vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I asked Discover to issue me a new credit card so that XXXX could n't find me to charge an annual recurring charge of {$59.00} for an account that was set up by my minor child without my consent. XXXX was not helpful when I called and kept asking for information I did n't know because I did n't set up the account. Discover issued me a new card with a new number and promised me that XXXX would not find me. The next year ( in XXXX ) the XXXX charge showed up on my new card! I have been disputing this since XXXX XXXX and talked to numerous people. In the end ( after disputing and removing XXXX different times ), Discover made me pay the {$59.00} XXXX charge AND XXXX cancelled the account. The last time I called, the agent conferenced in XXXX and witnessed how difficult XXXX is to deal with and that it was impossible to resolve without knowing certain information about the account ( tag number or something like that ). So here are XXXX giant companies who no longer have the ability to provide customer service to XXXX small customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NE

Complaint narrative:
Discover XXXX pay Cash back PromotionThey changed the Terms and conditions of Cash back Promo1. The terms of the promotion2. How the gift card exclusion was added several days later3. Discover is now blanket rejecting purchases above a certain amount4. Discover is requiring customers to retain receipts5. Discover does not have the requirement to keep receipts in the XXXX. This is a blatant attack on consumer privacy7. The burden of proof is shifted to the consumer, instead of the credit card company8. If Discover wants to exclude gift cards, they need to do it accurately and automatically, without the need of receipts being sent into Discover. 
if they want to exclude gift card purchases, they need to be able to do it automatically and accurately. The burden of proof does not fall on the consumer and we do not need to keep receipts. 
If they are unable to do this, then they should honor all XXXX Pay purchases with the bonus 10 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/2016 I purchased a couch from XXXX, and on XX/XX/2016 the couch was returned. The couch contains 90 % polyurethane foam which contains XXXX toxic chemicals, and I am extremely allergic to the couch. 

I contacted discover regarding the situation, and discover provided me with credits. On XX/XX/XXXX Disc. Reversed the credits stating they had contacted the vendor, but the vender never responded to Disc. I provided Disc. With a copy of the email from XXXX stating they would refund the money, and still nothing. 

So now I have no couch, and I am out {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions

Complaint narrative:
Rent recovery services on behalf of XXXX XXXX XXXX Texas. I was ill and had to return to XXXX to hospital in XXXX XXXX - still attending XXXX XXXX! There was about 6 weeks left on my lease which ended XXXX XXXX. I was given no option for return of full XXXX bed flat of furniture incl XXXX inch TV, art work etc. I owe approx XXXX in rent although XXXX advised me that they had changed locks on door, and no access to get belongings, when I let them know I was in hospital in XXXX ie before end of lease. 

This debt has been reported by rent recovery services, a collections agency on behalf of XXXX for the amount of {$4200.00} to the credit agencies, more than 100 % interest in 8 months!!!!!!! They are ensuring that this bill will rise exorbitantly month by month so can not be repaid. 

Also the value of my goods were more than {$2000.00} ( the bill ) and I was never given any option to recoup them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: DC

Complaint narrative:
I have a automatic payment deduction set up for my Discover credit card. The limit is {$2000.00}. They deducted the {$100.00} in XXXX. But in XXXX 2016 they did not make a deduction. However they reported to the credit bureau that my account was over drawn by {$35.00}. Why not make the authorized {$100.00} deduction that would have made my account {$1900.00} and avert a negative report on a customer that has never been late with a payment? Discover seems to rush to to negative reporting even when they have a real solution. I want the negative report removed. I will pay off the card and close the account. Do not need to do business with these type people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
My ex husband applied for a Discover card and listed me as an authorized user without my knowledge. After we split up, he stopped paying the bill which is none of my business, except that it is showing as delinquent on MY credit report. That should be illegal. I could open an account with them and list someone I did n't like as an AU and totally XXXX their credit without their knowledge. I think this should be illegal. I could understand if I was a co-app but I had nothing to do with that card. Discover ca n't even discuss it with me because my name is not on the account so I have no recourse. This is the only negative remark on my report and it is impacting my refinance rate/options. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Platinum Finance Company, LLC
State: KS

Complaint narrative:
Received an online payday loan from XXXX XXXX in 2008. Loan was paid back but lender kept debiting my account, causing hundreds in fees for overdrafts and my bank closing the account. For several years I 've received threatening calls from their various debt collection agencies, mainly out of XXXX, NY. The original {$300.00} loan that was paid in 2008, ended up as a {$1000.00} collection account on my credit report. After disputing this ( again ) and speaking to the current debt collector, they agreed to remove it ( again ). After the loan was paid off, the state of Missouri declared they were illegal and void, as they had no license for business in the state. Missouri is the state I lived in when I took out the loan. Every time a different debt collector contacts me, the balance changes along with the supposed date of the loan, that way they can avoid the statute of limitation. This seems to be the only company that has avoided your wrath but is as bad as they come. Hidden fees in the hundreds of dollars, threats of jail, calling neighbors, employers and in my case distant relatives several times a day and disclosing every detail about this supposed debt and claiming I was wanted. They were supposedly searching for me yet knew all of my contact information. I was an XXXX to take out the loan then, but I was waiting for my military XXXX to be approved and I have many kids. By changing the details of the loan, they keep listing it on my credit report and use yet another shady collection agency to try to take my money long after the time barring took effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I have discover credit card account. I access it from my desktop computer using Windows 10 Operating system and firefox as a browser. Every time when i try to login - this website think that I am not the right person and challenges with the security code. Either i need to get it on my cell phone or on my email. Even if i check the button " remember my computer '' it asks me again and again ... .very frustrating.I am not deleting my cookies. Already reached to Discover via secure message center but i do n't think they will be of any help. Last time they disabled my discover bank credentials also and i end up with lots of issues. Working with the online website of discover is really painful, frustrating and total waste of time. Their entire IT operations should be scrutinized. I am attaching the screen shots and the email communications. As you can thrice in a day ( today ) -I was challenged to login to my account and then it sent me code on my email. Also i checked the " remember my computer '' button also. I had been telling this to Discover for long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: RI

Complaint narrative:
I entered into an agreement with discovercard several years ago whereby they would waive late fees and cut my interest rate if i got on a regular payment plan. I have been paying them XXXX every month for several years. Earlier this year I was not able to make a payment, subsequently we entered a new arangement whereby I would pay XXXX for a set period of time. Even though I paid the XXXX in XX/XX/XXXX and XX/XX/XXXX they said they charged off my account on XXXX/XXXX/2015. I have no access to it online nor will they send me statements. I am supposed to keep paying them and if I have questions call them on the phone. I was under the impression that revolving debt had to be delinquent XXXX consecutive days to be charged off. This is not the case. Please help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC
State: MI

Complaint narrative:
I was in the military from XXXX. While in the military I got an auto loan from Coastal Credit LLC. They sent a complete copy of my contract to My command master chief before I was ever even late on a payment. After this when I was late on a payment they decided to send letters to My commanding officer informing him that my account was past due and giving him all the account details. When I got out and moved back to Michigan my truck was repossesed in the middle of the night and I was told by coastal credit and the repo comany that I could not get my Items back unless I paid off my balance. They then sold my truck which had a XXXX value of {$9000.00} for around {$4000.00}.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK
State: KY

Complaint narrative:
I got my XXXX credit card statement from Discover Card. There was a charge that I did not recognize on it. I called and reported it. They researched it and sent me a copy of the creditt card receipt. It had someone else 's name on it. Yet I am being held responsible for the charge. They advertise that you will not be responsible for charges that are not yours. Yet I am.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
I have requested several times that this company send me formal debt validation. I am allowed under the Health Portability and Accountability Act ( HIPPA ) to protect my privacy and medical records from third party parties, I did n't give permission to any of my current or prior providers to release any medical information to this third party. Please also note that withholding that information that was received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: OK

Complaint narrative:
I have missed a payment on my vehicle loan and I am willing to resolve the issue. UAC keeps contacting me at work. I have asked them several times not to call me at work, but they said that does not apply to them. Is this true?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-19 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: AL

Complaint narrative:
I signed a lease with my daughter in 2015. I received a demand letter from the apartment and replied immediately asking for more information. They did not respond and sent the file to collections. Rent Recovery contacted me XX/XX/XXXX and started reporting the collection on my credit report even though I have communicated my position in email and on the phone. They refuse to review my argument and have told me that the apartment does not have to provide any proof of the damages. 

I do not feel I have any responsibility for the debt and my argument is documented in my XX/XX/XXXX email to Rent Recovery. Please review the attached emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: IA

Complaint narrative:
I have a car lone we are late on it we talk to them once or twice a week they keep calling us in between the calls they call our references our references want them to stop and they wo n't

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I submitted payment plan and payments to my Mortgage company and also spoke to a representative stating what I was doing to bring the loan current and the payment were not put towards the loan and now my home is in foreclosure. The representative did not inform me that my home was in foreclosure. I am requesting the notes that were inputed on my account to prove that I spoke to and was assured that the payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I received notice from Florida XXXX XXXX/Dovenmuehle mortgage that my loan was being transferred to them for servicing effective XXXX/XXXX/2016 and that my present service provider ( XXXX ) would no longer accept payments. So I stopped payment to XXXX ( cost {$25.00} ) and sent a new mortgage payment to XXXX/Dovenmuehle. When I called a week later to follow up on it, XXXX/Dovenmuehle HAS NO RECORD OF MY NEW ACCOUNT NUMBER!! Even though they printed it on the very letter they sent me. Then, customer service tells me that it will probably take them another week to establish my account! Are you serious? They assigned an account number in the late notice they sent to me but do n't have it set up?? WTH?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: DISCOVER BANK
State: MO

Complaint narrative:
In XXXX XXXX we were served with court documents indicating that Discover Bank and their counsel XXXX, XXXX and XXXX filed suit against us in a debt that we allegedly owed Discover Bank. 

On XXXX XXXX, XXXX, we contacted XXXX XXXX under our XXXX XXXX service to ask for advice regarding this case. We can not afford legal counsel but through our XXXX XXXX membership an attorney was able to offer limited help. XXXX XXXX sent a letter to XXXX, XXXX and XXXX on our behalf asking for verification of the alleged debt. The letter stated that neither the XXXX XXXX Attorney nor XXXX XXXX would be entering an appearance on our behalf and that we have no money for representation in court proceedings thus all communication should be sent directly to us. 

On XXXX XXXX, XXXX, XXXX and XXXX, counsel for Discover Bank erroneously sent validation documents to XXXX XXXX. XXXX Judge forwarded the exact documents to us. Upon review of the documents it was discovered that counsel for Discover Bank provided Discover Bank Statements of debt owed by XXXX different individuals, neither of these consumers are related to myself or my husband. 

On XXXX XXXX, XXXX XXXX Judge sent a letter to XXXX, XXXX and XXXX, counsel for Discover Bank, making counsel aware of the error XXXX, XXXX and XXXX made and their privacy breach. 
Counsel did not respond to this letter and when we appeared in court on XXXX XXXX, XXXX my husband and requested a dismissal of this lawsuit due to XXXX, XXXX and XXXX ' mishandling of this case ; in sending documents to the incorrect party, and the privacy breach in providing Discover Statements ( validation ) for XXXX individuals that are not related to the case filed against us by Discover Bank. 

