover Card every month and have them create and send my statements. Their customer support always tells me that everything looks fine on their systems but yet the statement is not sent unless I call and tell them I have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Rent Recovery Solutions, an invalid debt on my credit repot, was removed due to the inability to verify the debt was accurately mine on the week of the XXXX of XXXX. Upon checking my credit information on XXXX/XXXX/2016, I observed this item was put back on my reports. I did not receive any verification of why this item was placed back on my reports. Also, this item is shown TWICE on my XXXX for the same debt, only the account number was changed and the amount decreased by {$1.00}, which deems this act to be an unlawful practice in an effort to continuously put and keep this fraudulent account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: OR

Complaint narrative:
I had asked Discover on three times to close account as allowed in our agreement but they failed to do so until the third time adding fees and interest in excessive of what should have been owed of they honored my account to close account one first attempt as is allowed by agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Other financial service — Refund anticipation check
Issue: Excessive fees — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
My wife XXXX and I sold our house in XXXX ( NH ) on XXXX XXXX of this past year. The closing date was XXXX XXXX, 2015. At that time, {$1500.00} of the sale price was not returned to us due to a title issue, the funds being held in escrow by XXXX XXXX. The title company requested a corrective discharge from XXXX XXXX XXXX because they discharged the loan without having ownership of the it ( i.e., the loan ). They, in turn, have requested an assignment of mortgage from XXXX ( account # XXXX XXXX to XXXX XXXX XXXX in order to " make the discharge valid ''. Despite the many attempts by XXXX XXXX, Closing Coordinator at XXXX XXXX, all requests for action have gone unheeded. She was told in XX/XX/XXXX that there would be a resolution in 2-3 weeks, but nothing has happened. In the meantime, {$1500.00} of our money has been tied up for nearly eight months through no fault of our own. 

We are writing to request that your office intercede with the XXXX banks in resolving this matter on our behalf. Thank you very much for considering this request. 

Sincerely, XXXX and XXXX XXXX XXXX NH XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
They said once they received a letter from the bank that there was a typo on giving me my new account number that they would reopen my account but they never did!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX DISCOVER FIN SVCS XXXX ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX DISCOVER FIN SVCS XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DISCOVER FIN SVCS XXXX acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation