vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XXXX @ XXXX CST I received a call from XXXX XXXX who transferred me to a XXXX XXXX XXXX XXXX XXXX XXXX . Not sure of the exact spelling. I advised I needed to call him back after XXXX today. I called back at XXXX and asked for XXXX XXXX , another gentleman answered. XXXX XXXX then got on the line and explained I owed {$9600.00} for a Discover Card opened in XXXX and closed in XXXX. I stated I never had such card and advised him he was mistaken. After @ XXXX mins conversation he finally stated he recorded our call towards the end. I told him that was not legal and he should have advised this in the beginning. I asked for a Case # he never provided it. When XXXX XXXX initially called me she said she was calling on Case # XXXX. She did not state anything else and transferred the call. I never had a Discover card. XXXX XXXX also had personal information SS #, former and current residence addresses. Threatened to cease all bank accounts effective XXXX on XXXX. I again explained I would need to find an attorney to dispute the charges. XXXX XXXX became offensive and continued to state my accounts would be ceased effective Wed XXXX. My concern was his knowledge of information and his " collection methods '' I asked for written documentation to be mailed so I could validate the alleged debt, he clearly indicated he could not provide such, he was only here to collect the debt! This is unprofessional and uncalled for. I wanted to submit an official complaint for 1 ) a debt that was not mine 2 ) the methods used, 3 ) harassment on the phone 4 ) etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discovery Bank sued me for a credit card I did not apply for, XXXX I was under the age when this card was opened. I have no Knowledge of the said debt and would like it removed as its reporting to the CB as a public record and judgement affecting me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
CFPB Complaint Against Dovenmuehle Mortgage I was caught in an unfortunate situation and in order to save my home, I found myself having to declare bankruptcy. This was due to a significant reduction in income. I filed for bankruptcy on XXXX XXXX, XXXX and received a discharge on XXXX XXXX, XXXX. Although I have continued to make payments on time, I have not received any statements from my mortgage company ( Dovenmuehle ) since I filed. So, I do not know how my payments are being applied, what goes to principal, what to interest, what to escrow for taxes and insurance. I did receive a letter from them in XXXX stating the my mortgage was going up to cover an escrow shortfall. Dovenmuehle has even stopped reporting my payments to the credit bureaus. I have called Dovenmuehle several times requesting that my statements and credit bureau reporting be resumed and online access be restored, but have been rudely denied these services each time. They claim that since I did not reaffirm the mortgage in the bankruptcy I have no legal right to have access to this information, yet they continue to expect on-time payments. I contacted my attorney on XXXX XXXX, XXXX regarding the situation and her response was : " They did not send me a reaffirmation agreement. The Bankruptcy Code does not require debtors to reaffirm debts in connection with real property ; therefore, lenders with liens on real property typically do not send reaffirmation agreements. They are not being truthful when they say that they can not send you a statement. They choose not to send you a statement. '' These are Texas laws maybe not Illinois laws. But I am governed by the laws of the state in which I reside. They want me to reopen my case so I can reaffirm the mortgage. Not necessary in my or my attorney 's opinion. 

I have never been treated so rudely by any company as I have with Dovenmuehle. I am not the second-class citizen they would try to have me believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: AL

Complaint narrative:
I was laid off and am currently receiving unemployment. I have explained to Discover Card Services that due to my circumstance, I am unable to make the full payment, and have asked them for their help regarding a hardship payment reduction plan, and they have refused saying they can not do any better than my current interest rate of XXXX %. I have continued to make a reduced payment as to the amount that I can possibly afford, yet they continue to call and demand more from me, and have said that they will turn report this to the credit agencies. In the meantime because I am unable to make the full payment they are tacking on late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK
State: TX

Complaint narrative:
In XX/XX/XXXX I was working for a company that was unable to pay a business Discover card. Despite the fact that the debt was time barred from collection against me in XX/XX/XXXX Discover reports to my XXXX credit report that the debt was charged off in XX/XX/XXXX AND collectible. When I call to ask why they are doing this they attempt to collect on time barred debt. They are falsely reporting a balance as COLLECTIBLE to my XXXX and XXXX credit report to collect on time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover card has false advertisement for their terms and conditions for one of their credit card benefits. The benefit currently that has false advertisement, or better said, fraudulent information is their Price Protection benefit. As a consumer, I am under the impression the information presented on their website will be update to date and provide the latest terms and policy for any and all terms and conditions. When I call, I was informed the price protection did not cover blu-rays and/or dvds as of XXXX XXXX, 2016 ; however, as of XXXX XXXX, 2016 the terms and conditions a consumer has to good by do not reflect this information. I can present a printed documentation of the online terms and conditions as of XXXX XXXX, 2016. This has caused me to have monetary loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Acquired Assets, Ltd.
State: TX

