vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
0N OR ABOUT XX/XX/XXXX2015 I RECEIVED A DISCOVER CARD IN THE MAIL .I DID NOT KNOW IF IT WAS REAL OR NOT I NEVER REMOVED IT FROM THE LETTER. I CALLED DISCOVER CARD COMPANY THE XXXX OF XXXX 2015 TO REPORT THAT I RECEIVED IT AND IF IT WAS REAL THAT I COULD NOT FIND IT SO I REPORTED IT LOST OR STOLEN. THE MAN SAID IT WAS REAL AND SOMEONE ACTIVATED IT THE DAY BEFORE AND HAD ALMOST MAXED IT OUT. AFTER HE TOLD ME WHERE IT WAS USED I CONFRONTED MY EX DAUGHTER IN LAW, WHO HAD BEEN AT MY HOUSE WITH THE GRAND CHILDREN THE DAY BEFORE. SHE CONFESSED I CALLED DISCOVER BANK AND GAVE THEM THE INFORMATION AND HER NUMBER. SHE SENT ME SOME MONEY FOR THE CARD BY MONEY ORDER AND I CALLED AND SENT IT TO THEM. I FILLEDOUT THE FRAUD REPORT FOR DISCOVER AND WENT TO SHERIFF OFICE TO FILL OUT COMPLAINT. AFTER XXXX TRIPS TO SHERIFFS OFFICE OFFICER XXXX SAID THAT HE TALKED WITH DISCOVER AND THEY WOULD HANDLE IT INTERNALLY. ALL THEY DID WAS CONTINUE TO BILL ME I GOT A LETTER STATING IT APPEARED TO BE FRAUD BUT I HAD NOT DISPUTED THE CHARGES SO I DISPUTED THE CHARGES IN WRITING. I DO NOT KNOW WHAT ELSE I CAN DO .I DID NOT ASK OR ACTIVATE THE CARD OR USE THE CARD AT ALL. I HAD THE CARD CANCLED THE FIRST DAY I CALLED XXXX THAT THEY NOT SEN ANOTHER CARD. FOR SOME REASON THEY CHANGED THE ACCOUNT NUMBER BUT DID CANCLE THE CARD BUT THEY ARE HOLDING ME RESPONSIBLE FOR THE BILL I NEVER ASKED FOR OR AGREEDED TO BE RESPONSIBLE. WHAT ELSE DO I NEED TO DO. IT IS NOT MY BILL I DID NOT GIVE ANYONE PERMISSION TO USE THE CARD. I DID NOT EVEN HAVE THE CARD WHEN I REPORTED IT LOST OR STOLEN. PLEASE HELP ME I AM A SEMI RETIRED PERSON AND CAN NOT PAY OTHER PEOPLES BILLS. MY EXDUGHTER IN LAW HAS BEEN IN AND OUT OF PRISON FOR THEIF. I AM TRYING TO RAISE HER XXXX CHILDREN WITHOUT ANY HELP FROM EITHER PARENT. WHY CAN I NOT GET THEM TO USE THEIR FRAUD PROTECTION IN THIS CASE? IS IT BECAUSE I WAS HONEST AND TOLD THEM WHO DID IT AFTER I FOUND OUT AND GOT HER TO PAY BACK SOME OF THE MONEY? WHAT CAN I DO? XXXX OFFICE SAYS I HAVE NOT BEEN OUT ANY MONEY SO THEY WOULD NOT LET ME FILE. I AM STILL GETTING BILLED AND IT IS HURTING MY CREDIT. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX SINCERELY YOURS XXXX XXXX. PS I DO NOT KNOW HOW TO SCAN DOCUMENTS I CAN FAX THEM OR MAIL IF NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank sent me an offer stating that if I opened up a savings account with them, depositing at least {$10000.00} by XXXX XXXX 2015, they would issue me a {$100.00} promotional credit within 4 weeks of opening the account. I opened the account, placed the promo code in the field, saw where it said I would receive {$100.00} and proceeded to deposit {$15000.00} into a savings account transferred directly from an external credit union. After 4 weeks, they only issued me a {$50.00} credit. I complained to Discover Bank but was told they needed 6-8 weeks to " investigate '' the issue. This seems like a well thought out scam - the bank gets my money and can loan it out or invest it at a higher rate than I am receiving, and they delay on giving me the full promotion to which I am entitled thereby making even more profit off of the offer they seem unwilling to honor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
I paid to get a XXXX put in my truck on XXXX XXXX, 2015 by XXXX XXXX in XXXX, Mo. Immediately after I called XXXX to let him know the XXXX did n't work. I brought it back and he said it was n't his problem it was the truck. We just bought the truck so I called the dealer, XXXX, they looked at it and said that it was a faulty XXXX that XXXX installed. My husband called XXXX at XXXX and he said he did n't want to talk to us again nor see the truck again. We filed a dispute with Discover credit card company, in XXXX. Then we took our vehicle to the dealer, XXXX, to have them replace the XXXX so we would have a XXXX that worked. We sent the receipt to Discover along with a letter from the service manager stating the XXXX was the problem. XXXX at XXXX XXXX claimed he did everything right and that he tried contacting us on numerous occasions, which he did AFTER we paid to have the truck repaired. Then Discover found in XXXX XXXX 's favor even after we showed proof that we had to pay someone else to fix what XXXX would not. We are extremely frustrated with the process that was taken and feel that we have been wronged by Discover as well as XXXX XXXX. All we want is our refund for what we paid for the XXXX and our down time for the truck being out of service. We were without the use of our vehicle for several days due to the mishandling and unwillingness to fix the problem the merchant created. I have filed numerous letters with Discover and they say that the issue is resolved. I am out the money I paid XXXX as well as what we paid to the XXXX dealer to fix our truck. Not to mention the vehicle being down and unable to be used do to this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have XXXX. I have been in school. This month i get a doctors bill from XXXX 60 days over due. Someone steals my bank card for my bank. Now my credit card keeps going up even though im making the minimum payments. This is sick. This is criminal. My discover card was under XXXX two days ago. Im making no charges on it and now it is over and i think it is to stop me from continuing to publish myself as XXXX. I have the right to do what i want and to fight fir my career. I am not going to be a XXXX or work with XXXX. I am now one class short of a degree in XXXX and i want to be XXXX and XXXX using insurance as an excuse when i was XXXX for fove years is wrong. So is my credit card company and XXXX squeezing me dry. Im not crazy. This bullying is. Im not a loser. I will not be pushed down and told i cant be XXXX. That is what im trained to be. My education is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
This is a follow-up to the complaint with Hunting bank. They responded in XXXX but I was not able to login to my account to view their response until just today. I call the cfpb a couple of times saying that I was not able to login to my account there, but never got a response other than someone would get back to me, but they did n't. 

