vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-08 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: PA

Complaint narrative:
I refinanced my student loan with XXXX on XXXX XXXX 2016. The check was sent to Discover on XXXX XXXX 2016 and cashed the following week. They have not reported to the credit agencies that the loan is closed. They also have yet to provide a closing statement and refund me approximately {$1100.00}. This also has dinged my credit score because today, due to their lack of action, I currently have XXXX student loans outstanding. Their customer service and misinformation is very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Platinum Finance Company, LLC
State: FL

Complaint narrative:
I entered a Debt Management Plan with XXXX for a Payday Loan obtained from XXXX XXXX XXXX. I signed the XXXX documents on XX/XX/2014. XXXX continued to debit from my bank account, so I called them on XXXX XXXX and asked them to stop charging me, since I was already paying on the DMP. I also called XXXX XXXX, and asked that any payments they try to take out be stopped. despite these attempts, they have debited me XXXX more times. I keep calling and being assured it will be taken are of, and it is not. I am paying this back to XXXX companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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: KY

Complaint narrative:
My complaint stems from concerns that I have after reading about the recent settlement between CFPB and Discover. While enrolled in my last semester at XXXX XXXX XXXX XXXX School, I took out a XXXX Loan from Discover Student Loans to cover the costs of studying for the XXXX exam. I have received, online, the interest paid amount for tax purposes for the years of XXXX, XXXX and XXXX. Each tax year listed that my amount of interest paid was {$0.00} ; I did not claim any amount of interest to Discover on my taxes during these years ; to be honest, I believed that the amount were probably correct and that somehow, perhaps a XXXX Loan was n't a student loan. However, I have since learned that is untrue. As you know, the recent settlement includes Discover 's failure to properly report the amount of interest paid on their loans for tax years. Unfortunately for consumers like myself, the settlement only covers up to year XXXX. In XXXX, my amount of {$0.00} was correct, but the company informed me today that the interest paid the other years XXXX XXXX & XXXX ) was incorrectly listed at {$0.00} on my Tax Information Page. My complaint is that I was given false tax information that cause me to be unable to accurately claim interest payments made on my taxes for tax years XXXX and XXXX. Unfortunately for consumer 's such as myself, Discover 's issue with tax information extended beyond the years addressed in the recent settlement agreement XXXX XXXX ) and there is no resolution for consumers affected in XXXX and XXXX, such as myself. I would appreciate your help in guiding me through my concerns and seeking a resolution. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover is reporting an authorized user on my account that needs to come off my credit report. Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions
State: WA

Complaint narrative:
I moved out of the XXXX XXXX XXXX ( XXXX, WA ) on XX/XX/2015 and the move out statement that the apartment complex sent me ( after receiving multiple dispute letters ) even confirmed that my lease expired on XX/XX/2015. Yet for some reason the XXXX XXXX XXXX are trying to make me pay for imaginary charges from XX/XX/2015, more than a month after I had already moved out. I 've already submitted multiple dispute letters to the Apartment Complex and to the Debt Collection agency, yet they still continue to harass me with imaginary charges. I literally did n't have any association with the XXXX XXXX XXXX in XX/XX/2015 ( neither a lease or living there ) and they are still trying to make me pay for made up charges multiple years later. I 've sent at least half a dozen dispute letters, and for some reason, to the XXXX that just means that they should harass me some more with imaginary charges. The most recent debt collection agency ( Rent Recovery Solutions ) has offered me a 20 % discount if I pay these imaginary charges, even after I sent them a dispute letter as well! I have XXXX and am out of work right now, preparing for a XXXX. This is the last thing I need in my life right now, any help would be greatly appreciated. What they are doing has to be illegal, they know I do n't owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover Financial services is reporting me as being a total of 60 days late, in XX/XX/2015 and XX/XX/2015. This is an inaccurate reporting and stopping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
COMPANY DID NOT FILE A COMPLAIN WITH A COURT OR DID NOT NOTIFY ME IF THEY DID, BUT WENT AHEAD TO PROVIDE MY BANK, XXXX BANK FAKE DOCUMENTS AND GARNISHED MY BANK ACCOUNT ILLEGALLY OF FUNDS RANGING FROM {$410.00} TO {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 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: NY

Complaint narrative:
I recently refinanced my loan ( after a lot of hard work ), and discovered that I previously made payments to the loan equal to almost twice the original loan amount. This sounds crazy to me, and I think I may have been taken advantage of by the loan provider. Please note I only finished my degree ( XXXX ) XX/XX/XXXX, and the original loan taken out was for my degree. 

