vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
According to information presented at XXXX the XXXX HSBC Settlement agreement addresses HSBC 's alleged misconduct regarding its mortgage servicing and foreclosure practices. 

As outlined by the Consent Order ( XXXX ) we have not received any information about our specific HSBC loan in which multiple illegitimate foreclosure attempts by HSBC were made, trial and temp modification were fraudulent and deceptive, and gross neglect of law was commonplace with HSBC and their representatives. We defended XXXX XXXX XXXX XXXX erroneous foreclosure attempts alone on this account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, and each XXXX of them was full of fraudulent and abusive actions. The latter foreclosure attempt was also abandoned by HSBC for over six ( 6 ) years. 

I do n't really know where to begin with informing you and others about the elongated problems with our specific mortgage mess. I can only share our information so you can get a clearer picture of the atrocities my wife, family, and I have endured as a customer of HSBC from XXXX, XXXX through to XXXX, XXXX. I can provide further evidence or information upon request. 

When we reached out to both the XXXX HSBC Settlement staff ( by phone ) and the Office XXXX ( by email ) earlier this month, they both informed me that they can not help us. They are simply enforcing information they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX/XXXX/16 Equifax reported XXXX accounts from XXXX which in which XXXX XXXX was the original creditor ... .I disputed the account because I never lived in XXXX XXXX so Equifax DELETED the accounts On XXXX/XXXX/2016 Equifax repoted the same accounts under a different debt buyer. XXXX. I was not notified of the accounts. This is re-aging an account. Equifax an XXXX have not validated the account according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have an account on my credit report that has been on my credit report goin on 10 years. I called Equifax to have this item removed because of the amount of time on my report exceeds the 9 year requirement. I have had it removed from XXXX without any issues, and Equifax refuses to help me in anyway. I just do n't understand how a company that has so much control over our finances can be so inconsiderate to XXXX an important issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Judgement showing on my credit report was never recorded and was paid to the original credit before filed. I have disputed 3 times through bureaus and they keep verifying it but the record is wrong. The judgement was never filed and should be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Seterus Inc. using deceitful tactics to get an extra payment on my mortgage. 
I am trying to sell my house. The title company sent a document for me to sign requesting Seterus company ( XXXX mortgage ) and XXXX ( XXXX mortgage ) to release payoff documentation on XXXX XXXX. XXXX XXXX sent the information within a day. Seterus company sent a confirmation that they received the document. The Title company never received the payoff document. 
We called today as we had not received anything and were told they had to confirm with me because it was not clear and the form did not have the word " release '' ( the form I used said " furnish the title company with the pay off quote '' ). Bottom line, it would take 2 weeks from today ( 10 business days ) to receive this document. That means my closing will be delayed 3 weeks and at that point a new mortgage payment will be added. 
I called in the afternoon to request a payoff sent to me so at least the title company can start working with the numbers and I was told I was not " eligible '' for a payoff request (??? ). I requested to speak with a supervisor and I was yelled at saying what part of no I did not understand and that a supervisor would tell me the same thing.. I was put on hold and then she hung up. I called again and was told the pay off request for the title company had been cancelled ( I assume the representative that yelled at me did it out of spite ). Thankfully the new representative XXXX XXXX was very kind and put it in the system again to order the payoff. Now it remains to be seen if I get one or not. 
I would also like to let you know that the last 2 years they have failed to pay the homeowners insurance on time, had the policy cancelled on me, and both times my policy went up because of it ... money that Seterus made me pay by increasing my monthly payment to cover the escrow deficit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
After subscribing for some time to Equifax monitoring, I decided that the service was simply too expensive to continue. After logging in, and searching ENDLESSLY for a cancellation feature, I FINALLY found it by doing a website search. In order to cancel your account, you MUST call Equifax ... what a HASSLE!!! OK I called Equifax ... .navigated a confusing number of options on who to call. Called but was told I needed to go to another option, dialed back wasting more of my valuable time. I then waited on HOLD listening to bad music for nearly 15 minutes!!!!! After finally talking to the operator, they asked me all sorts of questions, in fact it was my feeling that they were trying to find a question that you may not remember from the sign up process ... ..totally needless in my opinion and unnecessarily simply to cancel an account. When I could not remember one of the numerous questions I thought they were not going to allow me to cancel. Luckily I had the name of my fictitious pet name written down!!! Then they started to ask me all sorts of never ending questions of why I wanted to cancel ... ..THEN ... they started to try to sell me on staying or subscribing to another product and telling me all of the negatives why I should not cancel. Finally I lost my patience and demanded that they just cancel the service. I felt bad for this person who is obviously trying to do their job, but this was just too much. 
Is it not bad enough that we the consumer MUST PAY to monitor ERRORS that they collect on our files? For the high cost that I must pay, there should be at least an EASY WAY to cancel your service. 
I believe that cancelling an account you are paying for should be EASILY ACCESSIBLE without going through their labyrinth to discourage people from actually completing the cancellation. 
I guarantee you that many people would have given up putting this off to another day, and that I believe is the intent of this ridiculous process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: NC

