vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
ON XX/XX/XXXX I DISPUTED AND ACCOUNT WITH XXXX AN ACCOUNT FROM RENT RECOVERY SOLUTIONS Account name RENT RECOVERY SOLUTIONS XXXX, GA XXXX XXXX Address identification number XXXX Account number XXXX Recent balance {$1300.00} as of XX/XX/XXXX Status Collection account. 
{$1300.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX RENT RECOVERY SOLUTIONS WAS NOT ABLE TO VERIFY THIS ACCOUNT AND DELETED IT FROM XXXX AND LAST WEEK ON WEDNESDAY XX/XX/XXXX IT CAME TO MY ATTENTION THAT RENT RECOVERY SOLUTIONS ONLY DELTED THE ACCOUNT FROM XXXX BUT CONTINUED TO REPORT THIS ACCOUNT TO XXXX AND XXXX I CONTACTED RENT RECOVERY SOLUTIONS ON WEDNESDAY XX/XX/XXXX AND INQUIRED ABOUT ACCOUNT NUMBER XXXX THEY COULD NOT FIND SUCH ACCOUNT I SENT A REQUEST FOR DELETION TO XXXX ON THAT SAME DAY ( please attached document ) AND ON SUNDAY I WAS ABLE TO AXCESS THE DISPUTE PAGE FOR XXXX AND ALSO SENT A REQUEST FOR DELETION OF ACCOUNT XXXX XXXX RESPONDED IN LESS THAN 24 HOURS WITH A RESOLUTION AND DELETED THE ACCOUNT FROM MY CREDIT FILE THAT STILL LEAVES XXXX RENT RECOVERY SOLUTIONS IS NOT ONLY REPORTING AN UNVERIFIED ACCOUNT BUT ALSO AN ACCOUNT THAT IS WAY PAST THE STATUE OF LIMITAIONS ACCORDING TO THEIR OWN RECORDS RENT RECOVERY SOLUTIONS SHOULD BE REMINDED THAT REPORTING UNVERIFIED INFORMATION AND OR ACOUNTS PAST THE STATUE OF LIMITATIONS IS A CLEAR VIOLATION OF THE FCRA 15 USC 1681 et seq AND THAT SUCH VIOLATIONS MAY CARRY PENALTIES THIS UNVERIFIED AND PAST THE STATUE OF LIMITATIONS ACCOUNT IS NOT ONLY HURTIN MY CREDIT SCORE BUT IS ALSO DELAYING MY CLOSING ON A MORTGAGE LET BE KNOW THAT THE DAMAGES OF THEIR NEGLIGENCE BY CONTINUING TO REPORT THIS UNVERIFIED ACCOUNT COULD BE SUBSTANTIAL AND LEGAL ACTION MAY TAKE PLACE I AM INCLUDING DOCUMENTATION THAT SUPPORTS MY CLAIM THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
acct under XXXX bankruptcy and still showing under my XXXX credits bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover is saying my current balance is incorrect. They are stating that I have a higher balance that I should. You can clearly see this in the attachment. Discover is trying to get me to pay more than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I believe that I am a victim of predatory lending and bad business practices. I was promised a superior education that was to be followed by a dedicated staff that would stay with me through the hiring process when I enrolled at XXXX XXXX of XXXX XXXX in 2006. I was sold a dream that did not exist and pressured into signing for loans that I did not understand. Once it was found that I would not be able to fund my education completely through XXXX form of federal loan I was informed that there was another type of federal loan. They proceeded to tell me that all I needed to have in order to guarantee funding was XXXX individuals with poor credit that would automatically get denied and their permission to do a credit check so that I could benefit from the other loans. This is what we did. We used my mother and sister as potential cosigners and once they were denied the financial aid office told me I was eligible for full funding. Within a few minutes they had whisked me away and had me sign paper after paper. I started to become hesitant and it was at that point my recruiter began to give me a speech about how I was older than the traditional college student and that I needed to jump on this opportunity now if I ever wanted to amount to someone who could provide for my family. She told me it was extremely hard to make it through life with a lower class job and that this may be my one and only chance to get out. At no point did they ever tell me that the loans I was signing up for were private loans that would not follow the same deferment guidelines as the federal loans. From what I understood all of my loans were federally funded. 

