vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
XX/XX/XXXX Dovenmuehle Mortgage Inc Issues. 
I was informed XX/XX/XXXX that my mortgage servicing has been moved to the above company and started making payments to them. 
On the statement I noted that county taxes were fully paid which put our escrow into negative. I made a phone call and spoke to someone and tried to explain that the previous company was paying the county tax in 2 installments, which made sure the escrow balance does not go into negative. This person made out that they have always done it that way. 
I received an escrow account projection which showed a shortage of {$1400.00} and change. 
Escrow shortage for the year has never gone above {$200.00} since XX/XX/XXXX. 
We also go through a review of escrow yearly XX/XX/XXXX ; the payment was raised from {$1400.00} to {$1400.00}, which is a reasonable increase. All of a sudden we get an increase of {$120.00} a month. This increase is too high and I am unable to afford it as I have other financial responsibilities and obligations. 
I made a phone call to the company on XX/XX/XXXX, I was on hold for 45 minutes, this is just unacceptable, and I spoke to XXXX with ID number XXXX and XXXX with ID number XXXX. 
I made XXXX aware I can not afford my increased payment ; she asked that I fax a request to the research department. 
I am writing to let you know I can only afford up to {$1500.00} and no more. 
Based on my calculation if the insurance were to increase to {$1000.00} next year and the county tax went up to {$3200.00}, I would not have to make a payment of {$120.00} a year on top of the escrow payment of {$320.00}. This will only be an additional {$43.00}, not {$120.00}. I also suggest the county taxes be paid on a semiannual basis since the county allows that, that way the balance will not go into the negative. 
Thanks for your consideration. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
A month ago my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. We withdrew our savings, used credit cards and borrowed from other people. It was a disaster. All of the money was sent via XXXX gift cards. We filed a police report at our local police station, but the police officer told us it will be really hard to recover anything of what we 've lost. 

One of the credit cards my husband was tricked by those criminals into using was his Discover credit card that literally had XXXX outstanding balance before that scam happened. And then in a single day it got maxed out, thanks to those crooks. We are both devastated. There is an official police report that proves that it got maxed out because of the scam. It was due to a CRIMINAL ACTION. We DID NOT spend that money on life 's pleasures. My husband talked to Discover customer service reps a couple times and they keep saying it is our responsibility now to pay out the card. Really??? Please help us resolve this. We feel hopeless and the whole situation is very depressing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: DISCOVER BANK
State: MD

Complaint narrative:
I am a parent co-signer on student loans for my son. The resolution I want is to be removed from this Discover loan as a co-signer. In XX/XX/XXXX, we borrowed {$26000.00} for my son 's tuition at the XXXX College. The balance now is higher than it was to begin with. The lender was XXXX. In XX/XX/XXXX or thereabouts Discover bought the loans. Having read about President Obama saying that parent co-signers can be removed from a loan, I contacted Discover and they told me that there had been delinquent payments so I could not be removed. I am not sure why I was underwritten for loans by ( formerly ) XXXX in the first place as I do n't make enough to even cover the payments on the XXXX student loans I cosigned. ( My family helped me pay XXXX off because I was so stressed. ) I can not afford these payments and still pay my mortgage, gas and food. Now I am getting collections letters from Discover. I had good credit before all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing in regards to a dispute that I had opened with Chase regarding my checking account. On XX/XX/XXXX, I had requested a stop payment of {$830.00} to my landlord for rent payment because I had set up recurring payments online and could not access their online system due to technical difficulties on their end. I called into the XXXX number for Chase and was granted the stopped payment. I asked and confirmed about twice that this would be a XXXX time stop payment and stop recurring payments. Months following this process, I would log into my Leasing office account to pay rent and manually pay from my credit card or bank account to which a day later would result in the payment being stopped. Due to this fact I have accrued {$310.00} in fees for late payment. This has caused immense financial strain and burden. Also, I would like to mention another incident where there was a an admitted point in human error by a banking associate at the XXXX, CT XXXX XXXX XX/XX/XXXX branch where I awaited a deposit in XX/XX/XXXX in my account from a payee who deposited it into the branch but it was put into another customer 's account, resulting in loss of funds to pay important bills that month. I was sent a letter apologizing on half of the error that also stated that my account number and info may had been available to another customer in the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Asset Recovery Inc
State: VA

Complaint narrative:
Several years ago while living in XXXX, Maine, I went to a local optometrist for an eye exam. While in the chair, the person performing the exam said they would like to do an exam to check for - whatever it was, I do n't remember. She simply asked if it was ok, to which I of course replied " yes '', When checking out, they informed me I owed +/- {$80.00} for the additional exam. I was not informed of the additional charge or the fact that it was not covered by insurance. I rejected their claim explaining why and was told - too bad, you owe us the money. They continued to bill me, I continued to refuse payment until they finally referred it to a debt collector who then harassed me threatening legal action and to ruin my good credit rating. I sought the advice of an attorney who convinced me the easiest and cheapest thing to do was just to pay the bill. Legal action could have otherwise been costly. 
So, despite their not deserving to be paid, I paid. But now I had to pay not only the optometrists bill, but also the debt collectors bill as well. Meanwhile, they went ahead and reported it to the credit agencies and to this day, that black mark is on my record. 
At the time, I reported their underhanded business practices to the State of Maine, the Maine Licensing Board and anyone else who would listen. All to no avail. 
Having just now listened to the XXXX XXXX show, I now know, although years later, that I should have perhaps contacted your office, which prior to the show, did not know existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AmeriCollect
State: TX

Complaint narrative:
I am showing XXXX collection accounts on my credit from Americollect. It states they are collecting for XXXX XXXX. I have a few issues with this collection agency. The first is I never received a notice from this collection agency to dispute or validate the debt. I had to call XXXX XXXX to find out what this was, who stated they sent a XXXX balance to Americollect. The last statement I received from them was XXXX 2015. Only recently I checked my credit to find Americredit reporting not XXXX account for XXXX but XXXX accounts for XXXX. It seems to have been opened with them around XX/XX/2015. Not only did I not receive written notice from this collector, they are not following guidelines of the FACT act. This debt collector continues to report this debt each month as if there has been activity on this account or payment is being made. My credit score recently dropped XXXX points because they are reporting this over a year old debt as a new debt. Overtime this account should have a less affect on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover bank offered a promotion of {$300.00} to ALL customers who set up a new discover checking account, if they had a previous relationship with Discover, and had XXXX direct deposits come in of at least {$250.00} within 60 days of opening up the account. ( they later changed the terms, however stated since I opened my account before the change, I was grandfathered into the promotion ) Their terms stated that the bonus would be " automatically '' applied 30 days after fulfilling their requirements. However, it has now been more than 30 days since I had the XXXX direct deposits go into the account, and no bonus has been applied to my account. Discover Bank has violated the terms of their agreement, and has not paid out the {$300.00} that was guaranteed by the bank. I would like my {$300.00} bonus to be paid out immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I recently applied for a Discover card. They advertised a 10.99-22.99 % APR. My credit rating is XXXX, I have never gone through a bankruptcy, I only own XXXX other cards, I 'm XXXX years old, own my own home and have paid my bills on time for the past 40 years. I have only {$6000.00} worth of debt ( half car loan and half credit card ), half of which I am transferring to the new card. I 've been employed with the same employer for five years, and if anyone expected to receive a favorable APR, it was me. So imagine my shock when I was approved for the card, which after six months at 0 % APR, shoots up to 20.99 %. I really think this is deceptive advertising. If I can not receive a better rate than XXXX, I ca n't imagine there is anyone getting close to a 10.99 % rate. When I complained to the customer service person, she said I should call back in 6 months to see what they could do. I 'm not holding my breath about that, I will probably never use the card unless I can pay the balance each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: SC

Complaint narrative:
I discovered a Discover credit card that was opened fraudulently in my name. I notified Discover immediately and they sent me an identity theft affidavit package. I filled out the necessary forms, went to my local police department to file a formal report, and submitted all documentation to Discover. They called back a couple of weeks later to let me know that I had an outstanding balance. I explained that I was a victim of identity theft and had previously been told the account would be removed from my credit report ( which it was ), and that I would not be held liable for any balance. The representative I spoke with ( XXXX ), advised he had no identity theft affidavit on file. I explained I had already sent it. He put me on hold and came back to let me know that he had found the file and apologized for any misunderstanding. As part of the police investigation, the investigator ( XXXX XXXX ) suggested I take a polygraph test as that usually helps with these types of cases. I took the test and passed - meaning I told the truth and did NOT open this card. A couple of months later, Discover called to let me know they had completed their investigation, found no trace of fraud, and had OPENED ANOTHER ACCOUNT IN MY NAME as they are holding me liable for the balance of {$1200.00} ( which has now increased to {$1500.00} ). I gave no authorization for Discover to open another account in my name! They advised it was a " recovery account '' because they had closed the initial fraudulent account. This is a direct violation of my rights and fraud! I advised XXXX, again the same representative who called me before, that I had already filled out all the documentation they needed and even subjected myself to a polygraph test. XXXX said they were still holding me liable and I advised him that Discover had already told me I would not be liable. 
I have told Discover not to contact me any more and that I am considering filing charges against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL

Complaint narrative:
On XXXX XXXX I contacted Moneygram to see if it was OK for me to send money again, as they had cancelled a trasfer a few months ago. I was told it was now OK. I sent {$1000.00} to the XXXX on XXXX XXXX. When she went to receive it, she was told I had to contact the company. I contacted Moneygram and they said they declined to send, and I should return to get a refund. 

