vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I became past due on my Discover Credit Card last year. In an effort to remedy the situation I agreed to allow Discover to automatically debit my checking account in the amount of {$140.00} for 6 months. In exchange for allowing this to take place, Discover agreed to credit the monthly interest and late fees for the 6 month period, place a one time credit on my account of {$700.00} at the end of the 6 month period, and to " re-age '' my account with the credit bureau so that the previously reported delinquent payment would be removed. This arrangement started on XXXX XXXX, 2015. After making the 6 on-time payments, Discover has informed me that they do n't have notes showing me the {$700.00} payment promise. However, they do have notes on my account that reflect the promise to re-age my account, but they refuse to do so with the XXXX major credit bureaus. After requesting that the recorded call from XXXX 2015 be located, I was informed that they were unable to do that. However, they would likely be able to get the call if required by the legal process. 

I 'm writing this complaint because it 's really disappointing that a financial company promises to do something, the consumer attempts to correct a wrong, and then the financial company does n't uphold their end of the bargain. I feel as if Discover took advantage of my willingness to pay and made promises they never intended to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Management, LLC
State: CO

Complaint narrative:
I 've spoken to multiple representatives at A1 collections in XXXX, CO. Every time i speak with someone the amount I owe has been a different number. They are over 2 weeks behind on processing the electronic transfer from my garnishment. As of now I have paid it off in full but they do n't have record of it so they are continuing to garnish future paychecks when to my calculations the amount in full is paid off. I find it really shady that they do n't have record of my most recent payments. I work for XXXX and have been in contact with my payroll division and they have promised me that they electronically transfer the garnishment and that there should be no more the 3 days for the money to be processed. A1 has been extremely rude and inconsistent with the amount of money. Maybe there is a lag in data processing on their part but I do n't feel like I should suffer because they do n't update their payment records in a timely fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
I made {$7300.00} of purchases on my discover card using XXXX that should have received XXXX % cash back ( {$730.00} of cash back ). Thus far I have only received {$230.00} of cash back related to this promotion and am missing the other {$490.00}. I 've made several calls to Discover but nobody has been able to resolve this issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Back in early XXXX of 2015, I saw a promotion for Discover bank where if you have a Discover credit card and never had a Discover checking account, you can use promotion code " XXXX '' to open a new checking account, and after XXXX direct deposits, the bank will issue a {$300.00} bonus into the account. 

I had a Discover credit card and never had a Discover bank account, so I signed into my Discover credit card account online and tried signing up for a new checking account using the said promotion code. Discover bank 's system accepted the promotion code as valild, that 's when I decided that it 's a really good deal and went on to complete the enrollment process. 

After making XXXX direct desposits as required, I called Discover bank to see when I 'll be getting the bonus cash from the promotion. That 's when they told me that I actually do n't qualify for the promotion, because after XXXX/XXXX/2015 they changed some fine print to make the promotion a " targeted '' XXXX, and since I 'm not on the target list, I do n't qualify, even though the promotion code was accepted during enrollment " because it 's a valid promotion code '' they say. 

From a consumer 's perspective, the fact that their system accepted my promotion code as valid during the enrollment process should mean that I qualify for the promotion. If I did n't qualify for the promotion, their system should have indicated as such, so I would n't be led to believe that I qualify and go on to enroll for their product believing I 'm getting a good deal. I have also never received any communication from Discover Bank after the fact to let me know that I did n't qualify for the promotion. Any other reputable online store I go to, if they accept a promotion code during checkout, that means I qualify for the promotion. I have never seen any other company accept a promotion code as valid " because it 's valid for other people and not you '' and never send out any communication to let a consumer know what 's going on. 

I feel that Discover Bank 's actions are misleading and deceptive. Their system led me to believe that I 'm getting a good offer and tricked me into enrolling in their product. They led me on further by never communicating the fact that the promotion code they accepted as valid is actually not valid, so that I would start direct depositing my pay checks into the new checking account with them. All the time wasted and emotional distress aside, I 'm seeking for Discover bank to honor the promotion and credit me {$300.00}. 

Thank you for your help looking into this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank admitted they made exactly XXXX attempt via letter, and XXXX attempt via phone -- at the exact same time no less -- before sending my account over to the XXXX of California via Escheat. I actually returned their letter with a Signature page to the exact address they provided -- within 3 days of receiving their letter. I kept a copy of the Sig page I returned to them XXXX attached ). I also received a statement from them from my account, in the mail, two months later. 

I never had a problem receiving quarterly statements via mail, and I did receive their letter dated XXXX 2014 and responded in Full. 

Over the entirety of my account with them, no personal information changed. No change in address or phone number. Despite all of this, and returning their letter to them within 3 days, they made no attempt to contact me to confirm anything, and sent my entire account -- my biggest savings account and XXXX I need access to -- over to the State. After only XXXX attempt via mail and XXXX attempt via phone -- at the exact same time ( What if I was traveling? Which I was n't ... ). 

I am losing interest accrued, and access to my biggest Savings Account for untold amount of time. It is inexcusable to do this to a customer given No change in circumstance and actually responding to their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I received a call from XXXX regarding a debt with Continental Finance. I told him to send a collection letter.He said they have sent letters to me.The only letters that I have received is from Continental Finance.He said he was going to start legal papers. The debt is below.The {$260.00} is for the {$96.00} annual fee, monthly maintenance fee {$5.00} a month and late fees. 

Credit Limit $ XXXX {$760.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: OR

Complaint narrative:
First, let me begin by saying we are half the issue here. There is accountability that we must own and we are willing to own. My husband pays our mortgage each and every month. Unfortunately, he pays each month late and willing to pay a late charge each month. We just learned that when we submit payment online by paying " Next Payment Amount '' that that total does not include the monthly late fee. Instead the late fees have been rolling over for several months. We now owe a large bill for late fees which appear on the monthly statement as " Total Charges ''. Based on what Seterus ' website indicates, it is fair to assume the amount needed would have included that month 's late fees. When talking with Seterus they are armed and ready to battle this complaint. They acknowledged that their website does not match their monthly statements. They explain it as a minimum due yet the website, when making a payment, does not indicate other charges or a past due amount or that there are other fees to reconcile. They are also quick to point out that they are not obligated in ensuring the information portrayed on the payment screen of their website matches their monthly statement. Their customer service is appalling. They are too preoccupied in stating their stance, extremely argumentative, condenscending and do n't listen to the customer they service. In fact, when I stated " ... this was the worst customer service I have ever experienced '', the response I received was, " ... that this was not customer service ... it is debt management. '' I have had bad customer service experiences before but this was just absolutely horrible/horrific! They are not solution oriented. When I asked for a solution, stated I feel mislead, and questioned why a company would let late charges keep rolling over month after month, their solution was to waive 18 % ... then because I was not willing to pay on the spot, implied to me that they suspect that we do n't have the funds to pay anyway and that the waiver was only good when paying on time. There are several lessons here for my husband and I, but we ensure or mortgage is current each and every month. There is no need to place judgement on us. Nor should they attempt aggressive predatory collection practices for {$1100.00} that we have little to no understanding of what these charges consist of to date. I would have appreciated a company who could have understood our plight and provided us a more accountable solution for both them and us. Their website should indicate the same information as their monthly statement or at the very minimum call the attention to us that there are these outstanding charges. It 's pretty clear we want to pay our monthly bill and that we were n't getting these charges were/are rolling over. We thought we had paid these charges each month when submitting payment of our monthly mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX/XXXX/2016 XXXX XXXX, 2016, on receiving three letters from Equifax addressing my complaints to the disputes to the false information on my credit reports. I did as Equifax 's letter requested and went online to fill out the forms. There was not enough space to accurately describe my situation. Also, when I tried to submit the information I got an error message my window had " timed out ''. Thus, losing all the information that was input. The window did not have the function to copy the information. 
My three previous complaints ; XXXX, XXXX and XXXX through the Federal Consumer Protection Bureau, have not been addressed. 
The false alias with the social security number needs to be removed from my personal information. So that the report is true and accurate. As stated in previous complaints, this is an actual person and not my alias. I requested from Equifax how that information was implemented to my identity. And have been ignored. Explaining this situation with an FBI agent, was informed that this situation is defined as " Identity theft ''. 
The false previous addresses continue to appear on my identity information. Equifax was submitted valid proof on my XXXX previous valid addresses. How did the other false addresses get onto my report and why have not they been removed? The last previous address that is correct and accurate to my information, is not there. Equifax is ignoring me on this also. 
There are XXXX XXXX credit transactions appearing in my history of which only XXXX accurately belongs to my credit history. Please block this information until the investigation is complete too being accurate and true. 
Equifax handling of an account caused a false creditor to contact me with a collection letter this week. In the form of an application requesting all of my personal private information? 
Lastly your representative ( on the last phone contact ) strongly suggested that I sign up and purchase Equifax service. At this time, your coopertion is a functional systematic failure. Equifax has all the information that it needs to correct these aspects of this situation. I have been very cooperative presenting the valid information. So that the report can be corrected to being true and accurate. And Equifax does not cooperate. Cryptic phone menus that do n't address the situation and hang up. Rude employees that refuse you service for not divulging your entire social security number over an unsecured line. And are dysfunctional with the information. Websites that do n't effectively cover the situation for which you are contacting them for and limit you so that you can not present the information. Please address these issues stated above in this letter and correct my information to be true and accurate with no false information that belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
In XXXX we purchased a home with XXXX XXXX XXXX in XXXX XXXX, Fl. We financed the home with XXXX and our loan was serviced via Dovenmuehle Mortgage. In XXXX I became unable to work and sought to have a modification done on the loan to make it more affordable. In XXXX of XXXX Dovenmuehle stated that we qualified for a modification and that one would be " no problem '', so we started the process with them. 
They told us not to pay while the modification was taking place and even told us that they would not accept payment. In XXXX of XXXX, their underwriter contacted us and told us that we did not qualify for a modification so it was denied. We asked for other options and were told that the only other option was a repayment plan - we suggested multiple payment plans to Dovenmuehle and each plan was denied - they stated that the behind balance had to be paid within XXXX months ( and we were behind more than XXXX months - meaning we would have had to make more than double payments ). They would not accept any payments other than the behind balance or what they said we had to pay to catch up. 
They refused to help us in any way and have now filed foreclosure on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I am trying to have a dispute I placed removed because I no longer dispute the debt after receiving information they provided. They refuse to do so and it is affecting my credit. The communication I have with the individual handling the case is is rude and she intentionally tries to provoke me and informs that I do n't have the right to have it removed and they will report it now as part of my permanent record. lI have set up a payment plan and still she will not remove the dispute comment on my credit report. I have called and sent written notice. I asked to speak with her supervisor and was told there is no one higher. when I explained I was trying to get a loan as well she said awww. She attempts to provoke me to anger and tells me that they have to report things as they occur. I said that it follows then that they have to report that I am no longer disputing it. She said no they do n't. I am fed up and frustrated. They are holding back my credit by doing this and from her comments they do it on purpose. And seem to enjoy it. The worst part is that it is a debt my son incurred but I signed as a guarentor of payment. He never moved into the apartment because he was pulled away by the XXXX XXXX XXXX for training. He paid some rent and could n't pay the rest so it has gone to these people for collection. He never lived in these apartments. I understand I still have to pay the debt and am attempting to do so but for this woman to be unwilling to remove the dispute comments from my credit and to antagonize me over the phone like this is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: DISCOVER BANK
State: CA

