vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
discover card refuse a payment agreement violated my privacy and did not close the account i did n't own discover card when i told them to close my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
Earlier this month, I received the Annual Privacy Notice Statement from Discover. On XX/XX/XXXX, I tried to check my privacy settings online at Discover.com. It was impossible to find my privacy settings. I called Discover to find out the information. The representative told me to check my user agreement. That was not helpful. 

Later that day, I sent a secure email to Discover requesting the information to check my privacy settings. The representative ignored my request. I want to be sure the privacy settings are correct, but the Discover representatives are not providing the information so that I can check to be sure the information I want restricted is restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK
State: CA

Complaint narrative:
I asked Discover to validate the dept. they claim I own with proof baring my signature 'from a transaction or application '' they failed as well did n't follow rules and place a note the account was in dispute with credit agency 's even unto the court date, they still have n't verified or placed the notes in dispute as by law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: DISCOVER BANK
State: GA

Complaint narrative:
I had a discover card with payment protection which showed a charge for on all statements. they refused to use this insurance and sued me in court which I was unable to attend due to a death. My mother. They got the judgement and attached my wages as well as a lein on my home. this debt has been paid in full per my payroll dept and they have yet to remove the lein on my home thus preventing my refinance in order to save my home. I have communicated with there attorney by fax and requested this be removed and copy the release to the VA to show the lein has been removed. As of this date XXXX/XXXX/2015 there has been no response to remove this lein. I would like the justice department to look into this practice of denial with records of this insurance on the statements from discover bank as well as securing this relieve of lein at once.If there is no response I would like the justice department to support this senior citizen as well as all who have been doused by this charge that is denied when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
My discover credit card (account number ****************) was closed by Discover XXXX. But they never warmed me before nor explained to me that how I violated their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
I had an ongoing issue with a travel group called XXXX which is now in mediation with the State XXXX. The policy of XXXX is that the complainant must go through the credit card company first which I did. In this instance that company is Discover Card XXXX. Discover Card XXXX had initially credited my account for half of what I paid XXXX and then took it back the day before XXXX stating the charge was valid, even though I did not enjoy the full value of the purchase. This prompted another complaint against Discover Card XXXX through the CFPB. The first being that they failed to issue any refund at all ... Now. Discover Card XXXX has reduced my credit line from {$9000.00} to {$1400.00} without cause. They cite : Payment relative to balance on your account ( s ) No usable real estate accounts Average time since revolving accounts opened is too recent. But it is important to note that I have several credit cards because I like having cards at a XXXX balance and I just paid off debt significantly as of XXXX 2016 -- so I do n't know what they are talking about when it comes to my balances. I also paid Discover Card XXXX at least twice to the tune of about {$6000.00} or {$7000.00} so I am a very good debtor. I think Discover Card XXXX maliciously lowered my credit rating as a result of my complaints to the State XXXX and the CFPB. How did I go from having a {$9000.00} credit line when my balance was {$7000.00} or {$8000.00} dollars to having a {$1400.00} credit line when my balance is less than {$1000.00} and I am paying down the debt monthly???? The card has literally sat in my desk drawer. This kind of malice is really indicative of what we as consumers saw XXXX 10 years ago with credit card companies intentionally putting debtors into harm 's way through no fault of their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: TX

Complaint narrative:
I was responding to UAC regarding an email that I received in XX/XX/XXXX regarding a consent order sent to me by email from the CFPB about this company reporting incorrectly to the credit bureaus. I had a lot of problems with them when I was a customer so naturally I wanted to check to make sure my credit reflected correct information. I was advised if already pulled credit report from annual credit report.com and still wanted a copy that we were entitled to one from XXXX and could request it by calling UAC. I did that in on XXXX/XXXX/XXXX and spoke with a woman who had no idea what was going on but took my request to the credit department and was told would mail it and they took my new address. That was two months ago and I have yet to receive any credit report from them. I then called UAC today XXXX/XXXX/XXXX and spoke to a XXXX XXXX who was incredibly rude he must have interrupted me 5 times during the conversation and was very argumentative. He had the nerve to tell me that it did n't really apply to me because I have n't done business with them in two years when the email I got about it in XX/XX/XXXX which provided additional information specifically said that it involved accounts that were before XX/XX/XXXX so it definatly concerned me. Then when I basically told him to stop arguing with me and put in my request he took down my new address and married name and said would request my credit report. Then a little while later he called me back to tell me that I was wrong and that they are not sending customer 's credit reports but that is what it says in both emails that I received I was treated with incredible rudeness by this customer service representative ony to have him back off multiple times and say he 's just trying to help me I want to know that my information is correct and I want it taken care of as stated by UAC I have not been a customer of theirs for awhile and I would never be again. Every conversation I ever had with those people the whole time I had a loan was disgusting rudeness I was given a loan modification once to help me out and they failed to let me know at the modifcatin that they were raising my interest rate I think they raised it to like a disgusting 24 or 29 % I had a terrible experience with this company and to call back later with a fully paid off account only to be treated like XXXX again is truly annoying.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
discover bank credit card was declared in bankruptcy on XXXXXXXXand discharged on XXXXXXXXand was reporting correctly to XXXX as 0f XXXX but effective XXXX started reporting to XXXX as an open account with outstanding debts. 
account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover is running a promotion where they are giving 10 % cashback for all purchases made via Apple Pay in store until XXXX/XXXX/15. I have made numerous purchases using Apple Pay but discover has not honored many of the purchases because they added a clause several days into the promotion that says " gift cards are excluded. " To enforce this clause, they are now blanket rejecting many purchases above a certain amount and requiring customers to provide receipts to show whether the purchase is or is not a gift card purchase. No where in their terms of service does it state that customers need to retain receipts and then send them to Discover. 

This is a blatant attack on consumer privacy and has shifted the burden of proof to the consumer when it is the credit card company that should be the one verifying purchases. 

If Discover wants to exclude gift cards, they need to do it accurately and without requiring customer receipts to be sent to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: DISCOVER BANK
State: AL

Complaint narrative:
I received a notice this year from the IRS stating that Discover sent them a XXXX for an old collection where pmts had not been made since XX/XX/XXXX. I did not settle this debt nor did I receive a XXXX from the to file on my XX/XX/XXXX taxes. Also, Discover still shows that I owe the full amount of this debt as a collection on my credit report and is still updating with no mention of settlement for less than balance. The IRS says I owe them {$1000.00} and wants me to consent to changing my return. This debt has exceeded the Statute of Limitations and is set to be removed from my credit report XX/XX/XXXX. I have disputed this with the IRS and sent them a copy of my credit report showing this but they just keep sending me the same letter. I think it is wrong for them to side with Discover. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
Dear Sir/Madam, I have used Discover credit card for more than 10 years. About 1 year ago ( XXXX XXXX XXXX I figured out after calling customer service ), I called their customer service to apply for Discover IT card to take the advantage of better cash back terms as it offers 1 % and double-cash back for first year. I was told that they could convert the one I had with them to IT card and get the same benefit and I did so. My card thus became Discover IT from XXXX XXXX, XXXX. 

I was told I will get 1 % first for every month and double cashback bonus will be applied to my account after 1 year. XXXX XXXX, XXXX I use their online chat to check my double cashback status. I was told this time it was not applied to my account. The notes do n't include the full phone discussion and no such terms documented thus there 's no way for them to provide me double cashback. They said I could apply another IT card now to get the double cashback. Of course that 's not my expectation as I supposed to get it already. 

Obviously it is a situation the customer service person made some mistake 1 year ago. I asked them to review the full phone-conversation. The online chat supervisor said they could n't do it and asked me to call the service phone number. I made the call that another supervisor told me they could only review phone conversation within 60 days, and only way to review earlier date is through subpoena. He could n't do anything. 

Discover card is a big company, I felt I was ripped of as their customer service is not considering their customer 's benefit even at the minimum level. 