Obviously I signed up to be a student and during that time ran into many roadblocks that made me regret choosing XXXX. It was't until much later when I decided that the school was a fraud that I was informed my credits would n't transfer. I only decided to stay because I was informed that my degree WOULD transfer and that I could obtain my XXXX at another school. Upon graduating I found out that was a lie. None of the state universities would touch me. The only schools willing to look my way were other high dollar schools such as XXXX and University XXXX XXXX which cost up to $ XXXX out of pocket. Now today I am stuck with $ XXXX in debt ( will be $ XXXX by the time interest is paid ) and a degree that I can not use. Payments are expected to be around {$700.00} a month but who can afford that and live? This story can be heard from victims all over the nation and something needs to be done. 

My loans were originally through XXXX XXXX but are now handled by Navient. I believe XXXX XXXX was aware of the bad lending procedures at XXXX and other for profit schools and turned a blind eye. They did not have to provide XXXX with the ability to provide funding to students but they did and now students everywhere are drowning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
XXXX XXXX Dovenmuehele Mortgage Inc. refused to pay our county taxes by the due date of XXXX XXXX, 2016. They refuse to have anyone from their tax department take our phone call. They refuse to tell us when payment will be made and why its being paid late. We have called and sent in the bill yet they refused to pay it by the due date. They stated in an email they had till XXXX XXXX. The County Treasurer even emailed them stating this is not true. We called again today and all of a sudden they do n't have the paperwork that allows my wife to handle the mortgage. I had to verify over a three way call and give approval for them to speak with my wife. She spoke with XXXX employee ID XXXX. He would not make any phone calls or find out why the taxes were not paid. He repeated numerous times that there is usually a 40-45 grace period to pay the tax bill past its due date. My wife repeated that this is not the case in our county. He refused to put his boss on the line. He refused to get the payment sent over night mail. He refused to send a message to the tax department so this does n't happen again next year. When asked to speak to his boss we were told we could leave a voicemail for his boss XXXX. He refused to provide her employee number or last name. The voicemail box was a generic one that did not state you had reached XXXX. As we are forced to have our taxes escrowed we are left with the Mortgage company making late payments. As we pay our mortgage payment early every month we expect the Mortgage company to pay our taxes by the due date. This should not be an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
Already submitted case # XXXX. This is an update to report further harassment. Today, XXXX/XXXX/16 at XXXX, I was again harassed to pay a late payment in error. Payment was withdrawn from my account by Discover nearly a week ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
An unauthorized inquiry appeared on my credit report. I contacted Discover about the inquiry and it was determined that the inquiry was fraudulent. I was told that the inquiry would be removed and have a letter from Discover stating the same. It 's been 6 months and the inquiry is still on my XXXX and XXXX reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
In XXXX 2014, based on XXXX reporting, I received a 30-day late on my monthly loan amount of {$620.00} which was due on the XXXX of every month. At the time, my payments were being managed under the agreement of my debt collection company XXXX XXXX XXXX, who was responsible for drawing money out of my personal bank account and making payments directly to my creditors. 

On XXXX XXXX, 2014, XXXX XXXX XXXX transmitted a {$620.00} payment towards my Discover Personal Loan debt. The payment was to be deemed 30-days late on XXXX XXXX. XXXX XXXX XXXX made the payment on the XXXX and Discover Loans did not recognize or process it until XXXX XXXX. When this happened, they deemed the payment as 30-days late even though it was transmitted to them on the XXXX. 

After receiving the 30-day late on my credit report, both myself and XXXX did a XXXX call to try to resolve the matter but the Discover supervisor would not work with us at all. I have since paid off this {$25000.00} loan and I had never received a 30 day late accept for this XXXX and I feel that Discover had some error in it as their system did not recognize the payment until later than expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
My account is delinquent, and I receive frequent calls with no message left.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
I purchased a XXXX home loan from XXXX XXXX XXXX XXXX in XXXX XXXX, made payments constantly until crash of XX/XX/XXXX, missed 5 payments in a row. during the time I was unemployed my mortgage servicer transferred from XXXX to XXXX. XXXX, sent me, as they have done others, a package for modification of a loan, and upon filing the paperwork out, and also being employed again, XXXX systematically and continually denied a home loan modification or refinance option. XXXX, due to bad publicity and muilti-state claims sold the loan to XXXX, who have continually done the same thing. Over 30 faxes, and over 25 emails, my account has been locked accoring to an XXXX representative attending a home free usa workshop, two months ago. All XXXX has done is rack up interest, penalty, debt without offering and approving either a modification, refinance, or allow payments to be made on the loan. Over $ XXXX in interest and penalty. XXXX refers homeowners to government agencies such as XXXX XXXX XXXX, who take all of your information, and resubmit your information back to XXXX! 

How many others have experienced this level of fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
I got a XXXX XXXX XXXX from car hop in XXXX. I thought I was getting a deal since my credit was excepted. The car ended up having major issues soon after and was dangerous to drive on the roads. I contacted car hop and expressed the concerns with the vehicle and they offered to have the car fixed through their " authorized mechanic. '' They said they had multiple issues with the car fixed but the car was no better when I got it back. I stayed persistent with them to get the problems fixed but they just gave me the run around and did n't do anything. My pregnant wife and I ended up getting in a wreck because of the cars instability. I fixed the damage to it. My wife and I went to a XXXX dealership and got a loan for a dependable vehicle. I returned the Explorer to the car hop dealer and gave them the keys. I was dealt a complete lemon and my credit is currently being haunted by this horrible ordeal. Is there anything I can do to make this go away or make sure it does n't happen to other people in the future?

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 2016-06-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK
State: IN

Complaint narrative:
I was recently considered late on a payment ( payment was made just after XXXX on the due date ). The payment was made on the due date and the cut off is arbitrary for an online payment. I make all my payments online and Discover is the only company that imposes this. The second complaint is the amount of the late charge being excessive. The balance is {$1000.00} and my average monthly payment has been {$36.00}. The late charge alone was {$35.00} and doubled my most recent payment. Last, the 18 % interest rate is outrageous. I have good credit and my credit score is over XXXX. I can get a lower rate if I apply for a new card. I do n't want another card with Discover. I stopped using it when they changed a due without notification causing a late payment. They also sent the account to a collection agency even though it was not delinquent and never had been. It took months to be resolved. So NO WAY do I want to do business with Discover. 

What I want is the late charge reduced and the interest rate lowered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Advance America, Cash Advance Centers, Inc.
State: NC

Complaint narrative:
I am getting collection calls regarding XXXX loans I allegedly took out over 10 years ago. My first issue is that this was approximately 10 years ago and no details as to how I could have XXXX loans ( months apart ) with the same company have not been answered. How if I was in default for XXXX loan, could I take out another at the same branch? My next concern is why we 're he checks that are required to apply, not cashed out? My understanding is loans are paid back by withdrawing the money from the account the check was from. Next, the company was sued for predictory lending practices and barred from offer such loans. I am being threatened with garnishment but can not get any documentation regarding these loans I allegedly took out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
I had a secured Discover IT card, and I fell behind with payments due to education expenses. My account was closed and permanently revoked in XXXX, and this was not something I was aware of. I reached out on XXXX XXXX, 2016 by a message, and I asked if I made a full payment would it enable me to have spending privileges again. I was hasty, and I initiated a live chat with an Account Manager. We had an extensive chat, and in the end, I ended up making a payment for the full balance. Well, during this chat, this manager did n't say anything about my account being essentially inactive. I scheduled the payment for XXXX XXXX, 2016. I received a response on XXXX XXXX, 2016 informing me that my account was revoked and closed. I immediately sent a message and asked them to stop the payment having been told of that new information. To this day, I have not received a response to that message. I finally decided XXXX hours had passed, so I reached out to a live agent and asked for the payment to be reversed on XXXX XXXX, 2016. She told me that it would take about 15 business days for it to go thru the proper channels. I waited that much time and a bit over because on XXXX XXXX, 2016, I reached out again and I was informed that due to my payment history a partial or full refund could n't be issued. I did n't let it rest. Since XXXX XXXX, I have been fighting constantly. I reached out to the XXXX, and about an hour ago, I rejected Discover 's decision and issued a rebuttal. Discover has given me the runaround tirelessly for almost three months. I have talked to Account Managers, Supervisors, and this XXXX person who was a representative of the XXXX division. It went from a 15 day refund to talking to the bank wire department to everything in between. I even offered to allow them to a portion to show good faith. They rejected that citing company policy and my payment history. At any rate, this payment was made without having all of the facts. I do n't know if the agent assumed that I knew my account was revoked or what, but all I wanted to do was get back on track. I 'm a college student, and I do n't have a lot of money or a cushion so to speak. {$5500.00} tuition every XXXX weeks and the cost of supplies for school means my money is low. I was trying to do the right thing, but I would have preferred to pay the balance down overtime. I 've been more than patient. I realize my payment history was n't as strong as it could have been but work with me not rail against me and make me pay for a miscommunication. It 's bad enough that I asked 24 hours after the payment was scheduled to be taken for someone to please stop it and no one responded. It was a gross error and a huge mistake. One that I have been fighting hard to amend since XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
XXXX XXXX XXXX of the company, XXXX XXXX XXXX XXXX, XXXX called me in an attempt to collect on a very old debt. He told me I opened a Discover card acct. XX/XX/XXXX and I owed over {$20000.00}, but that they were willing to accept a settlement of {$1500.00} and then attempted to get a card number from me. He could not verify where I was at XX/XX/XXXX, which made me suspicious. I also asked him if he could send a letter of assurance to my email detailing that the {$1500.00} would indeed completely settle this debt and he declined, saying he would send a receipt after receiving the funds. I then asked for an XXXX to see what I could learn and possibly verify any of these details and he agreed, giving me his name and number. I looked at the XXXX where I saw a complaint where someone had given a card number to settle a debt and this XXXX was continuing to hit his card. I read more at various sites and was assured that this XXXX XXXX was indeed scammers. Way less than an hour had passed when I called them back and informed him I would not give him anything and to remove my number from his calling list. He then proceeded to threaten me with some kind of court action so I hung up. They do have my phone number, social security number and current address and it does make me nervous. I had already decided that I would not give these people any card or bank information, so in that, I feel relatively safe. It is my hope that they will not continue to pursue me in attempts to collect on what I had learned is a time-barred debt. I actually had my purse stolen back in the XX/XX/XXXX 's and was XXXX over the next years and was unaware of what was happening until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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: FL

Complaint narrative:
The CEO of Discover Financial will not return my emails. I tried to consolidate my high interest loan but they will not approve me. I have excellent credit and they wo n't work with me to lower the interest rate. I will end up defaulting pretty soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I received a receipt from XXXX on which more than XXXX digits of my credit card on it. I believe this violates MD CodeXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: DISCOVER BANK
State: NY

Complaint narrative:
Refinanced my loans through XXXX. XXXX sent checks out to all parties including discover. Discover received the check and cashed it but no credit was made to my account. An image of the check was sent to discover and still no answer as to where the XXXX went.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions
State: TN

Complaint narrative:
I have no knowledge of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
We refinanced our mortgage, and paid the old XXXX off in full. Upon closing the old loan, we were charged {$220.00} for a Loss Mitigation Fee. 

The company, Dovenmuehle Mortgage XXXX XXXX, can not explain what this fee is for, and they refuse to refund the {$220.00}. This loan was suppose to have a no pre-pay penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
The balance of the credit card was paid off by the wire transfer deposit but the credit company did n't honor the deposit and continued harassing, charging and reporting to the credit bureau as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Our servicer will not send us a monthly statement of our mortgage statement or allow us to log on online in order to see what our status us ( bal, pymt amount, whether we are current, past due, etc ). We were in a bankruptcy, but that ended in XXXX of XXXX. Dovenmuehl stated that because of the bankruptcy we were not allowed to see any current information. Since our bankruptcy discharged over 9 months ago, the servicer still ( as of today, XXXX/XXXX/XXXX ), will not let us obtain information on our mortgage.

Company response to consumer: Closed with explanation