vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
About a year ago I opened a Discover Bank online checking account. I already had an online savings account with them and was happy with it. I like getting bank statements and credit card statements mailed to me because they help me remember to reconcile and/or pay them in a timely manner. I also like having a paper trail back up for my files. I noticed that for some reason I was not receiving paper statements from Discover Bank, so I went online to choose that option. I could not find a place anywhere on their website where I could ask them to mail my statement to me. So I called the bank. After to talking with several people, I was told that I can call anytime to request a paper statement, but that they do n't have a paper-copy option for their online checking account. I was told that I had opted out when I opened the account ( this is mandatory ), and that I had waived my right to " opt-in '' because no such option exists. Wondering if this was legal, I did some online research. This led me to XXXX XXXX, Senior Consumer Regulations Specialist with the Federal Reserve Bank XXXX XXXX. I sent an email explaining my situation to him and he wrote back the following : Pursuant to Regulation E ( Electronic Fund Transfer Act ), you are entitled to written periodic statements for your checking account if electronic transfers ( such as ATM or debit card transactions ) can be made from the account. See 12 C.F.R. 1005.9 ( b ) and 1005.4 ( a ) ( 1 ) The E-Sign Act applies when a law or regulation requires written disclosures. 15 U.S.C.7001 ( c ) ( 1 ). The E-Sign permits the use of electronic disclosures in lieu of the written ones, provided the consumer consents and is notified of the right to later withdraw the consent. Regulation E specifically requires compliance with the E-Sign Act if a financial institution wants to provide disclosures electronically. 12 C.F.R. 1005.4 ( a ) ( 1 ). The E-Sign Act also requires financial institutions to provide consumers with the right to withdraw their consent to electronic disclosures. 15 U.S.C. 7001 ( c ) ( 1 ) ( B ) ( i ) ( II ). 

If Discover Bank is not complying with these requirements, you can file a complaint with its federal regulator for consumer protection issues ; namely, the Consumer Financial Protection Bureau ( CFPB ). You can contact the CFPB at XXXX or visit the CFPB 's website to file a complaint online. XXXX/We hope you find this information helpful. 
XXXX XXXX XXXXSenior Consumer Regulations SpecialistSupervision, Regulation and CreditSupervision, Regulation and CreditThe Federal Reserve Bank XXXX XXXXOffice : ( XXXX ) XXXXCell : ( XXXX ) XXXXEmail : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have had a credit card with Discover. They closed my account which is fine. However, the company is asking for more money than I owe and as I pay the balance just increases. I need assistance with this. I do n't mind paying for what I bought but not all the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received a letter from the XXXX , XXXX XXXX XXXX located in XXXX XXXX in late XX/XX/XXXX stating that I owed Discover credit card company {$5000.00} due to a transfer balance occurred on XX/XX/XXXX. I never owned a Discover credit card and did not do the balance transfer as they claimed. I have called XXXX Credit Card Company many times and they have told me that the transfer transaction never occurred on their records as well. File XXXX XXXX and XXXX XXXX are evidence that such a transaction never happened. I have tried to solve this false accusation with Discover Credit Card Company XXXX times as you can see from the attached file but they still find the balance valid. I even had the representative from XXXX on the phone with Discover representative to tell them that such transaction never occurred but they still find the transfer transaction valid. I am filing this complaint because I have been falsely accused by Discover credit card company for something I did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I BELIEVE I AM A VICTIM OF DECEPTIVE ADVERTISING. DISCOVER BANK SENT ME AN ADVERTISEMENT ASKING ME TO APPLY FOR A DEBT CONSOLIDATION LOAN. BECAUSE MY CREDIT IS N'T GREAT, I INITIALLY HESITATED APPLYING BECAUSE I KNEW CREDIT CHECKS FURTHER DAMAGE ONE 'S CREDIT SCORE. FINALLY, BASED ON THE SOLICITATION 'S " YOU ARE A VALUED DISCOVER CARDMEMBER, AND BASED ON OUR ELIGIBILITY FACTORS, YOU 'VE EARNED THIS SPECIAL INVITATION FROM DISCOVER PERSONAL LOANS, '' I DECIDED TO APPLY. I ASSUMED, SINCE MY XXXX SCORE APPEARS ON MY MONTHLY DISCOVER CREDIT CARD STATEMENT, THEY HAD ALREADY FACTORED MY CREDIT SCORE INTO OFFERING ME " THIS SPECIAL INVITATION. '' SURPRISE, SURPRISE! UPON APPLYING BY TELEPHONE FOR THIS CONSOLIDATION LOAN, I WAS INFORMED I DID NOT HAVE A HIGH ENOUGH CREDIT SCORE TO QUALIFY. IN SUMMARY, I 'M MAD FOR TWO REASONS. FIRST, BEING AWARE OF MY CREDIT SCORE, DISCOVER BANK SHOULD NOT HAVE TEMPTED ME TO EVEN APPLY FOR THIS DECEPTIVE OFFER. SECONDLY, DISCOVER BANK 'S CREDIT CHECK WILL ADVERSELY AFFECT MY CREDIT SCORE, A SCORE I AM WORKING DILIGENTLY TO IMPROVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover started a promotion for % XXXX Cash back on ALL purchases when using XXXX ( No Exclusions ). I purchased an Iphone and applied for a Discover Card based on that promotion. Sometime shortly after the promotion started, Discover added restrictions to their original promotion. These new restrictions simply stated " Gift Card Purchases Excluded. '' Discover pulled a Bait and Switch with this promotion, they threw out a promotion with a great reward and no restrictions, once they had people committed and pulled in, they changed the terms of the promotion. On top of the change in terms, Discover also continues to add restrictions to the promotions such as the requirement to send them receipts to recieve cash back, the requirement to send receipts if a Giftcard was purchased as part of a larger transaction. Discover is requesting potentially sensitve Medical information about my family, they have stated through their offiical XXXX account that when sending a receipt you may not black out sensitive personal medical information. Discover has also changed their terms of the promotion without notice to disallow ANY sort of purchase of Non-Merchandise, eg. Cellphone Reloads, Transit Card Reloads, Prepaid Debit Cards, XXXX reload cards, all of which fall outside of their giftcard exclusion. Nowhere do their terms of the promotion state their extremely wide definition of a giftcard. Discover has acted in bad faith with this promotion, they lured people in with a very lucrative promotion and then changed the terms once people, like myself, had committed. They continue to change their restrictions and widen their denials, they request medical records they have no right to, and have acted in bad faith throughout the entire process of this promotion

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had an old 0 % loan on my Discover credit card for the life of the loan. Its balance was about {$1400.00}. On XXXX XXXX, 2016 I mistakenly made a {$5000.00} 0 % transfer loan on my Discover card also. Four days later I discovered my mistake and paid {$5500.00} to repay that {$5000.00} plus the transfer fee and a bit extra on the old loan. I was told that Discover, " at their discretion '' chose to pay the smaller 0 % loan that was for life of the loan instead of the larger 0 % loan that was due sooner. That is not right. Extra payments are to go to the loan that is due sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received a call stating my debit card had been locked and the automated call requested my card #, expiration date and # on the back. Half way through the call I realized it was not US Banks normal call when a card is locked and that I was being scammed. I immediately called US Bank and had my card shut off and ordered a new one. I was surprised this morning ( 3 days later ) that the number is still working and the recording says it is the " 24 hour security line '' and asks for the information. I want to pass the phone number along so some one can shut it down. I only answered the call because it came from a city that I have relatives in and I figured it was a call from them. The phone number - out of XXXX, TX is XXXX.

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 2016-01-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: DISCOVER BANK
State: NY

Complaint narrative:
I went to the offices of XXXX & XXXX who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( Discover Bank ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was XXXX who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
I am the Trustee of my sister 's estate. She passed away on XXXX. There will be no probate. She had a pour-over will so anything not titled to her trust and anything w/o a beneficiary goes into her trust. I contacted Discover Bank ( an online bank ) for the XXXX time on XXXX/XXXX/15 where my sister, XXXX XXXX XXXX, has a savings account. ( I have had XXXX other contacts, all initiated by me. ) I sent them my certified documents ( about XXXX pages in total over the last month ) stating who I was, about the trust, etc.. and asked XXXX questions : Were any beneficiaries listed on this account and if so, who? ( So I can let them know as it would be my niece and nephew. ) What was the Date of Death value ( which I must report to the IRS to account for the value of the estate )? What is the current value? They told me that once they received my papers they would answer my questions. Now they are saying they wo n't ; that they do n't " recognize the authority of XXXX County ( WA ) Superior Court and that they want " Probate '' papers. They refuse to recognize my authority and they also refused to bundle up all my documents and send them to their attorneys. I am at an impasse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER BANK IS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$1100.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Inc
State: CO

Complaint narrative:
Third party creditor collecting for a party who decided to generate false accounts receivable for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
I received my credit report and Discover Financial Services account number XXXX is on my credit report. I did not open this account this is a fraud account. I have a fraud alert on my credit report I have talk with Discover and ask them to validate this account and to provide me with proof that this is my account. they will not provide me with any proof that I open this account this account will not verify the account please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: MO

Complaint narrative:
My XXXX student loan was bought out my Discover a few years ago. the first contact made my discover, was after they sent my loan to a collector agency. After I paid my loan for six months, Discover bought my loan back from the collection agency but did not inform me of this until after I called Discover because the payment was no longer going through my account. Discover was unwilling to lower my payments, and added penalties to my loan. Discover would not give me information for my taxes, until after the filing date of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: CA

Complaint narrative:
( Below is the last correspondence I sent to the company ) This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response dated XXXX failed to provide me with validation and instead asked that I provide you with information. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ 1,000If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within XXXX weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency. 

If you fail to remove the account, I will be filing a lawsuit for multiple violations of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I will be seeking civil liability in the amount of {$1000.00} per violation. Please also be aware I will file a formal complaint with the Federal Trade Commission, The California Attorney General 's Office. Thank you and I look forward to resolving this most expeditiously.

Company response to consumer: Closed
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
Recieved a call trying to collect on this debt but debt is not listed on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Second Round Limited Partnership, Austin, TX Branch
State: LA

Complaint narrative:
There is no option to select for what it is I am trying to complain about. I am filing a complaint because this company is preventing me from being able to purchase a home by continuing to report inaccurate information on my XXXX credit file. I have requested that the dispute comments be removed from this account because I am no longer disputing the account and I agreed with the way the account was reporting except for the dispute verbiage. I did dispute the account but they verified the information and I agreed it was mine so there is no reason to continue to keep the account in dispute as if I am still disputing the account. The dispute has been resolved. This company stated to me that they would not remove the comment unless I paid the debt and that is illegal. They are continuing to report an account inaccurately as in dispute in order to get paid. There are guidelines in place that are set by the government that will determine whether these accounts have to be paid in order to get approved for a mortgage and it 's not right that the collection agency is taking matters into their own hands.

Company response to consumer: Closed
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
Kay jewelers has been incorrectly reporting a over 6 year old debt to my credit bureaus. It has been reaged every time it was sold off to another collection agency and is still in the name of the original creditor who no longer holds the debt.The XXXX now owns my debt and has been unable to validate the original date as it has been closed and in collections for over 6 years. They are refusing to remove the negative account on my credit reports and have been negatively effecting my credit score each time they reage my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SRA Associates, Inc.
State: NJ

Complaint narrative:
I have been having health issues and while I, XXXX XXXX, was in the hospital XXXX bank charged-off my loan to a XXXX-party debt collector. SRA in Hi-XXXX, NJ on XXXX/XXXX/2015. On XXXX/XXXX/2015 my Co-Signer received a call regarding the loan and was offered a XXXX settlement. I then called back to get information about the loan and physical address of the agency when the Manager XXXX XXXX, kept talking in circles telling me I was only allowed to have the physical address if I was disputing the Debt. At this point I had not even received a validation of debt letter and asked for said letter as well as a breakdown of my balance, I was interrupted multiple times as well as I was told I MUST make a payment within the month of XXXX, which does n't even give me a full 30 days to receive the information to even dispute of part of the balance since I did n't know how a XXXX loan that I was previously paying before I got sick, became {$26000.00}. The agent I spoke to previously to manager could n't tell me what the interst rate was either, stating that it was " about {$3.00} '' per day. The agent, XXXX XXXX, was n't able to offer me a payment plan option either. When i spoke to the manager I was only offered the balance over 6 months ( about XXXX ) each month or a settlement of XXXX. Refusing to be upright and honest about what my options even were and leaving me more confused than when the conversation started. I also asked that they did not call the cell phones on the account but he refused to even tell me the cell contact numbers he had, instead i stated the only good contact number for me and the co-signer was the landline XXXX. I was under the impression i was going to be dealing with the creditor XXXX about this who i was trying to work with for payments and now i feel even more hopeless because this collection agency wo n't be upfront with me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: VERITAS FUNDING, LLC
State: UT

Complaint narrative:
We, I am hoping that, the Attorney General 's Office will take a 2nd look at the business landing practice to see if is in line with the state and federal law. 
I applied for a Mortgage loan through my loan, officer XXXX XXXX from Veritas Funding and I was approved for the loan and got through all the process to the closing and while I was waiting for the bank a date that I will be closing on the house. I have got a call from my loan officer stated that, you wo n't be able to buy the house any more. I was in shock and when I asked why because I have done everything they asked of me and signed all the paper from accepting the loan to the appraisal. He said that, the Veritas just did n't want to do business with me anymore, I have tried to contact the company and my loan office, none of them wanted to talk to me, they refused to take my calls and until now I have never heard from Veritas Funding or my loan officer. 
I felt discriminated and I want to State Attorney 's office to investigate of what really happy back then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation