vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a modification over 2 years ago. It was plagued with misapplied funds, inconsistent record keeping, and a price increase in violation of our signed modification agreement. After falling into a difficult financial period, Wells Fargo offered me the opportunity to submit another modification request, full well knowing I had a prior modification. After 2 months of gathering & submitting all documents to their satisfaction, I was told by preservation specialist XXXX XXXX that they can not even consider looking at my documents because my prior modification appears to have been less than 2 years ago. She would not provide actual dates, explanation as to why Wells Fargo went though the extensive document gathering process, or what the guideline is that I do not meet the qualification for. I was initially told there were various options, including allocating past-due payments to the back of the loan. My payment increased {$150.00}. per month above the agreed upon modification schedule after only 1 year, greater than the rate reduction I received per month. My interest rate went up, not down, during the initial modification process. I do not believe any of these manipulative tactics are legal according to XXXX guidelines. Please assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK
State: AZ

Complaint narrative:
discoverstudentloans.com alleged that I had a sixty day late on a loan on which I am a co-signer. Unfortunately, I was probably that late but not due to any delinquency on my part but due to their not contacting me to let me know I was late. I am trying to have this blemish expunged because it was their fault. They have been unresponsive and have failed to provide documentation about this matter. 
When they got a hold of me I paid and was current with the loan until my son went back to school. 
My contact with them to resolve this was riddled with misinformation, wrong addresses, wrong social security numbers, and the list goes on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I used my TD Bank credit card to purchase XXXX baseball jerseys. After receiving the first one, I realize that the website was a scam and they were not authentic as the website indicated. Additionally, the website would n't give me an address to return the item. I spent several hours arguing the issue with TD Bank and requested a refund through the dispute office. They claimed that I did not submit enough information even though I feel like I did. Also, TD Bank is now saying that they ca n't refund me because it has been too long since the purchase even though I notified them of the issue the day that I received the jerseys. The website that I made the purchase from has since been identified as one selling counterfeit items : XXXX I believe that TD Bank did a very poor job in representing me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: AL

Complaint narrative:
I can not pay my mortgage loan online if it 's a weekend day. This was n't always the case. I 'm sure many people can relate to having to wait up to the last day a payment can be made to pay if without getting a late on their credit report. I have had issues with only having access to making payments via the Internet due to a phone not being available. I have made payments online on weekends before and they post that Saturday or Sunday no problem. In the past year apparently they changed their policy ( never received any policy changes updates ), and these payments I made were not credited until the Monday after causing late quotes on my credit. There are times I do n't get paid until Saturday or Sunday and I should n't be penalized for that. Apparently even if I could have called and made a phone payment they add a XXXX $ fee which I ca n't afford. This is not fair in my eyes. I ca n't get in a better situation if I am blocked in all these ways

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX, I received a statement from Discover Card stating my charges for the prior month. Included on that statement was an erroneous charge. I reported this to Discover and was told that they would remove the charge but also had to cancel my card so the number could no longer be used. They also said they would issue me a new card. They removed the erroneous charge and canceled my old credit card number and I sent them my credit card, cut in two. but they never issued me a new card. Later when I told them I 'd never received the new card, they said I 'd have to re-apply for a new card. After much haggling, I finally tried to apply for a new card. But they rejected my application saying they could n't verify my credit. I found that that was because when they canceled my credit card, I no longer had any credit. my credit history consists of only several closed accounts so my credit score dropped from XXXX to XXXX. So Discover wo n't issue me a card because " they '' canceled my prior card. Now I have no way of obtaining credit even though I 've have perfect credit for the entire time I 've had a credit card beginning in XX/XX/XXXX, 29 years. I do have a Debit/Credit card from my bank the XXXX XXXX, but I 'm led to believe that that credit is only valid through that bank and is not reported to the national credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was mailed an offer from Discover for a rate of 15.24 %. I called to verify the offer before I applied for it online and was told it was correct. When I applied with them my credit score was a XXXX. My promotion ended with them and now they have charged me a rate of 23 %. That 's insane. When I spoke with a manager they said they would lower new purchases to 18 %. They said when I opened the account it was 22 %. Why was I offered a lower rate today when my score was higher at time of opening? I want what I was told. I feel like they are trying to rob me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I disputed a debt for an apartment rental where the lease was terminated prematurely by the co-occupant, 1 month prior to the expiration of the lease. I never actually lived in the apartment. I was simply the guaranteer, but was required to sign a lease as well. It was sent to a Rental Recovery Solutions, XXXX. I asked that, in addition to a copy of my lease, and an itemized list of alleged debt, I ask that they provide a copy of the co-occupant lease signed by the co-occupant, as well as a copy of the 60-day notice to vacate that I provided. The Recovery company did provide an itemized list, the last page of the lease with my signature, but no other part of the lease. Nor did the company provide me with a copy of the 60-day that I signed, or a copy of the co-occupant lease. They are also charging me a fee of XXXX for rental insurance. I received XXXX phone calls from this company, and each time, I have informed the company that I was recording the converstion. Each time, I was told that I either had to agree to not record the call, or they would no longer speak to me. I refused to agree to such request, so they then hung up each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DRS Financial LLC
State: AL

Complaint narrative:
Capital Collection Service, ( XXXX ) XXXX, continues to call us about a debt owed by someone we do not know. When we complain to the caller that we are not the party they 're looking for, the caller always very politely apologizes and says they 'll remove our number from their calling list. They do n't, we keep getting calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I received XXXX calls in a 4 hour period on XXXX/XXXX/15 from Discover Card. I am ill and was sleeping. The fact that this averages a call an hour makes this harassment. Especially considering I have told them in the past of my intent to declare bankruptcy. The calls came in at the following times:XXXX XXXX XXXX CST12XXXX CSTI was left XXXX voicemails ; this includes a full voicemail of someone typing which I believe was left just to harass, and the second the person just states her name and then pauses for a good amount of time before hanging up. 

They know what they are doing is wrong and they still continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: AR

Complaint narrative:
A summons with someone of a similar name as mine is being reported on credit report from 2010 when I was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
I paid off all my balance and closed my Discover card sometime last year. After a couple of months I received a statement for a membership fee plus a late fee. In XXXX last year I called the Card Company and told them that I had already closed the card and protested to them about the charges. They agreed to remove all charges and told me that now the card had been closed. For a number of months I received no statement from the card company. Sometime in XXXX I received another statement from the card company now with a much larger late fee. I again called the card company and told them that I had closed this card twice and have made no transactions on the card. The first agent told me that she saw the noting about the XXXX discussion, however she did not have the ability to take any action. She forwarded me to another agent. In this way I was forwarded XXXX times. I got frustrated in the process and told the last agent to do whatever he could. He asked me if I wanted to dispute member ship charges. I told him that the charges had been already taken off by them. Therefore I should not have to dispute them again. I also protested about the number of times I was transferred without any resolution to my problem. He said he could not take any action. He asked me if I had any proof that I closed my account. I told him that I had closed the account by phone. 
I keep receiving monthly statements with additional late fee. Now for a charge of {$10.00}, XXXX which had been earlier cancelled XXXX the balance stands at {$270.00} XXXX almost all late fee ). I feel that I am being harassed by the card company and request your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX ; I contacted Discover card to inquire as to my balance due. I was informed that the balance due was well over {$2400.00}. I immediately checked my account activity and learned that there were multiple cash advances, {$500.00} each plus service charges. I contacted Discover, I informed them that I had not received any alerts regarding this activity, ( my alert was set at {$100.00} ). I closed the account and spoke with a representative who assured me that Discover Card 's Fraud policy was in full effect and I was not responsible for the charges. I had also paid an extra monthly fee, for the Wallet protection plan through Discover. The following day I received a call from XXXX, Fraud Protection, Discover. He said the I was responsible for the charges, he questioned me about my living situation, insinuating that another person had taken the card & etc. XXXX even wanted to know what I had purchased at XXXX! He then advised me to go to my local police department to report the fraud incident. Even though the cash advance transactions took place in California, XXXX said that my local police had to do the investigating, not Discover. The following week I was informed that my Discover email had been changed from XXXX to XXXX. This occurred after the first cash advance, yet no alert was triggered for my account. I also received affidavit/documents from Discover, which I promptly completed and returned. XXXX was confused as to why my completed forms were mailed to XXXX, not XXXX? I then received a duplicate set of documents which included a cover sheet asking for highly personal information, which Discover already has in their possession. I refused to complete this form and return it in the mail based on what had occurred. 

I do not understand why XXXX told me not to pay the charges I actually do owe. He said to only pay a fraction of the amount due. XXXX informed me that the balance should be paid later? 

Discover has failed me in every way possible. I have been a loyal customer since XXXX. I feel betrayed on so many levels. I am seriously considering contacting my friend at XXXX, to tell them how well Discover takes care of their customers. 
Below is your advertisement, what a joke! 
Your Security Is Our Top Priority 24/7 monitoring of every Discover card purchase for every customer {$0.00} Fraud Liability Guarantee, so you 're never responsible for unauthorized purchases on your Discover card Account alerts via email, phone or text if something looks unusual

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
My Discover credit card account was charged {$1.00} for XXXX XXXX insurance that I did not ask for. I called Discover to have them remove the charge but they said they could n't since it was a third party vendor. The vendor would have to remove the charge. I then just told them I wanted to dispute the charge and again they said they could n't do that. They said I would have to contact the company during their business hours to take care of it. I did n't ask for it to start with. Why am I having to spend time I will never get back trying to deal with this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06 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: N.A.R., Inc.
State: CA

