vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-16 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: OH

Complaint narrative:
Discover Student Loan # XXXX. I 've been trying to refinance my student loan ( at 9.375 % to a lower rate with another lender ) but I 've been getting stonewalled by Discover. I spoke with multiple representatives at Discover requesting " Lenders ' 45-day Payoff statement '' mailed or emailed to me and each time I 'm being told that my request will be emailed up the chain-of-command. After 1-month of multiple requests I called yet again today only to get the same response. Without the statement from Discover my new lender would not process the loan and i have a limited window of opportunity to complete my paperwork. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
The payment did not process. The company reversed charges of {$170.00} time XXXX. 
The charges should be XXXX reversal and two payments. I also have overdraft fee, which should be waived because discover reversed the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
We filed a dispute to a charge by a contractor/merchant who turned out to be an unlicensed contractor in the state of California. This contractor did not complete the work and caused significant damage. We asked the contractor to finish the work but they did not. We filed a complaint with the CA State Contractor Licensing Board, and also disputed a part of the charges with Discover. 

Discover would allow us to dispute only one of the many charges and denied that there was another charge. Then discover failed to investigate or make any effort and closed the case in favor of the merchant. We asked them why they closed the case, they said they needed more information and as asked them why they would not ask us for more information. They said to send them the information right away which we did. 

However, to date they failed to review the documents we sent and failed to apply a temporary credit as they promised they would do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
THIS IS A NEW COMPLAINT WITH NEW INFORMATION. In XXXX Discover received a payment on a credit card ending XXXX. They have not received any payments on this account since. They charged off the account in XXXX. They may have statements showing I was an authorized user on the account. When they charged off the account they started to report the delinquent account to my credit report. When I asked them to prove I guaranteed the account they show statements showing I was an authorized user. When I ask them to remove it from my credit report they claim it is reporting correctly even though they have yet to send me proof the account was guaranteed by me. I have been a Texas resident since XXXX. I can show my tax returns showing I have paid taxes as a Texas resident since XXXX. If they do have documentation showing I guaranteed it, which they have yet to send me, this account was still out of the Texas statue of limitations in XXXX. They still show a balance as being collectible against me on my XXXX and XXXX credit reports but put " consumer disputes '' and claim that makes it correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
For almost 10 years now I have been contacting and fighting with the credit bureaus as well as Discover Financial over an erroneous entry on my credit report. It is STILL listed on my account and never should have been in the first place. 
XXXX XXXX XXXX opened up an account with Discover Financial and without my knowledge or consent listed me as an authorized user on her account. I found this out several years ago and not only did I contact Discover, she did as well and I also submitted complaints to the XXXX credit bureaus. I again did this in 2011 when I discovered it on my credit history and to this day it has not been removed. 
To my knowledge it was never late, but it is an account affecting my credit and not one of these agencies has done anything to correct the error to this day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CO

Complaint narrative:
I am late on a credit card bill from Discover. It is the first time I have ever been late. They have been calling my cell phone 5-10 times a day and my work phone at least 4 times a day. It is a different person every time they call. 

I do not have my cell phone on me all the time and my work phone is busy with work or I am out of the office. So far I have not been able to answer any of them but when I get back to my phones and see XXXX missed calls from them in a span of XXXX minutes, it 's a little over kill if you ask me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discovery Bank appears to be using the same tactics that XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX are accused of in the current lawsuit in Federal Court. 

Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XX/XX/XXXX, when he refused to dismiss the case against XXXX, he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' Highlighted below are Discover Bank 's tactics to use inaccurate reporting to facilitate penalizing the consumer. 