Complaint narrative:
Seterus, Inc was my loan servicer. They have been paid in full as of Monday and are holding an overage of aproximately {$120000.00}. Seterus, Inc is still not reporting they paid in full status, continues to ask for a payment and claims the full payment is " pending '' and will not give a concise answer regarding the money due me. The home was destroyed due to a fire, I am a single parent, and can not rebuild without the insurance money they are not releasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover Card Services : Being on a card assistance program that has not delivered on its promise since XX/XX/2016. Been reported late with the credit agencies, when I could be as was discussed back in XXXX and being charge late fees also that should not be there, all my progress in paying my debt was reversed and charge back to me. Any help, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Reference to complaint XXXX. Have twice attempted to submit DISPUTE with two different operating systems without success. Have returned to this format for DISPUTE. 
DISCOVER has failed to provide remedy to original complaint/question. We 're not interested in the company line that we 've been told time and again. We 've asked for an account audit from XXXX through XXXX to determine when/why " purchase '' balance was transferred to " cash advance ''. As previously asserted, we have never used " cash advance ''. 
Why would DISCOVER Fraud send us a letter stating an investigative determination in our favor and proper adjudication forthcoming? 
Why is it so difficult for corporate America to do the right thing. 
Really. Seriously. If it was your mother who found herself in this situation, would n't you do everything possible to help her? Would you tell her, sorry mom - you 've got no proof. 
Would n't you use all of your corporate knowledge and assets to find the truth? 
It 's data. It 's stored. It 's in your possession not mine. 
Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Please refer to the previous complaint submitted to CFPB. Case number : XXXX. Discover Bank official who responded to it few days back is lying. Today I received an email message via the secure message center and also spoke to Customer service at XXXX. I was told told in both the communications ( email and telephone ) that i will be getting the promotional bonus. 
XXXX XXXX to XXXX XXXX talked with XXXX. 
Confirmation # XXXX. 
called at XXXX Called from my cell phone XXXX XXXX confirmed the promotion code and all the details with me and she told me i will be getting the promotional bonus of {$100.00} on XXXX/XXXX/2015. Let 's see how much DFS keep up their words.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN

Complaint narrative:
Credit Bureau Systems has withheld verification information and thus fraudulently represented a debt, for which they are claiming I am liable. Credit Bureau Systems failure to provide pertinent information regarding their claim, which I am entitled to under the Federal Fair Debt Collection Practices Act, has resulted in my inability to resolve the dispute in a timely manner, despite repeated requests ( both by phone and certified mail ). 
When asked, during our most recent phone conversation for the information I requested, and am entitled to under Federal law, the Credit Bureau Systems employee ' responded by saying the Hospital network ( and originator of the alleged debt ) " ..had been hacked, so I ca n't do that '' and then hung up the phone. Their harassing tactics have delayed a resolution, as a XXXX, they have impeded my education. I can not pay for schooling without federally obtained loans, and they have been withheld, pending a resolution of the collection claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
As part of the agreement I entered into with Discover for a credit card, I was offered an additional incentive where they would credit my account with additional cashback rewards at the end of my first year. Once the first year came to an end I called Discover to confirm that those rewards were coming my way, and also to verify the amount. 
This is the transcription of the video recording I took during that phone call. 
XXXX : I wanted to just confirm one more time on the last thing we talked about, you said that all of the cashback I got from the last year was about {$350.00}, and then in a month or two I 'll get double that credited to my account? 
Discover : Yes sir, that is correct. 
XXXX : Okay, great, just confirming one more time, thank you. 
Discover : You 're welcome sir, have a wonderful evening. 
END As of today, XXXX/XXXX/2016, my end of year cashback rewards have populated on my account, but not in the full amount explained to me over the phone. The amount they credited was {$360.00}, this would be the amount referenced in the above dialogue that should have been doubled, but was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: ME