Complaint narrative:
They will not tell me what rate they will give me until after they do a " hard '' credit inquiry. They advertise rates between 3 % -7 %, but I have applied and get accepted for the loan but it is always at the high end ( 7 % ). I do n't want a high interest loan. I have a good credit score ( XXXX ). Why ca n't they tell me before they wo n't give me a low interest rate? Why do they have to do a " hard '' credit inquiry? It lowers my credit score. The system is not fair! Why ca n't they do a " soft '' inquiry to see if I have a chance of getting a low interest rate loan. Or I could fill out a form telling me if I have a good chance of getting it or not? The rates are misleading!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: UT

Complaint narrative:
I have never received a monthly mortgage statement from Dovenmuehle Mortgage. I have been with Dovenmuehle since 2012. I called them and demanded monthly statements and was told they do not send out monthly statements. This must be illegal. What can I do? Who can help me deal with this deceptive company? I need to report misconduct and poor business practise. I know this company has misused my money over the last four years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
Discover card was paid almost 2 years ago and they continue to update monthly and damage my credit. It is affecting my financing and they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I did a balance transfer on my Discover card. The interest is 0 % until a certain expiration date. The expiration date of the balance transfer is not on my statement. I called and was told Discover does not put the expiration date of balance transfers on the statements because they want you to call. 
This is vital information that is important to know. This information should be on statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: DISCOVER BANK
State: NY

Complaint narrative:
The statue of limitations has expired on the debt in question ( it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff ( Discover Card ) waited too long to bring this case ( laches ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
SHOWS LATE PAYMENT ON ACCOUNTS THAT ARE CLOESED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My address on file with Equifax has a typo in the street name and I have submitted the requested documents that Equifax requires to update personal information. Equifax is stating it can take 30 days to update personal information. Currently no creditors are able to access my credit file with Equifax due to the typo in my personal information. I am unable to resolve this issue with Equifax and I would like the CFPB to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I did dispute all of the inquiries by mail and I called each credit bureau, but no one was willing to help me. I received XXXX response by mail from Equifax ( attached bellow ) and they will not help. I have tried multiple times to talk to each credit bureau and I get the same rude response and know one will connect me to a supervisor or anyone in the United States offices. Some of the representatives I talked to were very belligerent and knew of the issue from looking at my account, but they would basically tell me too bad. I am really frustrated about these inquiries because almost all of them I did not authorize and I have no idea how they got authorization to look at my credit. I am very concerned about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
They have a previous address on my credit report that I never lived in or ever had is my address I 'd like to know all available prior addresses that are on file so I can verify which ones are correct and which ones are incorrect

Company response to consumer: Closed with explanation