Below is some related facts, 1. Called the customer service on XXXX XXXX, XXXX and was told I could get the double cashback benefit with the new IT card. 

2. Double cashback would be applied at end of first year, XXXX XXXX, XXXX. 

3. Discover mentioned even it was told me 1 year ago, they could n't confirm it as 60 days are the limitation for the phone conversation they can review. 

4. No way I could know if I would have double cashback in 60 days. 

5. Only subpoena could get the conversation. They might think nobody will do so as the cost associated with this. 

They are not willing to make any further actions to resolve or understand the issue. Such a bad experience with a renowned company and would like to warn any customer with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
discover is not honoring 10 % cash back on XXXX purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Bank closed my checking and savings ( account # XXXX ) accounts without asking me. I have a {$500.00} deposit in my checking, they refuse to give me my deposit back by check. and the only way is through an indemnity letter through my other bank, from with the {$500.00} was transferred in. My other bank, XXXX, does not do indemnity letters. 
Now am conned out of {$500.00} by the crooks at discover bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK

Complaint narrative:
I have repeatedly asked for an original contract ( front and back copies ) from DISCOVER BANK to which this day I have NOT received and this request was sent on XX/XX/2016. I directed my request to the Chief Financial Officer XXXX prior to a now existing lawsuit claim against me by XXXX. I asked for an original contract because I suspected fraud on the account in which DISCOVER BANK may have materially altered said contract for a profit but without my consent ( Securitization ). Instead of responding, I 'm thinking the alleged account was assigned to XXXX which would require another contract. I have a right through the privacy act to know how my information is being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
As part of an buildings insurance claim I received a check from my insurers made payable to myself and my mortgage servicer ( Dovenmuehle Mortgage of XXXX XXXX, XXXX XXXX, IL ) for {$25000.00}. I endorsed and forwarded this to my mortgage company as instructed by overnight fedex on XXXX/XXXX/15. I then had an inspection of my property completed which showed the work was XXXX % completed. I was then told I would receive my money, which did not ahppen.. Still no check was forthcoming so I called and was told I would now need another inspection which was completed and I was then told my contractor must sign a lein waver which he did. Then they sent me my {$25000.00} in form of a check made out to myself and my contractor. No bank would accept the check and I asked them to re issue the check in just my name as they had an inspection showing the work was completed and they had a lien waver from the contractor so they knew he would not place a lien impacting their colateral. I was then told I needed to provide a letter from the contractor saying the bill was paid in full and he was not owed any more money. I then provided this to the mortgage company who said I need to return the original check to them before they would reissue the check, I asked them to just stop the original check, they refused as it would cost them money. I sent the check overnight by fedex and they received it on XXXX/XXXX/15. Here we are on XXXX/XXXX/15 and still nothing has been received. My belief is that this is a delaying tactic to hold onto funds as long as possible to maintain liquidity and earn interest at the borrowers expense. Luckily this was not a claim at my principal residense, and that I had the funds to get the work done or I shuidder to think what would have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Being wrongly sued by Discover Bank and debt collecting attorneys XXXX XXXX for unsecured debt that does n't have any of the following, but not limited to, original contract, terms, incorrect balance, libor rates, lack of standing of plaintiff, etc Please look into this harassment and intimidation letter sent by XXXX XXXX XXXX on behalf of Discover Bank and request all civil action be dropped immediately. As well as report complaint against XXXX XXXX attorney at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover Card has a period between the due date on the XXXX of the month and the end of the billing cycle on the XXXX where they will charge a late fee on the card, but they do not credit the payment towards the next month. If your payment arrives on the XXXX of the month you are charged a {$35.00} late fee, but they do not credit you towards the next month 's billing cycle. If you pay the XXXX on the following month you get another late fee because the payment from the previous month is not on the new month and the payment is considered late again. This will continue to happen until you make a payment after the XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX and associates continues to get summary judgements on cases without getting hearings by judges even iif request hearing in writing to judges, wonder if judges are more in agreement with XXXX XXXX than the defendant in all cases?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
OUTRAGEOUS. ERRONEOUS BILLINGS CONTINUE TO HAPPEN, NO AUDIT RESULTS, BUT MISTAKES CONTINUE TO " SLIP '' THROUGH. I AM NOW BEING TRIPLE CHARGED FOR A TRANSACTION CLOSING IN MY FAVOR, AFTER DECIDING IT WAS " FINAL '' IN THE MERCHANTS FAVOR. DISCOVER IS NOW GOING TO REVERSE THE TEMPORARY CREDIT GIVEN, HOWEVER WITH THIS REVERSAL, I WOULD BE ENDING UP PAYING FOR XXXXUSD AS YOU WILL SEE IN ATTACHED. PAPER STATEMENTS, DO NOT MATCH UP WITH E STATEMENT " ACTIVITIES ''. SO I AM BEING TRIPLE CHARGED XXXXUSD AND REFUNDED TWICE XXXX USD WHICH EQUALS ME HAVING TO PAY XXXX. HOWEVER, ON THE PAPER STATEMENTS I RECEIVE IN THE MAIL AND AVAILABLE ONLINE, XXXX 'S STATEMENT I WAS CHARGED MISTAKENLY BY XXXX, AND DISCOVER ALREADY REVERSED THE TEMPORARY CREDIT OF XXXXUSD BECAUSE AT THAT TIME THEY CLOSED IN XXXX ( MERCHANT ) FAVOR, THOUGH I HAD ASSURANCE FROM XXXX, THIS WAS THEIR ERROR AND I WOULD BE RECEIVING IT MY REFUND. 
IN XXXX 'S STATEMENT DISCOVER AGAIN REPOSTED THE REVERSAL TEMPORARY CREDIT OF XXXXUSD WHICH I WOULD BE RESPONSIBLE FOR. 
IN XXXX 'S STATEMENT, I HAVE RECEIVED REFUND FROM XXXX AS PROMISED BY XXXX. PLEASE LEAVE AS IS AS THIS WILL ZERO OUT. 
ON XXXX XXXX, 2016, I RECEIVED A LETTER SAYING THE CASE WAS SOLVED FINALLY IN MY FAVOR AND THAT THEY WILL BE ONCE AGAIN REVERSING THE CHARGE OF THE TEMPORARY CREDIT WHICH ULTIMATELY LEAVES ME PAYING AN EXTRA XXXXUSD THAT I AM NOT RESPONSIBLE FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 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: MI

Complaint narrative:
My loan was sold from XXXX To discover student loans and improperly charged off. I was called in XX/XX/XXXX and told I must pay off all late payments or my loans would be charged off. I entered into a repayment program after I was informed that they had charged off to do whatever I could to repair my credit. I was informed by discover that they have no credit repair options, and that even though I was going to bepaying double the minimum payment two Months after it had originally charged off, it would have no positive effect on my account status or credit report. After I was unable to make the full payment, my loans were charged off and I was informed by a different employee at discover that I could have made a minimum payment to bring my account into a current status. I payed off the loan In XX/XX/XXXX and the loan is still showing as a charge off even though it is paid in full 3 months ago and it is preventing me from getting a mortgage and buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
My mother is XXXX years old and has been XXXX ; she has a credit card with Discover and paid for the XXXX insurance with them for over 30 years. Because of her age and XXXX I am the legal power of attorney for her. We have contacted Discover numerous times to file the paperwork necessary to claim her XXXX insurance to pay her credit card bill and have given them a certified copy of the power of attorney. Discover received the claim and instead of contacting me, the power of attorney, they called her to obtain additional information and she told them she does n't have XXXX or any XXXX. Discover continues to collect funds she does not have and makes threatening phone calls because she ca n't pay her bill. Discover is now threatening legal action against an elderly XXXX woman who struggles to identify her own family let alone any credit card ( s ). On XXXX XXXX, we received a letter from Discover saying they are now going to turn this matter over to an attorney and take legal action on a woman who does not even know what year this is! We are asking for help to stop Discover 's predatory collections!

Company response to consumer: Closed with explanation