vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
On XX/XX/XXXX I my boyfriend at the time was put into XXXX on a XXXX. the next day I took all the actions to calling all of my credit cards and bank accounts to take him off of the accounts. I removed his name from my Discover Card and the following day he used the Discover Card to XXXX himself out of XXXX for {$10000.00}. Only to go back to XXXX the next day and is still in there. When he charged the card I called Discover and disputed the charge since he was no longer an authorized user. On XX/XX/XXXX I received an email from Discover saying that the charge was a valid charge and that there is nothing else I can do but to pay it. I 'm still trying to dispute it since he was not authorized to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I called Discover Bank to inquire about closing a Certificate of Deposit and the security representative asked me several " security '' questions about people I do n't know that are related to my ex-husband ( divorced 25 years ago ) but not to me. When I could not answer these questions they froze my accounts without telling me they were doing so. They did not send any notification to me by mail or e-mail that my accounts had been frozen or any notification that they suspected my accounts or security information had been compromised or that anyone had inquired about my accounts. So if someone really had tried to access my account, I would have never heard about it. They told me these questions were taken from Public Records. Presumably they are getting random information from web sites like XXXX and XXXX and using these for security. None of the questions were questions that I had set up as private security questions when I opened the account. Basically it seems to me that anyone who acquires public records information from one of these web sites can get access to your bank accounts at this bank. After some significant inconvenience, I was finally able to get my money, but I will not bank with Discover again since their security is extremely questionable if not downright fraudulent. I 've read that mining of public records data by banks is common practice now. I think this makes our money less secure, not more secure and is of no service to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
I made a number of purchases totaling close to {$20000.00} across XXXX Discover cards at XXXX and XXXX between XXXX XXXX and XXXX using Discover 's XXXX Pay promotion, which offered 10 % back on the first {$10000.00} spent on each of my XXXX Discover cards before the end of the year. Several weeks later, I received emails from Discover for each purchase, claiming that I must submit receipts for each purchase in order to prove that none of the items purchased were gift cards. There was nothing in the terms about needing to submit receipts, or that the burden of proof would be on me, rather than Discover, to ensure the purchases qualified for the promotion. Due to this, I did not save any receipts, and now will not be eligible for several thousand dollars in cashback that is rightfully due to me ( {$2000.00} per card ; the cashback on XXXX of the cards is doubled to {$4000.00} after 12 months ; a XXXX, concurrent Discover promotion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover Financial has included on my credit report an account that I have no responsibility for. They have refused to remedy the problem despite repeated requests to do so. This has caused my credit score to drop around XXXX points which has caused me to have XXXX bank loans refused, causing me a loss of business as well as other financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
this is in reference of the following complaint that i filed on XX/XX/2016 .... XXXX my question still was n't answer ... i stated that the attorney stated they where employee of XXXX XXXX that they are working on there behalf ... they are being mis leading because they are debt collectors trying to collect a debt ... that not mines ... but they want you to think they 're working with XXXX XXXX they why they are coming after defendant.. they said we are representing capital one.. and my question again are they representing XXXX XXXX as they 're they client or they are just debt collector, can they answer that please, and they also said there was no resolution reach at all. but once i told them that was n't my debt, they never respond back to tell me any thing different, as to ask more question they never stop collection of the debt, they proceeded to file a law suit, what happen too the fact that they suppose to hold off on collection for 30 days until they fine out if what i said was true, i should have got a response from them before they decided to file a law suite , so who else can i contact if i want to bring a law suit against them for fair debt violation, and they have a paper with the wrong amount, that does n't match the paper work of the complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I was approved for a credit limit of {$1400.00}. As of XXXX XXXX th 2015 I received a message stating that my credit limit had decreased to {$640.00}. I had a debt ratio over 50 % and have made payments on time for the short period I have had the credit card. Now this will reflect on my credit score as debt to ratio of 99 % of my credit limit used. I have a statement showing now - {$51.00} due to this decreases not to mention the impact it will have once it reports to the credit bereaus. I find this type of act to be very harsh considering I just received a credit limit increase on my XXXX bank card. This practice should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover card closed my account, refused to take payments from me, transferred the account to a collection agency alleging that a credit consolidator had approached them regarding my account, and finally reported the account as delinquent to credit reporting bureaus. 
I have never used a credit consolidator, and have not asked anyone else to contact Discover card on my behalf. 
After approx. 6 months Discover identified the name the credit consolidator they allege is representing me. I called the credit consolidator, who confirmed that they have never heard of me, have never represented me, and have never contacted Discover on my behalf. 
False negative reports by Discover have seriously damaged my credit rating, to the point that I was no longer able to secure a pre-approved mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card is / has charged off my credit card debt. I am in dispute with my mortgage company over a failed refinancing and a failed loan modification. Proceeds from these actions were to be used to pay off my credit card. I am pursuing legal action against my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
While reviewing my credit report I found that Progressive Management Systems had reported a debt to my credit report. The debt was for approximately {$120.00}. The original " creditor '' is XXXX XXXX Hospital. I do not have any bills for anything I have n't already paid. In fact I reviewed my medical bills for the year that this debt was supposedly incurred ( XXXX ) and I determined that all the bills I received that year were paid that year. I also reviewed my Flexible Spending Account for that year and all the medical reimbursements and I can not find anything to indicate I filed a claim that matches the amount or the time frame for the alleged date of service. There were no FSA claims for XXXX of XXXX. I have asked Progressive Management Systems to forward any documentation for the debt but they refuse to give me any information citing HEPA law. I asked them to send proof of the debt to the address they have on record and they refuse to. I even had them on the phone with XXXX and they did not give me any information other than that the debt was allegedly incurred by my ex wife in XXXX of XXXX. I have spoken to billing representatives at XXXX XXXX Hospital and they verified that nobody in my family had any outstanding bills. I spoke to XXXX from XXXX hospital in XXXX and she verified and sent me a letter that as of XXXX/XXXX/XXXX I had a zero balance. When that was n't sufficient to have the collections account removed I asked XXXX to send me an itemized history of my bills that showed a zero balance. They sent me that document as well dated XXXX/XXXX/XXXX. Progressive Management still continues to report this debt to XXXX and has refused to show me proof that I owe that money. They have not sent me any documents to prove that I have signed any contract for services rendered or any contract that makes me liable for the alleged debt. I have attached the documents I am writing about as well as some letters that I have sent out to the credit bureaus and notes from phone calls regarding this debt. I never got the chance to dispute this fairly and Progressive Management Systems ' continued attempt to collect this money by adversely affecting my credit worthiness without any measure of due process goes against everything that sets this country apart from others. I am disillusioned that consumers have very little recourse from corporations that prey on defenseless people. Many of my friends have said that I should just pay it and move on even if it is n't mine. I am a XXXX ; {$120.00} is not an issue to me. I have no problem paying money that I owe, but I refuse to pay something that I am not responsible for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: OR

