vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-07 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: DISCOVER BANK
State: OK

Complaint narrative:
Discover credit card had send me several offer saving that there is no fee for transfer balancing. Once I applied for credit card and did my first balance transfer that was not the case and I was charged with the balance transfer fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: RI

Complaint narrative:
Continuation of CFPB complaint XXXX

Discover Card has now taken retaliation steps in regards to the complaint recently filed against them referenced above.  After I filed the initial complaint, the company closed out my checking account which was in good standing.  I am absolutely disgusted that the response to a consumer protection complaint is to further harass and take discriminatory action against the consumer.  

I sincerely hope that the CFPB can rectify this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 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: FL

Complaint narrative:
Hello, I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt of a small house in the country. The only problem with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt ''. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan ... denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing what I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do n't believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate ... the proof is there. I have contacted other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
My available credit shown on line was not accurate and caused me to have a transaction declined which was for auto parts needed in a timely manner. I was informed by Discover 's chat representative that it is a result of how Discover posts payments. Payments are showing as available credit online before they hard post to the account. I have XXXX other active credit cards, XXXX which updates credits once the payment hardposts and XXXX the day the payment is scheduled and not tied to posting. Discover 's practice is deceptive and should be systematically fixed so that a customer has accurate information available to them. In this particular case, I would not have attempted to use the card if the credit was not showing as available. The chat rep indicated that apparently the gap is from XXXX pacific to sometime the following day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVER card member since XXXX. Paid off balance after about 5 years. Restarted using card thereafter. Failed to notice exact time we were receiving double charges for " purchases '' and " cash advances ''. We have never used any credit card for cash advances. Contacted DISCOVER numerous times throughout the years, received no satisfaction, only excuses. Early this year XXXX XXXX ), we were finally notified to contact their Fraud division. In telephone conversations, Discover Fraud found in our favor and sent us a letter stating so. No remedies have been applied to our account despite the letter. 
Unfortunately for us, we do not have the original account bill when/where the error first occurred. We believe it to be an encoding error that has cost us literally XXXX in interest charges. We have complained to Discover representatives on numerous occasions to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have been targeted by Racketeering & Identity Theft Fraudsters who have stolen my exempted social security XXXX income at a XXXX XXXX Bank by Malicious Prosecution in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 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: FL

Complaint narrative:
My son took out a total of {$120000.00} in student loans with Discover Financial beginning in XXXX through XXXX. I was his cosigner, since this was the only way he could be approved to borrow money to further his education. Being this was my XXXX child to attend college and we were never educated on the negative impact private student loans came with, we now owe Discover {$170000.00}. The loans came into repayment in XXXX XXXX ( with over XXXX in capitalized interest added to the principal of the loan ). The monthly payments my son is required to pay are {$1600.00}. He is unable to afford these payments since he also is paying Navient student loans and federal loans ( which are both affordable ). I am also unable to afford to pay the Discover loans because within the past few years I got divorced and now my income is not sufficient enough to afford {$1600.00} per month. We have contacted Discover time and time again begging them to renegotiate the loans and make it affordable for us to make payments. We are not deadbeats and want to make payments, however they wo n't budge or offer us any reasonable alternatives. We were advised by them that until the loan defaults 6 months they wo n't help us. I do n't understand why a company wo n't help out the people that have good intentions to pay until they have ruined your credit and harassed the XXXX out of you. If my son was able to get the dream job that his college degree is in ( XXXX ) there would be no issues. But since the XXXX XXXX XXXX has changed their hiring procedures and now they hire people off the streets instead of from a prestigious school like the one my son went to, he is suffering with mounds of student loan debt and no opportunity to work in the field of his degree. Please help us - what can we do to get Discover to work with us and reduce the principal of the loan, reduce the interest rate and renegotiate the terms to extend the life of the loan so we can begin making affordable payments. I believe they overlend to students who are desperate for a good education and then they bully you with exorbitant interest amounts added on which increases the loan making it unaffordable. They want to ruin our chances of ever being able to make affordable payments because nobody will even consolidate that amount of loans. We are in a no-win situation with them. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: DISCOVER BANK
State: IL

Complaint narrative:
DISCOVER BANK ONCE AGAIN IS IN VIOLATION OF FDCPA AND TCPA ETC ... HAS SUBMITTED UNLAWFUL LAWSUITS TO US AND HAS ONCE AGAIN AUTHORIZED COLLECTION AGENCIS TO HARASS US. THIS DEBT BELONGS TO XXXX XXXX XXXX, XXXX AND EX FAMILY MEMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 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: CO

Complaint narrative:
My stepdaughter, XXXX XXXX XXXX, rented an apartment in XXXX, Oklahoma XX/XX/2010. She listed me as the co-signer but I never received the co-signer agreement, neither by USPS or fax. I repeatedly asked rent recovery solutions to contact the apartment representative regarding the lack of an agreement signed by me. They never came up with one and I said that I therefore should not be held responsible for this debt. They have never followed up with a correction, that is, my NOT being responsible for this debt since I never signed anything!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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: Stuart-Lippman and Associates, Inc
State: NV

Complaint narrative:
I was sent a collection notice by Stuart-Lippman and Associates for a debt or over four years ago. I do not have any knowledge of these alleged debt. Furthermore I was a customer of the original creditor XXXX for years at the same time I was supposedly to have owed this alleged debt and was never notified by them. On XXXX/XXXX/XXXX I was notified by the above referenced collection agency that I owed {$270.00} with XXXX as the original creditor. I contacted XXXX to be informed that I was being charged for not reporting the sale of an automobile to them in XXXX of XXXX. I dispute this to the fullest measure. They allege That I did not make a payment and after two months canceled my policy. After all the cancelation fees were added up it was {$270.00}. Again I was a customer of XXXX for years and was never notified of this alleged debt. I was only notified after I canceled my policy with XXXX due to moving out of state.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover Bank is trying to sue me in court for a Discover Card that has incorrect balance, we have asked many times for a complete listing of all charges and balances but have never received any of them. The balance is way above the card credit limit and is not valid. Please contact the debt collecting law firm XXXX , XXXX XXXX XXXX at XXXX xt. XXXX to stop this unfair lawsuit at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: DC

Complaint narrative:
Hello there - My payments have been mostly steady over time ; I chalked up minor fluctuations in the minimum payment to be the consequence of my own tendency to pay different amounts toward my student loans each month ; some months, I had an extra {$20.00} or {$40.00} to put toward the loans, so I did. I have only ever paid more than the amount due, be it {$2.00} or {$50.00}. I assumed this was why my minimum payments occasionally jumped by {$10.00} or {$15.00}. I did n't think much of it. 

However, upon logging in to make my payment this XX/XX/XXXX, I saw a {$100.00} spike. After conferring with a friend, I discovered that I was required to re-certify my income in order to maintain my current repayment plan. But FedLoan Servicing had 'notified ' me by sending a message to my account on their website, a small and unnoticeable section of a portal I use exclusively to make payments. It was akin to posting a sticky note on the community bulletin board in XX/XX/2017 - not only does no XXXX use bulletin boards, but a small sticky note posted among the decade-old XXXX newsletter felt deliberately deceitful. 

Now the interest has capitalized and I 'll suffer the consequences of XXXX 's failure to notify me of the need to recertify. It was either a lazy attempt to notify me or deliberately deceitful. XXXX is too weak an adjective to describe FedLoan servicing 's failures. Would it have been so difficult to send an automated email regarding this? An automated follow up?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am writing on behalf of my teenage son, who just turned XXXX and was a student at the University XXXX XXXX Florida in XXXX. He stopped going to school temporarily until he could decide what he wanted to study. He knows he owes the university money, but he received absolutely NO communication from the school regarding his debt, not even a notice that his debt would go in to collections if he did not submit a payment. 

My son was first contacted by PHONE from the XXXX XXXX XXXX collections agency of XXXX, NY. This was his first ever dealing with debt and neither I or his mother were home to advise him. Instead, the company told him over the phone they needed his credit card number and to pick a date to start taking money out of his account. About a week later, on or about XXXX XXXX, he received a debt collections letter and a few days after that they removed {$360.00} fro his bank account. 

I am upset with the University XXXX XXXX Florida for failing to contact my son FIRST to try to make an arrangement to pay. There were no letter sent to our house, no phone calls made to alert my son they were going to send his debt to collections if he did n't make a payment. 

Both the University XXXX XXXX Florida as well as the XXXX XXXX XXXX XXXX XXXX ( ConServe ) took advantage of my son and did not provide him with an adequate opportunity to make arrangements to pay back the university. Furthermore, the collections cost on his {$3300.00} debt was {$1000.00} -- approximately one-third of the cost of his debt. NO credit card company, no mortgage lender, no bank I know of levies a 30 % penalty on debt, especially without attempting to make an arrangement to pay. 

The university should be ashamed of themselves for this practice. My son simply did not know how to react and this is his first " real world '' challenge as a young adult.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Elite Financial Services, Inc.
State: IL

Complaint narrative:
repeated calls threatening me and involving my child who is a minor. They will not provide me with complete information. Phone calls are harassing and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC

Complaint narrative:
I had a individucal, that i gave a check to to build me a brick mailbox. After getting the check he did not show back up. I called him several times, and he would say that he was coming back out but did not show up. After 2 weeks we cancelled the check. 4 days later the individual cashed the check with ACE check cashing company. The company continually calls my wife and wants us to pay for the cancelled check, because the individual wo n't return the money. Im now getting calls from XXXX from someone claming to be XXXX XXXX with XXXX, XXXX, and XXXX. Threaten to sue for a {$170.00} check cashed the individual with ACE Check Cashing in 2012.

Company response to consumer: Closed
Consumer complaint received 2016-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP
State: CO

Complaint narrative:
XX/XX/2016, I notified Selene Finance ( Mortgage Holder ) that I would be doing a short sale in which I also requested cancellation of debt. Per Selene Finance, I submitted ALL Selene 's required documents to include my financial information in which I questioned the necessity since I was NOT asking for a loan modification. Selene gave a deadline of XX/XX/2016, to submit a sales contract. On XX/XX/2016, XXXX ( Realtor ) faxed Selene Finance a signed sales contract along with ALL Selene Financial required documents. Upon checking the status, Selene keeps stating they did n't receive a document ( each time a different document ) and each time XXXX has faxed claimed missing documents NUMEROUS of times. Last status check, XX/XX/2016, yet again, Selene attempted to have not received particular documents ; however, with XXXX tenacity, Selene informed XXXX they have all the documents required yet the review would not be completed until XX/XX/2016, which is unacceptable. It is unquestionably clear of Selene Finance attempt to undermine the sale of my property and this is not unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
In short I had a mortgage with a coborrower in XXXX ... in XXXX that mortgage was modified into a mortgage with that coborrower by herself. In XXXX I filed a BKXXXX and in XXXX I received a discharge. Rushmore Loan Management took over servicing the mortgage in XXXX and has been reporting to the credit bureaus that the mortgage is mine, open, and delinquent. I faxed them the attached letter on XXXX/XXXX/XXXX and they are supposed to respond within 30 days and have not done so. I had an attorney send them a letter and again no response. All the while my credit is being ruined by them for an account that is not mine anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
I renewed the loan and the employee made an error and now I am being harassed by the company stating that I have XXXX loans which I was never told about until I stated receiving calls and threats. The vice president stated that if I do not pay due to their employees error that it will negatively affect my credit. I have the paperwork that states that my loan was paid out due to renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 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: VA

Complaint narrative:
I took out a payday loan expecting it to be a decent amount that was owed back. The interest rate was too high and at this time I am a student that is unable to set up a payment plan with the loan company. Today I received a threatening phone call saying that i had an order for my location, and that I would be arrested. It scared me, so I contacted the court house they claimed I had a case with and there were no records there. Also, I went online to make sure there was no warrant or such for a failed loan. The bank account that I used back in 2012 when I received the loan has since been closed because it was almost over 4 years ago! They are harassing me saying that I committed a crime of sort. When I have done no such thing. I had an email sent a few months ago that I responded to explaining to them that I would not be able to pay the funds at the time. Unfortunately Im not sure what else to do, and Im not sure If I am legally in trouble or what is going on.

Company response to consumer: Closed
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wilson, Riley & Associates
State: CA

Complaint narrative:
Wilson Riley and Associates keeps contacting me illegally. They are trying to reach someone else. They have left me intimidating phone voicemail messages with a case #. I 've told them repeatedly they have the wrong person and they refuse to stop harassing me. I am reporting them every place I can find!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I had financial difficulties in XX/XX/XXXX and filed for bankruptcy. I was not able to make the mortgage payments in the agreement and the bankruptcy was discharged XX/XX/XXXX. The Lender Rushmore Home Mortgage LLC proceeded with the foreclosure on XXXX XXXX, XXXX the day before auction I filed again for Chapter XXXX. Through an inheritance I now had the reinstatement amount due of approximately {$130000.00}. I then instructed my attorney to dismiss the case so I could pay back the reinstatement amount due. The dismissal was official XXXX XXXX, XXXX. I immediately called and left a message with XXXX XXXX XXXX regarding the procedure and reinstatement. I have XXXX XXXX emails XXXX/XXXX/XXXX stating, she received my voice mail and " I have requested the fees and costs for the Foreclosure. Once received I will forward. I have attached the wiring instructions to wire the funds. '' XXXX XXXX, XXXX subsequent email from XXXX XXXX states : " the reinstatement will be not completed until XX/XX/XXXX due to the foreclosure fees and costs. '' The next XXXX/XXXX/XXXX email states : I am sorry to say the foreclosure sale date was completed yesterday and the property reverted to the investor. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: FL

Complaint narrative:
Third party escrow company collected my money for attorneys fees, legal fees, admin fees prior to any of my debt being resolved with a credit card company,

Company response to consumer: Closed with explanation