On XXXX I went back to Walmart and was told it was over their limit and did n't know where I had to get the money. 
I called Moneygram and tkey told me I had to go to the XXXX Currency Exchange to get the money on the other side of town. 
On XXXX XXXX I went to Currency exchange and was told that the computer said that I had to go some place else to get a refund. 
On XXXX XXXX from the currency exchange I contacted moneygram and was told I need another reference number, which their agent XXXX provided, and told me to go back to walmart to get the monmey. 
On XXXX XXXX I returned to Walmart and gave them the new number. They said the computer would not allow them to refund my money. 
Walmart called moneygram with me present and I spoke to XXXX. He said that I had to go back to the XXXX Currency exchange to get the money with the new number. I asked if he knew XXXX who told me to go to Walmart, and he said No. 
I asked him how do I get reimbursed for my time and mileage. He is in XXXX or someplace and had no idea what I was talking about, and responded I needed to show my driver 's license. 
Finaally, I returned to the XXXX currency exchange on the other side of town and was refunded my money. This all took many hours and wear and gasoline and wear and tear on my car, all because they are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: AmeriCollect
State: WI

Complaint narrative:
This debt is owed by the other i payextra child support every month to not have XXXX XXXX XXXX on my health insurance and I am turned into collections regardless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover student loans services my private student loan from XXXX XXXX XXXX XXXX. I made a payment on XX/XX/XXXX and it cleared my bank on XX/XX/XXXX. But I continued to get late notices including XXXX phone calls and XXXX letters overall stating I could have the late notice reported to a credit history company. After a phone call and further e-mails the payment was finally applied on XX/XX/XXXX. To avoid further issues I applied over the phone for auto debit payments for this loan. I got a letter stating my auto debit application was being processed. XXXX weeks later I e-mailed Discover Student Loans to confirm the status of my auto debit payment but was told the did not have any of the information needed for the auto debit process ( banking account number ). This program offers a 0.25 % interest rate reduction which I will be missing out on for at least another XXXX months due to this delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
DISCOVER BANK IS UNFAIR! THEY PROMISED TO SEND ME FORMS TO DISPUTE A FRAUD THAT XXXX DID ON MY BANK ACCOUNT! I NEVER RECIEVED THE AFFIDAVIT AND DISCOVER IS CLAIMING THE CASE WILL BE CLOSED IN THE FAVOR OF THE MERCHANT BECAUSE I DID NOT SEND THE FORM! I NEVER RECIEVED THE FORM TO BEGIN WITH!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hello to whom this may concern, My name is XXXX XXXX and my husband XXXX XXXX XXXX passed away in 2012 leaving me with a Discover card debt. I recently started a refinance and found that I had a lien on my title from Discover. I contacted Discovered and settled for less than was owed and I paid off the account. They were supposed to issue a release for the lien on my title and they have not. They keep telling me that the attorney needs to sign off as well as Discover. I paid them 3 weeks ago and am still getting the run around. I need the lien to be released already because it is holding up my current transaction for re finance. Please Help, Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 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: TX

Complaint narrative:
I do n't consider the debit is mine. It was charged by apartment management company to replace carpets after leaving. Before leaving the entire apartment was professionally cleaned including the carpet. I requested a walk through with the management before leaving but they never showed up. It is obvious a scam that they do to get unjustified charges

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
The Discover credit card has been charging us cash advance APR of 24.24 % at a variable rate for years now and it is more than the minmum payment. We have not used the card for years and ca n't seem to pay it off because of this issue. I spoke to their management and was told if we pay more, than amount would go to minmum payment not the balance which would keep us in the vicious circle of the interest rate taking all of the payments. Can you help us ...? we are willing to pay more but want the balance to show signs of going down and the APR to go back to regular APR 13.49 %. Again we have not made any cash advances on this card for years. We have been with them since 1987.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XXXX, I signed up for a double cashback promotion that Discover had offered to its existing cardmembers as well as new cardmembers. Yesterday, I chatted in to make sure it was still on my account. To my disbelief, the chat representative told me they did n't see anything about it on my account and that I had never called in to add the promotion to my account, which is false. I know for a fact I called in, but they oddly have no records of it. I chatted in a month or two ago to confirm ( but chat was a separate issue ) and they confirmed I 'd receive double cashback XX/XX/XXXX. I called in today and was told the same as yesterday. All I want is the promotion I was promised months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am concerned about a Credit Card I currently have with my banking institution. I owe upwards of XXXX on this card, but am having difficulty understanding how the interest rate on the card is calculated or even what that actual rate currently is. I have reviewed my billing statements and the card 's website and am unable to definitively and clearly understand what the rate is or how it 's determined. I believe this is a deceptive business practice to prevent me from being able to clearly understand my interest rate. Also, it seems every time I make a payment, an exorbitant interest charge is placed on my account within the next few days, effectively keeping me in debt by continuously raising my balance.

Company response to consumer: Closed with explanation