vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
After agreeing to XXXX automatic payment withdrawal from my checking account, and after paying off my credit card balance with Discover Card I received an email stating that my credit line was being reduced and that my account would be closed within 30 days of receiving the email letter. My Discover Card account was opened on XXXX XXXX, XXXX and was in good standing with the exception of XXXX 30 - 59 day late payment in XXXX XXXX. After viewing my XXXX and XXXX credit reports, I saw that Discover Card had purposely deleted XXXX years of positive credit reporting for the years XXXX, XXXX thru XXXX XXXX on XXXX credit bureau report and the years XXXX, XXXX thru XXXX XXXX on the other thereby making my credit history look much worse that it actually is, which seems to be a common practice with credit card issuers at the present time. Discover will also be reporting the reduction of my credit line shortly and will follow-up by closing the account in another 30 days thereby manipulating my FICO to be even lower. My credit card account with Discover was past due XXXX time in seven years, and I do n't see how they could possibly perceive that as a bad credit risk to them and them alone. My FICO score has been manipulated in the same way for the same time periods for multiple credit card issuers, and I will be submitted individual CFPB complaints on each and every one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
Dear Sir or Madam, I am having a huge issue with my Discover Credit Card. I have been a member since XXXX with outstanding credit and never missed a payment. I changed credit cards and during the transfer process Discover Card is billing me twice for the XXXX XXXX statement. They included the transfer balance of {$1000.00} on the XXXX XXXX Statement and showed that I paid it on XXXX XXXX, XXXX but also included it as purchases so they are billing me again for the balance of {$1000.00} on the XXXX Statement thus inflating the XXXX Statement to a {$1800.00} balance. 
Since I discovered the issue ( which was right away as soon as I got the statement ), I have spoken to XXXX different people including XXXX supervisors who all claim that they see the issue and they will fix it. Guess what? No one has fixed anything. My balance is still inflated with a statement due in a couple of weeks with the wrong balance. Not to mention that I am shopping for a property and my credit is pulled by lenders who see a wrong inflated balance. 
I am beyond frustrated with Discover Card, a company I thought was professional and had good controls regarding balance transfers. Every time I called, it was the same process. The main contact would transfer me to billing ( after keeping me on the phone for about 30 minutes ), then the billing admin would transfer me to a supervisor who would tell me after 45 minutes that they will need to further investigate. How much further investigation is necessary for a credit card leader such as Discover? I am a XXXX and to me it is very obvious : beginning balance + purchases - payments = the balance that I owe for the XXXX statement. However, Discover thinks the following formula is true : beginning balance + purchases - payments + purchases again = ending balance. 
I really hope you can help me at this point because I really do not know what to do. Maybe actually showing up at their billing center and fixing the problem myself might be best? Please call or mail them a letter. They need to go ahead and not rob me of {$1000.00}. I am a single mom and am on a tight budget. This is what I call - taking advantage of the customer and I really do not appreciate it. 
Please call me with any questions as far as if you need further details about my situation. My name is XXXX XXXX and my phone number is XXXX. Thank you for you help. I hope your organization will actually do their job unlike Discover Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was a discover card holder as of 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

About a XXXX months ago ( XXXX XXXX ), without any warning and notice in advance, the company closed my account and thereby wiped out my 3 years of credit history associated with Discover card. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. 

Most importantly, I have about {$1100.00} cashback bonus in my account when you close my card, and I was told by discover agent that they will return my cashback bonus in two bill cycles. But I wait for two bill cycles, and get nothing from them. 

Today ( XXXX. XXXX ), I called them about the cashback bonus. They told me that when my account was closed, the cashback bonus " was forfeited ''. However, in their website, they say that " We will credit your account with your Cashback Bonus balance if your account is closed or if you have not used it within 18 months ''. 

As a credit card company, the most important thing is to fulfil your promise ( contract ) with consumers. But now, this company uses its real actions to prove that they do not follow the contract. 

Moreover, upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX ) without a just ground. I believe that CFPB is or will be getting more similar complaints in the near future. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put in an end. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
Residential Credit Solutions ( RCS ) forced me to use an escrow account, despite having no legal authority to do so. I request that all funds that were held in the escrow account be returned and refunded to me immediately. It is the only ethical thing for Residential Credit Solutions to do. There was also an overpayment in the amount of exactly {$130.00}, I request that this amount be refunded as well. 

Please see the attached letters from my lawyer, XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. These letters clearly narrate and state the abuses committed by Residential Credit Solutions. I have paid my property taxes on time for over ten years now, without ever missing a single property tax payment. I do not see why RCS assumed the responsibility of paying my property taxes, and without my permission or consent. RCS had no legitimate or logical reason to do this. Please see the attached XXXX RCS statements and XXXX of my own bank statements that show the amounts that RCS was charging me in escrow fees. Please note that my monthly mortgage loan payments are exactly {$2600.00}. 

