vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
My Discover Card connect to an account I had removed it from. However, it was charged without my knowledge I was thinking I still had a XXXX balance after paying off XX/XX/2016. 
Since I never received my statements from Discover I was n't aware of a balance. Discover let this balance, past due balance and other charges continue to accumulate late fees and finance charges for months without trying to make other contact. Whatever the initial charge was of less than XXXX -dollars from what the CS told me. The bill was now {$260.00} before they finally called my grandmothers house to speak with me about the delinquent account. They let this bill go until it had accumulated over {$200.00} in fee. My grandmother spoke to them in XX/XX/XXXX and paid them the total due. Later she inquired about the charges and was told the charges were late fees and interest since XX/XX/2016. I have no knowledge of what was charged to this account that led to the fee. My grandmother ask them to mail the previous statements this is my first time seeing any of this. They sent nothing showing me the initial charges. My mail for this now goes to my grandmothers address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have had a Discover Card for some years now, so today I received the following email from Discover Card : '' Important Information about your AccountFrom Discover Card Customer ServiceDate Received : XXXX/XXXX/2015 XXXX PMDear XXXX XXXX, Action Needed : A recent account review indicates that your income information may be outdated. We are required by federal regulations to have your current income on file in order to service your account and satisfy your future credit needs. Please take a moment to update your income. 
Your privacy is very important to us. As always, we will keep your information secure. 
Simply click here to update your information now. To update your income in our Mobile App, log in and select " Profile & Settings '' from the menu and select " Account Profile '' from the sub-menu. You can also call us 24 hours a day, 7 days a week at XXXX. 
We appreciate your business and the opportunity to be of service. Thank you for choosing Discover. 
Sincerely, Discover ( R ) Card Customer ServiceIMPORTANT INFORMATIONYou are receiving this e-mail because you are a Discover Cardmember. 
Please do not reply to this e-mail as we are not able to respond to messages sent to this address. " So, my question is : WHY is there a federal regulation requiring me to tell Discover Card my annual income? And guess what, I am breaking this regulation, because I wo n't be giving Discover Card my income - PLEASE PROSECUTE ME, PLEASE PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA

Complaint narrative:
I applied for a payday loan in 2013 for {$400.00}. I had paid back most of the loan until they started taking the payment XXXX or XXXX a week. I contacted my bank & put a hold on my account. I never heard anything from ACE until a year later stating that there was still a balance on the loan. I have attempted twice to clarify this situation.I paid someone representing ACE {$500.00}. To clear up this matter. Now I am receiving threatening emails. Claiming they are going to have me arrested. They are going to report this to the credit bureaus. I will have to go to court and pay additional fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
Today, XX/XX/XXXX, I contacted Discover Financial Services ( " Discover '' ) to inquire on the undisclosed " fees '' that were appearing on my billing statements since XX/XX/XXXX as " fees charged ''. I was advised by Discover that this was an " optional product '' that acts as insurance in the event that I were to lose my job, become hospitalized, death, etc. Never was I informed of these fees and, not to my surprise, Discover 's representative advised me that there is no future open enrollment. Thus, Discover indicated and acknowledged that these " fees '' and this billing practice is false and misleading and in violation of UDAP. These hidden fees have never been accompanied by any explanation or any election of renewal or declination.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
My attempts at securing a travel rewards credit card with DISCOVER were a joke. 

They requested proof of address and proof of social security coverage. I submitted a statement from XXXX insurance with my proper address on it. 

At the same time I submitted a page from US.gov.socialsecurity with a copy of my social security card at the bottom. 

When I called to verify the receiving of this information, I was told that the social security card was too dark and that the XXXX statement did not have a date on it. 

Because I am visiting family away from home I was attempting to secure this card before I have to pay off some large upcoming bills. 

This was very frustrating. I began by trying to submit the documentation electronically via computer. The DISCOVER card system only accepts certain types of files, not including WORD. Attempts to try to convert to these files were unsuccessful. So the next step was going to the local library to make copies of the above mentioned files. Next was a trip to XXXX to pay {$2.00} to fax this information to DISCOVER. 

I had spoken to a person a few days before and they assured me that my documentation would be acceptable. Now after running around to try and provide acceptable documentation, I am told that what I submitted is not acceptable. 

The irony is that I have outstanding credit and DISCOVER has just lost a very serious customer who had planned to use this card as my primary credit card. 

CONGRATULATIONS DISCOVER! You just alienated a loyal potential customer. Your loss. There are other companies that want my business. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover credit card has been ignoring my requests of providing documents to justify the percentage of its reward program. I responded to 10 % XXXX Friday offer on purchase made at XXXX. I purchased XXXX tires totaling in {$370.00}. I was expecting 10 % of the reward, however, it was never given to me. 

XXXX of Discover contacted me on XXXX, but he failed to follow up, nor provide any explanation or reward to my account. I contacted Discover card against, they told me that I was credited {$1.00}. How {$1.00} is related to {$370.00} purchase? Discover initially told me that XXXX offered 5 % instead of 10 %, even so, 5 % of {$370.00} is {$18.00}, not {$1.00}. 

This company has been cheating me out of my reward money. 

In addition, Discover had mis-handled my dispute request. It was {$10.00} dispute, Discover initiated as {$750.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am making efforts to pay down my credit card by paying more than the minimum balance. For the last few months I have been monitoring my bills. There is a one month delay between paying down the highest balance ( cash advance ) and it appearing on the bill. When I receive the bill, I am being charged interest on the balance that is shown -- before the pay down -- and not the actual balance. I have made several calls and have confirmed that the money payed beyond the minimum charge is going to this higher balance. However, when I ask about why I am being charged interest on the amount before it was payed down, I get no clear answer and no one will confirm that the interest charged in on the new, lower balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK
State: DE

Complaint narrative:
Discover Financial Services was attempting to contact me regarding the balance on my credit card account on Saturday XXXX XXXX, 2016. During the attempt to contact me, the debt collector that was working on behalf of Discover Financial Services somehow contacted my estranged husband without my permission. Bottom line, the debt collector revealed confidential information about my personal debt to a third party that has absolutely no business concerning my personal debt. I learned this when my estranged husband contacted me to insult me. I 've never given consent for Discover to contact any third party on my behalf, let alone go as far as to tell a third party about my financial debt.. I called to complain about the incident and I sent a written complaint to Discover on XXXX XXXX 2016. In my written complaint, I requested that my complaint be escalated to the highest officer in order to conduct an investigation of the actual conversation that took place between my estranged husband and the debt collector. The phone call would serve as proof that a violation had occurred. As of XXXX XXXX, 2016 Discover has yet to respond to my complaint. I know my rights and certainly this is a direct violation of my rights and the ( FDCPA ) prohibits these types of practices. I 'm filing this complaint because I want other consumers like myself to be aware of such practices. Also, I would like for Discover and their debt collectors to be less naive in their attempt to collect information about a debtor via an unauthorized third party. In my case the actions of the debt collector caused more harm than good because my personal information was given to someone that does not have my best interest at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
As noted in the letter CFPB Case No. : XXXX, An offer was made to pay XXXX. However. Im rejecting this offfer on the grounds that I should have never been asked, to assume a debt of XXXX, ther card was issued to me with a debt of XXXX i was coierced into assume the debt by a discover rep who told me that discover would attach a lein on the property that I inherited, my credit report still shows a charge off of XXXX. I recently received a collection letter from XXXX to collect a debt of XXXX If Im offered a settelment to pay XXXX why does my credit report still reflect the the amount of XXXX. Im asking that you remove all references of this from my credit history with all XXXX major credit credit reporting agencies.I will excercise all my rights as a consumer in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I was having Discover checking account which i closed during XX/XX/2015. But i am still getting emails from Discover Bank with various promotions and advertising their services. Worst there is no way i can unsubscribe to these emails as there is no unsubsribe link in the the emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
While recently checking my credit report it is showing that I was late with my mortgage payments in the years XX/XX/XXXX and XX/XX/XXXX. I am disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
Today I discovered a charge called " Payment protection '' on my Discover Card transaction list. The charge must have been going on the card monthly since I have had it because it shows up throughout my transaction list. I look into what this " fee '' is and I see that it covers me if I ca n't make payments. I have my payment auto-deducted and I 'm sure that I have paid way more than three month 's worth of payments in the form of this fee. No one ever asked me if I wanted such a fee and they keep charging me with it. How much money have they been teasing out of my account through this " fee ''. Too much I 'd say.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: American Credit Financial
State: TX

Complaint narrative:
I have had repeated calls about a debt I owed. They have called several of my family members telling them I have XXXX fraud charges being filed against me and I needed to call to get my court date. I called them and asked them to send me some information and that I was n't going to pay them until I could validate the debt. They said I had to pay that day or they would file civil charges against me for fraud. The next day the " legal courier '' called me to let me know that she had an order in her office to file charges. I told her I did know about this debt and that in past 4 years they have never sent me any paperwork saying I owed a debt. She told me to call back and get the paper work I needed. All they calls were made with a no caller id on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
While I have been making my payments to my Discover card, they have and are still withdrawing funds from the incorrect bank account, which have caused me a total of XXXX overdrafts, cost me {$320.00} worth of fees from the bank ( which the bank has reimbursed ) and {$75.00} returned check fees from Discover which they have not reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY

Complaint narrative:
We had a lot of debt with credit cards etc and were sold a plan with Global Solutions and XXXX Law firm to consolidate our bills. Up until that time we were never, ever late on a payment. Due to illness we thought by consolidating we could pay less monthly and pay off the debt. What we did n't realize was that they would take all their fees up front before ever negotiating with the creditors causing our credit rating to slump and even getting a judgement. On top of that after only a few payments they raised the monthly payment to over {$1000.00} for a year. Then XXXX of the creditors forgave a large amount which resulted in receiving. A XXXX tax form so we had to pay {$4200.00} to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
been with discover 20 plus years good customer i have no doubt they will respond with a script. they have putnotes on all my accounts essentially disbaling me from getting any help on any of them or interest refunds. Racial profiling of sorts. i will not put up with it. i tried to see if apayment was scheduled on XXXX and to handle the ending offer. so i can avoid interest. i called at XXXX friday XX/XX/XXXX was told to be transferred to XXXX that i could get no help in CS cust service. that is not a way to treat anyone. i cant do business here, wont. but i certainly wont go without knowing if a payment is scheduled or how i can avoid itnerest next weeki will not put up with this. will not. i have no answers. but am being discimrinated against. no customer should have to only deal with one person for issues. not sure who why or when people put notes on my accounts i want them. asap. i was told by one supervisor he would remove them but they are there. so i am done with disocver and just want to know how i can avoid itnerest on XXXX and if a payment was shceduled if i get a late response i will pay nothing. how DARE you treat me this way? XXXX XXXX. if you dont like that i ask for interest bar me from using them. this is no way to treat anyone. no other bank has before. In fact i have reported this conduct here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Miller, Stark, Klein and Associates
State: AZ

Complaint narrative:
Leaves voicemail daily on cell phone, does not identify who they are or where they are calling from, uses threating tactics that a complaint has been filed against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: DE

Complaint narrative:
My home is currently up for sale in XXXX. We moved to our new home in XXXX, and discovered someone is using our XXXX address to obtain credit cards from XXXX XXXX, XXXX XXXX and Discover. XXXX and XXXX XXXX denied this person credit ; however, Discover mailed a credit card in the fraudulent name to our mail box. We think this person comes by our vacant home and checks the mailbox for creditor responses. Our USPS was notified of our move ; however, only some of our first class mail is being forwarded. I hope you can provide advice. Thank you very much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I found a hard inquiries on my credit. These are XXXX, XXXX, Discover Bank, XXXX. I have a concerned that somebody stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Gitsit Solutions, LLC.
State: CA

Complaint narrative:
To whom it may concern, I am writing this letter in regards of a recent credit check that I submitted and received. I am very concerned regarding an Adverse Account that was created by KONDAUR CAPITAL CORPORATE. This is a former mortgage loan I had in 2013. 

According to the credit check history, it shows a XXXX day past due payment for KONDUAR CAPITAL CORPORATE. I highly disagree with this information and its accuracy. I have paid on time since the loan commenced on XXXX of 2013, with the exception of the last month ( XXXX 2013 ) due to the loan was in the process of refinancing with a different mortgage company. The last payment was due on XXXX XXXX, 2013 and with a grace period to XXXX XXXX, 2013. The entire loan including the month of XXXX was ultimately paid off in full on XXXX XXXX, 2013. The pay off included a late fee of {$30.00} dollars was added to the invoice of XXXX and was also included in the payoff that was sent by the company that was refinancing my loan. 

In addition, all payments sent to KONDUAR CAPITAL CORPORATE was sent from XXXX XXXX XXXX XXXX a program that is directly enrolled to my bank account. This account has been sending the stipulated funds to KONDAUR CAPITAL CORPORATE on time. It should be noted, the original lender was XXXX and it transitioned to KONDAUR CAPITAL CORPORATE. Not sure if that had anything to do with it but according to my statements, all payments were made and received on time accept for the aforementioned month. There should be not derogatory information of a XXXX day past due from KONDAUR CAPITAL CORPORATE. The first month of XXXX of 2013 was paid on time and the last month of XXXX 2013 was paid off with the total amount of the full loan amount on XXXX XXXX, 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR

Complaint narrative:
Ace Cash Express, Inc. REFUSED to honor coupon attached to loan contract for {$20.00} off fees when redeemed by due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT

Complaint narrative:
My mortgage lender has not paid my property taxes and I now have a warrant against the property. They have not received a payment from them since XXXX 2015. Next payment was due XXXX 2015. I sent my lender a deliquient letter and they said it would be paid within two weeks. Two months go by and that 's when I received a warrant from the XXXX. I 'd like to know how to proceed and it it possible to change lenders. I have absolutely no trust in them and they are clearly mishandling my mortage payment that I send to them on time every month. This lien goes on my credit and I 'm at risk of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eltman Law, P.C.
State: CA

Complaint narrative:
Agency is trying to extort monies, harassing friends, statue of limitations has prevailed,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Meridian Financial Services, Inc.
State: AZ

Complaint narrative:
meridian financial is trying to collect a debt for maintenance fees they are saying are from XXXX XXXX XXXX club which was discharged in chapter XXXX no asset bankruptcy XXXX/XXXX/13. Because thus was a no asset Chapter XXXX, I was released of all debts and obligations under the " XXXX XXXX '' ruling by the supreme court. they are saying they are for maintenance fees after the backruptcy however I was relieved of the obligation of the membership with the discharge of chapter XXXX.

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