vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
In 2011 I left my XXXX husband. We had three months left on our lease and I stayed at home with my parents and paid the remaining three months. I also turned in my 60 day notice in XXXX of 2011 and our lease was up in XXXX. ( I paid XXXX, XXXX and XXXX rent ). I talked to the lease lady and she said I was all clear. After our lease XXXX XXXX signed a new lease and they did not take my name off and put in lease in my name without my permission! I found this out years later when Rent Recovery Solutions had a {$2500.00} collect charge. I tried calling XXXX apartments and they could not help because they were under new management. I called the old management company and they could not provide me any information on the lease dates etc. I have gotten this removed from XXXX and XXXX but it is still on my XXXX report. This lease was started without my permission and the charges are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I lost my job last XXXX so I was unable to make payments on my Discover card. Several months later I was working a temporary job and Discover contacted me. I made several {$120.00} a month payments so my account would not go to collections. I was told after my 3 months of payments that I would go back to a once a month minimum payment. They told me that I would need to set it up on my own online. I asked are you sure you just ca n't take it out now and they said no we can not do that you have to go online and set it up yourself. Well on the XXXX month like clockwork I notice of withdrawal from my checking account of {$75.00} that I did not authorize through Discover. I quickly called Discover and explain to them that they should have not happen at this is their fault and they told me otherwise. They told me that it does come out of your account without you setting it up automatically which was the opposite of what I was told. I explained to her that I just wrote a check for rent which is all the money I have in my bank account and now that 's going to overdraft. She felt very bad and called my bank and told them if they could stop it but they could not as I could not bounce my rent check or I would be charged {$300.00} in late fees by my landlord. I was also told that of my account with overdraft that they would take care of it. What they did was they added {$55.00} to my Discover account but because I 'm overdue my limit I ca n't do anything with that money because I 'm overdue on my card. Every time I call them to ask for help they can not help me they say that they added money to my account which I need this money to get to and from work for gas and they do n't seem to care. I honestly do n't know what to do because every time I call they act like I 'm a criminal. All I tried to do was a good person and pay back my credit and I feel like I just got XXXX over. {$75.00} is a lot of money coming for me just described above months to get by to get caught up and they came and put {$34.00} back in my bank account for a mistake that they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: SD

Complaint narrative:
I received a preapproved credit card application in the mail from Discover Card. I am currently attempting to rebuild my credit at this time. I filled out the application and awaited a response from Discover Card. I received a denial letter in the mail today, they discover card cited collection. Charge off or judgment for reasons of denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
A Discover Card rep told me he cancelled a payment pending for two days later, but it was not cancelled. It will cost me {$20.00} to stop payment or a {$35.00} insufficient funds charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK
State: PA

Complaint narrative:
I 'm a XXXX year old single mother. On XXXX XXXX, 2016 I called my bank at XXXX XXXX to check on my account balance. I have a checking account at XXXX that my mother 's name is attached to. Her name is only a secondary on the account, if anything were to happen to me. She has never once in all the years that I have had this account had any of her checks deposited or taken money out, she does n't even have a card to the account. When I called for my account balance it stated that is was frozen with an overdrawn balance of {$15000.00} due to my mother having debt with Discover Bank. I have over {$6000.00} saved in that account for my son and myself and Discover Bank said because my mother 's name and social security number are attached to my account that they can take all of my money and not leave my son or myself with {$1.00}. All of my {$6000.00} are still in my account but it is untouchable until XXXX XXXX decides if they will release my money to Discover Bank to cover my mothers debt. My mother owes {$21000.00} to Discover Bank and they filed a law suit using XXXX XXXX XXXX XXXX as legal representation. I can 100 % prove that all money being deposited in that account is mine and has nothing to do with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
Got a Discover Personal Loan XXXX, 2016. Said the rate was between 7.5 % - 19.99 %. They were never actually going to give me a decent rate, even though my FICO was XXXX. Told me the only way to get a better rate was to have my account debited automatically. Got a 16.99 % rate. Told me there were no processing fees, but examining the loan, I realized there were fees. They added up to over {$700.00} over the life of the loan. So they reduced my rate to 16.96 %. I paid an extra {$1000.00} in XXXX and again in XXXX. Even though I have made these extra payments, they continue to state that my loan will only be shortened by a few months. They say that the loan is a simple interest loan, but when I do my loan online - XXXX, etc. more of my money goes to principle than it does with Discover. I just got my XXXX bill, for XXXX, and I am being charged {$10.00} more in interest, than I was on My XXXX bill which was for XXXX. XXXX and XXXX have the same number of days in the month. I also pay {$27.00} more than what 's due each month. I am very suspicious of this company 's loan manipulations. I know they just been in trouble over their student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
On XX/XX/2016 my balance was incorrect. My online account show the following : Last Statement Balance : {$910.00} Recent Transactions : {$130.00} Recent Payments and Credits : - {$40.00} Current Balance : {$1000.00} That math can not be correct and Discover needs to credit my account {$21.00}. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MO

Complaint narrative:
Last year around XXXX i went to Car Hop. A Buy here Pay here car lot. they told me i could put any amount of money down and drive off with any of the selected cars i was approved for. They did not tell me the price until i signed the papers. at the time i was in desperate need because i had to get back and forth to work and school. i did n't have any help but never wanted to put myself in a fix. And at the time i was only XXXX. But i ended up picking an SUV i found interest in. I asked the price but they ignored the question. so i just followed through because i was just excited that i got approved. After i signed the papers i asked the price again and they ended up telling me it was {$8000.00} almost {$9000.00}.! but at that point i could n't bag out because i already signed paper work. If they would have to me the price when i first asked i would n't have ever purchased a 2003 XXXX for that price. so that 's the first way Car Hop had gotten over on me. Second i 've had complications with this SUV since i first got it. the altinator always go out, the tires always blowing up and i put my life in jeopardy driving on the highway because of this. I 've put more money into this car than anything! Last, now since they 're closed down ( and the car is down now as i speak ), im trying to get another car but i ca n't. Everything car lot tell me that Car Hop put me in a bad position because first they put A LOT of interest on the car plus they over charged me, plus they messed up my credit. Im only XXXX and cant get nothing because of the broken SUV that 's on my name. Every car lot tells i would have to get a second loan or they will have to add the rest of the SUV onto my new car ( making my new car note $ XXXX {$500.00} ) and i feel its just unfair. i need to get this car off my name. I need money or for Car Hop to get this car off my name. I 've been patient for so long but its got to a point where it 's ruining my life!! im only a college student with a full time job. I cant get anything or get approved for anything in my name because of an over charged car with high interest from Car Hop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am writing to your agency because I am very disappointed in the way Discover handled my case. I tried to re open XXXX cases with them : XXXX and XXXX charged by XXXX and XXXX XXXX XXXX. They would not re open it, I understand that I missed a deadline but I called them to explain that I have XXXX XXXX. I am currently in XXXX, It is hard to keep up with my mail. I am dealing with XXXX and XXXX. All this is overwhelming. I ca n't believe they are doing this to me. Where 's the compassion? I am asking your help to please try to re open my case, I was going to respond the letter to Discover when I saw the date was due already, then I called them on XXXX XXXX and they denied my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK
State: WV

Complaint narrative:
Have been trying to ask them for help with consolidating or remedying my debt with them and every time I am refused any help at all. I get very mean and loud agents who insist I pay the entire amount up front to keep from having more issues with Discover Card. Some threatening me with insulting ways of paying the debt or just being stringent on not helping find a way to get my debt settled with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: WLCC
State: TX

Complaint narrative:
continuous calls to my employer a letter via fax to my supervisor with a demand for payment through payroll deduction

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
A discover call center representative informed me that for a payment of XXXX they would remove the charge off from my credit report I made the payment yet this information is still showing and discover is reporting as accurate I would like this information reviewed and the call pulled up if possible I feel that it is unfair for discover to just lie to its customers

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Placement Services, LLC
State: MN

Complaint narrative:
This my second complaint against Professional Placement Service in the last 14 days. The debt for {$670.00} owed to XXXX XXXX XXXX XXXX do not belong to me. This debt is the result of identity theft. I am a victim of identity theft. I have never opened an account with XXXX XXXX XXXX. This debt is currently on my XXXX, XXXX and XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover cancelled XXXX of my charge cards followed XXXX CD 's and finally my checking account at the time my credit score was over XXXX and had no issue with the banking I sent them letter and they called and told me it was a business decision. I am turning XXXX in XXXX could this be age discrimination. I have a copy of the letter I sent if you would like a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NY

Complaint narrative:
Settled debt with XXXX XXXX XXXX XXXX. ( Discover ) for less than full amount on XXXX/XXXX/15. They took payment and told me that I would get a letter noting this after 21 business days had passed based on what some bank told them they need to do. I have called them @ XXXX a total of XXXX times requesting this letter and have been told that it was mailed but have not rec 'd it. After calling again today XXXX/XXXX/15 ( XXXX XXXX-ext XXXX ), I was told that XXXX of their attorneys has to approve the letter being sent but they would not allow me to speak with this attorney for clarification. I asked for a supervisor ( XXXX XXXX-ext XXXX ) but was told he was too busy to speak with me. I believe that I am getting the " run around '' and would like to file a complaint as this seems to be an unfair debt collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: WLCC
State: KS

Complaint narrative:
I had went online and put my information into a payday search engine and they will not stop contacting me. They call me at my job and on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: SD

Complaint narrative:
Recently, we sold our home for a great profit - in hopes of purchasing a new property. Upon our application for a new mortgage it was discovered that Freedom Mortgage had given us XXXX late payment marks on our credit score, this made us ineligible for any mortgage loan program. After researching the issue, we 've discovered that Freedom adjusted our escrow payment, and did not appropriately notify us of those changes - as a result the consistent payment we had been making from our bank account was slightly less money than the new payment amount. We have never missed a monthly payment, once we realized what had happened we had adjusted our payment up to the correct amount, and again recently the escrow amount dropped, and we were not notified - so we spent a few months paying slightly more than we needed to. Freedom Mortgage is ruining our ability as a family to make large purchases, and handicapping our credit for the future.

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 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
After being assured by the loan originator that everything was perfect and there would be no issues in XX/XX/XXXX just now in XX/XX/XXXX I have been denied a mortgage. Of course after spending {$400.00} dollars on an appraisal and countless other {$5.00} transactions to fax over document after document to prove the most ridiculous things, from where deposits as low as {$140.00} came from to the ownership of a XX/XX/XXXX XXXX wheeler. In the end they denied me based on credit issues which have only improved over the four months of jumping through hoops. The reason for denial is a fabricated XXXX and I believe I should get a full tefund for all the money I spent due to being lied to from the start. I believe the underwriting division of this mortgage through 5/3 did not do their job properly as well as the communications between myself and 5/3 mortgage was horrible. I ended up having to reach out to the bank manager to have him contact the loan originator for me. The underwriting department headed by XXXX XXXX has had XXXX contact with me regarding my mortgage application and process for over two months. Then I simply receive a letter stating it was denied. Four months of wasted time and money and not only no mortgage but absolutely no explanation as to why. Horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: GA

Complaint narrative:
I receive calls from Focus Receivables Management on a daily basis attempting to collect a debt that is owed by another person, one I have never had a relationship with. The automated message asks me to call at XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: TX

Complaint narrative:
I am extremely upset that a collection agency called my family members and employer after they had my correct contact information. XXXX XXXX XXXX from United Recovery Systems XXXX ext XXXX left a message on my cell and then proceed to contact my family members and work. He did not give me an opportunity to call him back after XXXX message. I spoke with his manager to notify him that that was inappropriate to contact my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
I am not sure what category this falls under but a company called Professional Inc. located in XXXX Illinois sued me for a debt that I owe to a bank located in town called XXXX XXXX XXXX. The debt is almost paid off however I noticed that they are taking XXXX dollars out of my paycheck every two weeks and it does n't seem to be adding up because they should be paid off by now. For instance, the last XXXX times I called they said they only received about 70 dollars and then XXXX dollars but my employer is garnishing my wages for XXXX every two weeks so where is the other amount going to? I know that your employer can charge you a fee for your wages being garnished but I have spoke with my employer and they do not charge a fee for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC
State: SC

Complaint narrative:
XXXX XXXX called stating that she 's sorry she took so long to contact me with information that I needed ( she called my office line ) and left her contact information with no indication that she was a debt collector or calling to collect on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: URS Holding, LLC
State: CA

Complaint narrative:
XXXX of ERS XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm six months late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis reported a bill from XXXX in XXXX as " in Collection '' as of XXXX. There was no detail about the bill except that the services were from XXXX which turned out to be incorrect. I called XXXX in XXXX on XXXX/XXXX/XXXX. XXXX reviewed my account and advised that the bill was paid in full by the insurance company on XXXX/XXXX/XXXX. There is no patient portion due. Here are more details : Date of Service : XXXX/XXXX/XXXX, amount XXXX. This went to collection on XXXX/XXXX/XXXX and was paid in full by XXXX XXXX on XXXX/XXXX/XXXX. XXXX advised that XXXX year ago they changed collection agencies and hired Rash Curtis. Rash Curtis reported everything to the credit bureaus regardless of account status. In other words, even though my account was at XXXX balance as on XXXX/XXXX/XXXX, Rash Curtis reported this as in collection because it had been in collection at XXXX time. I ca n't imagine how many people will look at their credit report XXXX day and see this incorrect report even though Rash Curtis knows that they need to review all of XXXX in XXXX accounts to ensure the amount is truly overdue.

Company response to consumer: Closed with explanation