vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
As a veteran I applied to refinance my mortgage under a program to lower my mortgage payment under a program as a veteran. After accepting a fixed mortgage to get out of an adjustable rate I received an offer that would considerably lower my mortgage. It was then ( approximately 2 months ago ) I was notified the my credit report reflected the my loan was in forbearance for 2 months. I did not even have that mortgage for 2 months. My lender did a 3 way call with Freedom Mortgage who explained that this was a problem in their system. Now 2 months later I had a job offer with XXXX suddenly removed. I called them to find out about the correction which has not been made. This is also preventing a current refinance opportunity. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
My bank account, savings, checking, as well as a credit Account had an address change that was unauthorized. I immediately called Fifth Third call center and spoke to XXXX to be told my account address was changed via the phone. I asked to freeze accounts but could not be done on the phone so I went to the branch. The address was changed on my account by a person by the name of XXXX XXXX but why would that be in the bank notes and why would the bank allow another person to change account address??? I asked why the address would have been changed all they could tell me it was done on the phone. What? And what about multi faceted questions to check account holder??? HELP!!! My bank statement may have gone to this new XXXX address they could not tell me if that happened

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have disputed this XXXX times but discovercard must be in cahoots with XXXX gym. 
I joined the gym and signed a contract for the regular membership in XXXX. Then, last XXXX of XXXX I decided to get a personal trainer at this gym. I talked with them and they said a 3 month program was what I needed. So I completed the 3 months. ( Actually, my XXXX XXXX went up so I could n't finish and that 's another story - trainer was going to keep my unused sessions for later, when bp was better. I have texts about this. The texts also prove my point of not even KNOWING of any contract as I am asking the trainer about my sessions EXPIRING after XXXX months ) So in XXXX of XXXX I get my discovercard and it shows they charged ANOTHER {$300.00} for a fourth month! I went from the mailbox directly to the gym. This is when I was told I hadto cancel my trainer sessions at least 30 days prior to ending and since I did n't have 30 days until the NEXT billing date, I would be charged ANOTHER {$300.00}. I was confused as I thought I just got 3 months and that was it, unless I signed up for more so they offerrd to keep the sessions for when my bp returned to normal and when I returned to Florida in XXXX from an extended trip. So I went home and just could n't figure it out how I had n't known better, or " known ''. Next day, I went back and had the girl behind the counter print me out my contract. Turns out I had XXXX. XXXX was the original that I had signed, and XXXX was for the trainer and it WASNT signed and I had n't seen it! That explained it! They had gotten sloppy. They 'd also lost anything about me, like my diet from my dietitian, the original pre-workout measurements, etc. 
So when I called Discover card, I was told that this would be taken care of no problem, since there was no signed contract. 
I also still have text messages with my personal trainer where I ask if I have to do anything like talk to the " big shots '' to be sure they keep my unused sessions until my XXXX XXXX improves, which is after my 3 months expire. He should have told me they DONT EXPIRE and I need to CANCEL 30 DAYS OUT!. I do n't think he was trying to scam me though. I hope not. I think they messed up and wanted to get {$600.00} more, like they normally would. Maybe they did it on purpose, do n't know. I just know my credit company should have went my way with the dispute. Their evidence they showed in the dispute was the UNSIGNED CONTRACT!! I said that is MY EVIDENCE!! What kind of country is this if they can truly do this? I think Discover is just incompetent or in cahoots, as I said before. 
Please help me. I refuse to pay this but am afraid it will ruin my credit and I have always strived to be a good citizen. I must say I 'm disenchanted. How could this happen? Nothing means anything anymore. A blank contract is good enough? How could they be so ignorant or did something change with contracts I 'm not aware of??? Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
my bank the BECU decided to take my SSA treasury state check well it was n't a check it was wired funds external wired funds and I 'm mentally XXXX I go to compass health in Washington XXXX XXXX XXXX. I had a bank representative from this number and is on a recorded line because they record their phone conversations XXXX And they have a recorded phone call me talking to a representative from Boeing becu representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check funds from me. The representative bank teller person over the phone and he told me and guaranteed me that the bank could not take that check but the BECU bank in XXXX wa still proceeded to take the funds from my checking account from the ssa treasury and XXXX. so the bank BECU Boeing In XXXX wa took it from me illegally I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and do a claim to proceed to get my funds back that they took I even contacted Social Security and called their number and they also told me that the bank can not take my SSA treasury check that I get monthly so I do n't understand how they get away with that and I stuff the contact Social Security to do a complaint and doing the file when they should n't have considering someone from the banking of us bank from the number XXXX told me and guaranteed me on a recorded line phone conversation guaranteeing me and telling me that they the bank in XXXX Washington BECU Boeing that they can not touch that or take that funds for me out of my checking

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
This complaint relates to the Discover credit card pre-approval online website titled " Find My Offer ''. 
This site is deceptive and misleading consumers into taking the next step of submitting formal credit card applications. 
In my case, after submitting basic identifying information, such as name, address and the last XXXX digits of my ssn on their initial 'Find My Offer '' site, a soft pull was performed on my credit file. 
After a brief pause, while my credit was being checked, led to a new Web site popping up, informing me of " Your Personalized Offer '', along with " Here 's the card we found for you '', indicating the Discover It card. 
Well, needless to say, I was turned down, after submitting a lengthy formal application, along with disclosing the account numbers for XXXX of my other credit cards that I wished to have a balance transfer over to the new Discover It card that I was " Offered ''. 
I can accept a credit card denial, what I ca n't accept is misleading and deceptive marketing. The words " Offer '' is utilized multiple times along with the extremely deceptive " Your Personalized Offer ''. 
An " Offer '' is just that, an " Offer ''. Pretty straight forward language. 
This not only resulted in a hard pull on my credit report but, more importantly, the disclosure of other credit card account numbers which I hold. I would never have disclosed this information but for their language of " Your Personalized Offer ". 
After a review of Discover 's " Find My Offer '' website, you may very well agree with my assessment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is about my Credit Card issued by Discover Finance Services ( DFS ). By chance, I logged on to my account online and found a message that a company 's data breach had compromised my card. Although DFS contacts me by email or phone text for other concerns, I had not received any other notice of this problem which included cancelling my present card. There are two problems. 
First, they REFUSE to tell me what company 's data was breached causing this problem. They claim they can not reveal this information due to an ongoing investigation. 
Second, they list a company, " Order Channel, '' as an automatic charge on my card. I do not recognize this company and they can not identify the company either. They claim that I must have used this company at some time. An internet search does not locate a company with this name and it may be a fake company that has infiltrated DFS. 
The representative I chatted with about this today was not concerned about this unknown company. 
There has been a data breach and DFS is hiding it. 
They refuse to identify a company that they are possibly sending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: OH

Complaint narrative:
I made my mortgage payment on XX/XX/2017 in the amount of {$1300.00}, which was about {$6.00} more than what was due, and I asked that the {$6.00} go towards principle. On XXXX/XXXX/2017 there I received an email from my mortgage servicer that they had received {$350.00} which went towards escrow. I did not request this payment and frankly did n't plan financially to make an additional payment this month. When I called my servicer they said " oh, must have been a mistake '' but were unable to stop the payment from going through.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
Last year I got involved with several fraudulent companies that contacted me to sell me their services, that I did not solicited. After I paid the first XXXX, many others were calling me like they were all connected offering me online services related that were unnecessary. XXXX XXXX XXXX was XXXX of them, they called me on XXXX/XXXX/2016 and I was told they guaranteed XXXX leads plus internet marketing, 6 months of advertising, they said the leads were guaranteed, they said they would deliver leads within 180 days from date of payment clears.Did n't receive it. Leads would apply to my website. I paid them {$3000.00} with my Discover card. No other contact, no emails, or calls, etc. They stated I would make money with this opportunity. Have not made a penny.And they disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Excella Recovery Group
State: CO

Complaint narrative:
I continually get contacted by people from Excella recovery group. I have paid multiple times on payday loans that I took out a few years ago. This time I was contacted by XXXX XXXX calling from XXXX, she gave me XXXX to call back if we were disconnected. I asked her what this was about and she said that a payment I had setup months before had just shown up in their database as declined. I did setup a payment ( I feel this is a scammer and that was my last payment to a scammer. ) but it was n't ever attempted to pull from my account. When I asked her for the original account number, she stated she had been given an incomplete file and hung up on me. As I think this is a scam, I have n't called them back and she has n't returned my phone call. This company has contacted my family and told them I owe this debt ( which I know is against the law ) and I do not need that happening to them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXX fraudulent credit cards were opened in my name. I have filed a dispute with the credit bureaus and filed an ID Theft report with my local police department. XXXX company, XXXX XXXX closed the account. The XXXX other companies, Discover and XXXX XXXX, are refusing to close the account. They continue to harass me and are asking me to pay for a debt that I did not incur nor give permission to open. When I asked them for a copy of the application with my signature, XXXX XXXX sent an affidavit to be notarized. These are stall tactics that XXXX XXXX is using to continue to leave this fraudulent account open in my name. 

Both Discover and XXXX XXXX are irresponsible due to the fact that they allowed accounts with limits of over {$5000.00} to be opened in my name - without my signature! Banks require signatures for loans of {$100.00}, yet these companies may open accounts in people 's names without their permission? And when they are given a copy of the ID Theft report filed with my local police they still refuse to close the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: WI

Complaint narrative:
Some one call on phone a lot my phone number and from variety phone numbers and give message on my answer machine and person want me know debt collect and give me website www.americacollectpay.com. I call on phone this phone number and from person I tell in here and XXXX XXXX and ring and later nothing on phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I called DISCOVER card to pay my balance in full with the interest included. I specifically told the representative on the phone that once my bill was with interest was paid in full that I did not want to be contacted in any way, not by mail, email, or phone calls. Discover clearly did not log my request down. I also told them that " I wanted my card account closed and my credit report to state '', " account closed by the consumer and all negative and late payments removed from my credit report. '' Despite all my request to DISCOVER card I am still receiving letters in the mail stating that I own them {$150.00}. The letter balance has me paying {$7500.00} but they stated I only paid {$7400.00} in the current balance so they can continue to harass me for money and try to nickel and dime me for more money. I want the harassing letters, email, and phone calls to stop. I also told the Discover card representative to delete my personnel and bank information since my account is closed with them and there is no need to have that anymore. DISCOVER card told me that they would not only be keeping my personnel information but they well be storing it for sometime to do what ever they want to do with my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CA

Complaint narrative:
I decided to do business with CarHop located in XXXX, IL. They financed a XXXX Chevrolet XXXX on XXXX XXXX, XXXX through Universal Acceptance Corporation. Within a month I began to experience troubles with the car and it became unsafe to drive. I took the XXXX Cavalier to CarHop on XXXX XXXX, XXXX and they took the car back and put me into a XXXX Dodge Stratus. I was not required to pay anything for them to put me into another car. Here I am XXXX XXXX, XXXX and my credit report has a derogatory mark on it from Universal Acceptance for an unpaid balance for {$52.00}. I have contacted the company and they stated they can not tell me why I have the balance and all they know is that their records show I have a balance of {$52.00} remaining on the XXXX Chevrolet XXXX. This is ridiculous. For an amount that small if there was a balance on the car at the time of the trade-in the sales representative at CarHop should 've informed me about it. I should not be held responsible for an error on CarHops end. The sales rep failed to mention anything about a remaining balance. And ultimately why should I pay a balance on a car that broke down, had car troubles, and was unsafe to drive all in a months time span.

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 2015-08-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover Card, after their initial provisional chargeback credit, reversed their decision in merchant 's favor. Then, upon presenting incontrovertible evidence, they re-decided in my favor. Based upon fraudulent representations and so-called policies which were never presented to cardholder and which were certainly never agreed to or even seen, Discover incorrectly re-decided against cardholder. Merchant was untimely. Merchant presented irrelevant, unilateral, and fraudulent documentation. Cardholder then presented even more overwhelming evidence against merchant, but Discover decided to be a mere merchant lapdog. XXXX XXXX ( XXXX ) charged cardholder for services not only which were not satisfactory, but cardholder maintains were fraudulently never even rendered. Discover has not followed their own Dispute Rules Manual and other dispute procedures which is posted online. Discover is not in compliance with Regulation Z of the Truth in Lending Act and/or Regulation E of the Electronic Fund Transfers Act, as applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am having problems with a third party using my account without my permission/consent. This is annoying as this problem is constantly. The fraudulent address is Discover XXXX, UT XXXX Discover Bank, Member FDIC. The Payment address which I believe to be the original Discover address is Discover Financial Services, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
I used a 0 % APR balance transfer offer a while ago and then later made a purchase, forgetting that the 0 % APR was just for balance transfers. My minimum payment was more than enough to pay down the purchase over a couple of months, so I assumed it would be paid off shortly. However, the minimum payment was only being applied to the lowest interest balance, not to the highest interest balance as I assumed. I talked with a customer service representative online, and they only apply amounts in excess of the minimum to the highest interest balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card called my home to verify I submitted an application for credit I said I did not and they wanted my to verify my personal information. I said I would not since the phone number and name of business that ne was calling from said unavailable and that I had an issue with persons stealing my mail. He stated that Discover card did not have to protect me the consumer under the fair credit act. he placed some one else on the phone she said call me back at XXXX and ask for XXXX XXXX. I told here to send me a letter with the detail so I can protect my identity. She advised me that the application would be canceled but no details would be provide due to privacy law. So the bad guy is protected by the law while I get my identity stolen. 
Prior to this a credit card was stolen from my mail activated by XXXX and fraud charges were made $ XXXX. I reported this to XXXX XXXX XXXX they just said they would write it off. Complaint filed with the local police and with the USPS. Requested that the credit reporting agency place a alret on my credit and Discover is stating no such alert is present. How do I protect myself now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: DISCOVER BANK
State: NJ

Complaint narrative:
The creditor is Discover Private Student Loans. I was a co-signer for my son. The money was not used for tuition and education expenses, but for his housing and living expenses while in school. The loan does not qualify for protection because it does not meet the criteria under 523 ( a ) ( 8 ) of the Bankruptcy Code. The creditor was notified by the BK court, did not respond, and the debt was fully discharged in XXXX, XXXX. Now in XXXX, XXXX, I have started receiving collection calls ( XXXX ) trying to collect the debt. When I give them the BK info ( Case Number, Court where filed, Judge 's Name, and Date of Discharge ), they argue that they do not have to honor it because Student loans are not dischargeable. I 'm XXXX years old. My son did not discharge his debt to them and is still on the hook for it. He is currently out of work and struggling to get by. XXXX clearly shows the name and address of this creditor. There should be protection for us and a way to stop this from happening. Bankruptcy is stressful enough without having to relive it daily with collection calls for discharged debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
Dear CFPB, I requested information from a law firm representing the bank/creditor to verify a credit card debt they are alleging I owe - and they did not supply all the information and much of what they supplied was false and inaccurate. 

Please initiate an investigation and advise me as to the next steps to be taken. 

Thank you

Company response to consumer: Closed with explanation