vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
this is the XX/XX/XXXX or so complaint here nothing s resolved. herein i request the following an arbitration or i will be filing a lawsuit once counsel is retained for damages to my credit potentially as i have stopped and refuse to pay on a specific account for many unresolved disputes not dissatisfactions as been mischaracterized by XXXX who contines to answer the complaints we spend time to file despite requests to CEO ignored to funnel somwhere else. to someone who will handle. I need all complaints to this office UNRESOLVED still forwarded to me so judge will see the remarkable effort i made to resolve.With a perfect record here before i was treated in a discriminatory manner which appears to be against the law, in the summer having my calls funneled to a " special team '' i have stopped calling, stopped monitoring my accounts and in the case of XXXX have stopped paying as all requests for help are scripted or ignored or stonewalled. This is clearly a case where i potentially can suffer damages for not paying and i am not paying despite my almost 30 year history due to what is clearly discriminatory BAD treatmenat i have never experienced before. As such i want this and all previous complaints referred to legal department. I am away now getting medical treatment. POA has been sent to Discover. I want this to go to legal dept. I have had it with writing and getting a SCRIPT from XXXX who while he leaves out his name in the signature we know its him same script stonewall. There are DISPUTED charges for example i am told no balance where interest is affixed or prone and then it gets charged. I am being charged late fees on accounts when i am one day late or not at all and when my history of 20 plus years reflects no lates. And again this is due to not calling in due to the DISCRIMINATORY way i strted to be treated in the summer time having my calls fielded to a SPECIAL team. who would just stonewall. I have NEVER EVER been treated like this or have to go to these extremes to get help. I request an arbitrator at this time from discover or i file a lawsuit period. there has been and will be no use of my cards by me again. They seem to have the money to pay stonewallers for well over a year to send the same answer that not only does not address the heart of the issues but is anti customer and resolution. discriminatory is when a bank puts notes on accounts so as to prevent people from helping you. now if i get an answer from XXXX even though he leaves out his name in the signature i go to court. REFER TO LEGAL i want arbitration as nothing absolutely nothing has been resolved as of this date NOTHING. despite all attempts and usage of my time which i will not continue to do. without resolution. recognize i now have fees on my accounts becuase i refuse to pay in order to GET PROPER attention and i will NOT suffer those damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: DISCOVER BANK
State: MD

Complaint narrative:
Company garnished my bank account along with those that I was associated with even thought I was in a payment agreement with them and current on the payment agreement with no notice or attempt to renegotiate the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Miller, Stark, Klein and Associates
State: NY

Complaint narrative:
Harrassing calls ask for copies to be sent to me to no avail threathing take me court calling my job. Address they provided did n't live there. Keep asking me for my bank information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK
State: GA

Complaint narrative:
This is dealing with an Estate Debt. A major credit card company hired a Collections Agency to collect a CC debt after my mother death. I am the legal administrator for the estate. 

Upon contacting both the CC and the debt collector, I was told by the CC the debt collector is the only XXXX that can now neg. the debt with me. Upon contacting the debt collector I was informed by the collections company that if I wanted to settle below a certain amount, they would need to verify the amount in the estate account and where asking me to provide a bank account statement. 
I feel they have no right to request such a document. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened an discover bank saving account with a promotion code of XXXX. 
The promotion is {$100.00} bonus when I make {$15000.00} deposit by XXXX XXXX, 2015. I did make enough deposit by that deadline. However, months passed, but there is no bonus awarded. I contacted Discover bank several times, they always say they will check it and it would take more than one month to give me feedback.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/15, I bought a property located at XXXX Ca and was issued a loan thru XXXX. 
I am disappointed because my mortgage loan I got with the above mentioned companies are increasing my payment by about {$380.00} a month because I believe the loan was not properly executed as the Escrow account was not calculated correctly. Therefore I currently have a deficit in my Escrow account in the amount of {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: NE

Complaint narrative:
I have been receiving paper statements for my Discover personal loan, even though I had signed up for electronic statements when I received the loan. For over a year I had no issues, and received electronic statements and no paper statements in the mail, which is what I want. I contacted Discover right away after receiving the first mailed statement and I was assured that it was a system update error and it would not happen again. I have contacted them about this issue 4 months in a row. I have explained to them that I have had mail stolen from my mailbox and I 'm concerned about identity theft, but they will not stop the paper statements.

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 {$470.00} 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 2017-01-11 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
To whom it may concern, I have been charged a late payment APR by Discover for the last few years because of missing one payment XX/XX/XXXX. Based on the Credit Card Act of XX/XX/XXXX, I believe this has been done unfairly and in a manner that is against the law. To my knowledge, I demonstrated six months of consecutive on-time payments, but did not see m y original rate restored. In addition, I 'm not even sure I was the full 60 days late required to even trigger the default rate. 
I have repeatedly contacted Discover about this and they have told me that they will not lower my interexst rate and have been generally unhelpful in addressing my situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
on XXXX i enrolled in XXXX to check my credit.And on that date i found a credit card that was not mine, but on my account.So i called XXXX and asked them what this discover credit card is doing in my account.They told me that there was a discover card issued to a XXXX using my social security number on XXXX at the address of XXXX Il. XXXX.That was my sisters address which she had used my social security number to get this credit card.She did it in the past to me XXXX other times.Plus she even got a XXXX Il . XXXX.I called discover and gave them the credit card number of XXXX.They in turn did not investigate on that they investigated on my legal XXXX i have that i did not even use.The discover card that my sister got is still in use.My sisters name is XXXX, but she goes by her maiden name of XXXX.I want discover to close this account and investigate, but they will not.They said XXXX must be wrong.XXXX told me they are not wrong that is the information given to them by discover.I have copies from XXXX showing this.I send discover all the information and my identity, but they still refuse to do anything.Please help me out because i want to have my sister arrested for this so she stops.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect
State: WI

Complaint narrative:
On XX/XX/2016 I was informed by XXXX XXXX, the Director of Efficiency, Compliance and Privacy at XXXX XXXX XXXX, XXXX that a debt that was placed with the firm, Americollect, INC would be removed from my consumer credit reports. It has not been removed by Americollect, INC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
There was fraud committed against me in XXXX 2013 by sister in law that used to live with us. over $ 4XXXX in online charges were made by this person. shortly thereafter she moved out and left the state. I have called numerous times to Discover, filed fraud affidavit, and even a police report. They did credit most of the charges however, they left over {$800.00} for some reason. 
I am now learning about this as a result of being turned down for a car loan, because of the discover issue that is apparently reflecting negatively against my credit. 
This issue will now force me to pass up an opportunity to privately sell my current vehicle and most likely be forced to trade it in, in order to process the loan and obtain the new vehicle. This will cost me money I can not afford to lose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
In XXXX XXXX my checking acct was compromised that my credit card payment was auto-pay through. Since then I made monthly money order payments. My balance in XX/XX/XXXX was {$2000.00}. I sent 4 ) {$200.00} payments. I do NOT use the card for purchases & the interest is about {$3.00} a month. My balance is still {$1400.00}. I am clearly not credited for my XX/XX/XXXX payment. My bill went up that month instead of down. They insist that I was credited. There is some confusion because they repeatedly tried getting the payment through the bank, even though I told them not to. So they credited the bank payment then added it back on repeatedly. But it should n't take a genius to do the math. {$2000.00} minus {$800.00} is {$1200.00} not {$1400.00}. I called twice & wrote a letter & keep getting the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I just found out someone was billing MY XXXX Account XXXX years ago. 
I was receiving emails to my main email account stating that I was applying for mortgages. 
I 'm trying to nip this problem in the bud, but I 'm having a hard time getting the fraud alert off the ground. 
I tried filing a fraud alert, as per https : //www.identitytheft.gov/ but once I got to Equifax 's web portal, I could n't make any headway. 
They gave me a PDF file to mail in a form. Do they not trust me online?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: VT

