vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I XXXX DISPUTED AN ACCOUNT WITH DISCOVER THAT WAS ON MY CREDIT REPORT. I FIRST LEARNED ABOUT THE MATTER WHEN I RECEIVED A LETTER FROM AN ATTORNEY 'S OFFICE THREATENING ME WITH A LAWSUIT XXXX ATTORNEY IN XXXX, WA. THEY CLAIMED I OWNED {$7200.00}. I SENT OUT A GOOD FAITH LETTER ( ATTACHED YOU WILL FIND ONE OF THE MANY LETTERS I SENT OUT ) ASKING THEM THAT I AM DISPUTING THE MATTER AND CONTINUOUSLY RECEIVED NONSENSE INFORMATION NOTHING BARING MY SIGNATURE OR INDICATING ON MY CREDIT THE MATTER IS IN DISPUTE INWITH IN THE 30 DAY MARK OF RECIEPT OF MY LETTER. I HAVE MAILED OUT FOLLOW UP LETTERS IN GOOD FAITH INDICATING I HAVE NOT RECEIVED ANY INFORMATION BEARING MY SIGNATURE ON AN AGREEMENT WITH DISCOVER CARD. THEY HAVE VIOLATED FAIR DEBT COLLECTION PRACTICES ACT AND PER FDCPA SECTION 807 FALSE AND MISLEADING REPRESENTATION ( 15 USC 1962e ) I HAVE ASKED THEM NUMEROUS TIMES TO SUMBIT THE INFORMATION OF PEOPLE WHO CLAIM THEY HAVE VERIFIED MY ACCOUNT WITHOUT SENDING ANY PROOF OF BEARING SIGNATURE. THEY ARE CONTINUOUSLY HARASSING ME WITH LEGAL ACTION. PLEASE HELP ME RESOLVE THIS MATTER THEY HAVE VIOLATED THE LAW BY NOT REPORTING ACCURATELY THE ACCOUNT AS DISPUTED WHEN THE FIRST LETTER WAS RECEIVED AS A FORMAL DISPUTE AND HAVE NOT PROVIDED ANY PROOF OF SIGNATURE OF MY AGREEMENT WITH DISCOVER CARD. PLEASE HELP ME I AM SEEKING THEY OMIT THIS BAD DEBT OFF THEIR RECORDS AND OFF MY CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: DISCOVER BANK
State: IN

Complaint narrative:
I received letters from XXXX XXXX XXXX XXXX ( Indiana ) in XXXX and XXXX stating that I owe a debt in the amount of {$3900.00}. I disputed the debt in XXXX and XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX filed suit in Indiana XXXX Court. XXXX XXXX, there was a hearing I denied the debt. I asked for XXXX and found out that XXXX and XXXX ( Not Located in Indiana ) are actually suing me. AT NO TIME did XXXX XXXX XXXX XXXX make it known that they are representing XXXX. XXXX of the documents from XXXX XXXX XXXX XXXX, states the client is XXXX XXXX XXXX and the Original Creditor is Discover Bank. Another document from XXXX XXXX of Discover Bank dated XXXX XXXX, XXXX states " findings were forward to Attorney XXXX XXXX XXXX. Never once has any of Discover Bank 's documents listed XXXX XXXX XXXX XXXX as the attorney. I requested " terms and agreement, '' contract between XXXX XXXX XXXX XXXX and Discover Bank, contract between XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and between Discover Bank and XXXX XXXX XXXX. I have not received any documents giving XXXX XXXX XXXX XXXX or XXXX XXXX XXXX the legal right to sue me. There is no contract, terms and agreement, no credit card statements for XXXX, XXXX and XXXX they ca n't provide me with any proof of transactions XXXX, XXXX, and XXXX. XXXX XXXX XXXX XXXX FAILED to name all necessary party and misrepresentation. I do not know who the real lawyer is and feel it is illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC
State: UT

Complaint narrative:
XXXX XXXX keeps calling me about my loan with Arrow head loans, In XXXX I went with progressive debit relief to pay them off and Arrow head is not to call me any more and I am still getting calls from Arrow Head XXXX XXXX, now he has some guy calling from XXXX to my family telling them they are sueing me for check fraud. When I called the number they refused to talk with me. They have both been told to call XXXX at XXXX to handle the matter and they refuse ..It is out of control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I received a balance transfer offer from Discover and before I took advantage of the offer I called Discover customer service to check on how the payment apply because I had some balance on high interest rate. They assured to me that the payment apply to the high interest balance first till it paid off and then apply the payment to the lower interest. I got this confirmation twice from XXXX different persons. I called the third time to transfer the balance and to confirm how the payment is applied to the balance. Based on XXXX confirmation I transferred some balance and signed up for automatic payment draft of {$250.00} per month to pay of the high interest balance in about one year. 
I found out later that I was misinformed and lied to and the payment that I have been making for more than 2 or so years applied to the lower interest rate first and any amount above the minimum apply to the higher interest rate to keep my balance of the higher interest rate almost unpaid. I feel that I have been ripped of my hard earning money and I was treated unfairly by Discover after being a loyal customer for almost 16 years. 
I spoke with account manager over 7 weeks ago and she promised that she will file my complain with the corporate and get back to me, when I never heard back I called gain and spoke with another account manager/ supervisor her name is XXXX and she told me straight that there is nothing I could do nor there is nothing that the corporate office will change for me, then I really felt that they have been taking my money intentionally and I was misguided by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Holdings LLC
State: TX

Complaint narrative:
I applied for a reverse mortgage and everthing was going fine until my appraisal came in lower than expected. Immediately my income became a issue and I was asked if I received any other income other than XXXX. I was then told that my income did not transfer over correctly and that my Student loans and car payment was to much to pay my taxes and insurance. I submitted the correct figures but was still denied because of income. My denial stated that I withdrew and when questioned, I was told that is the procedure when loan do n't qualify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have been faithfully paying my Discover Loan since inception and had no issues until XXXX 2016 when Discover changed their payment system and locked me out of making a phone payment for about 10 days. That payment was made through their live customer service center. Every month I make my payment as usual ( {$500.00} on a {$470.00} payment ). I get harassing phone calls each month saying I did n't pay my bill, when I had proof from my bank that Discover did indeed withdraw {$500.00} each of these months through XXXX 2016. Now for some unknown reason, my balance has risen and Discover is not reporting my payment history properly, causing my XXXX Score to drop recently. I am assured each time they call that my account is being taken care of and that the matter will be resolved. It never is and I get another phone call. I pay in good faith and expect my payments to be credited properly. I have never had an issue with a lender in the past and am disappointed that I need to write this letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I was asked by the homeowner, who has a mortgage serviced by Ocwen Loan Servicing to facilitate a short sale because her home remains under water. She has exhausted all possibilities to obtain mortgage relief under HAFA, HAMP, etc because her mortgage is not FHA, XXXX or XXXX. Her interest rate remains relatively high and she pays taxes and insurance separately. This mortgage started out under Homecomings. The home was listed for sale XX/XX/XXXX and most recently obtained a favorable offer at list price which still represents the need to do a short sale. All docs required for a short sale review were emailed and/or faxed to Ocwen between XX/XX/XXXX-XX/XX/XXXX. I was sent a message via XXXX by Ocwen to accept the short sale negotiation task which I did during this timeline as well. The borrower as well as myself have complied within 24hrs of all of Ocwen 's requirements and I received a notice from Ocwen that the home is being Auctioned. All parties, mainly the homeowner has a HUGE issue with this because she still lives in the home, is current on the mortgage, has obtained an offer at the marketed list price while Ocwen has NOT performed the required BPO or appraisal on the home, has not reviewed the offer nor completed the short sale guidelines based on my experience with Ocwen previously but yet has put the homeowner at a great disadvantage because advertising this home as an Auction on the internet totally jeopardizes her safety ... especially in this neighborhood! Upon my conversations with XXXX Ocwen representative today, neither of them could provide reasons for an Auction when they currently have a completed package, per their guidelines, to review. I was told that the " investor '' requested the auction. However, no value has been issued by Ocwen neither has the offer presented been reviewed or a counter issued by Ocwen or the investor. I am very concerned about these fraudulent practices especially when the borrowers account reflects over {$1400.00} in late charges from XX/XX/XXXX when the existing mortgage rate was raised to 11 % and foreclosure notices were issued. The interest rate was reduced to approx 8 % currently which grossly exceeds the market interest rate and Ocwen refused to eliminate and cease to collect on late charges that accumulated during the review and resolution time period and continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
Continued attempts to illegally foreclose and violate CFPB Mortgage Servicer rules. 

I received the attached response from Dovenmuelhle in regards to my mortgage loan. They state that I was I was sent a notice of breach on XXXX XXXX, 2015, but just five days before that on XXXX XXXX, 2015 I had sent in a payment of {$820.00} via XXXX. The following month ( XX/XX/2105 ) I sent a payment of {$640.00} via XXXX and the following month ( XXXX XXXX, 2015 ) I sent a payment of {$550.00} via XXXX. ALL payments Dovenmuehle has neglected to credit to my account as well as other payments I have paid after this. 

In this attached letter from Dovenmuehle, they state they sent me XXXX refund checks ( {$800.00}, {$700.00} and {$710.00} ) ... I only received XXXX for {$710.00}. Conveniently the ONLY check they mention a check number for is the only check that I did receive. 