Complaint narrative:
Over the XX/XX/XXXX/XX/XX/XXXX I fell behind in paying my bills. When the credit card companies called I spoke to them and told them that when I started working again and was able to make a payment I would notify them. There is one company that has called almost every day since XX/XX/XXXX, Discover Card. They call on Holidays and Sundays, several times a day. I told them that I run a XXXX and that is a XXXX. I live in one of the poorest counties in Maine, it is now XX/XX/XXXX but business is still extremely slow. I do n't have money for them. On XXXX XXXX I started receiving general assistance from the town. On XXXX XXXX they plan to seek legal action against me. They call and say you must call us in the next 48hrs or else. If I had the money I owed them I would pay them. I was XXXX for thirteen years and never took anyone to court, I was never taken to court either. Thirty years without missing a bill. My house has been on the market for the last six years. XXXX realtors in six years still the house has n't sold. I spend each day going to the library searching the various job boards for several hours. When a person that has been self employed all his life tries to find a job its very difficult to find someone who wants to hire you. I have called other government agencies looking for assistance in finding work as well, as of this file date nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Global Asset Management Group, Inc.
State: TX

Complaint narrative:
Called me from GF Group, and had someone locally also call my phone claiming they were going to send someone to issue me a summons. On a bank that I have n't had in years! Wont provide me with a way to legitimize their business. Can not get any info from them.. very rude.. called me from XXXX different number + blocked numbers. Gave me a fake case number. 

Harassing my phone and threating me with legal action.

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 2016-11-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: IA

Complaint narrative:
The way payments are applied by banks to different balances with different interest rates is NOT consumer friendly at all. I should be able to denote exactly where every cent of my money is going.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 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: VA

Complaint narrative:
I received a student loan from " Discover Student Loans '' in XXXX 2015. I had a XXXX credit score at the time, and my Federal aid would not cover Out of State Tuition. I accepted the loan for 6-12 % fixed rate interest, sure that I would receive close to the lowest. Half way through the semester, I receive notice ( through the loan servicer, mind you ) that my interest rate would be the full 12 %, and I was forced to drop out, so that the XXXX half of the tuition bill would be refunded. Discover Bank used the most predatory loan terms possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: AmeriCollect
State: GA

Complaint narrative:
The company will not work with me. I asked to work with them on a settlement. Company was extremely rude and inappropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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: CA

Complaint narrative:
I took out a {$6000.00} XXXX XXXX private loan that was then bought out and serviced by Discover private loans. My interest rate started at 10.25 % in XX/XX/2015. Discover raises the interest rate every 3-4 months and it is now at 11 %. I also was n't given control over how the payments were applied. So while my loan should be half paid off, it isnt because they applied all payments to interest. Now they give me an option on how to apply overpayments, but it is worded strangely so i never know if im choosing the correct option.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
We sold our house on XXXX XXXX, 2015. Escrow check never came. Called end of XXXX. Said they did not have address. Checks do not get forwarded. Sent letter with new address ( By the way though XXXX they should have all our information ). Still do n't receive check by XXXX XXXX. Call again. Will send 2 day mail after I complain. Send 2 day mail to old address! Get check and call to make sure I can cash. Dovenmuehle says yes. Cash check in XXXX account. Receive another newer check from mortgage company. XXXX gets returned notice check and charges account. Call Dovenmuehle and explain situation. Also ask for escrow accounting. Never give me {$5.00} service charge back for returned check. Do n't provide escrow accounting. Not the money but the principle of matter. They sat on over {$3000.00} of escrow funds and never attempted to get in touch with us. We have all our banking and insurance through XXXX. Totally disappointed with everyone I dealt with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LUMINATE HOME LOANS, INC.
State: TX

Complaint narrative:
I applied for a loan with a company called American Mortgage & Equity Consultants back in XXXX. We were told that we could start construction on a new home before our old home sold and would not have to put any money down until construction was complete. This turned out to not be true. They expected money up front before construction started so we left and went to another company shortly thereafter. Recently I received a letter stating that our loan with them was not approved because of a lack of funds. We did not give them permission to run our credit report within the last 6 months, and we were not rejected for a loan. We left them because we did not trust working with them. I am afraid this fake rejection will negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
For my account beginning in XXXX, XXXX XXXX told me they would delete this off of my credit profile for payment even though this account was not opened by me. All I want is for this account to be removed from my profile as they promised. I settled a debt that was n't even mine, and now they continue to report to all XXXX bureaus. They are also reporting XXXX separate accounts to the different bureaus which is illegal as well. They offered deletion upon settlement, and now they have done a " bait and switch '' for their money.

Company response to consumer: Closed with explanation