vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
unable to check my balance or any other information about my loan over the phone or online. spoke to numerous customer service personnel .no one able to tell me why i can not access my account .tired being on the phone 45 minutes at a time back and forth transferring from department to department

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
We have been trying to pay off my credit card for years. I have called to set up multiple payment plans with discover but everytime one gets set up, a month later I get a call saying there was no payment plan and I owe more interest and late fees that were not supposed to be added to my account. This has been happening for over 2 years and I have wasted a lot of money with payments on this account because I was promised no interest and no late fees, but those two things have erased all of my payments. I have still attempted to contact them to resolve this but they are refusing to work with me at this time and they have locked me out of my online account so I ca n't view the balance. And they are n't sending me my statements. Now they are attempting to get a judgement placed against me because of this issue even though they will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
XXXX/XXXX/16 Discover XXXX XXXX XXXX XXXX, DE XXXX XXXX : CFPB case # XXXX This case was instituted to address ALL prior disputes in particular case # XXXX. 

By my action in case # XXXX, ALL previous disputes on this single issue, are satisfied and closed. 

The reason is that the state of these XXXX ( XXXX ) Discover credit card accounts have been addressed to meet with my satisfaction. 

Account # 's ending in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have outstanding debt to Discover Card in the amount of {$4000.00}. I am elderly and I recently lost my life partner of 25 years, and XXXX daughters. XXXX of my daughters left me to care for my special needs granddaughter ; and the other daughter had serious financial debt, which all became my sole responsibility. I am willing to pay my debt ; however, I feel I am being unfairly treated by Discover and harassed by collection phone calls. I feel Discover has discriminated against me due to my age because I am elderly and on a fixed income and receive public assistance, and although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Further, they know I have no immediate family to help me understand my liabilities and the Discover calls have been confusing and misleading me and purposely trying to get me to verbally agree to something I can not fulfill for a monthly payment. I also feel that Discover treated me unfairly because they have been harassing me with collections calls, even though I have opted out of phone calls. Because of the harassing calls from Discover, I felt pressured into finding a financial solution. As a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Discover that I was the victim of a credit consolidation scam by a company called XXXX XXXX. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in 3.5 years, but all they did was take my money and left me with nothing. All Discover has done was continue to harass me by phone causing additional anxiety and stress to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received a XXXX for the tax year 2015. I filed my 2015 taxes and included it as taxable income. I pay taxable income for federal and state taxes on the XXXX Chase Credit is still reporting to XXXX credit reporting agencies that I owe a balance of {$3900.00} after the debt has been discharged and cancelled. I have made numerous calls to Chase. I have disputed the balance with XXXX credit reporting agencies, but Chase Credit Card company says there is a {$3900.00} balance. I am applying for a home mortgage, but with Chase Credit Card balance they will not do a loan. They know that Chase will put a judgement against the home. Also Chase Credit Card is lowing my credit score by showing the balance is over the {$3000.00} line of credit by 128 %. The XXXX has box # XXXX checked states " decision or policy to discontinue collection ''. Box # XXXX has the discharge date. Of XXXX/XXXX/2015. Box # XXXX states " amount of debt is actually or is deemed discharged ( canceled or forgiven ). I know this is a new area with XXXX discharging debt, but they can not receive the Government Tax write off and still want to collect money. It is against the law for Chase Credit to sell this debt to a collection company to try to collect money that I reported on my federal and state returns as taxable income and pay taxes on their issue of a XXXX. I am also contacting the Attorney General of South Carolina with this problem with Chase Credit Card. I understand that Chase Credit will still report my account as closed by creditor, but I want the {$3900.00} balance that is not owe, to be removed from XXXX credit reporting agencies. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect
State: IN

Complaint narrative:
This {$130.00} to XXXX XXXX was to be paid by my insurance I have never paid for a XXXX in my life. XXXX has it on my credit report. I have several working to get this removed.Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect
State: NJ

Complaint narrative:
I was sent by my doctors to receive an XXXX after my XXXX. I was covered my medicaid and XXXX at this time. However, my plan had changed from " XXXX woman '' to " XXXX mother. '' This did not affect my coverage. Simply the number of my policy. The hospital tried billing my old policy number and was informed that i was not covered in that plan anymore and billed me. I provided the new information, and was told IN XXXX, that this debt had been paid for and cleared. However, the calls have not stopped.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK
State: OR