Counsel has responded with conflicting arguments that XXXX XXXX and our debt management company sent the wrong documents to us and that the breach was not their fault. It is impossible that our debt management company made the error due to the date we received the documents. XXXX, XXXX and XXXX represents Discover in this case as well as many others, giving them access to Discover 's Consumer information. XXXX Judge does not represent Discover Bank in any way and has no relationship with either consumer who 's private information was divulged. It is also still unknown where the validation documentation of our debt was sent initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Card had issued credits back due to unauthorized charges and non receipt items. Items include XXXX XXXX # XXXX {$1600.00} XXXX XXXX XXXX {$2200.00} XXXX {$2200.00} XXXX XXXX # XXXX {$1900.00} XXXX {$2700.00} XXXX XXXX {$350.00} XXXX {$150.00} XXXX {$3800.00} XXXX {$600.00} XXXX XXXX {$130.00} XXXX XXXX {$400.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$460.00} XXXX XXXX {$60.00} XXXX {$720.00} XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$190.00} XXXX XXXX {$500.00} XXXX XXXX {$400.00} XXXX XXXX {$370.00} XXXX XXXX {$340.00} XXXX XXXX {$230.00} XXXX XXXX {$460.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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: GA

Complaint narrative:
7 months ago, the cosigner of an apartment I resided in received a call claiming {$610.00} is owed due to " destruction of carpet '' to Rent Recovery Solutions. During the walk thru of the apartment with XXXX XXXX, the condition of the carpet was never mentioned. Unfortunately, having this been my first apartment, I was unaware that I needed to sign off on the walk thru. Never was I notified by the complex that this was owed and after receiving the call the complex claimed to no longer have my files. From the collection agency I received the walk thru letter, without my signature, showing the amount that cost to replace the carpet. The agency is unwilling to send me anything in writing stating that I owe this debit to them or that once the amount is paid in full, the case is closed. I am unwilling to pay them without the validation of this debt as stated in the Fair Debt Collection Act. I would like to take care of this as soon as possible since it has already gone on for 7 months. The XXXX XXXX hot line lead me to your sight. I am going to send a certified letter to the agency stating that I have filed this complaint and that they refused to abide by my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Out of curiosity, I contacted XXXX on XXXX/XXXX/2014 after answering a make money quick scheme type of post on XXXX. I left my information and was quickly contacted by a representative. I was told about the opportunity to make money with their proven system. I was sweet talked and after a few minutes I asked what the investment was and was told it was XXXX+. I thought it was way too much, and then I told them that I could not afford this since I had no money for this investment. I then was told that if I paid it I would have three days to cancel the program, and was told that they would help me get a credit card from Discover to cover the cost. I was given a number to call a Discover rep and was given XXXX+ in credit and then I went ahead and made the investment since I had a 3 day period to test and see if it was worth the investment. I was told that I would receive a call a day or two from the date of the contract and received a call from one of their expert instructors who was going to give me a coaching lesson on how to set up and XXXX account. I told the person that I already knew how to do this and then discovered that I was just going to be overcharged on a dropshipping business that I could set up myself. I called and tried canceling. I was told that all I had to do was call them and cancel and they would do that for me but they refused. I then emailed them and tried cancelling and the same. I tried canceling the service since it was just instructions about making an online business with XXXX via drop shippers. I contacted Discover cards and disputed a fraudulent activity from XXXX. After, Discover made a supposed investigation, they came back to ma and told me that the information provide by the merchant was accurate. Then they reevaluated my credit and said they that my credit was now a XXXX from the intial XXXX+ they had given me when I first contacted them via XXXX. Today, I am paying back the negative debt that Discover unfairly and fraudulently buried me in. I strongly believe that Discover has a direct deal with XXXX and they are a very shady company that does not take into account the consumer. I sent all the proof of the fraudulent activity from the vendor and I think it was ignored or not even looked at carefully and I would like to contest Discover on this and have the credit put back into the card and be compensated for what I have paid so far. Please advise

Company response to consumer: Closed with explanation