Complaint narrative:
i sent allen and association a debt validation on XX/XX/2016, i never received docs in regards to this account they say i owe, they are violation of fcra and fdcpa i want this deleted from my XXXX credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
In XXXX, 2015 while at work, I received emails and phone call from M & TBank stating there was suspicious activity on my account. When talking to the young lady from the bank she said a purchase was being made at XXXX in my area for {$400.00}, I said I am at work and I initially thought one of my clients stole my card from me. I immediately left work to try to get to the bank before closing, and I found that my debit card was actually in my car arm rest where I left it a few days prior. I asked the bank officer how could someone make purchases with my card when it was in my car. He said that people are able to steal your identity and scan your card to make duplicate cards. Because of fear of more frauduelnt activity, I looked at all of my credit cards and bank statements and found that no other activity was observed. I also filed a police report. The money was credited to my accoung within 10 business days, however as of XXXX XXXX, 2015 the money has been taken from me again and now there is overdraft fees accruing on the account. I have talked to several representatives and no one has offered any real resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
After paying off my account balance with Discover recently, they chose to lower my credit line to XXXX from XXXX. They cited recent credit items as the reason for the decrease, most of my accounts are paid off recently. If anything, my credit line should have gone up due to my score going higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Asset Management Group, Inc.
State: TX

Complaint narrative:
XXXX and XXXX Called me, my husband and mother-in-law stating they had a summons and had questions about a property address. They also said ( XXXX times ) that this was their final call. They made it sound like some sort of emergency, I was given a case number. They call themselves the XXXX XXXX, and are asking for a social security number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: DISCOVER BANK
State: DC

Complaint narrative:
I discovered that someone opened a Discover card account without my knowledge or consent. When I found out, I sent Discover all sorts of information showing that I was the victim of ID theft, and asking them for what information they had to give them the authority to open the account, but they keep sending me pages and pages of statements that they said they mailed me ( the never did ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XXXX XXXX 2016, Discover it closed my credit card account without a reason. They claimed that they closed my account based on a business decision. But I ca n't see any reason that may lead to that business decision. I 've attached my most recent 4 bank statements, which clearly show that I never abused my credit and no reason can cause my credit account closure. This closing action will significantly affect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I applied online for a Discover personal loan. I am a XXXX Non-Resident on XXXX. Their questionnaire asked whether or not I am a US Citizen - I selected " No ''. Their questionnaire asked whether or not I am a Permanent Resident US Citizen - I selected " No ''. I then completed the rest of the application and submitted it for approval. Discover then conducted a hard credit inquiry and declined my application. I called Discover to understand why my application had been declined and the customer service agent told me that Discover does not provide personal loans to non-US Citizens or non-Permanent US Residents. If they already knew from the application form that I did not qualify for a personal loan, why was I allowed to proceed with the application and be subject to a hard credit inquiry? As a result of the hard inquiry my credit score is now lower versus before the inquiry, which will negatively affect my ability to obtain a personal loan from another financial institution. The customer service agent told me that Discover did n't want to discriminate against non-residents during the loan application process, i.e. all are welcome to apply. However if it 's Discover 's policy not to lend to non-residents, then they are still discriminating against non-residents. While I can understand their reluctance to lend to non-residents ( albeit short-sighted in my opinion ), why did n't they transparently preclude me from continuing with the application vs. doing a hard inquiry?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card offers an interest rate from 11.24 to 23.24. You would assume that a person with great credit ( XXXX equifax ) would get a low rate ... ... not so!!! They gave me a rate of 18.24. This is dispictable. The XXXX customer service people I talked to could not explain why. This is typical unethical marketing by a dishonest company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Placement Services, LLC
State: TX

Complaint narrative:
I have contacted the company and credit bureau about this this account. A representative told me that I will just have to continue to dispute this account monthly. This is a fraudulent account.

