vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hi, I have had a credit card account in good standing with Discover for several years, and was pleased ( at the time of account application, not now ), to receive a promotional checking account offer for a {$300.00} sign up bonus with conditions of sign up by XXXX/XXXX/XXXX, and make XXXX direct deposits within 60 days. Here is the full situation : a ) The application was opened on XXXX/XXXX/XXXX. The final screen said something along the lines of 'pending ' or 'more info is needed ', and it was my understanding ( as with credit card applications ) that a specialist would look into the account and contact me promptly. 

b ) Contact was never made, which was frustrating, so I called in on XXXX, and the account rep told me she saw the application and was willing to finish it. I reminded her of the bonus offer and *she acted like is was still completely good and valid* since I had applied on XXXX/XXXX/XXXX. 

c ) Direct deposits fulfilling your terms and conditions were completed XX/XX/XXXX. 

d ) I sent a secure message ( now unavailable to me ) in XXXX asking when the bonus would post, and the rep told me it would be on XXXX/XXXX/XXXX. He did never indicated that I was ineligible, and he apologized for the inconvenience. 

e ) When XXXX passed, I sent another message ( now unavailable to me since the Discover system deletes them after 30 days ), asking what happened. Another rep told me things would be adjusted within 30 days. There was still no indication that I was considered ineligible. 

f ) I sent in a message yesterday, XXXX/XXXX/XXXX, and was informed that the account was officially dated XXXX/XXXX/XXXX, which is the time of completion and not the time of the application, and I am therefore considered ineligible. This is the first I was told of this. I sent in an application on XXXX in good faith that it would be reviewed and completed, and in my opinion, Discover dropped the ball on it. Not me. 

g ) I then called in. The rep not only told me about the account date issue, but also informed me that I was not targeted. I received a direct mailing, and was therefore, by definition, targeted. They later change their story on this, oddly enough. 

h ) I received another message telling me, Oh, I guess you name is actually on the list (?? get your story straight ), but your still ineligible because of the account opening on XXXX, not XXXX like I thought it was. 

I can not believe that are going to renege on a bonus offer using a petty technicality. It is not my fault for not finishing my account opening in an 11 day window ( XXXX ). That was completely in their court, not mine, after I applied. This is bad business practice all around. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am a identity theft victim yet Discover bank failed to protect victim and consumer which violated consumer right. Discover refused to accept identity theft report and filed a civil lawsuit against me. I urge cfpb report this to media and subject Discover bank to a penalty fines. The public media must know about this!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover IT issuing credit cards based on shady predatory lending practices. Issued me a credit card with a 20 % interest rate and a {$7500.00} credit limit on a poor/limited credit history. Only other credit card I had was a few years prior and was only for {$500.00} which defaulted when I lost my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
False information presented through a computer screen used to create an apparent need for unnecessary services. After securing service the provider was shut down by CFPB. Fees paid have not secured promised service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I can not lodge external fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: WLCC
State: CA

Complaint narrative:
Arrowhead advance got paid XXXX for a XXXX dollar loan I offered to pay them the balance of XXXX dollars due. Today they debuted my debit card for XXXX so they have gotten paid XXXX the XXXX loan is illegal in my state of California.mi emailed the, weeks ago and they acknowledge my revocation to stop all ach and debit card transaction yet today they debited my account. These types of loans are illegal in my state and yet they still debited my account. I have disputed the charge with XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Global Asset Management Group, Inc.
State: MI

Complaint narrative:
She called me a loser and told me she is going to garnish my wages. I sent a cease and desist letter on this debt, but she said it was sold to another company. She would not give me her name and has called me 6 times after I asked her to stop. I was able to obtain her number she was calling from. XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: American Payment Holdco, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2017 I requested a transfer of funds from my checking account at XXXX XXXX XXXX. This is normal activity for the past 6 years to transfer money electronically to my family members for various reasons. The company that handles the transfer is Popmoney owned by XXXX. The money was withdrawn from my account on XXXX XXXX. It was held for XXXX or 7 days. When I called XXXX I was told by XXXX XXXX that they XXXX had been advised by Popmoney that the money was being held by The US Federal Reserve. I called the Fed. XXXX and spoke to XXXX. He told me the FR was not holding any money. The XXXX refused to give me any information about the company that handled this service offered to members by them. I looked it all up on line. This company has no authority to hold my money for any reason. Their only role is to transfer the money between accounts as requested. They should be fined. I do not see a phone number for them. 
Here is the contact information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
When applying for the loan, borrower costs provided to us over the phone was different from final borrower costs on the disclosures. Approximately XXXX $ had been used to buy down the interest rate and financed into the loan, thereby increasing the loan balance significantly. This appeared to have been done with the sole aim of appearing to be competitive. When asked to pick a different rate, several additional fees were added, again bringing up the final borrower costs for the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
I am unemployed and could n't afford house insurance so the mortgage company applied insurance for me. They made it sound like they were helping me but when i let them go ahead with their insurance is when the problems accumilated. The insurance is 150 % more in price than the lapsed insurance. They did not state the amount until it was applied and did n't tell me it would be added on to my mortgage payment. The loan is only {$80000.00} and the house is est. at {$160000.00} value. The policy they took out is for {$200000.00} and the premium is more than mortgage payment. They would not take any partial payments that i tried to make even though their letters explains any partial payments may be deducted from new mortgage payment or held in suspense and not deemed as a cure but they would n't take any of my repeated partial payment attempts. Now there is several late fees, and other charges accumalted. A {$420.00} loan payment has ballooned to a {$2900.00} payment in just 2 moths. They are now sending letters of when they can start their forclosure act. The new insurance payment that was put on top of my loan payment is {$450.00} monthly and does n't cover any of my personal belongings. Please HELP, i aslo have joint custody of XXXX children. I need help because i have tried to negotiate with them but they will not help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: MI

Complaint narrative:
I have mailed in money orders with the clear account number on it and the loan number on it and a letter stating this laid out. It was recieved and again payment put to the wrong account and not a sub set loan. 2 WEEKS now of going back and forth on the phone they have still not correct and charging interest on the loan in the meanwhile. Its very simple account XXXX with loan XXXX is not account XXXX distrubte to all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover card approved my application for credit. After mailing the credit card, they are saying that the application should have been denied due to the previous account being revoked. I made my payments on time for the previous account and Paid the account in full. The previous account was closed because of too many disputes. 
That 's what Discover told me. 
The payment verification team put a hold on my newly approved account and now, I have not even been able to use it since I opened it. 
I feel discriminated against and I am being denied credit when I am legally approved for it!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I went to activate my card but it was denied. I called gave all the information. I was told that he card was deactivated because I did not use it. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Having multiple credit cards, I gave discover the wrong passcode to my account. They immediately transferred me to the fraud department, without my knowledge. All of a sudden it went from courteous service to someone who was brief and dismissive. The personal questions they asked about my life are pulled from public records and they were not accurate. So they continued to lock my account despite them having incorrect information. I was finally able to activate my card but I felt such a difference in service when transferred to the fraud department. While Discover 's goal may be to put the customer first, they clearly do not treat all customers equally. Furthermore, their disinvestment in technology systems which could speed up the credit card activation process is eye-opening. They could not verify me by sending a passcode to my phone or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I contested an apartment Community billing amount of {$3000.00} in XXXX where Judgement was for me to pay {$830.00}. Property Manager immediately sent {$3000.00} to Collections Agency called Rent Recovery who listed the {$3000.00} with all XXXX-credit bureaus. On XXXX XXXX, XXXX, I contacted the manager of XXXX XXXX XXXX where the Manager adjusted the amount down to {$1900.00}, and he forwarded this Corrected amount to Rent Recovery. Problem : Rent Recovery has failed to submit the Corrected Balance of {$1900.00} to the credit bureaus. I have requested a Corrected Billing from Rent Recovery, but have not received it. Rent Recovery says their requests to generate this new document was made 3-4 times and that I should have it. Now Rent Recovery has said they Do Not Generated Corrected Billings or Settlement Letters. I need a True Balance Bill to verify the Corrected amount I will be required to pay. Rent Recovery is rude and will not confirm that they have sent any updated billing to me or the credit bureaus as they stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: OR

Complaint narrative:
I applied for a Discover it* card on XXXX XXXX when there was a {$50.00} XXXX XXXX XXXX offered for approved customers. When I applied I clicked directly on the link that was presented to me on the XXXX website. Bear this in mind, as it comes into play further on in my story. I waited and waited to receive this reward. Finally, I contacted Discover card customer service. I am told that I selected a 0 % card, and not the gift card option. As I explained in a string of email correspondence to several Discover card representatives, I would NEVER chose that option, as I pay my bill in full every month, so a 0 % card is not of benefit to me. I was told that was MY mistake, they can do nothing to correct the issue or make good on their offer. Basically, they do not care about honesty in promotions, or in living up to their offers. I feel this is a classic bait and switch scenario, as I was only presented with the XXXX offer, not multiple offers to chose from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover closed my account for no valid reason. I paid more than the minimum due to a XXXX balance. They closed my account but not before reducing my credit limit from XXXX to XXXX while I had a {$2500.00} balance in XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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: NY

Complaint narrative:
four years ago discover student loans advertised on their website and those claims were stated by a customer service rep, that co-signers would be released after 18 months-two years of on-time payments. Now they say they made no such claim. 
Can they back out of this? We took the loans under false pretense and information by discover. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I do have a cash back checking account with Discover bank XXXX XXXX XXXX XXXX, UT, XXXX, and the XXXX number is XXXX and the account number is XXXX ). The Discover bank mistakenly input my bill payment amount as of XXXX dollars paid to my Discover Card on XXXX XXXX, 2016. The statement balance of my Discover card is just XXXX dollars. Apparently this transaction is voided. But, Discover bank billpaymnet service provider XXXX tried to withdraw the invalid fund from my cash back checking account with Discover bank twice on XXXX XXXX and XXXX, 2016 without my knowledge, which led to insufficient fee charge of XXXX dollars against my cash back checking account on XXXX XXXX, 2016. I need Discover bank to return the insufficient fund fee charge of XXXX dollars posted to my account on XXXX XXXX, 2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: IN

Complaint narrative:
I am starting to be harassed by phone for credit card collection. I want Discover to cease and desist contacting me by phone for collection on my Discover credit card account. I have other credit card companies that have used harassment by phone for this reason and reported them and the credit card companies quit calling me. Please contact them and let them know that this type of harassment is illegal. 
Contact information : Discover Card information : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX IN XXXX SS # ***********

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
Professional Credit Management of XXXX, AR ( PCM ) intentionally and illegally reported and continues to report false information to Equifax. I had a procedure in XXXX of XXXX. They originally reported the date of first delinquency as XXXX of XXXX, three months prior to the date of service. Pursuant to the Fair Credit Reporting Act ( FCRA ) they must report accurate to the credit bureaus. I have their manager, XXXX XXXX, on a recorded call stating that they do indeed report false information so the information will come off sooner. Reporting false information is still illegal. Since then, PCM has reported the debt as unpaid when it has been paid and now they 've changed it again. In the last 2 months PCM has reported several different false reports, defamed my character, and jeopardized my ability to get sound interest rates. PCM should be shut down immediately and required to cease operations. I am also asking the CFPB to do a full audit of PCM.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax is listing a paid account which has been paid and is affecting my credit. 
Equifax is the only bureau that lists this as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I AM NOT ABLE TO ACCESS MY CREDIT REPORT WITH MY EQUIFAX COMPLETE ADVANTAGE MEMBERSHIP THAT I PAY {$17.00} MONTHLY FOR AS THEY HAVE LOCKED MY CREDIT FILE TWICE NOW ONCE ON XX/XX/2016 AND AGAIN ON XX/XX/2016 AND IT IS STILL LOCKED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This Fraud address was asked to be removed and I did submit proof and a credit report also My DL, ID, Passport proving I was living out of the country and bills. Please have them to remove it. I have asked 4 times by mail over the last 6 months. 
XXXX XXXX Il has never been my Address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax refuses to report student loans as paid in full, XXXX balance. The Department of Education/XXXX granted me a discharge for XXXX on XX/XX/2016 for all my student loans, including loans with XXXX and with Department of Education/XXXX. I have sent copies of the discharge paperwork to Equifax, but Equifax refuses to remove the loans or report them as paid in full and closed with XXXX balance. This is in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: National Budget Planners of South Florida, Inc
State: TX

Complaint narrative:
I signed a contract with XXXX XXXX XXXX XXXX ( " XXXX '' ), and they were supposed to pay off my Sub and Unsub loans. I have been paying XXXX $ 39 monthly, and they were automatically debiting the money from my bank account. Then XXXX contacted me to renew my request for a deferment, and XXXX informed me that XXXX had not paid my loan as per the contract. Now I have sent XXXX a letter stating that I would no longer pay them the {$39.00}, and I put a stop payment on the ACH with my bank. I would like my money back and, more importantly, I want XXXX exposed as a fraud so other students wo n't go through this ordeal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have inquires on Equifax credit report more then 30 days ago I sent letters out demanding an investigation this in the second time about 10 days later Equifax replied letters for each inquiry informing me that they do n't investigate also stating I had to contact the company 's doing the inquiry I had already done that those request mostly went unanswered, or I had contacted Equifax these inquires have inaccurate information that I 'm disputing these are the ones I am disputing XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, X XXXX with Equifax the 30 day investigation period has been exhausted XXXX fair credit reporting act i am requesting that your agency enforce the fair credit reporting act with Equifax.

Company response to consumer: Closed with explanation