The original student loan was for : {$42000.00} I noticed they gave me an obscenely high interest rate of 11.75 % - unsure if that was even legal in the first place. I simply do n't know, and am concerned I was taken advantage of. 
In their summary I see the following : Payments To Date {$80000.00} Principal {$64000.00} Interest {$16000.00} Late Fees {$0.00} I wanted to know if there is any protection for consumers when a loan provider takes advantage of us. Is there any protection so we do n't spend almost two times the original amount. I would be debt free right now if it was n't for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
I would like assistance in disputing a charge on my Discover Card. I am a XXXX year old retiree who became involved with XXXX amongst many others.Also on my credit card their merchant 's name is different, It shows as XXXX And XXXX FL. I was contacted by an unsolicited telemarketing phone call last year. They offered me a very profitable online business, a website and training. They disappeared right after I paid them. I tried to get in touch with them and they would not return my calls. I opened a dispute with my credit card, Discover and they told me It has passed too much time and could not help me, they blew me off. I have been in touch with the Attorney General 's Office and they advised me that I have 540 days to dispute since they did not provide the services that they promised me. I am beyond frustrated with this situation, I hope you can help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover claims that I signed up for " payment protection '' XX/XX/2011. I do not recall signing up for this service. By my math, since XX/XX/2011 I have been charged {$450.00} in fees for a service I did not enroll in. I called Discover and was told that I could only be reimbursed for the past six billing cycles. I would like to reimbursed for these charges in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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: WA

Complaint narrative:
I have been getting calls from Discover Student loan almost daily, some times more than twice a day. Early morning, late night. I spoke with my Account Manager to arrange payments of {$300.00} per month. I have been making my payments online through XXXX XXXX. It did n't stop the calls and emails saying that I missed payments. When I spoke to my account manager, although they are trying to be polite, they are very condescending and keep saying I am not making payments which is not correct. Unlike XXXX XXXX who is more willing to listen and give more information on how to pay without putting me and my family ( I am single mother ) in financial hardship, they kept asking me " When in XXXX XXXX next month ) can we start the payment of {$680.00} XXXX which is more than double of what I currently pay )? '' They practice of debt collection should not be legal and I do n't believe they are disclosing information and options for my loan payments. 

I know XXXX XXXX is not perfect, but they at least talk to me like a customer and a human. They give me the opportunity to present my expenses and income and work out a number that will work. Not a " sales '' call to get as much money that I can not afford out of my paycheck and threatening to take legal action, threatening me not to ever take my loan out of default unless I pay everything off.. the whole {$23000.00} with interest, even though I make payments monthly? That is putting a burden on my finance having that on my credit history for however long it takes me to pay that off. instead of working out a number that can work for both side in a long run. That is a big chunk of money that they requesting. They absolutely do not care about education loan industry. They should be not be providing student loan with the collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: Total Recovery Services, Inc
State: IN

Complaint narrative:
TOTAL AND XXXX KEPT CALLING ME AFTER CEASE AND DESIST AND CEASE COMMUNICATIONS IN VIOLATION OF TCPA, FDCPA AND DSCPA INFRACTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I hadXXXX negative items on all XXXX credit reports. All have been cleared except XXXX from Experian. It was negative in XXXX, XXXX. After contacting them, they goofed and made it a positive item on my report staying on for 10 years ... XXXX XXXX. More letters and calls to them finally they corrected it to negative but still keep in on until XXXX XXXX. According to XXXX Bank it is a negative item and should be deleted in XXXX, XXXX. Nobody at Experian bothers to review this problem. They just send the same response back. Can you help? I have documents to prove this but I am rather illiterate on the computer and do not know how to attach things. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Global Asset Management Group, Inc.
State: TX

Complaint narrative:
Told me how do you plan to pay if you not working in said when I was working I was paying they told me well the court costs and attorneys fees will be double his name is XXXX ph # XXXX I ca n't find an address or company bio I called the XXXX on that area they have know reference of the business

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 2015-07-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am hoping you can help me. I had a credit card with Discover years ago. Due to a divorce and relocation and severe loss of marital income I had to stop making payments in XXXX. 
I have recently received a letter from the IRS siting funds I owe from a XXXX cancellation of debt from XXXX XXXX XXXX ( Discover Card ). I was only contacted by Discover a few times in regards to debt collection and that was within a year of my last payment. In NC there is a XXXX year statute of limitations on credit card debt and even the IRS sites an expiration of a non payment testing period as XXXX months. I am trying to dispute this with the IRS but getting information from Discover has proved to be difficult. I believe the XXXX form that Discover sent me should be for XXXX or XXXX, not XXXX. The debt the IRS is trying to hold me responsible for is too old and the credit card company should be held responsible and made to provide accurate information to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I had funds from a XXXX that were rolled over automatically to an IRA account. I was notified over 30 days ago and forgot about this. Today ( XXXX/XXXX/2015 ) I received a letter saying I have 7 days to close the IRA account if I do n't want it. I have option to roll over these funds to an existing IRA with another bank. The issue here is the letter was dated XX/XX/XXXX and the IRA was opened XXXX. Today is the XXXX day and I have zero recourse. I argued with these people over the phone today ( XX/XX/XXXX ) and got no where to resolve this problem. A supervisor is or was supposed to call me back, but that never happened. It 's not my fault the postal service delivered the letter late. Now they 're telling me I have to fill out a bunch of forms to open the account I do n't want in order to access my funds. I want proper recourse that I was intended.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mnet Financial Inc
State: TX

Complaint narrative:
I paid a debt to MNet Financial on XXXX for medical services earlier this year. I received a call from someone today, XXXX, saying I did n't pay it. I pulled up the information on my phone and gave that person the information that appeared in my bank account info showing it was paid. Because the information showed MNet 's phone number she said it was not sufficient to identify in their system. She said I would need to produce a bank statement. I am not going to send a bank statement with my personal information to this debt collector because their system is too antiquated to reflect that the payment was made was made SIX WEEKS ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: VANDYK MORTGAGE CORPORATION
State: ID

Complaint narrative:
I went through Van Dyke Mortgage and worked with an officer named XXXX. He tried to approve me for a mortgage loan, but could n't because I needed to pay off a few things first. I paid off those things and he then did a rapid re-score approving me for XXXX with the USDA loan. There were little to no options in that price range for a decent home. I then went through XXXX and worked with an officer named XXXX. She was able to get me down payment assistance and XXXX in a mortgage loan with the FHA loan. XXXX called me shortly after I started working with her and was very upset. He then emailed me an invoice for the rapid re-score. The bill was XXXX. I am very upset because he never disclosed that costing me and after speaking with XXXX, I found out it was n't legal for him to do that. She then gave me the link to this site so I could file a complaint.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Dear Sir/Madam, I am filing a complaint about Discover credit card ( account # XXXX ). This account was opened on XXXX/XXXX/XXXX and according to the terms and conditions, the card will receive XXXX miles per every dollar spent and the first 12 month 's earned miles will receive a match bonus. Since account opening, I have earned XXXX miles. My account has always been paid timely. 

Discover card closed my account for no reason on XXXX/XXXX/XXXX, just a few days before the first annual anniversary. After my account closure, they not only denied my last statement miles credit but also told me that I would not receive the annual match credit. They stated that their program policy is if the account is closed, it will not receive the match bonus. 

It is apparent that Discover card closed my account just 4 days before the 12-month anniversary just to deny my due credit of {$2300.00}. Discover has been trying to deceive its customers to open and use their credit cards with a promotion that they know they will deny in the end. This type of deceptive practice can not be allowed. I am hereby asking discover card to credit my account XXXX miles in cash format of {$2300.00} as a direct deposit to my linked bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
The Discover card offers an extended warranty that appears in the list of benefits ; their website states " No need to worry about expired warranties. We will extend the terms of an existing eligible warranty for up to XXXX additional year on warranties of 36 months or less '' and further states this is " Available to all Cardmembers ... This exclusive benefit is available to you as a valued Cardmember. We 've got you covered when you use your Discover card. '' The reason for my complaint is if you decide to utilize this benefit and file a claim, the claims process ( which is administered by a third-party ) requires an official repair estimate to be submitted and this may have a cost -- thus, in order to use the Extended Product Warranty benefit, a consumer may have to pay an un-reimbursable expense that is not covered by Discover or their assigned third-party claims processor. 

In my particular case, I have a XXXX TV that failed after XXXX 's original one-year warranty. After filing my claim and providing all other requested documentation, I have found that there are no " free estimates '' available from authorized repair facilities. All repair providers require an upfront fee of {$99.00} to {$140.00} for an in-home estimate, the cost of which may or may not be applied towards the actual parts and labor repair. Discover will not cover this cost, and thus, this is not a free benefit. Contrast this to any standard manufacturer 's warranty that would not require any cost to initiate and finalize a repair or replacement and you can see that Discover needs to address this issue as this benefit is not actually extending the original warranty and this is deceptive. 

My request is that Discover amend the " Extended Product Warranty '' Terms & Conditions advising consumers " that any cost for an estimate is not included in this benefit '' or that they would reimburse the cost of any estimates paid for by a consumer as part of the claims payout process. 

I have contacted Discover already about this issue, but do not have confidence the company will take my complaint seriously so this is why I have elected to bring this complaint to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I opened an online savings account with Discover Bank based on a targeted offer I received in the mail. The offer was to include a {$100.00} bonus if I deposited {$15000.00} by XXXX/XXXX/15. The bonus was to be credited to my account within 30 days of receiving the required deposit. I opened the account with the deposit of {$15000.00} on XXXX/XXXX/15. The deposit was posted to my account on XXXX/XXXX/15. As of today, XXXX/XXXX/15, I have not received the credit that was promised. I called Discover customer service, and they informed me that I have done everything to qualify for the offer but do n't know why I have n't received it. They told me I had to put a ticket in with their marketing department and it would take 4-6 weeks to resolve. Discover Bank seems to be taking an excessive amount of time to post deposits to make interest off of the " float. '' In addition, they are not following through with the bonus offer that customers agree to. These are unacceptable business practices and consumers should be aware.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK
State: AR

Complaint narrative:
XXXX I use discover card to get XXXX tickets they cancel they won't put credit back on card please help me thank you XXXX Arkansas XXXX that's my address call me

Company response to consumer: Closed with explanation