vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I 've got several fraudulent charges on my Discover Card. Some of the charges I was able to dispute online and some I could not. So, I sent them several letters about my disputes. They claim they have not received the letters and I should call about the dispute. I ca n't call because I 'm XXXX. I ca n't use relay services and I do n't have any family/friends nearby. It 's absolutely ridiculous that they ca n't look into my disputes without a phone call. There are XXXX large fraudulent charges I was unable to dispute online and they 're giving me the runaround about them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I Was not living at that apartment in that year or month..The sdebit have been charge it was well over 10 years ... The Apartment management Understood I was released to my ex girlfriend due to domestic legal issues..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Financial Services ( Personal Loan ) ran XXXX inquiries on my credit report so far in 2015. On an account that has never been late and is in perfect standing. I believe this accounting practice is designed to stop me from securing any further credit so I can pay off there loan. The nefarious accounting practice must stop. I believe an audit of Discover Personal loans will show this is a wide spread accounting practice. Please Help

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

Complaint narrative:
When I voiced myself with the woman- please note- this time I did not catch the name, had it been 2 months prior- I would have, along with an employee ID number or something, because as mentioned before, I am just about done. The purposed of my call to XXXX had to do with me attempting to speak with XXXX XXXX because the CFPB notified me that DFS- XXXX XXXX ... requested for a 60 day extension. This information was given to me hours AFTER I had sent my 2nd follow up email to XXXX the first was more of a thank you but both emails did request for DFS to update me about any new information regarding my concerns- at their earliest convenience. Whoever I spoke with in lieu of XXXX though that she was doing the right thing by CALLING THE LOCAL POLICE TO HAVE THEM COME AND DO A WELLNESS CHECK ON ME- SO ONCE AGAIN, THANK YOU DFS- DISCOVER CC- DISCOVER BANK FOR MAKING ME FEEL AWFUL. XXXX, I just needed a break- and seeing that my issues started ( LIKE FULL MOMENTUM ) in XXXX I THINK THAT IT MIGHT BE OKAY TO FEEL A LITTLE DEFEATED. 
I would like to state that I DID SAY I NEEDED HELP- NOT THE POLICE 's TO COME AND MAKE SURE I DO N'T XXXX- I NEEDED DFS and the people who work there, SAY WHAT THEY MEAN, AND MEAN WHAT THEY SAY. IF I DO NOT KNOW WHAT I AM PAYING FOR- ACCORDING TO THE FTC- I DO NOT HAVE TO PAY. SOOOOOOOOO- XXXX XXXX is coming up soon- and my inquiries about my TRANSFER BALANCES- were initiated on XXXX XXXX with clear PROMISE that I would be provided an answer in 72 hours. IT HAS BEEN ALMOST A MONTH- and 6 billing reps later- THE SUPERVISOR- XXXX assured an answer by XXXX DO N'T TELL ME THESE THINGS WILL HAPPEN- and then DROP THE BALL, ESP BC IT WAS ALWAYS THE REP WHOM I SPOKE TO, that put themselves in that very situation. 


Regardless, I did need help- I NEEDED A BREAK, bc MICROMANAGING MY DFS ACCOUNT has been a NIGHTMARE. AND HONESTLY- WHOEVER CALLED THE POLICE TO COME CHECK UP ON ME, PROBABLY SHOULD HAVE UNDERSTOOD A LITTLE BIT MORE ABOUT WHY I WOULD CLAIM TO BE TIRED or state that I HAVE LOST SLEEP. BUT NO- did n't look up my info, just sent the police instead. SO THANKY YOU - FOR ONCE AGAIN, MAKING ME FEEL LIKE I AM XXXX, FOR THE MOST PART- I AM JUST ASKING FOR INFORMATION REPS HAVE PROMISED, BUT NEVER DELIVERED- of course there are other issues but ONCE AGAIN- I AM TIRED- DFS has WORN ME OUT- and I CAN NOT WRITE ABOUT THIS ANYMORE. I WOULD TO STATE- ON THE RECORD, NOOOO - ME WRITING THAT I CA N'T DO IT- as in I CA N'T CONTINUE WRITING ESP NOT ANOTHER REPORT- DOES NOT MEAN I WANT TO XXXX or ANYONE AROUND ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover closed my accounts only with a letter notice and no reason or further information. The account being closed was an activate account, with last transaction on XX/XX/2016, but receiving the closed notice on XX/XX/2016. Year-to-date spending is {$1600.00}. 100 % on-time payment and no fraud or any other risky activities. Contact Discover and being transferred to different departments and yet no further information but only been asked to write letter to a XXXX to request a reason. Meanwhile, Conflict information received from Discover online system sending email encouraging to join rewards program and also normal status in online profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc.
State: ID

Complaint narrative:
I am disputing this debt because it is not mine, I did not receive any services from XXXX. I signed a prescription purchase agreement for and in behalf of my mother XXXX, on XXXX/XXXX/14, having her Power of Attorney, for her healthcare. XXXX turned me personally over to N.A.R. collections for this bill. These prescriptions were for my mother, she being the patient at the XXXX Idaho, the pharmacy would not provide services unless the agreement was signed. XXXX had XXXX XXXX number and was instructed to turn the bill in to them at the time of service. XXXX was completely covered by XXXX at that time. XXXX has been deceased since 2014. I want this collections charge reversed as it is not my responsibility and is affecting my credit rating. N.A.R. has contacted me demanding I personally pay for these charges because I signed the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Hello, I opened an account with Discover Bank and a bonus offer code of XXXX. Through this bonus if Discover Bank received an ACH deposit to my account for over XXXX dollars per month I would be eligible for a XXXX dollar bonus. I met these requirements as of XXXX 2015. Their fine print states that the bonus will be deposited within 30 days of fulfilling the deposit requirement. I opened my account XXXX XXXX 2015. 

