vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Called my XXXX father ad upset him ... who is not, and never has been listed as a way to contact me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have applied with Discover credit card on several occasions using the pre qualify link. Once you enter your information it comes back and says personalized offer for you. I have then completed the application to see if I qualify. The message then comes up denied. I then had a friend apply who has a much lower credit score than me and it still came back as this is the personalized offer for you. Once they applied it came back as not approved. I feel that discover is just getting people to apply while they already know the person will not be approved. This causes hard inquiries to post to individual 's credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
PARDON THE CAPS, BUT I HAVE JUST GOTTEN OFF THE PHONE WITH DISCOVER, XXXX XXXX EVENING EST. THEY HAVE CONTINUED TO BE QUITE DENSE AND AM AT WHITS END AND REALLY AT THE END OF MY ROPE HERE. I HAVE XXXX MAJOR DOCUMENT WHICH IS MY XX/XX/XXXX YEAR END SUMMARY OF EXPENSES INCLUDING ALL CREDITS AND DEBITS WITH ALL ACTIVITIES FROM XXXX PREVIOUS CARDS CARRIED OVER AS TRANSFER BALANCES, THE TOTAL REFLECTS THE AMOUNT OF {$12000.00}. THIS AMOUNT WOULD BE ADDED TO BE XX/XX/XXXX OPENING BALANCE OF {$5600.00}, I WILL NOT ARGUE THAT. I CALLED DISCOVER WITH THIS CASE AND THEY SAID GO BY THE PAPER BILLS, SO WITH NO LIGHT AT THE END OF THE TUNNEL IN SITE, I DID AND PAINSTAKINGLY CALCULATED ALL CHARGES FROM XXXX PAPER MONTHLY STATEMENTS AND CAUGHT AN ERROR/OVERSIGHT ( ATTACHED ). MY OFFICIAL TOTAL SHOULD BE {$20000.00} FOR XX/XX/XXXX, FURTHER LESS CONSIDERING I MADE PAYMENTS IN XX/XX/XXXX WHICH IS A INDISPUTABLE {$19000.00}. THEY WILL NOT RECEIVE ANY PAYMENTS NOR WILL I INCUR ANY PENALTIES UNTIL THIS ADJUSTMENT IS MADE AS I HAVE GONE OFF THE PAPER MONTHLY STATEMENTS. YOU WILL FIND ALL OF THIS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stuart-Lippman and Associates, Inc
State: NC

Complaint narrative:
I have been paying on a promissory note related to a settlement since XXXX 2015. I have never missed a payment. 

However, a collection agency, Stuart-Lippman and Associates, started calling me stating that a payment was not made, and that if I do n't pay the required amount, then, I will be in default, and they will start the lawsuit all over again. 

The person from Stuart-Lippman claimed that I had to pay {$790.00} plus an additional payment of {$620.00} for a previous month to consider the settlement not in default. If I did not pay, then, he threatened that the settlement would be null and void. 

Then, subsequently, when I said those numbers did not make sense, he pressed and said the balance was more than it was, and falsified additional payments amounts to pressure me into making payments that were not required. 

Under the note, the payments are only {$500.00} per month. When I said he was wrong, and that he is violating Consumer Protection laws by making false statements, he then, retracted his statements and basically agreed that it was {$500.00} per month. 

Though he has retracted what he meant, he was still previously pressuring me and providing false statements to entice me to pay a higher amount that was not required, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Today I received a phone call from a ( XXXX ) XXXX and it was a recorded message stating that they were calling to attempt to collect on a debt. I listened to the prompt and held on the line to speak to a representative. The gentleman asked for my name and account number. I advised him of my name and stated that I was not aware of the debt and do not have an account number. She states the last XXXX digits of my cell phone number and asks if I am aware of this account. I say that is the last XXXX digits of my cell of and he hangs up on me. So I call back and speak to another person and he states that the call was in regards to a debt with US Bank. I tell him that I have settled this debt with another collector as of XXXX/XXXX/2015 and have documentation to prove it. He states to call him back and his name is XXXX XXXX at ( XXXX ) XXXX ext XXXX. So the number and ask to be forwarded to him but I placed on hold for a very long time and do this twice. I called again and spoke to a lady and stated that I have the documentation to show that it has been paid. She expresses that once I served I can take that paperwork to the judge to have them dismiss it. 

I have never received any letters or previous notices from this company or the " law firm '' they claim to represent. So I called US Bank to see if they could be any assistance and they stated no because they sold the debt to another agency and to speak to the agency that I paid. At that point tried to call XXXX XXXX at ( XXXX ) XXXX. That number is disconnected and the website is no longer active. This is a XXXX time that I have been contacted by a agency or law firm regarding this debt. The last time was on XXXX/XXXX/2015 by XXXX ( XXXX XXXX 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
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: DISCOVER BANK
State: OH

Complaint narrative:
Ended up getting courts papers one day

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LUMINATE HOME LOANS, INC.
State: MN

Complaint narrative:
I am filing a complaint against American Mortgage and Equity Consultants, Inc of XXXX, MN for wrongfully influencing an appraiser 's opinion on a loan transaction. Page XXXX of the appraisal report, " addendum '', confirms the influence of the lender reads " ... so appraiser has opted to alter value per lender request. The newly reconciled value is {$200000.00} '' The appraisal report was completed on XXXX/XXXX/15 and then amended on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. The appraiser 's professional opinion was the home was valued at {$210000.00} with the support of XXXX comparables. The lender then required additional comparables to be added. The appraiser complied with their request and added an additional comparable ( comp XXXX ) to also support the value of {$210000.00}. This additional comparable adjusted to a value of {$220000.00} which is above the value that was originally justified. The lender again reached out to the appraiser and required them to reconcile value of the home within comp XXXX,XXXX or XXXX. The appraiser was unclear on this request, as am I as they are the least similar to the property and it 's the appraiser 's professional opinion to determine which comparable are deemed appropriate. As a result of the continuing pressure from the lender the appraiser then adjusted the value down to {$200000.00}, again " alter value per lender request ''. The appraiser did not provide any indication on where the value of $ XXXX could be calculated used the adjusted valued of the XXXX comparables within the report and did not provide any indication as to how the comps used could be weighed to reach this figure. The first page of the appraisal report confirms that Regulation Z will be met which is " no indication of bias, attempts to influence or intimidation, pertaining to any portion of the appraisal reporting process was transmitted from the lender to the appraiser through Guideline AMC ''. American Mortgage Equity and Consultants, Inc ( AMEC ) have clearly violated Regulation Z and influenced this appraiser to reduce the value of this home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
Further Violations include : Communication Tactics, Continued attempts to collect a debt I do not owe, Disclosure Verification of Debt, Threatening and taking an illegal action. 

Please also see CFPB complaint # XXXX XXXX/XXXX/2016 received a I received a collection notice ( please see attached ) from Credit Bureau Systems , Inc. in XXXX, KY dated XXXX/XXXX/2016 and addressed to XXXX XXXX XXXX, XXXX XXXX, KY, at XXXX XXXX XXXX, XXXX XXXX, Ky. The mail system is not that slow, however the internal process of the " Credit Bureau Systems '' procedures are less reviewed, however governed. This delay tactic illegally eats away at the consumers ability to dispute within the time limits afforded by the law. This is deceitful practices as according to FDCPA subsection 807 " False or misleading Representations '' as well as subsection 808 " Unfair practices '' I disputed this over the phone on XXXX/XXXX/16 ( less than 30 days from date of notice ) to XXXX XXXX agent of Credit Bureau Systems agent, as well as in writing on the same date. ( please see attached ) As well and also contrary to the above subsections the failure to provide the name and account of the original creditor, the threats to injure my credit by reporting it to the credit reporting agencies despite these deceitful methods ( as according to their agent ), actually following throiugh and illegally reporting it to the reporting agency along with a note that " consumer disputes this account information '' ( they accept I dispute, however failed to follow the mandates of the FDCPA for a dispute, maliciously damaging my credit and causing liability ), the deceitful statement of a " Patient # '' on their statement ( as though this debt has to do with a patient, rather than a utility bill ), their company title diceitfully alluding to them actually being one of the credit bureaus and their agent 's statement that claims would continue anyway, are contrary to the FDCPA or the law that governs your practices Please not that this account was supposedly opened with the Credit Bureau Systems on XXXX/XXXX/16 while notice was not created for about a month XXXX/XXXX/16 or mailed until another month after that. They appear to have an interdepartmental anomaly that every step in their procedure seems to take a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I always pay the full balance of purchases that I make each month when I receive my Discover Card. 
On XXXX/XXXX/XXXX I made a {$460.00} payment by phone to Discover Card so that my payment would be timely for the XXXX/XXXX/XXXX due date. I was given confirmation # XXXX. 
However on my next month 's statement Discover Card charged me a late fee of {$25.00} on XXXX/XXXX/XXXX. 
The next due date of XXXX/XXXX/XXXX I again paid my purchases of {$730.00} by phone on XXXX/XXXX/XXXX, I spoke with XXXX XXXX ( XXXX office ) and she gave me confirmation # XXXX for my payment. On XXXX/XXXX/XXXX Discover Card charged me a {$35.00} late fee plus {$15.00} interest for a balance that I paid timely. 
Discover Card continued to bill me for late fees and interest on the disputed late fees for every month thereafter. It has ballooned to {$130.00}. I wrote to Discover Card on two ( 2 ) occasions XXXX XXXX, XXXX and XXXX XXXX, XXXX and they have not replied. 
On XXXX XXXX, XXXX, I retrieved a credit report from XXXX and XXXX. My credit score went down due to XXXX negative entry posted by Discover Card. Discover reported that I was thirty ( 30 ) days late for the month of XXXX XXXX. I was not late. I paid the amount that I charged. I simply refused to pay the disputed late fees and interest. I have attached my statements and copies of my letters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: WI

Complaint narrative:
I am a victim of identity theft. Someone opened a Discover credit card in my name and used it to make fraudulent purchases without my knowledge. They also used my existing payment accounts ( i.e. XXXX, XXXX and XXXX ) to change my funding sources to the fraudulent card. Since I was n't aware this happened I unknowingly placed XXXX transactions on a fraudulent Discover card that was opened in my name. I reported fraud to Discover, filed a Police Report, and reported this to the FTC. Now that I have identified the XXXX transactions to Discover they have been harassing me to make a payment. I refused to give my checking account number to them and they kept pushing me to give it to them. They threatened me with having a past due account and they were reporting it to the credit agencies. They keep calling my house and I feel that they are being very unprofessional about my claim. I have not made a payment and will not until my case has been cleared.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MA

Complaint narrative:
A judgement was issued against me in the amount of {$9400.00}. 
I made contact with the debt collection company and came to a payment agreement of {$200.00} per month. To date I have paid {$1200.00} and have records of all checks. They indicate that my balance is now {$8900.00}. This implies that they have put {$480.00} toward the debt. I have documentation including bank records and receipts from the collector from all payments. The initial agreement nor the court documents make any mention of interest or anything similar, especially at a percentage rate that seems to work out to over 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, I faxed the attached FCBA dispute to Discover. Discover never acknowledged it by the mandatory deadline, or resolved it, as required by FCBA. On XXXX XXXX, XXXX, I contacted XXXX XXXX in Discover 's Exec. Office of Customer Advocacy about getting a {$50.00} refund, as required by FCBA. He never addressed my issue. In XXXX XXXX, I called XXXX XXXX in Discover 's Exec. Office of Customer Advocacy. He promised to follow up with XXXX XXXX. However, he instead left XXXX vague messages on my answering machine. On XXXX XXXX, XXXX, he sent me a letter, requesting " more information ''. XXXX XXXX had the " information '' he needed. XXXX XXXX ignored my follow-up questions as to whether he consulted XXXX XXXX, as he had promised. Discover has stonewalled for 7 months on issuing my {$50.00} refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My identity has been stolen to multiple credit card accounts. I was not able to list all of them in the theft details. 1 ). There are total of XXXX credit card accounts opened in my name. 2 ). My boyfriend 's identity was stolen and he told me my name and information was on these stolen accounts of his, and they had all my information. This is what prompted me to look into my credit report. 3 ). I went and spoke with XXXX Police Departments and they told me they could not file the report until I have physical documentation from the credit card companies and credit bureaus. 4 ). I 'm currently trying to obtain as much information as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: AE

Complaint narrative:
DMI Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX XXXX XXXX member XXXX, DMI sends only correspondence via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get overseas. I have given them my email over and over but they only refuse to speak thru official mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: DISCOVER BANK
State: NC

Complaint narrative:
This correspondence is not to be construed as in any way agreeing or admitting to owing any debt. 


In XXXX XXXX a Discover credit card was opened in my name and reported on my credit report. ( Acc # : XXXX ) XX/XX/XXXX was the date of last payment and the end of all activity on the account. As of XXXX XXXX, the account was listed as " closed/charge off ''. 

XX/XX/XXXX this item was removed off of my credit report because it was past the XXXX XXXX year threshold for reporting bad debts. 

XX/XX/XXXX I received notice from the Federal IRS that a XXXX form was submitted to them XX/XX/XXXX for the above listed debt- nine years after the date of last activity. 

The rules of issuing a XXXX form are clear. XXXX forms are to be filed NO MORE than after a 36 month nonpayment testing period expires. That non-payment testing period ended XX/XX/XXXX, and furthermore was past the statute of limitations ( For Wisconsin, where the debt was supposedly incurred ) in XXXX XXXX. 

I formally request that Discover Financial Services notify the Federal IRS that the XXXX form was issued in error and is to be withdrawn. 



Furthermore, in XX/XX/XXXX I attempted to contact Discover Financial Services about the inappropriately filed XXXX form and was transferred to an active collections department without my knowledge. In the state of North Carolina, which is where I reside the law is clear, and Discover Financial Services was in violation of : North Carolina Fair Debt Collection Practices Act XXXX XXXX XXXX. Deceptive representation. 

Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector It appears that what has happened here, is that Discover Financial Services has purposely issued an incorrect XXXX form with the intent to coerce payment through unconscionable means on a debt that is well beyond the statute of limitations. This also is in violation of : North Carolina Fair Debt Collection Practices Act 58 70 115. Unconscionable means. 


1 ) Seeking or obtaining any written statement or acknowledgment in any form containing an affirmation of any debt by a consumer who has been declared bankrupt, an acknowledgment of any debt barred by the statute of limitations, or a waiver of any legal rights of the debtor without disclosing the nature and consequences of such affirmation or waiver and the fact that the consumer is not legally obligated to make such affirmation or waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX previously reported that I had a medical charge for service in XXXX placed into collection. I challenged this record and I received notification that the XXXX XXXX in XXXX, WA erased that erroneous collection record from my credit report. Now Equifax has a record of a XXXX medical account in my name listed as in collection. I previously investigated and discovered the charge was from XXXX WA. I have not lived nor received medical services from anyone/entity in XXXX since XXXX. The record was supposed to have corrected and I just discovered that it still exists in error on my credit report. This has not been erased from my record and is very upsetting to me as I have never had any account turned over to a collection agency.

Company response to consumer: Closed with explanation