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 2017-02-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Allied Collection Services, Inc. (Nevada)
State: NJ

Complaint narrative:
I was a XXXX XXXX patient in XXXX when I suffered a XXXX. I was admitted to the hospital and kept 9 days. Ever since I have been discharged, I have had 4 providers billing me directly. My insurance company sent them warning letters for them not to bill me directly, I also emailed them copies of the letter which stated that they are breaking the law by doing that. They also are submitting the bill incorrectly, and one provider just refuses to submit bill to my insurance company despite the supervisor of my insurance company calling them directly. They sent the bill to collections, first one agency and then another. I did not receive any notification other than one call. I did not get a chance to dispute the bill. They also could not provide any info on who they were collecting the debt for. I told them I will not pay until they can provide me with proof on who they are collecting the debt for. A few weeks later, I was sent an email from XXXX that there was a collections notice on my report. I contacted the first agency that was listed on the report ( XXXX.ph : XXXX ), and spoke to XXXX who denied any knowledge of sending my information to the other collection agency, he only stated that they could not collect any debt in XXXX. I then called up the other collection agency on the report ( Allied Collections, XXXX ) and spoke to XXXX, I called up he told me that I had to pay the bill or it will ruin my credit history. Under severe duress, even though my insurance company told me not to pay the bill, I made a payment of {$350.00} on XXXX which included a {$16.00} payment processing fee. I work as a XXXX at a XXXX, and if my credit history is bad, they might not renew my contract. The collection agency promised to send me a receipt within 72 hours, but as of now, they have not sent the receipt even though I have requested that multiple times. The provider who was billing me and not my insurance company is called XXXX phone : XXXX. Because this involves companies in multiple States, I simply do not know who to turn to.

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 2016-12-08 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: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
Allied Collections Services of Nevada XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV. XXXX ) called me ( employee # XXXX ) to collect a debt that they claimed was from XXXX in XXXX XXXX. They were unable to confirm what the debt was for. I asked for this information to be sent in writing to my home address. This information was never sent, and yet a month or so later, with no attempt to contact me again, nor any written contact, the debt appeared on my credit report. I filed a dispute with the credit bureau, who removed it from their report. I then confirmed with XXXX and XXXX that the debt was in error. They confirmed that this information had been forwarded on to Allied Collections. Allied Collections denies this and continues to claim that there is a debt owed, despite having no evidence of it beyond the quantity of the debt, and without ever having contacted me in writing, despite ample opportunity.

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 2015-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Since XXXX 2015 I have been unemployed due to being laid off. During this time I have attempted to make my payments but when you have not income coming in it is very hard to do. I have been talked to very inhumane regarding my account. I am constantly being threatened by my car being deactivated. I am constantly asked if someone can pay for me. If that was possible, I would not be behind. Even though my sister cosigned with me, she does not help me at all with this even though she knows my situation. I am on my own right now. I am daily looking for work so I can get back on track with you all. This is the second vehicle that I have purchased through Credit Acceptance and I had no problem with my previous purchase. I want to keep my car but I need some assistance right now and no one in the organization is willing to assist me or work with me except for demanding that I make a payment. I need a deferment so I can get back on track and not ruin my sister 's credit because that is her main concern right now. I appreciate any assistance you can give me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I received a call on my cell phone voicemail that stated that person name is XXXX which is the manager she stated that they had gone to court and that if I want to resolve this I could come into the office so they could collect the collateral or if not they would be at my house today with a locksmith in the constable which I felt was uncalled for I know that they can not do this and I feel like they are harassing me in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
I WAS OUT OF WORK DUE TO XXXX. SO I GOT BEHIND ON MY PAYMENTS. I HAD EXPLAINED TO THEM ABOUT THE SITUATION. I JUST STARTED BACK WORK, HAD TO GET A CAR, SO MY FRIEND GOT THE CAR FOR ME. ONE DAY SOMEONE FROM CREDIT CENTRAL CAME BY THE HOUSE AND SAW THE CAR PEOPLE TAG ON THE CAR. THEY CALLED THE PLACE WHERE I GOT THE CAR AND TOLD THEM EVERYTHING ABOUT MY ACCOUNT WITH THEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
A company other than the original creditor collecting on a debt that is not mine. I contacted the original creditor and they have no knowledge or records of me ever living in their apartment complex. I have problems renting apartments because of this matter. The company who I rent for now took the liberty of verifying to the original creditor if I ever lived in their property and they told them no also. 7 years ago this same debt was removed from my credit report and this same company somehow managed to have it reported back to my credit report and updates its monthly so that it could remain on my credit file longer than allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WESTERN CONTROL SERVICES, INC.
State: CO

Complaint narrative:
This was paid over a year ago and have contacted western services and the credit bureaus about this with no results

Company response to consumer: Closed with explanation