Finally, Residential Credit Solutions informed the Consumer Financial Protection Bureau that they were in fact going to help my refinance my mortgage loan. Please see the attached letter from RCS dated XX/XX/XXXX. They did not help me, they instead transferred the servicing rights to my mortgage loan back to XXXX XXXX XXXX. Please see the attached letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Dovenmuehle was transferring our mortgage servicing to their other company, XXXX, and we were in process with another lender in refinancing the mortgage. When the loan was paid-off in full, they reported it as a short sale, which has seriously damaged our credit. I called XXXX, as their name is showing on my credit report with the short sale information under their loan # XXXX RUSHMORE XXXX. I USED THE PHONE NUMBER ON THE CREDIT REPORT UNDER THIS ENTRY. I SPOKE WITH THEM SEVERAL TIMES TODAY DOING WHAT I COULD TO GET THE FASTEST RESOLUTION TO THE INCORRECT INFORMATION. After faxing them the credit report to show what they had done, calling several times, I was n't getting immediate attention to this issue and asked for a manager, then they told me I had to call their other company XXXX they are apparently related ) who transferred the loan to them, Devonmuehle. I called them and they were closed before XXXX XXXX XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Global Asset Management Group, Inc.
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I received a harassing call at my place of employment from a man by the name of XXXX XXXX from a company by the name of XXXX XXXX ( Address provided : XXXX, CA ) XXXX. XXXX XXXX said they handle legal claims prior to litigation. XXXX XXXX also said this was an account I had opened with XXXX XXXX in XXXX XXXX and that the last payment was made in XXXX. I informed XXXX XXXX that I never applied nor I have a credit card from XXXX XXXX. He said that if I did n't settle right then, I would be taken to court and be liable for their legal fees. I asked XXXX XXXX to stop calling and especially at my place of employment, he told me see you in court!. 

Today, XXXX/XXXX/XXXX, I received another harassing call from a woman from the same company saying she was handling my law suit and that I needed to pay or else I would be taken to court and be responsible for court and legal fees. She said I had opened an account at XXXX XXXX in XXXX and purchased items that I never paid back. I told her I had never had a credit card from XXXX XXXX, but cut me off and threatened me with garnishing my wages and going after any assets I have, including bank accounts and property if I did n't pay them. She then hung up on me. Both people from this company were very threatening and made sure that my place of employment knew they were calling about a legal matter.

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
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: OK

Complaint narrative:
We heard a radio ad from a talent ageny in XXXX XXXX that was being hekd called The Event asking to bring your children for an audition. Would your child like to be a XXXX star? They sold us a sales pitch scam for {$4700.00} and are in no way affiliated with XXXX. I later went home and did some research finding out this company is a huge scam. I tried calling the number but it was a XXXX you 've won a {$100.00} XXXX XXXX gift card. I then faxed a certified letter saying I do not want their sevices and I would like a full refund. I received a letter stating they will not refund my money because it was past the XXXX day contract period but I can attend a later event for an extra {$1000.00}! I have written letters to XXXX district attorney offices and filed a complaint. XXXX in XXXX XXXX where this happened and in XXXX where this company 's stated their address was on the flyer we received. Neither received a response and the address is not valid. I also went to a small claims court free class and they suggested I sue my credit card company because it would be hard to find this company since it was all a scam. I contacted my credit card company and they have refused to help! They said you signed the contract but I tried to explaining it was all a scam and that I never received any services from this company at all and it 's fraud! They still refused to help. It is now a charge off on my credit. I also had the XXXX office write up a letter stating that I would be taking them to small claims court if they do not refund my money. I never received a response just like both attorney general offices who have tried to contact The Event. I have attempted to try to get this fixed for the past couple years but havent been able to contact this company at all. I would like to make a report against The Event and also Discover credit card company for not helping me when there is a reason they have the fair credit card act. I would like to find out if there is anything I can do to get this off my credit. I would others to be aware of this scam company!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I opened a savings account with Discover Bank under a promotion they offered promising a {$100.00} bonus after meeting certain requirements. I met the requirements, confirmed with Discover customer service that the requirements were met, and never received the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CT