I have been making payments for the past year that Dovenmuehle has not credited to my account, which is a violation of CFPB rules. I have attached proof of payment from XXXX that I made payments at the time they are claiming I had a " notice of breach. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Global Asset Management Group, Inc.
State: PA

Complaint narrative:
Collector called, provide information on the account without verification. Threatened to have law enforcement at my doorstep within 30 minutes if payment was not received. Accused us of being deadbeats for running up the credit and not paying it off. When asked to verify agencies information ( name, address, professional license number ) became more aggressive and disconnected the call. When I attempted to contact the agency for the details, I was transferred to another collector ( XXXX XXXX ) that the previous collector ( XXXX XXXX ) was no in charge of the account. I have tried to verify Professional License XXXX through various agencies and I have not been able to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 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: NC

Complaint narrative:
Received a statement ( not itemized ) from Rent Recover Solutions, XXXX saying that a balance of {$5100.00} was due from 2012. This communication was mailed to my place of employment and to a post office box that I no longer have. 

The original bill is from the XXXX Apartments and was in the amount of {$650.00} which was not paid. The XXXX Apartments sent this to collections where it appears fees have incurred. 

Rent Recovery Solutions is threatening a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: TX

Complaint narrative:
XXXX XXXX and UAC failed to provide the services that they sold me on. They never reported the correct information on my credit report of me paying on time with not one missed payment, when they should have done so as they promised in their contracts, they also didnt honor a warranty on a faulty car that knowingly they supplied a bad transmission and returned it to me- which had to be towed away from the mechanics shop that I was told to take the vehicle to. The moment that I take my vehicle in for repairs and they provide a faulty transmission and I refuse to give them another dollar until they fix it, being that it is under warranty they happen to repossess the vehicle and do a charge off/collections. I also reported them to the XXXX two times, they have gone as far as submitting a story that is far from the truth. I have the receipts and an email to prove that they lied, saying that they honored the warranty that I refused to pay for the vehicle with other things that the vehicle did not have. With that being said, insult on top of injury they do not report correctly to the credit bureaus repeatedly.

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 2015-08-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: DISCOVER BANK
State: MN

Complaint narrative:
My Son and I applied for a college student loan with Discover Student Loans because they have displayed/promote on their website viable rates as low 2.99 %. I have very good credit of XXXX and the lowest they gave was 6.5 %. I 'm not new to student loans because I have XXXX older Sons in college with private student loans also and I know what to expect. I think it 's a scam and dishonest to promote such a low rate when it 's really not available ( 'bait and switch ' ). I went with XXXX XXXX XXXX loans because I received a substantially better rate, Substantially!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
Can a debt collection report something to XXXX of the credit bureau 's before XXXX months after it become ( delinquent ). I had to move from my housing complex and I did not get in touch with my ex landlord for XXXX months after I moved. It was not my intention not to settle this matter at all, and I do n't fell that it was wright for a collection agency to report it to the credit bureau because when they called me I did not agree to settle it with them. I told them that I would contact the creditor to make a payment plan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
I recently filled out the required forms to transfer IRA CD 's from Discover Bank to a different bank. The instructions that were sent to Discover Bank instructed them to perform these transactions " at maturity ''. They liquidated the accounts immediately ( XXXX XXXX, 2015 ) and an early termination penalty was charged. Since that time I have called Discover multiple times and the fiasco is still not resolved. This is after working multiple days with a supervisor, XXXX, at XXXX. Discover Bank has VERY POOR customer service and does not properly train and supervise their employees. Thanks for nothing XXXX for your association with Discover Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect
State: FL

Complaint narrative:
I was told by the hospital that this debt was covered under the indigent/charity program since I did not have insurance. You need to discuss this with the hospital as they have informed me I have a {$0.00} balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
i received a telemarketing company call on XXXX 2014 from a merchant that called itself XXXX .when i received no goods or services i called my discover card only to find out they would not help me.i explained to them i was rendered no service they proceeded to tell me i was outside the time frame to dispute.i argued with them that i received nothing, but it did not seem to matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I sent an id theft affidavit to Equifax to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section 605B clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted the credit trade line and noted that the account had been re-aged since XXXX took over the account from XXXX. XXXX and I entered into a Settlement but re-aged the account to keep a derogatory mark on my credit report. I then complained to the XXXX credit bureaus and they only asked XXXX if the information was correct and XXXX said it was. Despite my providing proof of the settlement agreement, Equifax refused to delete the trade line from my credit report. They also refused to report the balance owed as {$0.00} since I paid per the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have multiple accounts on my credit file that Equifax refuses to remove, even though I have proof that from the companies that they have sent letters stating to remove from my credit file, which I will upload below, and Equifax has not done so. 

XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1400.00} These XXXX XXXX accounts appear on my credit file twice, I have a letter stating that the first XXXX XXXX account is a closed version of the second, and the second letter states that the second account must be removed, so the first account must also be removed because it is a version of the second account. 

XXXX Bank XXXX {$6200.00} XXXX XXXX XXXX XXXX {$1500.00} The XXXX XXXX XXXX XXXX {$170.00} These accounts must be removed and Equifax is in violation of the law because they have refused to remove them even though the companies have given the OKAY to have them removed from my credit file. I have also added my ID, SSN, and proof of address for processing. Thank you

Company response to consumer: Closed with explanation