Complaint narrative:
XXXX Called N.A.R. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX asking them to validate the ( 2 ) collections they have added to my credit report. Instead of validating the debt, on XXXX, they sent me a NEW collection letter to the updated address that I provided to them. 
XXXX Called again asking for the validation ( signed contract ) showing my signature. Spoke with a Supervisor named XXXX and she indicated that she was still waiting for the documents from XXXX 
XXXX Called again and spoke with the Supervisor XXXX asking for the paperwork again. She indicated that they received it but because they were closing in 5 minutes that she would email it to me first thing the following morning. 
XXXX Called again asking to speak to the Supervisor XXXX but was told this time that she was not available. 

I have disputed this two charges thru the Credit Bureaus, ( XXXX ; XXXX ; XXXX XXXX but they just sent the information to the collection agency and the collection agency will not provide the proof nor will they take these off of my Credit report Idaho XXXX Date opened : XXXX Amount : {$2400.00} XXXX Date opened : XXXX Amount : {$4200.00} I have never lived in XXXX. My wallet had been stolen with my drivers license ; social etc inside. I have filed a police report already but they too need to see the signed contract against my drivers license / passport showing that it was not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I had applied for a refinance with Discover Home Loans on XXXX XXXX, 2015. After 6 weeks and many hours on my part gathering the information that Discover needed, I was told that they could not go ahead with a mortgage because the Condo Complex that I live in was in the process of reparing some construction defects on the balconies and had a lawsuit in process with the developer over the defects. Discover told me that it was XXXX regulations that neccessitated the no mortgage discision. This did not make sense to me for XXXX reasons. XXXX if it is a black and white issue - lawsuit means no mortgage - this should have been discovered during the application process XX/XX/XXXX. Second the repairs cost around {$600000.00} which represents less that 1 % of the insured value of the property. In addition the HOA is doing the repairs regardless of the outcome of the lawsuit. I tried to escalate this issue with Discover but have been stonewalled. I also want to know exactly what XXXX says regarding their restrictions on lawsuits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover Student loans purchased loans I had originally taken out with XXXX. I have not missed a payment since I 've started paying on them. They have published list of criteria to qualify for cosigner release. First that you loan is a prior XXXX loan, next that you are XXXX, that you are a US Citizen, that you 've made the requisite amount of consecutive monthly payments on time ( which I did ), that you make more than {$1500.00} in gross monthly income ( I make {$10000.00} ), and that you have satisfactory credit ( they said the score they pulled for me was XXXX ). I applied for cosigner release and was denied a couple days later. I was told my income was too low. I followed up with Discover and they said the reason for the denial was that I did not provide proof of income. I followed up and provided the requisite information even though they do not specify on their release application that that information was necessary. I was denied again XXXX day later, again because they said my income was too low. I contacted them but was not able to get a clear answer on why I was having the same issue. I thought having a cosigner released would be easier than consolidating. I was able to get a consolidation loan within a half hour, with better rates. I will never use Discover again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have a discovery card account that was fraud. I have filled out a FTC form to dispute this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: DISCOVER BANK
State: GA

Complaint narrative:
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Bank mailed flyers to Discover Credit Card holders advertising a {$300.00} checking bonus upon opening a new account and meeting direct deposit requirements. 
I complied with all the requirements, sent an online message to which a representative responded that I met the requirements and would receive the bonus offer by XXXX/XXXX/16. 

Upon following up, I was told that I was not 'targeted '. Even though I received the mailer and opened the account ; which the confirmation page shows the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: AR

Complaint narrative:
I opened a Discover credit card. Note that Discover has been running NUMEROUS adds touting that it has a XXXX time late payment forgiveness feature. My credit limit with Discover was {$1900.00}, I had used approximately {$1000.00} of my available credit. I was 5 days late with my payment in XXXX 2015, and although Discover waived a late fee ... .they then lowered my credit limit from {$1900.00} to the outstanding balance at that time which was approximately {$1000.00}. 
As a result, due to the actions of Discover card, worse than merely charging me a {$30.00} late fee, they cut my spending power in half, thereby knowingly and intentionally reducing my credit score by falsely and fraudulently manipulating my available credit to balance ratio as well as violating their advertised late payment forgiveness. 
The multiple advertisements on national television stated that there was NO PENALTY, not that Discover would, without any recourse, knowingly and intentionally manipulate your credit score was never revealed. I believe it is a false and deceptive practice, not only to penalize someone for making a late payment when you are specifically touting your no penalty policy, but to nefariously manipulate credit scores and penalize me nearly {$900.00} is malicious and intolerable.

Company response to consumer: Closed with explanation