I have spoken to Discover Bank on two different occasions now and they have not been clear about depositing the bonus owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: OK

Complaint narrative:
Discover Card Services failed for 3 months in a row to send me a billing statement or notification for {$14.00} and {$16.00} charges to my physical address or email, -- which I did not authorize on this card. ( Formerly carrying a {$0.00} balance for years! ). When I called their Representative about them not sending me any kind of statement of account, I was told that " Sorry, but there 's nothing we can do about it, you were late paying ''. I 've been a Discover cardholder since XXXX with no late payments. I would not risk ruining my good credit by not paying {$14.00} and {$16.00} statements. Very poor business etiquette by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Was unsatisfied with the way Discover was handling my account, so I closed it. They are now charging me 30 % interest, even though I 've never been late and I have very good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Bank has failed to honor their promotion to credit my account with {$100.00} after I opened and deposited {$1000.00} into a checking account. Please read the attached Discover Bank messages. In the XXXX/XXXX/15 message Discover Bank clearly states that I met the requirements for the {$100.00} and it would be deposited to my account on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Dear Sir/Madam I purchased lot of item through Discover Deals cash back promotion.Below are the items. I called them multiple items. Every time I call them they promised me that i will get cash back on next statement. I wasted lot of time ( lot of hours ) talking to them. They should have automatically tracked but they deliberately not giving cash back thinking that most people does n't bother to call and get the cash back. I believe there is a systematic fraud happening here. 
XXXX XXXX XXXX Order # XXXX - {$250.00} XXXX XXXX XXXX Order # XXXX - {$170.00} XXXX XXXX XXXX Order # XXXX - {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA - Order # XXXX - {$100.00} XXXX XXXX XXXX Order # XXXX {$32.00} XXXX XXXX XXXX order # XXXX - {$24.00} XXXX XXXX XXXX XXXX # XXXX - {$81.00} XXXX XXXX XXXX XXXX # XXXX - {$15.00} XXXX XXXX Order # XXXX - $ {$10.00} XXXX XXXX Order # XXXX - {$39.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
We have a mortgage with Dovenmuehle Mortgage Inc. We had a escrow/impound account set up which taxes and insurance were to be paid out of. 
On both issues they dropped the ball never did they pay both taxes andinsurance on time. We became delinquent and had to pay for these out of pocketand now wait to be reimbursed. They sat on our $ and drew interest. Wrong! 
Whats the point of setting up a impound account?? This firm is shady andnever does what they tell you via email or phone that they will do. I incurredlate fees and spent countless hours on the phone to try and remedy everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Brief summary : I hired XXXX on XXXX/XXXX/15 for technical assistance and was charged {$140.00}. The service person failed to provide the solution and I spent the entire next day trying to contact her. I never could contact her and she never called back. I hired XXXX to resolve my technical issue which they determined was caused by a XXXX programming change. They resolved the issue. 
I sent email to XXXX on XXXX/XXXX/15 with my complaint and asked them to cancel my " subscription '' and refund the amount paid. My Discover Card ( Discover Financial Services or DFS ) bill dated XXXX/XXXX/15 billed me {$140.00} for XXXX. I promptly called to dispute the bill. 
On XXXX/XXXX/15 XXXX sent email to confirm that my subscription was canceled as of XXXX/XXXX/15. On XXXX/XXXX/15 DFS sent me a notice that the dispute was resolved in my favor. 
My DFS bill dated XXXX/XXXX/15 reinstated the {$140.00} XXXX charge. I called DFS to explain and complain ; on XXXX/XXXX/15 I sent requested supporting documents to DFS which they confirm having received. 
My DFS bill dated XXXX/XXXX/15 still showed the XXXX charge plus interest. I promptly called DFS to explain again. When told that they would not remove the charge, I asked them to cancel my account, which led to a transfer to a supervisor who promptly hung up on me. 
I called DFS again on XXXX/XXXX/15, explained again and was told that I had to pay. I told them I refused to pay and asked again to cancel my account, which they agreed to do. 
On XXXX/XXXX/15 XXXX sent a notice that they consider the transaction valid and would notify the credit reporting agencies of my refusal to pay the disputed charge. 