Complaint narrative:
We did an equity loan on our home to pay down our credit card debt. My wife and I have combined 35 years of business with Discover but, when the XXXX manager checked the box, WITHOUT us knowing, to pay our card and then close the account. This was done without our permission. Discover closed our account, which since 1996 we 've never been late nor have we missed a payment. Even though the branch XXXX at XXXX wrote a letter stating it was a mistake, checking the box to pay and close our account, Discover refuses to reverse this error and reopen our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have a outstanding credit card dept. My wife established the debt. My name is the Primary Card Holder listed on the account. I do not think that that should be the case. I cancelled the discover card many years ago with the statement that I will not ever use them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
I received IRS Form XXXX for Tax Year 2016 indicating a discharge of debt by Discover Bank. My complaint here is not an admission that I owe or have ever owed this debt, I do not know at this time. I submit that if this was in fact ever a valid debt, it would have timed out years ago and the XXXX should have been issued long ago when it was clear the debt would not be repaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for the Discover IT card and was denied on XX/XX/XXXX. The agent I talked to that same day told me my credit application was n't even reviewed because I had applied for a duplicate card, and that if I applied for a different version of the card, I 'd be approved seeing as everything else was okay, such as waiting 12 months inbetween cards. I applied for the second card and was denied again. I was given misleading information that lead me to believe I 'd be approved, if I would just re-apply. I want XXXX of these duplicate inquiries, that adversely affect my credit score, to be removed. Multiple attempts to contact Discover over the last three and a half weeks have yielded no use.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Mnet Financial Inc
State: TX

Complaint narrative:
I was under XXXX when the debt occured, Placed on parent and childs credit history, when my mother called several times and asked that it be removed because I was under XXXX when it was incurred, they refused. Stating they do not removed from credit. ( My mother paid the debt ) This is illegal, as a minor I was not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: LA

