vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-31 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: MI

Complaint narrative:
I am talking to a realtor today and a car dealer. I am up for a swap in my car lease and my partner and I are looking in XX/XX/XXXX to move to XXXX household together and commencing planning. 

My relator and car dealership agent show me that Discover Student loans loan XXXX and XXXX are hitting me credit score HEAVILY. All my loans are paid early and significantly more then minimals and months in advance and have been for over a year now. 

Yet they are documenting that payments sent in together loand XXXX cleared on XXXX/XXXX/2016 yet same day sent in payment XXXX is STILL today XXXX/XXXX/2016 not processed. They do not mail invoice, balance cant view these online, nothing this is the third month in 2016 I have battled them on this. They take payment over what the payment terms are agreed to. Yet then play these games and my dealershipo and realtor told me my credit is being hit with " In the meantime, I would work with Discover to correct the information that they have on your credit report. Because they are showing as " profit and loss '', which is a term that means " uncollectible '' to a lender and weighs down your credit score in a big way, this affects what you qualify fo '' I have gone to Discover over this REPEATIVELY on the processing payments on loan XXXX and XXXX. I have gone to them on why cant I see the balance on line or in a mail bill monthly or calling your number? Why is this listed hurting my credit but for a year and a half now I have paid MORE then the requested amount and months ahead on payments? 

This is blocking me from getting into a car or looking at moving in with my partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Recovery Associates, Inc.
State: NY

Complaint narrative:
I would like assistance in making a formal complaint against XXXX XXXX XXXX XXXX and Professional Recovery Associates , Inc. XXXX XXXX XXXX XXXX has exhibited inappropriate and sloppy billing practices. 

I received emergency treatment in XX/XX/XXXX ; then I received a bill from a debt collector ( Professional XXXX Associates, Inc. ) in XX/XX/XXXX. I responded to the debt collector asking for an itemized bill and questioning why I was not sent a bill to my home address soon after the services were rendered. The debt collector replied by sending me a bill with the amount, not itemized as I requested, and with the WRONG address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: DISCOVER BANK
State: TN

Complaint narrative:
XXXX of the loans discover purchased in XXXX was never reported to my credit until XXXX XXXX. Also in XXXX XXXX I requested a debt verification per the law because of this discrepancy- they never responded or provided this to me which is a violation of law! They claim they never received it but I have proof of delivery certified receipt and tracking online that proves it was delivered to the address listed on the account. I have yet to receive any debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: WI

Complaint narrative:
I saw a promotion that Discover Card had announced where they were offering 10 % cashback on all purchases made in-store with XXXX Pay up to {$10000.00} and there were no exclusions noted. I chose to open a Discover credit card at the time due to this great deal being advertised. I confirmed with others that the 10 % cashback did not exclude gift cards. Fast forward three months, I 've started to receive emails from Discover stating that gift card purchases are excluded from the promotion. It turns out, that two days after the promotion went live, Discover decided to change the terms of the promotion to exclude gift cards. Discover did not inform card holders of this change in their terms. It 's absolutely unacceptable for a company to bait and switch consumers like this without any notice. I have contacted Discover via chat, who told me to email the email that contacted me about gift cards being excluded and I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In XXXX 2016, SPS Select Portfolio Servicing sent out modification paperwork to be completed. My father filled out the forms the first time and when he called back to make sure it was received they told him it was wrong and had to resend. I stepped in to assist my father. I asked to speak to a supervisor so I can get the accurate information on how to fill out this modification form. Since then we have been advised to redo the paperwork or that there is missing documents ( they never told us that we need it ). After seven times of redo the paperwork, the bank sends a letter that we need to redo the modification. For the past 4 months we have done everything the bank needed from us and asked to speak to a supervisors multiple times but no one can give us a definite answer. No one knows anything and their is no one higher than the supervisors, which are useless. Our payments are high but we pay on time every month. we are asking for this modification to help us with the monthly payments that is all we are asking for. I feel like the bank is not trying to help us at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: DISCOVER BANK
State: NY

Complaint narrative:
I have previously submitted a report on XXXX XXXX, and now I would like to submit my complaint with Discover. 

I have XXXX Discover loans, XXXX being 8.8 % interest equaling {$11000.00} ( {$10000.00} originally ) and the other being 7.2 % interest equaling {$19000.00} ( {$18000.00} originally ). 

The problem with the loan is NOT the amount, rather the fraudulent interest rates I am being charged. Because the interest continues to compound, my payments barely eat into the principal leaving me with a bigger loan than I started. 

I make every payment on time, however it seems to make little difference if I pay more than what is due. This is ruining my credit report because my debt to income ratio looks horrible, even though I make all my payments on time. 

What this is effectively doing is keeping me from getting any sort of loan to buy a house, or put a dime back into the economy. It does appear as though this will be the case for a long while unless something is down to lower my interest rates to an acceptable level. 

Paying $ XXXX- {$1200.00} a month in student loans is not feasible when I am barely cutting into the principal and lowering the loan amount. In every case of my loans, they are now currently bigger than when I first received them even though I am paying this amount of money EACH month. This should not be allowed and is a form of loan sharking. 

I am not asking for my loans to be forgiven, however I am asking that my interest rates be put at a normal level of almost all other loans in this country at 2 % interest. There is no reason I should be suffering from an fraudulent interest rate ; students should not be punished for seeking a higher education. 

After calling each of these companies several times, I have found NO help in trying to refinance my loans. The only option I get is to go into forbearance, which would mean a lifetime of debt for me and possibly other family members. 

Please review my case and understand where I am coming from. I can not express enough how these interest rates undermine my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
Years ago an old boyfriend put my name on his Discover credit card. I have never used his card or paid his bill or received a statement. He has recently filed a bankruptcy. He has contacted me because on his email billing statement they have removed his name and put mine. When he called them, they told him, " I opened the acct and put him as a signer and then telling him I called and had his name removed '', and then they wo n't talk to him saying it 's my acct. When I called them demanding they send me proof of where I signed to be responsible for his debt, they dodge the question, demand payment and refuse to send me this written proof. Can they really make me responsible for his debt? I am worried they are adversely affecting my credit score. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Thank you for allowing me to tell you my problem. I had my mortgage with Ocwen Loan Servicing LLC . I was given a non hamp modification. The payment was {$2000.00} and the first payment was due on XXXX XXXX, XXXX. I made my payments. I met with my Homeowner Counselor, XXXX XXXX of XXXX formerly know as XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and advised her that my payment to Ocwen had gone back to what I paid before the modification, which was {$2500.00}. She called Ocwen and was advised that the modification was still pending because they were waiting to title clearance. I sent the payment and on XXXX XXXX, XXXX, I called my counselor and she called Ocwen. I now owed {$5800.00} so they said and they would send me out another modification package. The advised me that the modification was still pending a title clearance. I sent in another package in XXXX, XXXX. My counselor called Ocwen on XXXX XXXX, XXXX and spoke to XXXX # XXXX and he advised that my file was under review ; however, he now showed that I was approved for another trial starting XXXX XXXX and ending XXXX XXXX, XXXX. The payment would now be {$2000.00}. Please know that I continued to pay the old payment of {$2000.00} until XXXX XXXX and then made the {$2000.00} payment. I made several payments and then it changed back to {$2000.00}. I had not advised my counselor and continued with the {$2000.00}. In XXXX, XXXX, I contacted my counselor and advised her that Ocwen said that I am now 1 month behind. On my mortgage statement for XXXX XXXX, XXXX, it was recorded that I send {$1900.00}, which I sent. I had my counselor call Ocwen and she spoke to my specialist, XXXX. XXXX advised her that my loan was permanently modified on XXXX XXXX, XXXX. When she asked XXXX about me being one month behind, XXXX told her that there was an error on Ocwen 's part and that the payment will be updated to reflect that I was up to date. Ocwen has given me and my counselor so many mixed messages. 
My account was transferred to XXXX. In XXXX, my counselor spoke to XXXX XXXX and was advised that my payment was now {$2000.00}. It had gone up by approximately {$10.00} citing escrow change. I continued to make my payments and in XXXX, the recording stated that I owed since XXXX. These folks were taking the money out of my account automatically. Again I was advised that I was one month behind and whatever payments that were deducted, were applied for the previous month. My counselor asked to get a payment history from Ocwen and when they did, it showed that I was one month behind. Ocwen never cleared their records before the transfer. I am writing you because I am not behind and Ocwen should of had this corrected. I also wrote to XXXX ' Correspondence Department because they advised me that they will do an in depth search. Originally, when my loan was transferred, they never received all the documents from Ocwen. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 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: OH

Complaint narrative:
I attended XXXX XXXX University in XXXX, Ohio for my XXXX. During that time I was unable to receive grant money for XXXX costs, so I received a private student loan from Discover Student Loans ( Graduate Loan, for XXXX ) to help with those costs. I am now a XXXX but am attending a non-accredited University that is outside of the United States. 

Since the University is non-accredited I am not eligible for an in-school deferment. My income is a scholarship provided to me from a Federally funded organization here in the country for living expenses only and amounts to only ( after exchange rate ) XXXX USD. My minimum monthly payment for my loan is XXXX dollars, which barely covers the amount of interest I accrue each month, and pays almost nothing on the principal amount of the loan. 

I have discussed my options for repayment with Discover but have received little to no help, as the only option they give me is a reduced payment due to financial hardship, for a total of one year ( I have used six months already ). The reduced payment is XXXX USD ( so not much less ) and does not cover the amount of interest accrued every month on the loan. My income will not change for the next four years ( the length of my XXXX program here ), and I can not work another job while here ( as stated by my student XXXX ) and grant money received for research typically can not be used to pay personal expenses, only those that arise from research. 

My family is impoverished, and lives with a monthly income well below the poverty line of our county in Ohio, so I can not seek help from them. I also have already sold my only equity ( my car ) in order to try and pay off personal debts, and lower credit card payments. So I have no other sorts of income that can pay a large sum of this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I did not authorize Discover to debit my mother 's bank account for {$100.00}. Discover said that I did. They put through a payment for {$100.00} and caused my mother 's bank account to bounce and now they will not reverse the transaction and pay the XXXX bounce fees that are on my mother 's bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
As of XXXX or as far back as XXXX XXXX, Discover card has been returning my phone payments to my banking institution [ XXXX bank ] that I 've made in a timely manner. Not only is Discover charging me with late fees, they are including returned [ electronic ] check fees. XXXX informed me that the problem is not with them. Altogether, the fees are totaling upwards of {$290.00} with a current payment made today XXXX/XXXX/XXXX. I also called Discover today to obtain my account number which they refused to do. I informed Discover that I needed the acct. number to pay my bill online through XXXX. I 'm thwarted at making payments to Discover as far back as possibly XXXX through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: WI

Complaint narrative:
Medical bill sent to collection agency, Americollect in XXXX WI. Total owed {$810.00}. Received notification from collection agency, called made arrangements to pay $ XXXX monthly until paid in full. Balance owed {$210.00} which I will pay off this month. Every month they call me asking for a payment even though I have made it. Last evening they called me asking for the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX XXXX, 2015 at XXXX, I sent a request to Discover Bank to transfer {$500.00} from my XXXX XXXX XXXX account to my Discover Bank account. The purpose of the transfer was to cover a checks that I had made, they sent an acknowledgement of XXXX. Discover Bank sent me an acknowledgement see exhibit XXXX. 
On XXXX XXXX, I received a notice from Discover that the transfer was completed on XXXX XXXX, In the notice they made no mention that the funds would not be available. See exhibit XXXX. 
On XXXX XXXX, they sent me a notice that they returned my check for XXXX due toinsufficient funds. 
I called them and they state they reserve the right to wait up to 5 business days for the funds to clear. It took XXXX calls and over XXXX hours of time discussing the concerns of insufficient notice. 
My concerns are this. 
1. In the XXXX XXXX email, they stated nothing with regard to their funds availability policy. Therefore, from that email, how would i know that they would they would not be making the funds available from the {$500.00} deposit requested on XXXX XXXX? 
2. On anACH transfer why would any financial institution take 5 days to clear a transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Long & Foster Financial Services, Inc.
State: VA

Complaint narrative:
A representative from Prosperity Home Mortgage contacted me about pre-qualifying for a home loan. During the conversation he indicated he obtained my information from XXXX XXXX XXXX in XXXX, VA. I did not authorize the sharing of any of my information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Coastal Credit, LLC
State: FL

Complaint narrative:
I have been receiving phone calls from a debt collector or financial agency called " Coastal Credit ''. Each time they call, they state they are looking for XXXX XXXX XXXX. I do not know this person and they are not a relative. I never heard of them. I do not know how these people got my phone number. I keep telling them I do not know her but they keep calling me. When I block their number, they always call from a different number. They do n't care that I do n't know this person. They just want to call and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
DISCOVER BANK KEEPS ASKING INFORMATION ON MY TRANSACTIONS AND THEY OFFER COMMENTARY ON THEM. MY TRANSACTIONS ARE MY BUSINESS. THEY NEED TO LEARN TO MIND THEIR OWN BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 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: DRS Financial LLC
State: PA

Complaint narrative:
An alleged debt owed to XXXX who was responsible for Accounting Services to my Law Firm and my family was resolved on or about XXXX XXXX, 2016 by way of Settlement Agreement and General Release. Per the Terms of the Settlement Agreement, any debt allegedly owed by my wife and me to XXXX was extinguished effective XXXX/XXXX/2016. 
Despite the aforementioned Settlement Agreement Capital Collection Agency, which had been retained by XXXX XXXX submitted false and misleading information to XXXX on XXXX/XXXX/2016 that the debt remained outstanding and as a result I have been denied credit and/or am being charged a higher interest than I would otherwise have had to pay.

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 2015-12-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I called discover card XX/XX/XXXX to tell them that I lost my card. They froze the card and told me I would not have to worry about any charges on the card. I even asked if this applied to recurring charges from subscriptions. They said yes there would be XXXX charges on my account until I gave them my new credit card number. After checking my credit card statement, they lied and there was charges on my card. Why are there charges on an account that was reported lost? Discover should be liable for these charges after lying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
I just pulled my XXXX report and seen that I had an collection account from this company Rent Recovery Solutions and I was aware of this debt, so I called and spoke with a representative by the name of " XXXX XXXX '' she stated that she had to call me back because she was on another call, so I had given her my information and she called me back from XXXX she went on to tell me that I had an unpaid account with a community property by the name of XXXX and I informed her that I was n't aware of this debt and that it was n't mine, I asked her to tell me the spelling of the name on the account as that I 've had some issues in the past that 's been placed on my credit report which was n't mine, she did n't give me that information only went on to say that she would email me all of this information, still refusing my request to give me the spelling of the name on the account, she then proceeded to say that if you want to settle or make payment arrangements you can and again I told her that I was n't aware of this account and I 'm not paying. Not once did she state the mini Miranda and still asked me about money. I know my rights as a consumer and I know that this was one of my rights that 's been violated. I will be seeking law actions against this company and I want this debt removed from my credit that I know anything of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
Discover credit card. Send me for invitation card to apply for it. And after I let them run my credit thy just denied me to have a credit from them. I 'm side is just kind of nonsense to invited me to use or run my credit scores for nothing. It just waist of my credit scores. 
Ps.. Just want to complain them because of useful using the points of the person score for nothing. I 'm hoping that there do n't do this anymore for the other customer. Thank and looking forward to settling this matter.

Company response to consumer: Closed with non-monetary relief