vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
The collection company called my cousin which I hardly talk to and told her that they needed to contact me that they where a collection office. So when I called them they told me that I needed to pay I loan I had taken out a few years ago.So I let them know that I could n't that I was n't working that I 'm getting goverment assistance so they told me that if I did n't agree to pay them that they where going to sue me take me to court and I was going to have to pay them more than XXXX and legal fees and since I wasnt working they told me that they where going to take money from my welfare every month until the full amount of XXXX was paid off that if I did n't want that to happen I had to make some agreement to pay them back I told them I did n't have money. I practically felt scare and force to answer them that I would try to get borrow some money if I could so they wo n't sue me and take my government money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: Cheek Law Offices, LLC
State: OH

Complaint narrative:
In XXXX 2010 I had a credit card that went into collections and got sold to Cheek Law offices/XXXX XXXX XXXX XXXX I explained to them i was struggling and having a hard time even keeping a place to live. They would n't work with me even then, they proceeded with a judgment against me i was XXXX at the time so i was fresh into this and had no clue what i needed to do. I called them after i got the letter from court and asked them if i needed to appear in court as well, they told me no that i did n't need to appear so i did n't go to court. The judgment was to garnish my wages. They just now put in the order to garnish my wages more than XXXX years later. This was a credit card for XXXX dollars and they are now asking for XXXX. They want to garnish my wages for {$500.00} a month. I offered them {$1000.00} to settle or i would take that {$1000.00} and file bankruptcy chapter XXXX. They still refused to take that settlement. I also offered to pay them {$100.00} a month, they refused that as well. I can not afford {$500.00} a month this will leave me homeless and possibly unemployed. I think the way they are handling things is unethical. I have explained my situation to them and they are not at all willing to work with me. I also do not understand how a lawyer can charge me interest. I also find it convenient that after over XXXX years after the judgment when the money has racked up then they all of a sudden start to garnish my wages. If they would have garnished them right after the judgment then this would have been taken care of a long time ago. I feel they waited this long to do so because they wanted more money, which is not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 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:
I have been in contact with my private student loan lender Discover Student Loans several times since XXXX 2014 to try and make my monthly payment more feasible so I can afford to live. I have been told to either use forbearance or default my loans and that they can not help me. They want me to pay nearly {$700.00} a month, while trying to live and pay other bills. I also have federal loans that are in non repayment right now until I can get something resolved with Discover and be able to afford to repay my loans. I am willing to work overtime to pay Discover a settled amount every month so everyone is happy they are getting money. But, Discover will not work with me to make it to where I can live and afford my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
HI, Discover It Credit card closed my account on XX/XX/XXXX without any convincing reason and today XX/XX/XXXX I checked my XXXX credit report and they hit my score negativly with 77 point AND I found 2 issues that is broke my back, ( FIRST ISSUE ) that they reported my account as its closed account while they are the one who did it plus it is still under investigation upon of my request with them for why they closed it. ( SECOND ISSUE ) that they made HARD INQUIRY ON XX/XX/XXXX and i do not know why?? the account already closed on XX/XX/XXXX and I never call in this date for any request like credit line increase or any kind of reasons to make a hard inquiry on my credit report because I usually avoid making hard inquiry. So i want to Dispute that please, I been working hard on my credit to keep always excellent. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am getting ready to retain an attorney so that I can take legal action against Discover Financial Services. Dealing with this company has been nothing short of a nightmare, but I 'm going to give them XXXX final chance to resolve this matter to my satisfaction. That is what I 'm hoping to accomplish with the help of the Consumer Financial Protection Bureau. If Discover Financial Services is still unwilling to help me, I will contact my legal counsel to file the lawsuit. 

In XXXX, Discover Financial Services became aware that I was disputing the account ending in XXXX. However, they did not notify the credit bureaus until XXXX of XXXX. The Fair Debt Collection Practices Act, specifically FDCPA 807 ( 8 ), mandates that banks, credit card companies, and collection agencies have 30 days to contact the credit bureaus when they become aware negative information is being disputed. This makes Discover Financial Services liable to me for damages of up to {$1000.00}. 

I have detailed records, including USPS receipts, showing that Discover Financial Services missed the 30 day deadline. On top of that, before I paid off the account, they sent it to an unscrupulous collection agency. This collection agency illegally revealed my debt to multiple third parties in recorded messages. These are very serious violations, and unfortunately for Discover, I still have those recordings. I will therefore be seeking an additional {$5000.00} in punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a Discover card member since XX/XX/1987. Discover has placed gray charges on my monthly statement. I disputed the gray charge in writing and requested a written explanation for the charge. I never got a response. I declined telephone calls on the matter.  Discover charged additional fees in retaliation for my dispute of the gray charges. THis is illegal, the company cannot charge fees on items in dispute, including charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Miller, Stark, Klein and Associates
State: MI