My dispute is with DFS : How can they expect me to pay a charge from XXXX that XXXX had already canceled? This is after DFS resolved the dispute in my favor and closed the investigation. This is DFS case number XXXX. I have copies of all statements and relevant documents. I will contact the credit reporting agencies to notify them that I refuse to pay XXXX for a service they did not provide and I refuse to pay DFS for failure to recognize an improper charge. I feel that DFS has abused the credit card relationship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
I opened a Discover Online Savings account which was offering a Promotional Bonus reward of {$100.00} for depositing {$15000.00}. I fulfilled the requirements, and when I did not receive my bonus, I tried contacting the Discover Bank via secure message and received quite a number of back and forth messages without any resolution to my problem. I noticed that others have also experienced similar distress as shown on the comments section of the link below : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
I. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX sent me a letter stating they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 
II. I responded. In that letter, I asked, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received. 
III. I also pulled down my credit report and saw that this debt had been charged off. 
IV. I was served with a lawsuit on XXXX/XXXX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX regarding this matter. 
ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 
The statements made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
My husband and I applied jointly for a Discover card. When the card came it was only a card for him when I called discover to see where my card was they said that I was n't on the account. The same week my unwed daughter applied for one an was denied, they wanted her to apply jointly with someone. My son also applied, he is in debt up to his eyeballs with school loans, was approved an sent a card. I feel that my daughter and I was discriminated against because we are female. Since the XXXX males in the house received credit cards. My daughter an I both have good credit ; mine is actually better than my husband 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
TO WHOM IT MAY CONCERN : EQUIFAX continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they STILL continuously fail to address the situation. I called them and their call center has no receipt of the letter. I also sent the same letter several times by fax with all my information on it and have given them over 30 days to " receive '' the fax. I have contacted the IRS for their advice and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. As the IRS stated, it is now up to Equifax to remove and they further stated that Equifax does have this ongoing problem. 
This is causing substantial harm to my credit report and yet EQUIFAX continues to violate the Fair Credit Reporting Act and will be held liable if this does n't get removed immediately. 

I have also contacted and filed a complaint with the FTC on XXXX/XXXX/2016 and also the ATTY General both here in GEORGIA where Equifax maintains their main corporate offices in the United States. 

They have caused me deliberate financial harm by continuously and willfully not adhering to the Fair Credit Reporting Act. 

Violation 1 : It 's documented over 30 days additional written and faxed in disputes have been ignored and thus should be removed. 

Violation 2 : Willfully and deliberate continuing to cause financial harm. 

I NEED THIS DELETED IMMEDIATELY. EQUIFAX IS NOTORIOUS FOR RESPONDING BY RE-INVESTIGATING AN ITEM WHICH IS UNACCEPTABLE. THEY HAD THEIR TIME TO INVESTIGATE AND IF THEY REPLY BY JUST " REINVESTIGATING THE ITEM BY ELECTRONICALLY DOING AN XXXX ELECTRONIC INVESTIGATION '', AN IMMEDIATE STATE AND FEDERAL LAWSUIT WILL BE FILED. 

Please let this letter serve as final written warning to EQUIFAX if this does not get immediately deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent the form to request my free annual credit report from each of the XXXX bureaus. I used my XXXX number in the place of a social security number. I received a letter from Equifax stating that they needed me to send in an identification form with a Social Security number. I called Equifax and spoke to an agent named XXXX, who told me that I could n't submit a request using my XXXX number. I asked to speak to her supervisor. Her supervisor did not know how to handle the request. They gave me a fax number to send in documents to prove my identity. It is important that I access my credit report because for the past couple years, I have been receiving debt collection letters to my address that are not mine. I believe that I may be the victim of identity theft, which is causing me a lot of stress. I would like to resolve this issue as soon as possible. It should not be so difficult to access my credit report using my XXXX number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Information is incorrect and these inquiries are unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Below is the letter that was sent to Equifax today along with a copy of the CFBP dispute case this is in reference to : " Equifax : I ordered my credit report from your bureau and found an inaccuracy I wish to bring to your attention. I previously disputed this directly through Equifax and did not get the result I was hoping for. I had to involve the Consumer Financial Protection Bureau to resolve this issue. The CFPB intervened on my behalf and the company that reported incorrect information gave me the attached response through the CFPB website. I opened another official complaint on the CFBP website to address this but am also sending this letter with tracking information to ensure delivery date and time. 
XXXX which is on my credit report as " XXXX XXXX XXXX '' incorrectly reported an account as charged off and late. After getting the CFPB involved XXXX agreed in XXXX to " reverse the charge off status of the account, and reverse any negative credit marks assessed after XXXX 2013. '' It is now XXXX XXXX and the negative remarks remain and the charge off status remains. 
I request that you honor this company 's request to reverse the charge off status and remove the negative marks as they are incorrect. I have this in writing from XXXX which was provided to me through the CFPB website. '' The CFPB case number in which XXXX agreed to reverse the negative remarks and correct their mistake is : XXXX The CFPB has my authorization to share all the details of this case with Equifax to expedite fixing this error. I am also attaching the printed off response from XXXX that was given through the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I do n't know why its taking Equifax so long to send me a copy of my new credit report. I requested an investigation on XX/XX/XXXX, and they never responded to me.

Company response to consumer: Closed with non-monetary relief