vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
In XX/XX/XXXX, I performed a balance transfer to Discover Card with a creditscore of approximately XXXX. XXXX months later Discover has issuedan 18.99 % interest rate. My credit score is now XXXX. I have XXXX creditcards, of which XXXX I cancelled ; A gold card XXXX with a balance of {$470.00} with unlimited purchase, a XXXX card with a balance of {$780.00}. 
I have another active and initial purchase range to {$17000.00}. 
Amex/Costco card with purchasing up to {$14000.00}, a balance of XXXX. 
After I inquired about the high interest rate, Discover sent me anemail on XX/XX/XXXX stating it had increased my credit limit an additional {$3100.00} ; and in an initial conversation stated it would lower my futurepurchases to 16 % +. I declined! In the initial offering for a balancetransfer, it stated the interest would be XXXX to XXXX. One might expect with nearvery good to excellent credit, the lower rate would apply, and anythingwithin theupper limits might apply to anyone with alower/riskier score. After numerous conversations to ascertain whymy interest rate was so high and having a present credit score of XXXX, what was the rationale that warranted the high interest juxtapose to the10.99 %. Discover sent me another email with thesereasons ; % of balances is to credit limits is too high on revolvingaccounts ; Too many accounts with balances ; Proportion of loan balances toloan amounts is too high.Yet, Discover is willing to increase my credit limit an additional {$3100.00}. Obviously my credit score and Discover 's desire to lend me morecontradicts these assertions. After you have read this, if you need. I have the email sentadditional information is needed, please contact me. I have the emailfrom Discover regarding the credit card limit increase, etc. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 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: PA

Complaint narrative:
for the last year I was paying about {$470.00} dollars on my loan. The minimum payment was initially {$460.00}. I also paid a few times in the amount of {$470.00} to give myself more buffer room. I did this under the impression the amount was being applied to the principal. But now I find out that the amount was being applied to next months payment. They call it paid ahead. I do n't understand how this paid ahead works. If I am paying extra on my loan every month then it should be applied right away and not used as a credit for the next month. My loans were given to me by Discover Student Loans and are serviced by XXXX XXXX. I just would like to know What I have to do to pay more. It does n't make sense that If I pay more that my minimum payment does n't stay down over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: DISCOVER BANK
State: SC

Complaint narrative:
I was scammed. I took a {$2500.00} cash advance on my Discover card. I was skeptical but I sent the money to the scammers. They then payed off the {$2500.00} on my Discover card & told me to get another {$2500.00} cash advance. I called Discover to see if they could put a hold on any cash advance untill the scammers payment cleared the bank. They said there was no way to do that, I would just have to check back to see if it cleared yet. The next day, the scammers said they talked to Discover & got it cleared. I called Discover and they said yes, the payment had cleared. Discover had lied, the payment had not yet cleared. The scammers put a stop payment on it later. Because Discover lied about the payment being free & clear I believed the scammers were telling the truth. I took out another {$2500.00} cash advance because the first advance was payed off free and clear and could not possibly come back to me. I sent the scammers the {$2500.00}. They paid it off once more and my balance dropped to {$0.00} again. The first {$2500.00} had been paid and Discover said it was free & clear ( this was a lie ) so I believed these people and got another {$2500.00} cash advance. So I should have ended up with a {$2500.00} balance plus {$120.00} cash advance fee for a total of {$2600.00}, which I had the next day. One day later my balance was {$5200.00}. the next day my balance was {$7800.00}. I called Discover and said because they lied to me about the payment being cleared when it had not yet cleared that I was only liable for {$2600.00}. They insisted I owe them {$7800.00} because there was stop payments made on the payments. I said if stop payments were made then you lied to me about the payment being free and clear and that makes Discover card responsible for the {$5200.00} not me. They disagree.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
First thing first they have a account on my credit report twice for the same amount and then telling me that it is valid without validating the debt. The company has been permanently closed and no longer in business and they are trying to collect a bogus debt. Rent Recovery for the amount of XXXX is listed on my XXXX account twice and they are telling me that it is legal. I contacted an attorney yesterday and if it is not corrected and fixed I am going to sue to the fullest extent of the law. I will not stop until it is corrected and fixed. I will be contacting the attorney general and the federal trade commission this has caused me so much stress and they fail to address it or correct it. How is reporting something twice for the same amount legal when I do no owe anything. I want it investigated and deleted this is not the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: DISCOVER BANK
State: GA

Complaint narrative:
They have been notified that I receive student loans and they are trying to garnish my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX sent a bill that was not supposed to go to collections to Americollect. I informed Americollect via FAX, email, and paper mail that 1 ) I am disputing the fact that the bill had gone to collections with XXXX XXXX XXXX XXXX, 2 ) I wanted debt validation, and 3 ) I wanted them to cease any attempts to collect this debt. Americollect failed to respond to any of these requests. Furthermore, XXXX of their agents attempted to collect a debt by contacting me at my personal cell phone number at XXXX. I filed a complaint with XXXX and XXXX about this issue and Americollect sent the attached letter as a response. Yesterday, I received another debt collection letter from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I disputed an account from rent recovery and asking for more information and proof of the account.there was no document sent to me to validate the debt or the balance. Which is odd

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I applied for a loan with Discover to consolidate some debt at a favorable interest rate. My application was based on the credit scores I have received from Discover. I was denied ( credit score was quite different ). However the reason sighted and given over the phone does not matched up to the information I received from the company on a monthly basis. My expectation was that the loan should have been approved. Most of the reasons given were generic, especially since I had paid of the balance of most of my cards. I also have paid my debts on time for years and the only delinquency involved the company not receiving the payment on time due to nondelivery. Also, most of my accounts I have had for years. Again the credit score that was sent to me on a monthly basis. I believe the company is either misrepresenting the information it sends to their customers or illegally profiling due to location.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: Finance of America Holdings LLC
State: MA

Complaint narrative:
Applied for a Reverse Mortgage at Urban Financial Of America. Send in every document that was needed to complete the process. The loan officer XXXX XXXX mention to me.he did not know how to work on a purchase reverse mortgage but the company will complete in a.couple of weeks. This was the first week in XXXX. They waited the last minute to do the appraisal. The company asked me XXXX separate occasion for the same documents. I spoken to various levels of commands in the company still nothing. My identity was stolen 2 years ago.submitted the police report and other documentation of that incident. They were fine with that. I was told at 2 weeks ago that I had to pay for half of the appraisal. If I was told.in XXXX it would have been done in XXXXEverything Received the Good Faith Estimate in XXXX. I signed all documents and returned them. Conference calls up my Broker and Urban Financial Of America. UFA makes excuses at the last minute why they missed the call. 
I am a very frustrated consumer. I NEED your HELP. I do n't want to lose this property. I want settlement no later than Wednesday, XXXX XXXX I do n't want to loose this property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
My son is a college student who acquired a credit card with Discover about a year ago. He attended a wedding ( out of town ) on XXXX XXXX. He had told me then that he would not be able to make the credit card payment on time. He really struggles to make his payments on time. I had no money so I advised him to pay it late as he always pays in a timely manner. On XXXX XXXX at XXXX my phone rings. Caller id discloses it is Discover Financial I do not answer. At XXXX the phone rings again. Discover Financial so I answer. The woman asks to speak with my son. I tell her he is a college student and is not home. Well she says she can speak with me, am I his spouse? No I answer, I am his mother. Well she says he is probably at work so what time can she reach him? I again explain he is in college and does not live here. I also ask her why she is calling me at XXXX as I am aware she is calling about his unpaid bill. How late is it I ask two or three days? I found out later from my son payment was 5 days late at that point and these people were calling at XXXX about it. I also inform the rep that I believe it is illegal for them to call me before XXXX. She assures me they start working at XXXX so it is OK. She understands how I feel! No I told her, not really - you issue credit cards to college students who struggle to pay them on time and then you call and harass them for money when they are two or three days late on their payments. I told her if she really understood how I feel she would leave the building because I felt like dropping a bomb on it! I also asked her to stop calling my phone as I pay the bill and my son lives at XXXX University. My son later also told me they have his cell phone number but never call it. The rep told me they have no other way of contacting him except my phone number. I replied " well you have plenty of time to call me at XXXX maybe you can use some of that time to hunt him down! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient took over a false parent plus loan from XXXX, which XXXX applied for in my name after I was denied without my permission and/or authority. In speaking with XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which Navient and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Last year I set up an automatic ACH payment with a vendor ( XXXX XXXX XXXX ) to be made to my bank ( Discover Bank ). I recently cancelled the service with the vendor. I requested that the vendor cancel the automatic withdrawals. I advised my bank NOT to honor any further ACH payment requests from this vendor. However, in spite of my written and verbal requests, the bank continues to honor these unauthorized ACH payment requests and continue to pay the vendor long after the service has been cancelled. I have repeatedly requested that the bank stop and they refuse to do so. I am not concerned about PAST payments - that money is gone, but I would appreciate if they would STOP payments in the future. This should not be that difficult to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXX my mother in law died she had no living relatives to bury her. She had XXXX insurance policies signed over to the Funeral home XXXX/ XXXX XXXX . They took every penny. The funeral was priced at around XXXX. Being a widow I did n't not receive one dime of the proceeds. I took the budget funeral pkg. I do n't know what happened to the money, but I went to XXXX for the arrangements because they had received XXXX in a pre burial arrangement prior to XXXX XXXX demise. The next thing I found out was XXXX XXXX has transferred the arrangements to XXXX. There was always something shady about XXXX. I tried numerous times to contact him to no avail. Whatever transpired between the XXXX funeral homes is not my responsibility. The problem lies in the accounting and bookkeeping with them. I owed nothing before or after she was buried, well over {$20000.00} dollars went somewhere. The burial plot, cemetery fees etc were all paid for. I guess XXXX XXXX is the collection agency. This is true information no scam. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC
State: CO

Complaint narrative:
I purchased a car using Coastal Credit LLC. I lost my job and fell a little behind. 43 days to be exact. It was n't even XXXX payments, it was XXXX and a half payments behind when they repossessed the car. It 's been just under a year and I 'm trying to make payments. I have paid {$120.00} a month for the past 3 months in which they are taking. I called them to get a bill mailed to me and they said the payments I 'm making are n't enough and they are taking me to court. They also said I could pay {$120.00} a month for the rest of my life and never pay the debt because it is going straight to interest. So basically, my {$11000.00} loan is going to haunt me forever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I made payments XX/XX/XXXX & XX/XX/XXXX. When i checked my account from Navient i can not see the two payments in the account summary which i always check everytime i make payment. I send them an e-mail and question why i did not see those payment but they gave me an answer like they put it as a refund ( do n't know what it means ) I did n't receive any refund check. Then they told me to skip XX/XX/XXXX which i did. When i paid XX/XX/XXXX the same thing happened it did not appear in my account summary, instead it appears that I am delinquent. I called and ask but no clear answer to my question. On XX/XX/XXXX i am due my payment but i feel like not making another payment until the issue is resolved, on the other hand i do not want to be delinquent. All payments are done online. I am the parent and this is my Parent Plus Loan for my XXXX boys. XXXX graduated XX/XX/XXXX and XXXX graduating XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
The bill for my Discover card clearly stated that my payment was due XXXX XXXX, 2015 ( see the attached ). On XXXX XXXX, 2015 at approximately XXXX XXXX Central time, I called the customer service # ( XXXX ) and used the automated system to enter my account #, the payment info, and my checking account information. The confirmation message said that the payment would post " on XXXX XXXX ''. Since the payment was due on the XXXX and I paid it on the XXXX, I was concerned. I managed to connect to a customer service representative ( CSR ), who said I was supposed to have done the payment before XXXX EASTERN time. I pointed out to the CSR that this part of the deadline does NOT appear anywhere on the statement! 
She said their policy is to waive the late fee, and to remove the trigger that would cause my interest rate to increase, but ONLY because I questioned it immediately. 
XXXX issues of concern / questions:1. Is it LEGAL for them to have a SECRET cutoff time? I.e., a cutoff time that they do not show on the monthly billing statement. I.e., they literally say " Payment Due Date XXXX XXXX, 2015 '' and " Late Payment Warning : If we do not receive your minimum payment by the date listed above .... ''. But they do NOT tell customers that it 's only XXXX XXXX Eastern time on that date!!! ( see the attached copy of the statement I received ) 2. Is it LEGAL for them to then charge late fees and impose increased interest, because customers fail to complain about the SECRET CUTOFF TIME? 
It seems to me that this falls under the heading of things like " bait and switch '' and certainly goes against the intent of the consumer protection act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
On Saturday XXXX XXXX, 2016, I tried to make a payment online to my sister 's credit card and this card is Discover Card. The account number ending in XXXX and I tried a couple of times. It kept on saying something like " Sorry we ca n't process your payment. Please try again at a later time ''. In short, I did n't get a confirmation number that the transaction went through. Yesterday XXXX XXXX, 2016, I called Discover Card customer service cause I saw XXXX transactions from my bank account that was in process for the amount of {$250.00} dollars. I wanted them to reverse XXXX of the payment but they kept on saying that they needed to get approval from my sister cause I was not on the account. Today XXXX XXXX, 2016, my sister and I had a three way call and they would not admit that their online had taken my money without letting me know. Instead, they said that on their end they have a confirmation number and this transaction is legitimate. I told XXXX with ID # XXXX that how can you have a confirmation number and I did n't get one. What I had was a screen that said to try again cause their online was having some trouble. All I wanted for XXXX to do was to reverse XXXX of the XXXX {$250.00} dollars back to my account. She said theirs nothing they can do because as far as she is concerned that they did n't have any problem with their system. I asked her, do you have any note that on Saturday XXXX XXXX, 2016 that your internet was having problems taking payments. She said they did n't have any problem with their internet. I told her that I spoke with XXXX with ID # XXXX who confirmed that on Saturday XXXX XXXX, 2016 had some internet problems and was very sorry that this had happened to me. 
My complaint and want to have done is for Discover Card investigated with this internet transaction that was done on Saturday XXXX XXXX, 2016. I told XXXX that this is a fraudulent act that Discover Card done to me because I was never informed that this transaction ever went through and yet my bank was withdrawn twice for the amount of {$250.00}. I never received any confirmation notice that you normally get after the payment have gone through in the internet. Please investigate this internet transaction because I do n't want any other victims experience the same thing what had happened to me with Discover Card. I want Discover Card be liable of this transaction and be hold accountable.

Company response to consumer: Closed with monetary relief