Complaint narrative:
My parents contacted me and told me that someone from Miller Stark Klein said they were trying to find me for a court summons. I tried to make contact with the company the same day and they did not answer. The following day, I tried to contact again and spoke to a XXXX. XXXX stated they had information about $ XXXX of debt from a bank account I do n't use in a city I havent lived in for a decade. When I questioned the authenticity of the claim, she got upset and implied there was nothing I could do to resolve the issue. At no point did they ask for any current contact information or where I even currently live, just that I pay the money. When I asked for paper documentation of the records they have on this case, she stated I could take it up in court and hung up on me- without providing any information or even asking for where I could be contacted.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I was looking to move into a new apartment and I was denied. I discovered that I had an account in collections with Rent Recovery Solutions from XXXX XXXX apartments managed by XXXX. During the time I lived there my apartment was in deplorable conditions due to roof leaks and unfinished repairs from maintenance. After numerous request to maintenance and management about those issues I was completely ignored. I had no other alternative than to withhold rent payment and go to court. They filed suit because of this and I filed a countersuit due to the fact they refused and failed to repair the property. The results of trial were that I had to move by XXXX/XXXX/2015 and I did not have to pay any money to the property for rent, late fees, utilities, and court cost. I have provided this information to XXXX XXXX at Rent Recovery Solutions as well as copies of the court orders. After verification of receipt of papers, she stated that her client XXXX XXXX apartments refuses to remove the erroneous information and to will continue to report it to the credit bureau and advised that I file a dispute. This has caused a great damage while trying to secure a home for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
I am recently married and my wife has filed a bankruptcy for debt aquired before marrage. My current home loan serviced by XXXX has been flagged and transferd to the collections/bankruptcy department. My wife is not on the deed, she is not on the loan. I have an XXXX credit score and my loan is current. I would like to apply for a second home loan, but this situation will be a roadblock, potentially costing me several thousands in interest if I cant take advantage of cerrent rates. I feel this is a mistake on dovenmuels part, and they are doing nothing to correct the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Discover loans sent me a letter regarding a ruling that CFPB made in XXXX XXXX, XXXX regarding the illegal activities that Discover was engaged under the XXXX XXXX XXXX. The ruling clearly states that I should receive up to {$300.00} for tax preparations for XXXX and XXXX, but they chose to give me just {$75.00} credit per year. My tax preparation costs are a lot more than {$300.00} and surely more than the {$75.00}. So I want to make sure that Discover pays the {$300.00}. 

I spoke to the following people at Discover and none of them were willing to listen to the official ruling that is on your siteXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 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: NJ

Complaint narrative:
XXXX XXXX, XXXX NJSince I have XXXX in XX/XX/2012, I have not make enough money to pay off my monthly student loan payment, which has led to them being in default. 
I am currently looking into different banks that could help me by consolidating my private student loans, but my credit is horrible. I need help!, because I am willing to pay just not at a high monthly price.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I was forced to carry XXXX mortgages and left with over {$20000.00} in overdue bills and damages when the tenants in my California home disappeared in XXXX 2015. I managed to cover everything, but had to juggle and barely made it. I got the house back on the market and sold, but I was financially in trouble until I received the monies from the close of escrow. I called Discover Card and explained to a representative my situation requesting that I be allowed to hold off one additional month and would pay in full on XXXX XXXX or as soon as the mortgage closed. The representative agreed to allow me to do that and said he would notate it in the billing notes. We had an agreement. At no time did he inform me that Discover would report me to the credit reporting companies, my understanding was, we had an agreement. I was finally able to plan on giving my family the new home I had been promising them for several years. Discover turned me in as late to the credit monitoring agencies and caused a XXXX point drop in my credit rating. I had nothing negative on my credit record prior to this. Nothing! Had I realized they would do this, I would have done everything I could have to prevent it, and in reality, thought I had. I had no idea they would do so, as we had an agreement. I called them. They were much less than concerned, one Discover representative telling me to read the full contract after explaining to her that this has placed and unfair, and in my opinion, extreme hardship on me and my family. I 'm retired. I 'm a XXXX and I do n't understand much of the financial working of credit companies and I 'm just trying to survive. But when I make an agreement, I stand by it. This has caused us to have to spend {$1500.00} to {$2000.00} a month more if I am going to give my family the home they deserve, due to a higher interest bracket and having to pay mortgage insurance, all due to the credit report from Discover Card, and their not honoring their agreement with me. Again, my credit was nearly in the XXXX prior to this. It dropped into the XXXX due to it. I feel Discover Card did not properly honor their agreement with me and I feel they should pull the negative report. Especially as I paid them in full as soon as I got the escrow money, holding up my end of the agreement.