1 ) reporting missed payments after the account was charged off 2 ) reporting XXXX % credit utilization after account was charged off 3 ) reporting 31 90 day late payments in status 4 ) refusing to correct these errors after multiple attempts through all XXXX credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover is posting debit card transactions w a posted and transaction date that is always the same, therefore there is no way to match and verify that I actually made the transaction. As the actual transaction date can not be verified as it is always equal to the posted date. I have been reporting this to Discover for over a year w no resolution. as an example they posted a XXXX transaction w a transaction and post date of XXXX but it showed up in my account on XXXX XXXX, this is impossible, potentially illegal, how can I make a transaction in the future at XXXX? This is causing a lot of pain and confusion on transactions. We have no way to validate that the transactions are real and not fraud. Please contact Discover and have them fix this immediately. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
In XXXX, I was without XXXX or any form of medical insurance. I attended the XXXX XXXX through XXXX XXXX XXXX XXXX, a free clinic advertised to the homeless as well as the uninsured. I underwent routine XXXX for XXXX and other basic information, and was billed a few months later without having ever received notice. I should never have been billed as I repeatedly made clear I could not pay, expressly did not sign any agreements to pay, and was told repeatedly that a free clinic would not charge the patient. This was a deliberate lie that was used to trick me into a procedure. I only realized I was billed when I checked my credit reports in XXXX. The date of first delinquency on my CBS debt is marked as XXXX/XXXX/XXXX, yet the itemized bill provided states the date of care as XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I am writing to dispute being charged fees in the amount of {$710.00} on my account. The amount is inaccurate and I am requesting that the error be corrected. 
When I lost my job and I was late I called Seterus and I was told they are here to help so I tried to get a modification, but I was they declined, so they worked out a payment plan with me and I would not be charged any fees. 
In XX/XX/XXXX and XX/XX/XXXX I had financial problem so I only paid a portion of my mortgage because I was told to pay something then I realized the money was not going towards my mortgage, I called Seterus and that 's when I was told that I have been being charged late fees since XX/XX/XXXX and the portion of the money that I have been paying was only going toward fees, which I did not know I had. 
Also they charged me fees to go by my house when I 'm talking to them and telling them that it is occupied I believe that this company is unethical and the FTC should have them investigated. 
Please investigate this matter and correct the billing error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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: OH

Complaint narrative:
I applied for an apartment at XXXX XX/XX/2016. After being approved for the apartment, I decline the apartment offer. I paid them the application fees which are non-refundable. This week, I received a letter from a collection agency stating they have placed an eviction notice on my credit account and is suing me for {$3600.00} for an apartment that I never stayed in or even rented. They do not have a lease in my name NOR have I never signed one. I never lived in this apartment complex, only completed an application. They even tried to garnish my wages. How can I be garnished if there is no court date? This is unlawful and I want my this off my credit. I have spent days trying to clear up something that is not mines. I try contacting the apartment complex and this debt collector and no one is doing anything. This needs to be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: DISCOVER BANK
State: GA

Complaint narrative:
I received a phone call at XXXX XXXX XXXX on XXXX XXXX, 2016 from the office of " Attorney XXXX '' of XXXX XXXX, XXXX XXXX XXXX, XXXX, phone XXXX ). The call alleged that I was named in a judgment hearing by Discover Card, for a debt that was almost twenty years old. The person on the phone asked if I was aware of this litigation, which I was not. She then proceeded to say the debt was attached to my SSN ( which she did not give ) and recited my date of birth. She kept repeating the name " Attorney XXXX XXXX '' in response to any inquiry I had, as if that was supposed to scare me into paying on the spot. I told her to send any information regarding this matter to me, in writing, and hung up. 

While I do not dispute this almost twenty-year-old debt, I am complaining about the fraudulent, intimidation practices used to try and collect this debt. If I were truly being sued, I would have received formal, writren notification by now. 

I have also filed a complaint with the XXXX of XXXX Illinois ( XXXX complaint # XXXX ), as an internet search showed that this company had multiple complaints ( XXXX and otherwise ) against it. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: DE

Complaint narrative:
Account number ending in : XXXX Important information about your account ... 
Dear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, We have closed your credit card account as of the date of this letter XXXX/XXXX/2016 This action was taken for the following reason : " Inactivity on your credit card account ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I used a Discover card for several years and finally got it paid off. I called and asked them to close the account. They said they had, but I continued to receive statements every couple months despite not using the card ( I destroyed it ). After a few months I called again and requested that they close my account. I still continue to receive statements ( just got one today ) and it 's been well over a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-20 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
Attn : CFPB : I am a Discover Card holder and recently tried to pay a substantial amount on my bill. I tried to pay on the high interest rate amounts first, but was told that I could not allocate all the money to those totals and therefore I would continue to pay on these amounts with the high interest rates until I made several more payments due to the interest charges accruing each month from the unpaid balances. I am appalled that this company is trying to make an underhanded profit off the backs of hard working people like myself. I hope to completely pay off this bill by XXXX, but at this rate of Discover Card devious actions it may take longer than that. 
I am a product of the XXXX lay-offs and had to go back to school at XXXX and reinvent my career and become a XXXX. I hoped that this was a career with more opportunities and less chance of downsizing. I borrowed money from the card to pay my tuition and cashed in my XXXX and two years later I have a good job that I love. I am just starting to make a dent in the bills I have accrued. I do n't know if this is illegal on Discover Card 's part but it certainly rings of illicit criminal XXXX type of behavior in my eyes. I did complain to Discover Card 's complaint department and never received the call back that I was promised for a follow-up on my discord. I suppose that after complaining to you the ( CFPB ) that XXXX from Discover, will show up at my door and threaten to XXXX and demand full payment with interest immediately. All that aside I only wish to pay my bills and break this cycle of using credit. I am hoping that the CFPB will look into how Discover Card conducts their business and refine the modus operandi of how they gouge the public that unknowingly gets entangled in these unsavory business abuses of theirs. I realize that somewhere in the fine print of their lawyer 's jargon paperwork it probably mentioned this or ( not ), but I do n't have a law degree and in no way could I or the average person using their card would ever understand what was being said. My only option is bringing this to your attention and hoping for a change. I look forward to hearing from you soon and Thank You in advance for whatever you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: LA

Complaint narrative:
When Discover is calling, they call either every XXXX min or every XXXX minutes, usually up to XXXX phone calls in less than XXXX minutes. When I answer there is no one there and the phone call is then disconnected on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CO

Complaint narrative:
re ; complaint # XXXX ... ypu have recieved..i forgot to give you their phone # XXXX and address no physical e-mail Discover.com/XXXX invitation code : XXXX ( really )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
In XXXX, Discover notified me that they were going to replace my card due to a possible data breach that was not due to their system. I asked what vendor had the breach so that I could consider if any other action was needed on other credit cards or personal information. The response I got was that they could not release the vendors name. I did not feel that the explanation was adequate so I recently asked for clarification on the reason I could not get that information. I was again told that they could not release the information, but was not provided with the specific reason such as limited by law, company policy, or agreement with vendor. I want to know the reason for the limitation to understand if it is a legitimate reason or just words so I stop asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
My wife ran up about {$5000.00} credit on her discover card and they are trying to charge her 25 % interest. We can never pay this off. We have same problem with a XXXX credit card and they are offering no compromise or plan to help us get them paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft, and have been battling creditors since XXXX 2015. My son, XXXX XXXX XXXX used my personal information to open up several credit cards under my identity. The fraud was exacerbated by the fact that at the time he lived with me and my wife at XXXX XXXX XXXX XXXX, Ca XXXX. On XXXX XXXX 2015 I filed a formal police report and had a Fraud Affadavit notarized as recommended by both the XXXX Police Department and the Federal Trade Comission. I notified all creditors with claims against me of the facts and thus began my lengthy ordeal navigating this mess. I understand things are confusing as we both have the same name and the statements were sent to my mailing address, but this was all perpetrated by my son whom has confessed to it and takes responsibility. 

I have done alot of research and consulted with several consumer finance attorneys and understand that as a Victim of Identity Theft I have several rights and protections under both state and federal laws. Out of all the creditors only Discover Bank has brought legal actions against me, and also after being formally notified and being provided copies of both the law enforcement report and the fraud affidavit continue to disregard the facts set forth in this case. The willfull negligence and blatant disregard of the facts are concerning as they continue to find me liable for this fraudulent debt, and continue to pursue collection activity in violation of my rights under the Justice for all act and the protections handed to me by Ca Penal Code Section XXXX and Civil code XXXX -- -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: Finance of America Holdings LLC
State: MD

Complaint narrative:
This is the second complain about Urban Financial of America. Since the last complaint three months ago they are still procrastinating and doing nothing I have submitted everything they ask. This application process is still not finalized. There 's nothing else to submit. I still have not going to settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus told me if I paid an amount by a due date then my house would be out of foreclosure. I did & they kept invoicing me for " more $ ''. On three occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) their customer service employees told me to disregard the amount on the invoice as it takes their legal team several months to balance out. They confirmed that the money was n't owed. Today I learned that they filed foreclosure on me AGAIN for those legal fees from the XXXX foreclosure. WARNING!!!!! Seterus Customer Service Team is stearing you into foreclosure with their statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
disputed my account due to someone else using my account. it was never taken off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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 have a bill from XXXX for an xray done on my son that has been paid in full ( proof of payment attached ). They referred me to a collection agency : Americollect Collections. I disputed the debt within thirty days of getting the collection notice and sent proof of payment to the collection agency. I have received no further written communication from the collection agency. I have called them and they indicate that I still owe the debt per XXXX. 

The bill was paid in full on XXXX/XXXX/2015 and they are still engaged in collection activities as of XXXX/XXXX/2015.

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 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i asked for information to be removed as it was paid and released but credit reporting companies refused to remove items

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax reports incorrect low scores impeding my ability to get a mortgage. They did the same thing to my father who has an XXXX credit score. They refuse to fix the issue and in turn are affecting peoples lives.

Company response to consumer: Closed with explanation