Complaint narrative:
This is the second time this has happened. My 3.120 % fixed interest rate was raised in error. Without looking at the promissory note, the agent insisted that it was variable. I had an extra {$3.00} showing as past due. This easily could have affected my credit if I did not catch it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
Discover Card offered me a XXXX percent rate for life in XXXX which expired in XXXX XXXX unless I made XXXX purchases a month. I accepted and transferred a balance. I also was moving and subscribed to online statements, electronic notifications, and autopay. After several years now, I have discovered they expired my promotional statement in XXXX XXXX with no advance notification. Alot was going on. Several moves later and a change of bank and I looked at my Discover Card bill to see interest charges. When I produced the original paperwork my card came on ( but not he card holder formal agreement ) it lists the zero percent rate and footnotes that it is expiring in XXXX XXXX but is extendable if I meet the extenstion required transactions per month. They have now denied this, said they do not keep records longer than 7 years, and can not produce my original cardholder agreement. The fact that I do not have the formal cardholder agreement has encouraged them to decline my request to refund the interest paid even though they can not produce the original agreement either. Clearly I am upset. can you assist? thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Stuart-Lippman and Associates, Inc
State: AZ

Complaint narrative:
I have received several letters XXXX all sent on the same day plus each letter had different amounts with them increasing ( in one month alone ). In addition to the letters I have received multiple calls as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
On two different occasion the representative said they would email me deletion letter. What I had received was n't a deletion letter but a letter just stating my account was paid in full. I called customer service, then another representative said they do not send out deletion letters. I need a deletion letter stating that I have paid this off long ago and need it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
After having pay cuts for XXXX or four years after the economic downturn and moving to take a job in another state, my then wife changed locks on the house, filed for a divorce, and later moved out while I was still paying for the house. I applied for a deed in lieu, because I could not afford child care, and support XXXX households, while living in a city XXXX miles away. The mortgage company went through the process but has continued to bring up more paperwork, even after all was signed, notarized, and returned, and liens were satisfied. ( The mortgage is divided into XXXX liens ). I am a veteran. The mortgage was a XXXX VA program. ( Not part of the XXXX VA program. ) The bank has left the house in my name, so any code violations are charged to me, but they changed the locks and have sent people to cut the grass. They need to finish the process and take my name off of the house. The ex-wife also signed and notarized paperwork. It should have been finished months ago. They are just dragging things out indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK
State: NY

Complaint narrative:
This our XXXX case we were forced to open with Discover as they completely ignored the issue citing unfounded claims. I have had an ongoing issue with Discover. They reported incorrect enrollment dates for XXXX and residency, based upon which I was charged exorbitant late fees while in school deferment periods. We have also had issues with premature capitalization occurring while I was in medical school, as well as multiple erroneous and fraudulent capitalizations on same loan during valid in school deferment status. At this point we were informed that Discover has changed their records to erase evidence of the school status. We tried resolving the issue with Discover directly and have been " bounced '' around from specialist to specialist, finally dealing with XXXX XXXX in the Executive Offices. She was both aggressive and antagonistic when I asked how to help resolve these issues. We decided to involve the CFPB instead of a lawyer at this time as we can not afford to pay hourly fees for legal representation. We have been charged exorbitant amounts of money and we are certain that Discover is guilty of fraudulent record keeping and egregious mismanagement of my Student Loan accounts. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had a Discover credit card that was charged off XXXX/XXXX/XXXX. I received a letter dated XXXX/XXXX/XXXX from the IRS saying I owe taxes on this credit card that was supposedly a XXXX Cancellation of Debt '' from XX/XX/XXXX. I now am having to fight the IRS on a problem that is way beyond what I have read to be the statutue of limitations on a debt. I did not ever receive a XXXX from Discover Card, so I would have no way of knowing to put that on my taxes even if it was not too old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
In 2012 I bought a car from a company name Carhop, which was a lemon their contract mechanics would make some lame excuses on not being able to fix my Van, that I purchased. After all the XXXX I been through under the magnuson and Lemon law I was able to get half of my money back. After looking at my credit score from different sources although it was paid off at wholesale my credit showed derogatory marks on it, and that is false, and I dispute this allegation. I always paid my that Van on time. This company is hurting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Financial Services has reported some negative marks on my Credit Report and is not presenting me with some option to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Experian credit bureau denies receipt of a request for deletion of a collection account from XXXX XXXX XXXX. XXXX XXXX XXXX informed me they sent the deletion request on XXXX/XXXX/16, Today, XXXX/XXXX/16, XXXX XXXX informed me they sent a request to all XXXX credit bureaus a total of 3 times. XXXX XXXX is a 3rd party vender for the city of XXXX XXXX, who issued me citations because a tenant failed to water the lawn. I paid the citations in early XXXX, 2016.