Complaint narrative:
made payment on time but 20 minutes late was charged {$35.00} fee. Called to complain and was told fee would credited back into account for being a loyal customer since 1996 and always paying on time. Now two month later they { DISCOVER CARD } has n't given me a refund!! After phoning a bunch of times!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
There was an inquiry on my credit report in XXXX 2015 made from Discover company, I called Discover and stated to them that I did not apply for credit nor any goods from this company, This company called me and made an agreement that they will cancel the application and contact the credit bureau and ask them to remove the inquiry. The company discover did send me a letter but it is the fact that why it is taking longer than the usual time frame to contact the credit bureau to ask them to remove the inquiry off my credit report. I contact all XXXX major credit bureaus and the credit bureau that shows the inquiry which is from XXXX stated to me that Discover never did call or open up an send them an email to request to remove the inquiry, XXXX also told me that it never takes no more than a couple of days for a company to email them to ask for the removal of the inquiry. Discover has engaged in fraud and also made an attempt to open a application in my name. A month has passed by and the company Discover still has not agreed to what was been done and that was to ask XXXX in a email to remove the inquiry, There is no way that I can call XXXX and ask them to remove the inquiry the company Discover has to email XXXX and ask them to do it. But as of XXXX/XXXX/2015, XXXX stated that Discover never said anything, So I decided to file a compliant,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been working with Equifax for almost the entire year to resolve their claim to put information on my credit report that has not been verified. I have sent documentation to them to ask for verification but they have failed to answer my complaint. The issue I have is a bankruptcy that I asked to be verified, they did not respond, I have a letter from the South Carolina XXXX court which states that they do not report information to credit bureaus, when I challenged Equifax, they did not answer my specific complaint nor remove the bankruptcy and items relating to it. I have hired a lawyer to fix issues where the credit company was using my son, who has the same name, his information was showing up on my credit report. All I ask is the removal of the said bankruptcy from my file since they did not respond to my complaint within the allotted time prescribed by the law. I have supporting documents, but they are numerous, I will gladly mail them to you if you request them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax nor XXXX did not send me the proof that I requested on several inaccurate, erroneous accounts that are being reported on my credit. I feel as though they are refusing to help me with the issues I am having with specific creditors and collection agencies. I have sent them multiple letters and request to no avail. I feel as though I am being discriminated against and would like to have both credit bureaus investigated for not providing me proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
After multiple disputes Equifax continues to inaccurately report a late payment on my XXXX XXXX account in XXXX of 2016. XXXX has verified that I do not have a late payment and have sent multiple requests to update the information, yet Equifax is not updating the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Zenith Financial Network Inc
State: CA

Complaint narrative:
I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015

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 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax just added two items on my credit report on XX/XX/XXXX/2017. I do not understand how something that just appeared on my credit report on a Sunday when Equifax is closed on the weekends. The credit report dated XX/XX/XXXX/2017 can see two new items were added on Sunday. You can compare with my free annual credit report pulled this XXXX 2017. 
See credit report agencies can added anything and do n't protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My identical twin is listed on my credit report as an alias or other name. We have the same first XXXX letters of our names and the same last name as well as the same birthday. I understand the confusion howecer I am XXXX and she is XXXX. Her stuff is showing up on my report as im sure mine is on hers. This needs to stop. We are XXXX seperate people who need XXXX seperate reports. I do not know how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed this account over 4 times. You continue to report this account and have not provide me with the verificiation I request. promptly DELETE all information which can not be verified. I intend to pursue all my legal rights on this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries below I did not authorize and can not get Equifax to remove after I disputed them online and in writing. 

Thank You For Submitting Your Dispute Dispute Confirmation # : XXXX Dispute Summary Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX This is a fraudulent inquiry. 
Inquiries XXXX XXXX XXXX XXXX I did not authorize this inquiry. 
Inquiries XXXX XXXX : XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX I did not authorize this inquiry. 
Inquiries XXXX This is a fraudulent inquiry. 
Inquiries XXXX This is a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Reporting information on which I have Never requested,,,, in which impact my Credit and Score. I have sent letter on this issue to be eliminated asap from report and they ignored. 
The company are : XXXX XXXX XX/XX/XXXX2015XXXX XXXX XXXX XX/XX/XXXX2015XXXX XXXX XX/XX/XXXX2015I have not given authorization none of this Company.

Company response to consumer: Closed with explanation