vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover is displaying the incorrect balance for my credit card. Please see attachment and not that the math does not add up. Also note that if you included the pending activity of {$8.00} you still do not arrive at the balance that is stating so the pending activity can not be the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: CA

Complaint narrative:
I am receiving calls regarding a debt that I supposedly owe from a property management called XXXX XXXX but no verification of debt has been provided. My lease ended XXXX XXXX, 2015. I moved out XXXX XXXX, 2015. I paid my rent on time. I ended my lease in good terms. I never received an outstanding invoice amount from XXXX XXXX. The call from Rent Recovery Solutions, LLC concerns me, as I am not sure they are legally authorized to collect such claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover is causing me to request a code via email or text EVERY TIME I want to log into my account. I believe it is because they want to make it harder for me to log into my account and pay my balance so they can gain more fees and charges off from me. I have asked for an update on any fix to this and have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
Had A checking account that was compromised Called to cancel checks and they told me it would be a XXXX charge I agreed and they still let them clear with no money in bank account to cover them then charged an overdraft fee plus daily fee did not know that they had let them clear and that I even could overdraft over XXXX when my bank limit was XXXX if I went over XXXX then bank would cover it anything above that they do n't pay and send back this is not an accurate amount and do n't know where they came up with these amounts and I have requested copies of the origanl documents and still have not gotten a detailed bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: WI

Complaint narrative:
Trying to split the bill multiple times to collect XXXX debt. Plus I had insurance at the time trying to get them to pay their part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 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: CO

Complaint narrative:
Discover Bank. 
I was double charged on my first student loan payment ( I am already paying them 35 % of my monthly income ). Customer service seemed confused and insisted that they could not help me and that I needed to work with my bank that the double charge was being pulled from. I am already financially thinned out because Discover does not deal in income based repayment plans, and I am now at risk of having a " Late '' status on my account due to their mistakes. This may reduce my chances of refinancing elsewhere. 
Customer service needs to read the notes on the account prior to trying to understand the situation and further confuse the customer. XXXX of the XXXX agents I spoke to was rude and demeaning. Wasted my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recovery Solutions
State: AR

Complaint narrative:
I have submitted an email and made numerous phone calls to Rent Recovery for written verification of debt. However, to date I have not received any information regarding the debt, only a telephone call 2 years ago when I requested written verification of debt and still did not receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
PLEASE SEE ATTACHED FOR ALL DETAILS ... Summary Here -- XXXX I received a call from " XXXX XXXX '' supposedly ( it was actually XXXX XXXX ) with a special offer to transfer all my credit card balances onto one new Card ( ended up being Discover ), and that the transferred amount would be interest free until paid off at {$250.00} per month. The cost for this was {$1900.00} and was charged to my XXXX XXXX card ( see attached ), and then transferred to the Discover card. They did not mention anything about a transfer fee to the new card, and I was charged an additional {$420.00} for that. I was also told that the new Card I receive would have a low interest rate for life, but when received it was actually 23.24 % ( see attached ). I called Discover about the transferred balance, and they told me it was only interest free for one year and they never do " interest-free for life ''. I called XXXX back who was my main contact at XXXX and it took me about 5 calls over several weeks before I finally got her on the phone just before XX/XX/XXXX. She said the offer was indeed valid and that she would send me an email confirming that. She still has n't, and I 've called and left messages for her 5x since then, and emailed her 4x and she has not returned my calls nor emails. PLEASE SEE ATTACHED VERY DETAILED PAGES WITH ALL DATES, TIMES, LENGTH OF TIME SPOKEN, EMAILS AND NAMES OF THOSE CONTACTED. ***NOTE - I tried to enter the amount lost below but was unable to. It 's {$2400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect
State: TX

Complaint narrative:
Company repeatedly reports this fraudulent debt on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XXXX/XXXX/2016, I rented a car from XXXX XXXX and on XXXX XXXX, 2016 turned in the car at the airport in my city. On XXXX/XXXX/2016, when I made the online reservation, I prepaid for the vehicle for the amount of time needed. On XXXX/XXXX/2016, I was charged an additional fee of ( {$78.00} ) which appeared on my Discover Card statement. I contacted XXXX XXXX but was not given a reason for the extra charge. However, the amount ( {$150.00} ) which I prepaid to use the vehicle was validated. I contacted Discover Card to dispute the ( {$78.00} ) however was unable to get my money back because XXXX XXXX simply provided a copy of the bill for the extra charge. Discover Card did not understand that I had already paid for use of the rental car when I paid ( {$150.00} ) and that no additional charges or fees were necessary or warranted. There was no damage to the vehicle and there was a full tank of gas. When I spoke with the billing department of XXXX, the individual with whom I spoke could not explain the extra ( {$78.00} ) and referred me to the airport location where I rented the car. When I finally reached someone at the airport location of XXXX, I was told to call the billing department with customer service. 

I am getting the run around from both XXXX and Discover Card, but need my money back from the double dip that XXXX placed against my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have received a XXXX for XX/XX/XXXX from discover Bank I do not recall getting any mail from Discover Bank, that dates back to XXXX, statute of limitation is 5 years in the state of Florida, is that legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
Miss appropriated payments : My wife and I have a mortgage on our house in Oregon that we purchased with a XXXX. It is being processed by Dovenmuehle. XXXX describes Dovenmuehle as a trusted third party. 
After about 2 1/2 years on the 15 year mortgage, and numerous disappointing experiences with Dovenmuehle customer service, my wife and I decided to pay off the mortgage early so we do n't have to deal with this dishonest and discourteous company any further. We have been sending in additional payments marked " Principal Only '' on a regular basis, every two weeks, and also larger amounts occasionally, when we can. 
Numerous times the " Principal Only '' payment is not posted to principal even though we have done what both institutions ask. The payments go to " XXXX - PRINCIPAL ONLY '' Our regular monthly payments have never been late. Our last payment of { {$1900.00} } was once again applied wrong. It was applied as an additional monthly payment instead of a payment to principal. This despite the facts that XXXX takes this money directly out of my account and sends it to the Dovenmuehle address for payments to principal. There is actually no physical check, the payments between XXXX and Dovenmuehle are electronic using the XXXX Bill Pay. 
I would like compensation for additional interest charged because of this intentional and repeated misappropriation of funds. 
I would also like compensation for the 17 hours and 20 minutes spent on the phone in the past 6 months trying to get Dovenmuehle to credit payments correctly. 
I am not the only customer with this complaint. Please refer to Complaint ID XXXX and XXXX. This is not an isolated incident. This is intentional misconduct and I request you fine XXXX and Dovenmuehle for willful disregard of banking regulations. I also request that The Consumer Financial Protection Bureau audit all loans serviced by Dovenmuehle for similar misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: DE

Complaint narrative:
I opened a savings account with XXXX. I scheduled a transfer of {$200.00} from my discover cash back checking account on XXXX XXXX they said it would be in the savings account on the XXXX it is now the XXXX I checked my savings account the {$200.00} is not there I checked my XXXX account and {$200.00} posted and it said " reverse ach withdraw '' I called XXXX and they said my account was suspended from doing transfer why? I have NEVER done a transfer from this account ever. I have been on hold for 20 mins now and no one can seem to figure it out they just keep saying I 'm reviewing the account let me place you on another hold. I rarely ever call customer service for any company because I like to do things myself I 'm an advocate at a bank the last thing I want to do is be that angry customer but no one can help. I need answers!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Coastal Credit, LLC
State: DE

Complaint narrative:
Coastal Credit LLC ( XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX XXXXXXXXXXXX ) has refused to let me pay off my vehicle and report to the credit bureaus that it has been paid. They said they will not provide me with a letter saying that it will be paid. I want to know that if I make this final payment that it will be reported to the credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XXXX/XXXX/XXXX XXXX accused me of damaging then repairing a rental car that was in my possession for a time period of 24 hours. XXXX submitted a claim with my car insurance XXXX and charged my Discover credit card the deductible fee and one-day rental fee ( a total of {$290.00} ). While XXXX investigated the matter, I contacted Discover to find out the timeline for disputing a charge. Discover told me that customers do not have a deadline for disputing a charge. XXXX found me at no fault for the accident and did not submit payment to XXXX. XXXX reported they were taking the case to arbitration. Since Discover told me I had no deadline for filing a claim to dispute the charge, I decided to wait for an outcome from the arbitration process before pursuing a dispute charge with Discover. Since it has been about 2 years and XXXX has not pursued arbitration I went ahead and submitted a claim with Discover in XXXX, XXXX. After Discover completed their investigation, I was informed that they are not able to validate the details of the claim because XXXX did not respond to the claim. Per Discover, XXXX has the right not respond to this claim, therefor, there is nothing Discover can do for me, the consumer. I feel like Discover is deceitful by telling costumers that there is no deadline to dispute a charge. Discover is misleading consumers. Not only was I a victim of fraud from XXXX but also from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 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: NC

Complaint narrative:
I am writing about an apartment complex that inflated the amount that was owed to them and refuses to remove the debt from my credit report after I have disputed multiple times, I have also sent original email proving that there was a discrepancy before the account was ever placed in collection and they still refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
My credit line with Discover was lowered from XXXX to XXXX not too long ago, they claim a recent review of account/credit score is the reason for their decision. However, the account has been paid on time and never over limit since opening and if anything, the credit line should have increased. At the time of supposed review, the account was paid off with a XXXX balance. Please note, at time of account opening the agreement did not state I needed to maintain a certain credit score in order to keep the XXXX credit line. Please do not mark this as duplicate as there is additional information not previously disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: VANDYK MORTGAGE CORPORATION
State: FL

Complaint narrative:
I was issued a mortgage with VanDyk Mortgage in XXXX 2015. In XXXX 2015, I submitted my first mortgage payment and have been submitting on-time payments since. After 3 months, I noticed that my mortgage had not been reported to any credit bureaus, so I contacted VanDyk Mortgage to find out why the mortgage had not been reported and no one could provide an answer. I emailed a representative a written request to have my mortgage reported and it still has not been done. I have made several attempts to rectify this situation and after 9 months, it has still yet to be rectified.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AmeriCollect
State: WI

Complaint narrative:
I called Americollect in XXXX and asked how much I owed to pay off accounts in full. They offered me a settlement amount of {$790.00}. The original balance was {$990.00} XXXX but the they have consistently quoted me different balance amounts each time I called XXXX. The XXXX XXXX XXXX XXXX sent a check in for the amount of the settlement of {$790.00} on XXXX XXXX, 2015. That check was cashed by Americollect on XXXX XXXX or XXXX. I requested a receipt be mailed to me to show I had paid all debts. I was told I would receive it within 3 weeks and I did n't receive anything. Then I called on XXXX XXXX and spoke to XXXX, and XXXX on XXXX XXXX. On the XXXX XXXX confirmed that they payoff was received and I would receive a payoff letter in a week. I did not receive that. When I called back today, XXXX, I was told by XXXX that I still owed {$900.00} and they have no record of the settlement deal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Discover XXXX XXXX XXXX, XXXX, DE XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear Discover, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: WI

Complaint narrative:
I found out earlier this year that there was a judgement on my credit report when i went to buy a car. Discover credit card company filed the judgement against me back in 2010 and I am just finding out now. I never had a Discover card so I filed an identity theft claim and followed every step. Now after I sent numerous letters to them stateing the crime, they will not investigate the theft and instead they are going to garnish my wages. This is unexceptable to me, I will not be harrassed and pay for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
I recently applied for a personal loan with Discover Personal Loans. I submitted my loan and application, and learned my loan was finalized on XXXX XXXX, 2015. I was told I should receive a check for my loan within 10 business days. 

On the XXXX business day, XXXX XXXX, 2015, I still had not received my funds. I called Discover Personal Loans and found that my payment had not even been sent yet, and would not be until later that week. 

However, I was informed that I was going to be charged interest from the day that the loan was finalized, XXXX XXXX, 2015. To me, this is utterly unfair because I am paying interest on funds that I have not received, and in fact have not even left Discover 's bank account. 

I 've looked up the rules and regulations regarding this practice. And it appears per 12 C.F.R. 226.2 ( a ) ( 13 ), I am obligated to start paying interest when the loan is " consummated ''. While I may have agreed to certain particulars of the loan on XXXX XXXX, 2015, I did not receive my end of the contractual consideration on this date, and would not even receive it for 15 calendar days later ( at the soonest ). In this case, the amount is not insignificant. It is approximately {$100.00}. ( {$23000.00} loan amount x XXXX apr XXXX XXXX Discover 's daily accrual method x 15 calendar days of interest. 

I have canceled the loan, for obvious reasons, and expect Discover to not hold me accountable for any interest from this loan, as I have not been able to make any good use of the loan they provided. 

I am concerned they are preying on unsuspecting customers by using this " consummation '' loophole, getting customers to agree to the terms of the contract on the funding date, being overly slow in disbursing funds ( over 10 business days is truly excessive ), and reaping the benefits of their inefficiencies. 

I would like a response from Discover, and I think this may warrant an investigation from the CFPB, and possibly a class-action lawsuit.

Company response to consumer: Closed with explanation