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 non-monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK
State: ID

Complaint narrative:
All of my credit cards show me when a promotional rate ends ( for balance transfers ) except for Discover. Are they supposed to provide this information on their statements?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
I applied for an installment loan through discover bank. My credit worthiness was the reason for the denial of the loan. I have credit over XXXX and have even been mailed approval letters from Discover as well. I am disputing the fact that discover has denied my installment loan and would like a further explanation in their approval process as it is misleading in their advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Card I purchased by Phone, New Items {$850.00}, paid in full by the discover card account. 
Merchant is XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I called to arrange pick up of the merchandise XXXX 2016. Store owner told me items had been resold and were no longer in inventory. 
I contacted Discover Card with that information to obtain my refund as store owner was not cooperative. 
Discover Card was not cooperative. A store owner can not collect XXXX for the same items. Florida Statute XXXX CH XXXX requires notice certified signed mail to alter ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
On XXXX/XXXX/15, I disputed an Incorrect Electronic Funds Transfer with Discover Card for Image Dental ( {$600.00} ). Since this time only a temporary credit was issued and again the ( {$600.00} ) appears on my account. I was told by Discover Card they do not offer permanent credit for Incorrect Fund Transfers. They only ask the Merchant to provide a credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have attempted to conant Discover through their Secure Message Center. They will not answer my questions. They simply replay to the with the same canned message each time so I know they are not reading the question ( s ) posed. Ticket Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: DC

Complaint narrative:
4th request, XXXX XXXX XXXX or now called Dovenmuehle Mortgage, has been asked numerous times to fix my XXXX credit report and make it consistent with the other XXXX credit agencies. They fix it, then they change it, and again they 've done one more time ... .I do n't like the vindictive games they play. These games have forced me to unfairly pay real money for a higher rate on my new mortgage. I 've asked them 50 plus times to fixed this, most recently, on XXXX/XXXX/XXXX, I asked that they once again remove the FLASE sentence " Settled - Less than full balance. '' I 've been dealing with this since the closing back in XXXX ... Now almost two years later they still are power play games with the information. You helped to finally make progress on the matter, but they still have not taken your words seriously enough. I am submitting another request because they now have once again made the credit report worse by wrongly adding in late payments as illustrated in my XXXX/XXXX/XXXX XXXX Credit Report, which is now worse than the report on XXXX/XXXX/XXXX. I do n't want to force the issue of fines and penalties ' on XXXX but sincerely they 've cost me real money by the not taking the matter of correcting my report seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Retail Recovery Service N. J., Inc.
State: NJ

Complaint narrative:
After disputing this unlawful judgement on my credit report with XXXX to no avail. I 've sent numerous letters of debt validation to Retail Recovery Services, Inc of New Jersey and their attorney to no avail. All letters was sent certified mail to both parties with only their attorney sending the return receipt back once. This alleged debt is not a valid debt and I want it removed from my credit report. This collection agency put in a judgement against me without any valid documentation to begin with and it harmed my credit report! I am looking into suing this company if they do not validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MI

Complaint narrative:
Global Client Solutions is claiming they are going to contact my work, garnish my wages and file check fraud for a loan that I have no knowledge of. When I asked for proof they said unfortunately it 's too late and they are not the originator of the loan and if I did not pay them they would move forward with charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IL

Complaint narrative:
For the last 6 years I have been paying this loan on time and have never had a payment go past 30 days, however, if I have a payment that is 5 days or more late, they begin to call my personal phone, both of my parents phones, and have even reached out to my brother. The calls are repetitive, invasive, and cause a lot of stress, even after I 've expresses this to the company. As of right now, I am am moving and finishing up a 2 year custody battle here in the city of XXXX, and I have a payment I just scheduled but was 23 days late as of today. In those 23 days, I 've had over XXXX documented phone calls / voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Continental Services Group, Inc. d/b/a ConServe
State: IL

Complaint narrative:
I have contacted my servicer multiple times asking for information about my contract, verification of amounts which have been paid and balances but they do not respond with the requested information. They send me letters back stating they are servicers of my federal student loans and ask again what information I 'm looking for even when it is clearly noted in the multiple letters sent my certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Thaxton Investment Corporation
State: OK

Complaint narrative:
I have requested they not contact my supervisor or contact me at work and they continue to do so. They have contacted my supervisor twice and call my direct line repeatedly.

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