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

Complaint narrative:
I have a private Student Loan through Discover. The already outrageously high interest rate ( 9.875 % ) raised without notice to 10 % this statement. This is the second time this year the rate has increased. This time, however, no notice was provided for the increased rate. I 've previously tried working with the loan servicer to find out how I can reduce the interest rate ( whether through refinancing through Discover or any other means ) and they have been unhelpful. Aside from the fact that my auto loan and mortgage have interest rates that are nearly half that of my private student loan, I am concerned about the rate continuing to increase. Furthermore, I have attempted contacting the servicer for an explanation on why the rate has increased without notice, and a request to return the rate to what it was before the increase happened ( again, without any notice to me ). Not only has Discover not addressed my concern, Discover simply has not engaged with me. I have not received any communication since my inquiry, several days ago. I 'm worried that I have an outstanding debt to a private institution that operates similarly to a gang lord ; Discover charges me what it sees fit, and does not service my account, and I simply do not have a voice with them. Every month, I pay XXXX to XXXX times the minimum payment, in an attempt to be out from under this debt from an unfair provider. The feeling of despair and hopelessness grows more each time they chose to unjustly raise the interest. What is more troubling, the interest steadily started rising as soon as I started paying more than the minimum. It is as though Discover was dead set on making a specific profit from my account, and now that I can afford to pay more to the account, they will make up for the fact that I will be debt free sooner by charging me exorbitant fees lacking representation. I do understand that this loan has a variable rate ; however, if my provider is going to exercise it 's right to increase the rate, it absolutely must give me proper notice. It was the only thing that separated it from a slum lord, and I fear I do n't even have that now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: UT

Complaint narrative:
Miss appropriated payments : We have a mortgage on our house in Utah that we got through XXXX XXXX credit union. It is being processed by Dovenmuehle out of Illinois. 
We have been trying to pay down our loan by paying an interest only payment about every other month. Numerous times the payment is not posted to principal even though we have done what both institutions ask us to do by writing on check and marking payment boxes online that state clearly that the extra payment is for principal only. ( Our monthly payment is always a timely auto deduct / draft and has never been late. ) Our last payment of {$8000.00} was once again applied wrong. A portion went to principal, interest and escrow. Our home balance at that time after posting it their way was {$80000.00}. After correcting their mistake and posting the {$8000.00} toward principal only, our new balance was {$79000.00}. A difference of {$620.00} ( deduct the reversal of escrow account ) we still were behind {$310.00} their way. 
We have been told that our account has been marked special and we would never see the problem again. That was XXXX problems ago.. 
It 's amazing to me that our account : " XXXX '' have been marked special when they ( Dovenmuehle ) process over a million home loans a year. It begs the question : How many Americans are being fleeced by this action ( non-action ). 
Can we sue them for this or even instigate a class action suit? There should be some regulation to insure principal payments are just that and protect people like us, who nearing retirement age, need to pay off their homes as effectively as we can. 
Please let us know what can be done. We have documentation and tape recordings of conversations with both institutions. 

P.s. ..XXXX, now 5 months later and again they have miss appropriated our funds. XXXX payments XXXX {$10000.00} and the other {$7000.00}. They both got divided up with interest and they did n't accept the auto draft for the two months payments. Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XXXX XXXX, 2015 between XXXX and XXXX, someone broke the glass of a friend 's back car window and stole my purse. It contained my Driver 's License, Debit Card, XXXX Credit Cards, approximately {$50.00} in cash, {$100.00} in gift certificates, my home keys, my business keys, and approximately {$50.00} in makeup. I immediately cancelled my credit cards and debit cards. The police were called and a report was filed. I noticed there were XXXX fraudulent charges pending the night of Thursday XXXX XXXX, 2015. I called Wells Fargo to notify them and I was told nothing could be done until the charges were no longer pending. I warned them that it would make pending bills I was in the process of paying ( sent checks in the mail and had auto billpay ) and was told again, there was nothing they could do. I was notified via email the following morning, XXXX XXXX, 2015, that XXXX fraudulent checks written to me were cashed and when they returned NSF, {$3200.00} was taken from my account. I called Wells Fargo again, and they labelled it as fraudulent to dispute the charges. I went into my local bank branch and they were able to print copies of the fraudulent checks and tell me from which branches they were cashed. I notified the police of the updated information the same day. I have notified the credit bureaus and a 90 day fraud alert was placed on my credit profile.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a customer of Wells Fargo. Before leaving for XXXX in XX/XX/2016, I called them to let them know that I will be traveling. The last day, I used my debit card to take out a small amount of currency while in XXXX. Immediately, my card was shut down. Upon returning to the XXXX, I also learned that a check had been deposited into a small savings account. I took the money that was in the savings and transferred it to my checking ( months before this ) ; The " second '' deposit of the same check was removed from my savings account which left my account negative. When I went to the bank to get a check card for my bank ( since bills were not getting paid due to not having a card ), I was told I could not get a card due to a closed account. I did not close the account nor did I transfer the money to the " negative account '' because I was in a foreign country. XXXX I still do not have a check card with Wells Fargo. 

Second complaint is that I deposited a larger check. It was around {$4700.00} into my account. Standard procedures that I have run across says that it will take between XXXX business days for checks less than {$10000.00} for it to post. The check is still not " active money '' in my account after XXXX weeks!!!!! It is " posted '' not " available. '' While waiting for this check to post ... bills have come out. So, they posted the largest bill first for withdrawal, and I am getting charged {$35.00} for every single transaction that is coming from my bank. How is this fair that I have money that is on hold from their institution my fault? I do not want to pay over {$200.00} in " return '' fees and " overdraft protection ''

Company response to consumer: Closed with explanation