I disagree with their response that I refused their offer to re-finance under their home savers program. What happened is that I was working with a XXXX XXXX, a mortgage officer at their XXXX XXXX. This person was very unresponsive and inept in dealing with my problem. She thought that she could do a refinance on both my first and second mortgage despite the fact that I was already past due by a month on paying my loan balance to them of over {$52000.00}. By the way, I did contact her as soon as I got the notice form the bank that my entire loan balance was due and payable in full, but she was slow in getting back to me and did not return my calls. 
After her working on the refinance for over XXXX months, she finally told me that she could not do the loan as my payment of the {$52000.00} to her bank was not paid and my account was past due. She knew this back in XXXX and should have told me at that time. If she had been a competent loan officer, she would and known when I first contacted her that she could not do the loan. At that point, I would have accepted the first offer from their XXXX XXXX department. Because of the way she handled this, I had hope that she was able to refinance both my first and second mortgage at a lower rate than the XXXX XXXX department offered. Because of how she handled this, I had to re-apply for the XXXX XXXX option and it took several more months of missing payments. I found that there was no communication between the various departments at Huntington Bank involved in my problem, despite the fact that I told each department which other departments I had talked to and gave names of who I was talking to in each department. 

Because of the way this whole thing was handled, not only is this costing me more because of the payments I missed, but I was approved at XXXX other mortgage companies for much lower interest rates to refinance XXXX mortgages but was only rejected at the last minute in XXXX case when Huntington Bank told them that my loan was past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Capitol Credit Company
State: NC

Complaint narrative:
capital credit illegally repossed my truck 1 week later after i renewed my contract with them my first payment not due till XXXX/XXXX/16 my truck there was not an active repossesion order on my truck i didntbowe capital credit anything i called and tried to talk to curt from XXXX nc office he talked real nasty to me they gave me 2 days to come up eith XXXX to get my truck back and then expect me to pay XXXX every month i feel like im being taken advantage of i hope you guys can help me thas the only means of transportation i have please help me

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 2015-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a third party check into my account through an A.T.M machine at my financial institution Bank of America on XX/XX/2015 for the amount of XXXX {$.00} The receipt stated that there would be a two day hold on the check. I waited for three days and started to pay some bills trying to pay off credit card debt. Through the course of the day it was brought to my attention that my bank was not honoring or paying for any more transactions. Confused I looked at my account and saw that the large check deposited three days from that point had been " reversed ''. I called the bank and actually was able to talk to someone at the very store we bank at ( This has never happened before, in the past we are connected to someone in XXXX to try to resolve questions because no one at the bank answers the phone ). I asked the person answering to look into the matter and he told me that because it was a third party check and they usually do not accept third party checks that a COPY of the check was being sent to our house and only after we recieve the copy would we be in the position to " what action could take place from there ''. I waited three days and called the bank again asking them to look up and see when they sent the copy because I was incurring overdraft fees every day from them and I needed to rectify this situation. I was told that he did n't know when they sent it out but they had up to 10 days for it to arrive. I asked if I could come and get the check from them and was told no I could not because they no longer had access to it. This is our money, there is no dispute with the legitimacy of it and meanwhile because they are keeping the money that should be in my account I have over drafted and am getting hit with fees every day. Is there any way you can help me get this check so I can take it and open an account at another facility?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: First National Collection Bureau, Inc.
State: MN

Complaint narrative:
Car was repossessed in XX/XX/XXXX. They came and got the car, and sold it for less than market value, market value at the time was XXXX The original debt was XXXX -sold car for less than {$1000.00}. NOW they say today XX/XX/XXXX ( 18 years ) I owe {$12000.00} ( caller of collection agency -said this ) This is the XXXX collection agency to purchase this debt. Letter received says I can settle his debt for a mere $ XXXX! 
Agency is First National Collection Bureau , 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 2015-12-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Gitsit Solutions, LLC.
State: FL

Complaint narrative:
After a mishap by my Property Insurance Agent who mistakenly did not report to my lender a copy of a valid Insurance binder as proof of my home owner 's insurance coverage, a force placed insurance was applied to my mortgage loan. The forced placed caused an escrow shortage which the servicer attempted to cure by increasing my monthly mortgage payment amount. This new mortgage payment amount proved to be a hardship to me which caused me to fall behind on my mortgage payments. After some months of trying to request a correction of the error. I was offer a Forbearance Plan by Kondaur Capital Corporation. However, in their effort to assist they made a fatal error that may cause me to lose my home. Attached is the letter written and dated XXXX XXXX, 2014 offering the Forbearance Agreement and the executed Forbearance Agreement. The problem is that the agreement directed for the commencement of the agreement initial payment to be paid by XXXX XXXX, 2014. This was a fatal flaw in the agreement. It provided only two ( 2 ) days. The letter was not received by the borrower thru the XXXX mail until the XXXX of XXXX, 2014. Nevertheless, the Borrower XXXX XXXX signed the agreement and mailed all XXXX of the required payments dated XXXX XXXX, 2014 to Kondaur Capital Corporation in advance in good faith ( proof is attached ). The Borrower subsequently received notice from Kondaur Capital Corporation that the Forbearance Agreement was cancelled because she paid the amount due after the required date of XXXX XXXX, 2014 as per the agreement. Months and months of trying to get someone at Kondaur Capital Corporation to acknowledge and correct their error went unanswered. To further exasperate this matter, Kondaur Capital Corportion refused to return the XXXX XXXX XXXX XXXX payments. Kondaur has since refued to work with me to correct their error and began foreclosure proceedings. To make matters worst, they transferred my the servicing and rights to my mortgage to XXXX XXXX XXXX XXXX in XXXX Florida. This new entity will not negotiate with me, will not cooperate to bring my mortgage current. In fact, XXXX XXXX XXXX XXXX is a XXXX real estate investment company whos objective is to accertain non-performing loans in the hopes of foreclosing on dismayed homeowners and reselling their homes at a higher profit. They make no bones about what they are doing. When you call their office at XXXX, they answer the phone inquiring " what property are you interested in purchasing and would you like a showing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Veros credit has reported to the credit bureaus, the same account three times with different amounts.Each has the same account number listed. The amounts are XXXX, XXXX, & XXXX. These are false statements.

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 2015-04-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Ace cash express sent me email correspondence stating my payment would be withdrawn from my account on XXXX/XXXX/15. On XXXX/XXXX/2015 I received an email confirmation stating my payment was withdrawn from my account, causing my account to overdraft. When I filled out my application I advised the dates I get paid through my employer. I have sent Ace an email expressing their error and demanding a refund of the payment, plus fees associated with the overdraft. This company advertises that they are there to help those in need when in fact, they have cause me personally more financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: NC

Complaint narrative:
After an audit of historical certifications of GI Bill benefits I used at XXXX institutions, the VA determined that I was over-certified at all XXXX institutions, over several semesters. At all stages I committed to paying the debt, but only when the VA determined the entire amount owed. However, the VA began collections on portions of the debt before a total amount was certified. By the time they had stated a total amount owed, they attached fees and penalties to that amount, and had transferred portions to the Treasury Dept. and they in turn to private collections companies Conserve and XXXX. I attempted to set up a payment plan for the total original amount of the debt, but that was rebuffed. I later offered to pay the entire debt in full, minus the fees and penalties in a one-time payment, but that was also rebuffed. I contacted the Treasury to get an itemized statement of the debt and they did not respond. At several points during the transfers of the debt, I was on XXXX XXXX orders with the military, as I currently am, and I believe the SCRA applies. Inaccurate and misleading reports were made to credit agencies concerning this debt, and my credit has been negatively affected, some aspects of my military service have been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: Meridian Financial Services, Inc.
State: NJ

Complaint narrative:
While staying at the hotel XXXX XXXX XXXX in XXXX in XXXX of XXXX, I was approached by a sales rep. for a company called XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX. They invited us to a complimentary brunch to show us the benefits of becoming a member. In my desire to travel more with my wife for a discounted rate, we joined based on the claim that a stay at their hotels around the XXXX and XXXX would be at discounts up to 40 % of prices on other websites like XXXX. 

I quickly found out after returning to the XXXX that the XXXX website showed no discounts and were in fact more expensive than other travel websites. In XXXX XXXX, I submitted a signed letter requesting a cancellation as per their required documentation and only received an email back saying " Your request is being reviewed. '' All of my requests to confirm my cancellation were ignored. 

In XXXX XXXX, I received a letter from a collection agency stating that I owed the balance of my membership. XXXX, a company based in XXXX, is using XXXX collection agencies to unjustly force Americans to pay for a service they did not provide.

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 2015-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
The person from the agency has a XXXX. It is impossible to understand her. I asked to speak with someone else and she refused. She was hateful and abusive. Told me I had to pay money I did not owe and her outrageous collection fee. Very unprofessional and demeaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I received an email supposedly from ACE SETTLEMENT DEPARTMENT, threatening to sue me for over {$4500.00} unless i paid a settlement of {$270.00}. Also threatened to press charges and send me to jail for 3 years and seize all of my bank accounts and assets if I do n't reply and pay. They had my correct SSN # and place of employment. I was told to reply to XXXXXXXXXXXX. 

I have used ACE in the distant past and if I owe a debt, I am willing to pay but I need a letter of proof. This email was threatening, as well as major grammatical and spelling errors, very unprofessional.

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 2015-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I fell behind on my payments and the company said they would help me save my home but they are trying to foreclosed on my home. I have been faxing documentation over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I 'm currently paying a loan by the month and i did get things caught up.But the loan company continues to harass me with phone calls and threatening me with legal action! I am currently on XXXX benefits with a XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Dyck-O'Neal, Inc.
State: OR

Complaint narrative:
Filed a recent complaint pertaining to same issue. Dyck O'Neal has continued to erroneously report my account late for the last 2.5 years. I am paying them on time and have been for the past 2.5- 3 years. Balance is almost paid off and I am in the process of buying a new home and am not able to due to all the lates they continue to report every month. Every time I call customer service they are rude and do n't provide any assistance they only yell at me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation