vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Card has stolen {$2800.00} from my bank account and not returned it in over 6 days XXXX so far XXXX. 
Details:1. My XXXX cycle closed on XXXX. I paid the balance in full on XXXX. I have " DirectPay Full Balance '' scheduled to pay the full balance from my checking account about 5 days before it is due. That automatic payment date was XXXX, but the XXXX balance was {$0.00} at that point. 
2. On XXXX Discover informed me that my account XXXX have been compromised and that they were sending new cards with a new account number. 
3. On XXXX Discover debited my checking account for the balance on my account for charges from XXXX to XXXX, which was {$2800.00}. 
4. I spoke with Discover customer service on XXXX. They admitted there had been a mistake on their part and that the {$2800.00} would be returned to me. They offered to mail a check or do a wire transfer. I requested a wire transfer and was told it took 3-5 days. Calls to Customer Service on XXXX and XXXX produced excuses that it was being processed and would take a few more days. It is now XXXX and Discover still has my {$2800.00}. 
5. It is fortunate that my checking account was not overdrawn by Discover 's " mistake ''. I can see how forthcoming they would be making that problem right. 
6. When I make a payment from my checking account on my Discover account, it takes less than a day for the transaction to complete. For Discover to make a deposit into my checking account and have it take over 6 days should be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: PA

Complaint narrative:
Each month for the past three months, the " current payment due '' as listed on my account summary page on XXXX has not matched the " current payment due '' on my monthly bill ( PDF ). I did n't realize the discrepancy the first month, so I submitted the " current payment due '' as listed on my account. Several days later, I got a message posted to my online account notifying me that my student loans were delinquent because I had not paid the correct amount. I immediately paid the delinquent amount ( i.e. the difference between what was listed as current payment due on my billing statement versus the current payment due as listed on my account summary online ) to avoid a negative impact to my credit rating. However, this has happened now for an additional two months, so I finally called FedLoan customer service where the representative told me that this is a " known issue '' and they have their " IT guy working on it ''. As she explained it, apparently this is an IT issue that is causing the two " current payment due '' amounts to not equal each other. Understanding that data issues are troublesome, I am submitting this complain because this issue has persisted for at least three months at this time and is causing other borrowers ( such as myself ) undue confusion and has the possibility to negatively impact our credit. As this is apparently a known issue that has yet to be unresolved, I would expect that FedLoan Servicing would notify borrowers of this known issue to avoid confusion ( at minimum ). However, this has not happened so my hope is that this complaint will educate other borrowers of FedLoan Servicing 's current IT issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lloyd & McDaniel, PLC
State: KY

Complaint narrative:
I received a Discovery Request dated XXXX XXXX, 2016 from Lloyd & McDaniel representing XXXX. They claim I had an account with XXXX, formerly XXXX and owe a debt. There is no record of that on my credit. I have spoken with their agents several times and they have advised me that they do n't have to provide any proof of the debt and a debt does n't have to be on my credit to be valid. I filled out and sent in a fraud packet in XXXX, but they said their client rejected it.

Company response to consumer: Closed
Consumer complaint received 2016-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I was a victim of identity theft and over the past 2 years have been trying to get my credit back to being mine and not that of the person who stole it. I have over the past 2+ years submitted a police report to the credit agencies and those account holders only to have things still showing on my credit report that do not belong to me. I have been victimized for far too long and I do n't feel it is fair for me to have to pay an Attorney when I have done everything I can to get those items that are not mine off of my report. This has terribly affected my credit and I have lost so much and been inconvenienced so much because of this and I am tired of begging to have my life and credit back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
Last year I was contacted by several companies about an online business opportunity. XXXX of the companies that called me was XXXX XXXX XXXX. XXXX XXXX contacted me by telephone and I paid them {$10000.00} for a business entity set-up, tax consultant, tax preparation service for life, business credit development and credit account manager. After paying them for these services they set up a XXXX corporation ( I live in XXXX ) and I have disappeared. I have not been able to get in touch with them since. I have left numerous messages and they never return my calls. I now realize that this was most likely part of an online business scam and I am reaching out to your organization for help having Discover dispute these charges using claims and defenses. This company has not provided their services I purchased and I want my money refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I am XXXX, behind on my mortgage, and so requested a modification in XX/XX/XXXX. I have completed the package and tried numerous times to send it in via XXXX XXXX XXXX ( Provided by Mortgage Company Ocwen ) for the last 2 days. All attempts failed. 

Last night I sent it in via my XXXX account. I have called Ocwen ( XXXX ) and can not as of Friday ( XX/XX/XXXX ) XXXX XXXX. CONFIRM RECEIPT. I spoke to XXXX ( Em # : XXXX ) and she advised me that she sent an e-mail to my " Loan Modification Specialist. " In calling today, I was for the first time alerted to the fact that my house is to be auctioned on XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX offered a {$100.00} gift card when applying for aDiscoverXXXX Card. I clicked on the link, applied and compliedwith the requirements. The requirement was to make XXXXpurchase with the card within 3 months. It did not say thatthe purchase had to be with XXXX. After a few months, Icontacted the bank, and they said they knew nothing of theoffer. I contacted them again and the management saidI did not apply for the right card. XXXX denied anyknowledge of the offer, although it was on their website. 
I would not have applied for the card, but for the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK
State: TX

Complaint narrative:
I originally took out loans through XXXX Bank for my education expenses that my federal loans did n't cover. These loans were later sold to Discover. Discover has since continued to increase my interest rate so that my monthly payments continue to increase making it harder to pay down the balance. A few months ago my payment was around {$680.00}. On a good month, when I had a little extra money, I 'd pay {$700.00}. Then they upped my interest rate and now I have to pay {$700.00}. This is not the only student loan I pay. I pay so much towards my private that my federal payments are {$0.00}. Despite my good salary, I am just barely making ends meet. If they up my interest again, I wo n't be able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime
State: AZ

Complaint narrative:
I had a five year loan with Drive Time, I did XXXX deferments with them. I had a few late payments, although I did send extra money. My loan was supposed to be paid off on XXXX XXXX, 2016. According to their records, due to late fees, my loan was to be paid off by XXXX 2016. I was in the process of buying a home, and I wanted to get this loan paid off. I paid it off, I gave them XXXX dollars XXXX, then XXXX dollars more on the XXXX. My Mortgage lender had emailed me and said they had lowered my credit score. I could n't get approval for a loan for the house. I called Drive Time and tried to figure why that happened. They kept telling me it was late fees, but I knew I did n't have that many late fees. Then on XXXX XXXX, my daughter got on the phone with Drive Time and we tried to reason with them, but they would not listen. I feel they did me so wrong with effecting my credit score that I was unable to buy a home. I feel everyone should know about Drive Time, how unfair they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect
State: NJ

Complaint narrative:
I recently reviewed my credit reports and discovered that there are XXXX ( XXXX ) accounts in collection on my credit report from a company named AMERICOLLECTS Inc. of XXXX, Wi. Looking further at these XXXX items they are collecting for their client XXXX XXXX XXXX. Neither myself nor my wife XXXX XXXX have used the services of this XXXX XXXX. I am not a guarantor for any bills except my wifes. All of my XXXX children are adults and I am not responsible for their bills either. 
I have received no correspondence of any type from either XXXX XXXX XXXX or AMERICOLLECTS Inc. They just decided to report my name to the XXXX credit bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: AA

Complaint narrative:
I made a purchase of {$500.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: IA

Complaint narrative:
My mortgage servicing company ( Dovenmuehle, or DMI ) reported my mortgage as being paid for less than owed, despite the fact that it was a Veteran Affairs ( VA ) backed mortgage. As such, the VA paid the full amount to DMI, and DMI did not end up losing money on the property. The full loan amount was paid by the VA. 

Consequently, DMI should not file a negative note on my loan, stating that it was settled for less than the owed balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: IN

Complaint narrative:
I had a debit from my doctor and i couldnt pay it so they forward it to AMERICOLLECT, this bad company didnt just place the collection for the amount, they split it into XXXX collections to harm my credit and force me to pay it, i called them and i asked to pay each one separately as they posted on claims, i would pay XXXX and they would remove it i said, they refused and they wanted me to pay for the whole thing. 
i do n't know whats going on and how they are able to twist the law like this, for XXXX claim they separate it into XXXX and refuse to settle each XXXX separated as they posted, i believe there is no control on these companies who abuses the collection laws.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been a long standing customer with Discover Card. I called to make arrangements for a lower interest rate or to set up a hardship payoff. I was told they could not offer any assistance and that I would need to go through a credit counseling company or that I would need to allow my account to go into a non-payment or default status prior to them helping me. I have always made my payments on time and I think it is ridiculous I am paying XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I escrow my homeowner 's insurance, which was due on XXXX/XXXX/2015.The check from my mortage company arrived XXXX/XXXX/2015. I had to pay {$660.00} of my own money to keep the policy in effect ( which my insurance company will now refund me ). My morgage company ( XXXX XXXX XXXX XXXX uses XXXX ) representatives have been very nasty and unhelpful. They claim that they never got a bill from XXXX XXXX XXXX before XXXX/XXXX/2015. XXXX XXXX said that they sent bills on XXXX/XXXX/15, XXXX/XXXX/15, and again on XXXX/XXXX/15 which they then paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Valley Credit Service, Inc. (OR)
State: OR

Complaint narrative:
On XXXX/XXXX/XXXX Valley Credit called me about debts they claim I owe At first they said the amount was {$5000.00} then it was {$49000.00} then {$3400.00} then {$4000.00}. this number changed this much during a 20 minute call. Because of their inability to to come up with a firm number I requested copies of ALL documentation of the debts. 
During this call they finally claimed that XXXX was the right amount. And I made an offer of {$3500.00} to settle their claims, which they accepted. As part of the agreement I was to receive copies of all documents, so that I could look thru them to verify the debts were in fact mine, as well as adding them up to come up with a real total. It was agreed that they would send the paper work out as soon as possible. I would go thru it and we would talk on XXXX/XXXX/XXXX after i had time to look at the paperwork. 
As of today XXXX/XXXX/XXXX I still have not received the paperwork, so I called them on XXXX/XXXX/XXXX @ XXXX to inquire about the paperwork. the lady I talked with ( XXXX ) at first said none of this was in their notes then put me on hold. When she came back she said that she found notes on the settlement but NOTHING about me requesting the paperwork and that I had until XXXX/XXXX/XXXX to pay or the settlement would go away and I 'd owe the whole amount. When I requested she move the settlement date and send me the paperwork she stated that they do n't have some of it, but they had some judgements when I asked for copies of those she stated " We dont send copies of those if you want them go get it from the courthouse ''. and 'We can provide a list of the amounts you owe but we do n't have the original paperwork because some of these are as far back as XXXX. she ended the conversation by telling me I had til the XXXX or the settlement would go away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: WA

Complaint narrative:
This company is scamming off of innocent people who just want to buy a car and improve their credit. First, they do not allow you to choose a car, they give you the one on the lot in the worst condition. for example, I purposely stated that I did not want a XXXX and that is the only XXXX they would let me have. I have since found out that the car is worth only {$200.00} and they charged me {$11000.00} for it with a 34 % interest. Since I bought this XXXX XXXX XXXX a year ago I have had to replace, the starter, the engine, the CAT, the ERG valve, the wheels, the tires, fix the alignment, complete new brakes, the heat and A/C do n't work, etc. The engine light is on even after their " mechanics '' claimed to fix it ... twice. The majority of what is wrong with the car is NOT covered on their horrible warranty. I have put over {$4000.00} worth of repairs into this car. I would like to also add that they have praised me for having perfect credit with them but yet the first time I was 5 days late on a payment the disabled my starter and would n't take even a partial payment to turn it back on, suffice it to add that I was willing to pay the full payment in 6 days but they refused to cut me any slack.They are charging me {$400.00} a month for a piece of garbage. I tried to trade it in 4 times and all said I was " upside down on the car '' which means I owe more than it 's worth. I AM looking into legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
I recently changed my name ( for personal reasons, not marriage or divorce ) and moved. While I understand the security risks, Discover says that they can not issue me a new card even though my name and address have been changed on my account. Essentially, the information on my account ( in the computer system ) has all my correct information but Discover wo n't issue me a card reflecting it. They ask me multiple choice questions based on public record but my answers are apparently wrong. They keep saying someone will call me to follow up but no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover bank requires a SSN to open a checking account and does not allow the use of an ITIN. Spoke to multiple agents who all said that I simply would not be able to open a checking account ( despite having a credit card and savings with them ). 
It also states on the bottom of the application that they need either of the XXXX, not necessarily a SSN : " Important Information To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify and record information that identifies each individual and entity that opens an account. 

What This Means for You - When opening an account, we may ask you to provide your name, address, Social Security Number or other Taxpayer Identification Number ( " TIN '' ), and other information that will help us to verify your identity. You may also be asked to provide a driver 's license, state ID card or other identifying documents. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover bank is not honoring it 's promotional bonus of {$300.00} for a new checking account. I have met all the requirements as outlined in the terms and conditions of the offer below. I have contacted Discover regarding the bonus on multiple occasions including both telephone and email. Their initial response confirmed my eligibility of the offer. Their subsequent responses denied the bonus to my account. My efforts to obtain this bonus through Discover directly have been exhausted. The offer terms are included below, which have ALL been met : XXXX Offer Code : XXXX Open to current Discover credit cardmembers or deposit customers, excluding current or previous CashBack Checking customers. Account is subject to approval. To receive {$300.00} bonus : 1 ) account must be opened between XX/XX/XXXX-XX/XX/XXXX using offer code XXXX ; and 2 ) at least XXXX Direct Deposits of {$250.00} or more must be received within 90 days of account funding. Direct Deposit transactions are limited to : payroll, Social Security, pension, and government benefits. Bonus will be issued as a credit to your account within 30 days of completing all requirements. Account must be open when bonus is issued. Limit XXXX per customer per account. Bonus is considered interest and will be reported in IRS Form XXXX. Offer may be modified/withdrawn without notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have few student loans from XXXX XXXX. The XXXX XXXX loans from them was on XX/XX/XXXX, XXXX XXXX loans was on XX/XX/XXXX. But based on Equifax 's credit file my loan starting dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am attaching the letter that I received from XXXX XXXX that shows the loan dates and amounts. I requested EQUIFAX to investigate the accounts but after 30 days they bring the conclusion that everything had been reported accurate. It 's a clear violation to FTC rules. Please ask them to remove the in accurate accounts to remove off my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I Try to get my free credit report for Equifax It tells me all the time I can only request it by mail and not online because they ca n't identify me online. 
This is very strange because Equifax lets me purchase for money my report on their website and they identify me perfectly, but when I try to get a free copy it never identifies me. 
I just feel that because it 's free they make it hard for me to get it, but when I pay for it, it works perfectly fine.

Company response to consumer: Closed with non-monetary relief