Complaint narrative:
Discover card is reporting that I have a joint account with my husband. The account was opened before I even knew him. It was opened XX/XX/XXXX. We did not get married until XX/XX/XXXX. He added me as a user on the card. They had none of this information on me when I called they did n't have my dob XXXX/XXXX/XXXX my ssn XXXX and my marriage date of XXXX/XXXX/XXXX. This is preventing us from getting a rental which is larger than what we have. I have not filled out any application and they did not have the above stated items. I would like the reported part removed from my correct report and the judgement removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am currently enrolled in Discover Student Loan system. 
When I signed up, I was aware that I have grace period of 6 months after estimated graduating ( to find a job to start repayment ). However, As soon as 1 year mark ( which I was enrolled in school, when I did n't have to pay back ), I got a notification from XXXX, collector saying my first bill was due this month. I have n't finished my degree, therefore, I 'm still a XXXX student, and I can barely get my ends meet. And couple days ago, I heard that Discover was fined and as I was reading through, I found that I have to contact CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Once before I had called Discover to have them lower my interest rates and was told that they can lower the rate to 13 % and as a result, my account will be put in a suspension status for a year and so I took the offer. I have my account setup for automatic debit for the last few years so I have an excellent record of paying my bill on time with them. A year passed and they removed the suspension and the 19 % apr returned. I once again took advantage of this offer again last year, it will expire in about a 2 weeks so I called Discover and asked them if I can be dropped early without any penalties, because I needed to use my card to make a large purchase. I was told that it should n't be a problem and I should be able to use my card. I tried to use my card but it kept getting declined so I called Discover to find out why it was being declined and was told that it is still suspended. I was also told that it will remain suspended until it is goes for review. I thought that once the offer expired my account will return to the way it was previously. Now I was n't told about this but of course they send everything in writing. I guess I am a little upset that these credit card companies have so much power and control to withhold credit just because I tried to get them to lower the large apr on my account. Not only that, they have easy access to my credit reports which I am starting to be suspicious of now. I would like to know if that is allowed and what can I do to remove my information from Credit Reporting Agencies completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Ingo Money, Inc.
State: CA

Complaint narrative:
Ingo money has closed my account for no reason. When I asked, they replied I have violated terms and conditions. I questioned what part of their terms & conditions I allegedly violated. I received no response. 

I have never presented ingo money a check for processing that was returned, unpaid, or any other issue. All checks I have presented for cashing cleared perfectly. 

Ingo money is punishing me for no violations.

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
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company
State: OH

Complaint narrative:
Focus Receivables Management keeps calling my home phone. I have no delinquent debt to be collected.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: PA

Complaint narrative:
Wife loss her job for medical reasons and may not return to work. A request to modify our loan was denied by Planet home lending because we where only XXXX months late.

Company response to consumer: Closed
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc.
State: GA

Complaint narrative:
this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received. 
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Medical Which of these best describes your issue? Cont 'd attempts collect debt not owed : Debt is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 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: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NJ

Complaint narrative:
I had cancelled XXXX phone line XXXX years ago, but kept the line for my daughter to use XXXX. We cancelled this line after paying in full at the beginning of this year. I 've endured numerous phone calls from XXXX XXXX since. I 've been told the XXXX number was on hold due to my being XXXX but had recently been re-activated ( I never have been in the military and never told them this ), and I 've been told I owe everything from {$100.00} to {$16.00} to {$47.00} ; sometimes their reps were rude and aggressive. Every time I called them, I had to wait on hold, sometimes for over an hour, to speak to a service rep. and each time I called I got a different story and a different payment amount. Each time I called, I requested and was promised documentation of the call. Sometimes I requested and was promised an email which of course never arrived despite repeated follow-up calls on my part. XXXX XXXX just kept sending me bills in different amounts as if I 'd never called. Now it appears that XXXX XXXX has engaged the services of Chase Receivables, a XXXX XXXX XXXX in XXXX, CA who have written with a demand for payment. I sent them a request for documentation and received no response. I then sent them a formal dispute of this charge and wish to ensure that my credit rating is not affected negatively. I cancelled my accounts and paid in full, only to have XXXX XXXX continue to attempt collection in various amounts over the course of over 4 months. I simply do not owe them this money and they 're just hounding me until I give up and send them a payment to make them go away. Disgusting way to treat a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Unique Management Services, Inc
State: CA

Complaint narrative:
I specifically instructed the debt collector to cease contact with me, and they have continued to send me harrassaing letters demanding money from me that I do not owe to them. I have no business with Unique Management Services, and I have told them this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NM

Complaint narrative:
In XXXX 2014 I became a XXXX American veteran, which granted me a tax exempt status for paying escrow taxes on my mortgage. My mortgage company is LoanCare. I have repeatedly sent them letters ( XXXX to date ) to contact my local tax assessor office and to cease paying tax escrow. To date they have refused to respond, nor have they stopped taxing me. Thus far I have paid hundreds of dollars into tax escrow that I am legally exempt from.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
MY BANK ( BBVA COMPASS ) DECIDED TO FREEZE MY ACCOUNT. I WAS NEVER NOTIFIED FIRST OF ALL AND NOW MY SOCIAL SECURITY CHECK WILL BE DEPOSITED INTO THAT ACCOUNT AND I HAVE NO WAY TO GET IT OUT. I KNOW SOCIAL SECURITY XXXX CHECKS FUNDS ARE EXEMPT FROM BEING FROZEN SO I HAVE NO IDEA HOW TO GET MY MONEY FROM THEM.

Company response to consumer: Closed with explanation