Complaint narrative:
A representative from the Asset Recovery Associates called me and claimed to be representing a bank XXXX XXXX Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but ARA scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but ARA continues to try to call me to collect. This debt must have been purchased from the bank because ARA had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I moved into XXXX XXXX XXXX apartments in XX/XX/XXXX and out in XX/XX/XXXX. I provided all of my contact information the morning I turned the keys back into the front office so I would be aware of damages that required payment. I was not notified of any cost to cure damages in the apartment by the complex. I downloaded credit karma a couple years later after being declined for my first car loan due to a collection I knew nothing about. I was shocked to learn that a collection had been placed on my credit by XXXX XXXX XXXX and was damaging my credit greatly! The biggest surprise was years had gone by and no proactive effort from the complex had been made in order for me to have the opportunity to pay the damages instead of just damaging my credit! Over the years I reached out to the management company in effort to make payments or settle due to the age of the debt, the complex would not cooperate. The debt was sold to Professional Debt Mediation on XXXX XXXX XXXX and now shows as XXXX different debts both damaging my credit. I 've attempted twice to settle with the collection company who advised they go back to the complex with my offer for approval-again both times the complex has declined my effort. The debt is showing as {$1100.00}, the complex states they had to repaint the XXXX accent wall in the living room-this I understand and agree too. They also state that they had to replace the carpet in the apartment due to pet stains, I agree there were stains on the carpet and understand there would have been a cost to have the carpets cleaned. HOWEVER, stating they had to put brand-new carpet in the entire apartment ( mind you was very small ) and that it cost upwards of {$1100.00} I do not believe! After years of making an effort to right this debt and the lack of cooperation of the complex leads me to believe they are fraudulently hitting my credit for the amount of a debt that is not valid! The carpet in the apartment was not brand-new when I moved in and the complex is not entitled to the full replacement value, only the depreciated value of the carpet. So if the life of the carpet was expected to be 5 years and was 4 years old upon my move in date they would only be entitled to the remaining years value. I would like proof to be provided by the complex including : brand of the carpet, estimated life of the carpet, receipt for carpet upon installation prior to my move in date, and a receipt for the for the cost of damages repaired. If proof is provided and the full amount of the debt is validated, I would like an agreement to be made with the complex on payment arrangements or a settlement. I would also like my credit to be updated due to the lack of professionalism, tenant/consumer respect, and non-existent pro-activity to reach me before greatly damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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: Rent Recovery Solutions
State: GA

Complaint narrative:
RENT RECOVERY SOLUTIONS is a debt collection company that I have asked to remove debt from my credit report that I do not owe. Not only did they not remove the debt but they have it listed twice and refuses to correct this issue on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Miller, Stark, Klein and Associates
State: TX

Complaint narrative:
I 'm getting calls from a company claiming to be " Miller and Associates, '' phone number XXXX. Most of the time they call and hang up or I call and they hang up. They call saying I owe about {$4000.00} from a bank account with XXXX bank opened in 2011, and when I tell them that I have no idea what this is about they begin saying that I can deal with it in court. I have received no letters in regards to this debt, it 's not even on my credit report. I 've asked them numerous times to send me a letter with information about this and they say that I 'll just have to appear in court. I spoke with a " XXXX XXXX '' and she said that I was trying to defraud a bank, that I need to just " pay my bills '' and " good luck keeping my job. '' She even asked me to give her my employer 's name and phone number so she could talk to my boss, which I do n't understand why that has anything to do with anything.

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: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: ND

Complaint narrative:
I have had a credit card with Discover Card since XXXX. My husband was laid off. During that time Discover worked with us and we completed a 12 month program. After the program was completed they offered me a settlement on of around {$5500.00} on a {$12000.00} balance but said they would revoke my card. I have been working hard to reestablish my credit and did not want to have them revoke my card. A few months later ( XXXX ) after selling my home I was able to pay the balance of the credit card in full. I received a letter dated XXXX XXXX, XXXX, after paying the balance in full, I received a letter from Discover Card stating they had revoked my credit. I called and no one was willing to reinstate my credit card or remove the derogatory item from my credit. I could have closed the account myself an avoided having the " revoked '' listing on the cc or I could have settled and had the same result and saved myself {$8000.00}. I would like them to either reopen the account or remove the derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: IA

Complaint narrative:
universal acceptance corporation was asked not too call my references they were calling them because i had a bill with them and they kept calling them i have filed a complaint here befor and they agreed not to call but the calling has not stoped and my references have asked them to stop and they keep calling them

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief