vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
Currently Discover Credit card is running a promotion. Customers who use XXXX with discover card can earn a 10 % cashback on all eligible purchases. The exact terms and conditions are " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. See Cashback Bonus Program Terms and Conditions for more information. '' I have made some normal purchases through discover with apple pay. However, I have received emails saying that your XXXX purchase on XXXX for $ XXXX at XXXX included a gift card. The gift card portion of your purchase does not qualify for the 10 % Cashback Bonus ( R ) promotion. 

As a reminder, now through XXXX XXXX, 2015, you 'll earn an extra 10 % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX, excluding gift card purchases. 

If you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. You can send documentation via email : Scan and then e-mail to XXXXXXXXXXXX My purchase did not include any gift card. And I am required to provide evidence for that. However, under the terms and conditions for XXXX Cash Back, it is not stated anywhere that customers are required to keep receipts in case discover suspects it is gift card purchase. Hence, I did not keep any of my receipts associated with apple pay purchase. And I have nothing I can show to Discover. Moreoever, I feel that, Discover is violating their own terms and conditions by asking customers for receipts, because they did not ask customers to keep the receipts in the first place. Moreover, the voices that I have heard over the Internet suggests that Discover is just randomly flagging purchases of large amounts as gift cards, and request consumers to provide receipts in order to honor the cashback. This is extremely unfair to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Someone created a secondary bank account in my PayPal account. For nearly a year and a half, this person has been syphoning money in small increments to avoid detection from my PayPal account to his/her XXXX account for a total of XXXX dollars. I attempted to resolve it with PayPal and after offering to tally up the total and refund the money, they called days later revoking that offer and giving me XXXX dollars saying that LEGALLY they could only go back six months. I was legally advised to contact you all in order to weigh my options on how to get my money back. I 'm a XXXX that was heavily affected by this robbery, so please help in any way you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
My mortgage loan was sold to Pennymac Loan Services 5 years ago due to my total loan amount being less than {$50.00}, XXXX. They have been harassing me by calling me every single day, several times a day! Recently they have been charging me a {$15.00} monthly fee to " have someone drive by my home to make sure I still reside here ''. ( Pennymac is based in XXXX XXXX, CA and I live in Oregon, so they claim to have hired someone local to drive by ; I have never been personally contacted by this alleged person ) I have called them in the past to inform them of my hardship situation, but they have told me after speaking to them that this information I provided will NOT stop the phone calls and it has not! Therefore, I see no point in speaking to them since it makes no difference whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
What part of " accounts open '', do n't you understand? 

XXXX lists XXXX " This account is scheduled to continue on record until XXXX XXXX '' XXXX " This account is scheduled to continue on record until XXXX XXXX '' XXXX lists XXXX Closed XXXX XXXX XXXX Closed XXXX XXXX BUT XXXX lists XXXX Open and no deletion date. 
XXXX XXXX and no deletion date. 

If you are reporting to all XXXX ( XXXX ) Credit Reporting Agencies as you say you are. Why do only XXXX ( XXXX ) have the correct information. If these are closed, it must be stated as such. If you were to say " considered closed '', that has no validity without a date of closure. 

XXXX has a common practice of doing things all on their own. If there is no date of closure, XXXX will leave these in my report indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions
State: OK

Complaint narrative:
company charged me with a debt that I do not owe, it is an internal accounting error by reporting company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
My current mortgage company ( Dovenmuehle Mortgage ) is holding way too much money in my escrow account and is giving me the run around on running an analysis and refunding the overage. Our current escrow balance is over {$8500.00} and they 're continuing to take out {$610.00} per month towards our escrow account. Our taxes and insurance are n't due until XXXX 2017 and total {$6700.00} for taxes and {$600.00} for insurance. They 're collecting enough each month to pay for both by XXXX, yet wo n't refund us the huge overage. We 've called and faxed and written them several times over the past two months and still nothing. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: DISCOVER BANK
State: IN

Complaint narrative:
I went to the University XXXX XXXX and have student loans through Discover. I have recently contacted them to get a lower monthly payment since they want more money than I pay in rent. The told me I could split my payment which is not helpful. Then the executive at Discover told me to contact a lady that specializes in repayment and I have yet to get a phone call back, not to mention the fact that I get XXXX phone calls a day harassing me for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stuart-Lippman and Associates, Inc
State: PA

Complaint narrative:
Stuart Lippman located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX keeps contacting me regarding debt that is not mine, nor in my name. I have repeatedly asked them to stop phoning me and they continue to call. I have told them that it is illegal to continue to keeping bothering me about someone else and to please remove my number from their list. I was told they can continue to contact me even though I am not the person they are trying to reach.

Company response to consumer: Closed
Consumer complaint received 2015-04-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: SC

Complaint narrative:
Discover close my account on this XXXX. I have XXXX cash back and redeemed as staples gift cards. However, I did't receive XXXX dollars gift card and contacted discover on XXXX. The agent told me it need to take 6-8 weeks to investigate. Ok and then I wait and contacted them lately ( more than two months ). The agent just told me they wont replace it and XXXX specialist would contact me in 24 hours. Unfortunately, no one contact me again until I called back. Told me discover made a decision and not replace that to me. I see a bad customer attitude company here and I wan na everyone know how discover treat this customer. I requested to have my XXXX staples gift card back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Miller, Stark, Klein and Associates
State: TX

Complaint narrative:
Miller, Stark, Klein , & Associates contacted me about an alleged debt from XXXX XXXX. They made statements such as pre-legal, civil action, advising their client to move forward. Seemingly in an attempt to imply that they would be taking civil action against me for this alleged debt. They stated that the alleged original debt was with XXXX XXXX for a XXXX card. I have no current delinquent debts reflected on my credit report. Any such debts aged off of all XXXX of my Bureau reports last year, making them in excess of 7 years old. The statute of limitations in my state is 4 years. After a brief search of the Texas Secretary of State database, I found no registered debt collectors under the name they provided me. The Texas finance code states that anyone attempting to collect a debt in the state of Texas must be registered with the Secretary of state. In addition to this, if this is a valid debt, they are attempting to collect on a debt, via scare tactics, by threatening or implying legal/civil action on a debt that is well beyond the statute of limitations in my state. 
They are leaving a call back telephone number of XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Miller, Stark, Klein and Associates
State: WA

Complaint narrative:
I have been contacted by several companies regarding a XXXX XXXX account from several years ago. The first time I was contacted by the collection agency ( XXXX XXXX XXXX ) I paid the balance and received a paid in full letter. Over the past few years I have been contact by approximately XXXX-XXXX other agencies regarding the same debt. Each time I tell them it has already been paid and either email or fax the paid in full letter, only after being threatened and degraded in an attempt to collect. Most recently I was contacted by Miller Stark Klien and Associates by a woman named XXXX about the same debt. I immediately told her it had been taken care of for over two years and she asked me to email her the letter showing it had been paid with another agency. I emailed it within minutes and asked for a confirmation of receipt which I did not receive. My husband was contacted about it a few days later.

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 2017-01-23 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: IL

Complaint narrative:
I had discover student loans. I refinanced them with XXXX. XXXX sent them the check for the refinance on XXXX XXXX 2016. Discover cashed the check on XXXX XXXX 2016. The money never posted to my account. Discover says although they might have cashed the check, they can not locate the funds therefore they can not do anything about it. XXXX has sent check images to prove the check was sent and cashed but discover still say that it is not their problem. They are not doing anything to resolve the problem. They will not talk to XXXX about the issue. Discover still says I owe about XXXX dollars when my loan through them should have a {$0.00} balance. I have called them almost every day since XXXX to resolve the problem. I keep getting pushed around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CT

Complaint narrative:
I 've been receiving numerous robocalls, hang-ups and a few calls where caller does n't ID themselves, where they 're calling from, who they are and the nature of their call. These calls are fro XXXX, Discover, XXXX XXXX. I 've been saving the calls on my cell phone. I finally sent out cease and desist letters but now XXXX XXXX Bank has begun calling. I 'll be sending them a letter as well tomorrow -- certified/return receipt requested. 

XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
Discovercard XXXX XXXX at XXXX XXXX did n't ID where calling from, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX am did n't ID where calling from. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX, XXXX XXXX at XXXX XXXX & XXXX XXXX. 

These are just the calls that I kept track of. Most are robocalls and since this is a cell phone under the XXXX government cell phone plan, I do not appreciate it. I am filing for bankruptcy and these people call XXXX times a day?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
We are receiving XXXX - XXXX calls a day ( XXXX XXXX XXXX ) asking us to call Discovery - Discover card with NO explanation whatsoever We have complained to Discover Card TO NO AVAIL, calls persist every day. 
In our XXXX, XXXX continues at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am still having problems filing a loss mitigation package with my secondary mortgage holder. The amount that is owed to Discover Bank is less than 8 % of the value of my home and less than 23 % of the available equity of my home. I have attempted to settle with them due to loss of income since XXXX of 2015. This is the second time I am filing a complaint against them. Each time I send the information they request they come back with missing information needed. When I request that they inform me of all missing information needed I supply the missing information then I receive another communication from them informing me I am missing more information. This has been an ongoing issue with them. Now they want to see Bank information from my XXXX children who I happen to be a secondary signer on their account. They are not associated with my mortgage in any way, shape, or form. They have not given their signed permission to release this information and I have informed Discover of this fact. They are now threatening to close my request for a loss mitigation package. Let it be known that Discover has consistently been unreasonable with their request for information, and they are only the secondary mortgage holder on this property. Our Primary mortgage holder settled with us last year with not issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
I do not recognize this account it is not mine and needs to be removed as my identity has been stolen and this is a result of identity theft I have included a copy of my police report and a copy of an identity theft affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
In the year of 2013, I recieved a discover card. A car was rented on this card and it exceeded the balance of the card which was XXXX. I gave no consent to allow this charge and yet I was charged with it. Now on my credit report it states that I went over my limit 150 %. I am disputing the charges with the rental car company. I feel that discover hurt me more than helping. Someone help me. Discover also said that evn if i paid the balance in ful that it would not be removed from my credit report. I dont know what to do but I do know that this is illegal. I have contacted the XXXX as well. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: MORTGAGE LENDERS OF AMERICA
State: PA

Complaint narrative:
after 1 month was told I needed to refi my loan at no cost to me. Then was told they would add the cost to my loan. then received inter office mail that the papers were not filled out properly to sell the loan. Then found out they sold the loan without us fixing the paperwork. Got different mortgage co. After almost 2 months still have not gotten my escrow moneys. I called and was told they sent it to the home I was renting before the home they issued a mortgage to. Nothing but lies

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I received a targeted offer from Discover bank to receive a {$300.00} bonus however after fulfilling the terms of the offer, they would n't give me the bonus and stated that I was not part of the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: WA

Complaint narrative:
I have been working with my lender regarding a loan modification. I have provided and supplied all documents upon request and the lender has confirmed receipt of all documents. Now, XXXX day prior to the foreclosure sale I am being told that they do not know yet if my sale will be postponed as they have not yet determined all documents are there although they have acknowledged that the file is complete as of XX/XX/2016. All my homeowner bill of rights are being violated as I am not being provided with a significant opportunity to obtain loss mitigation options to avoid the foreclosure and have done everything possible on my end to attempt to do so. I also believe it is illegal to foreclosure on my property when I am in an active loan modification with my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
My issues with DFS/ Discover Credit Card came about from a simple inquiry and upon making that inquiry and array a very unpleasant situations took place and I am a very wary and unhappy DFS- Discover Credit Card member. IMO, DFS does not does not document ( provide documentation ) that is sufficient enough for those who chose to use their CC. Back in XXXX to XXXX, I found that I was not issued ANY statement AT ALL- there are 4 months of ZERO documentation, not even a electronic message- NOTHING that provides information in regards to card activity ( or lack thereof ). Granted YES, I understand that due to inactivity, some CC companies/ financial institutions will opt for not providing a statement, however ; I do believe that this needs to be stated prior OR should be CONVEYED to the credit card holder in the membership terms and agreements documents. DFS has failed to do so. Furthermore, upon viewing various statements- there are simply charges that DFS will indicate as ( ONLY ONE EXAMPLE ) - TRANSFER BALANCE- MISC. I am writing this because, I WILL NOT BE PAYING DFS- DISCOVER CC for such " items ''. I have contacted DFS SEVERAL TIMES about this problem- I have also brought this issue [ PARTICULARLY, the FACT THAT IT IS QUESTIONABLE TO ME WHY I WOULD HAVE 4 MONTHS OF STATEMENTS THAT ARE NOT RECORDED/ DOCUMENTED ] up when speaking with the Customer Advocacy Executive , XXXX- when speaking to him in regards to the first complaint that I had issued to the CFPB. According to XXXX, DFS- Discover Credit Card is not OBLIGATED to provide statements, and furthermore, informing DFS members prior/ or in the Cardmembership agreement is not really their responsibility- this is of course, what I personally, got from his wording during our conversation. I have the entire phone call between XXXX and I recorded, however ; due to the fact that I had informed XXXX that I would be recording our conversation, and him responding by clearly stating that I did not have his permission to do so- his response will just have to be up to debate between him and I, since this is essentially just TWO people hearing/ saying one thing, while the perception of that one thing can ultimately be up for debate. I am going to end this by stating that I WAS COMPLETELY UNAWARE THAT ONE SIMPLY INQUIRY IN REGARDS TO ME ASKING DFS TO KINDLY LOOK INTO A MAXIMUM OF A TWO HUNDRED DOLLAR DISCREPANCY, COULD TURN INTO SUCH AN ORDEAL. I am reaching out to the CFPB for its assistance, unfortunately, I am having difficulty trusting DFS/ Discover CC yet I am unable to cancel my account because I AM afraid that ALL OF MY DOCUMENTATION WILL NO LONGER BE ACCESSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: DC

Complaint narrative:
Discover Credit Card, XXXX XXXX XXXX, XXXX, NC XXXX, raised the minimum amount due without notification. When I called to see why, they offered me the opportunity to discontinue using their card by closing the account, thereby, the amount I was paying would be owed until the card was paid off. The next bill reflected the new rate amount. When I called, I found that they had scammed me by stating the new amount had to be paid and the credit card had been closed. I sent them a letter of dispute. Meanwhile, the next bill came yesterday and it reflects the new rate with " include past due amount '', with a warning of a {$35.00} late fee and the APR will increase.

Company response to consumer: Closed with monetary relief