vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I worked a totally of four months. I was struggling to find a job and took what temp assignments I could get. I made every effort to continue to pay my discover credit card. However, when my unemployment extension ended, I was forced to drastically lower my monthly payments to {$5.00} or {$10.00} a month. Discover cashed those checks. I found work, though I am still struggling, because I am the only one in my household working ( my mom 's unemployment ran out ), I continue to pay Discover. Recently, they threaten me with a summons from a lawyer in XXXX, because Discover wants more money than I can afford to pay. This lawyer recently served me with a summons, threaten to garnish my wages and charge me legal fees. I am paying Discover, my checks are being cashed, yet they still retained an Attorney to sue me? This is unfair and is now on my credit report. I have made every effort to pay them, but I am poor and working and Discover demands something that I do not have. Please advise if you can help me or how I can help myself. They are still cashing my checks with this summons that was served for the amount of {$2500.00} that owe to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting negative information in my file and I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: DC

Complaint narrative:
I have a {$2000.00} student loan currently in repayment from Discover Student Loans. The loan application lists XXXX/XXXX/XXXX - XXXX/XXXX/XXXX as the period of enrollment but otherwise includes XXXX personal information detailing that this was a loan taken out on my behalf. The loan application also has co-signer denied but I am sure that I did not apply for nor receive disbursement of the loan. The loan application also features no information about an interest rate or origination fee. There is also a discrepancy between the principal balance on the loan application and the statements that are available online. The loan amount says {$2000.00} but the principal amount on the most recent statement says {$3000.00}. To date, I have made {$1000.00} in payments on the loan. However, I have never received a promissory note or any other communication from Discover Student Loans regarding this loan, except for multiple phone calls harassing me to make payments in a time where I was financially unable to do so. According to Discover, information that they 've received from the XXXX XXXX XXXX says that I graduated on XXXX/XXXX/XXXX but they would not confirm the institution from which it says I graduated. This is also inaccurate, as I did not receive my XXXX degree until XXXX/XXXX/XXXX. Furthermore, the customer service agent told me my loan entered into repayment on XXXX/XXXX/XXXX even though I received no communication about a change in status of the loan. I am currently experiencing the same issue, as my loan has entered into repayment only 2 months after my completion of my XXXX degree. Additionally, when speaking to customer service I was provided misinformation by two separate agents regarding my payment due date and my payment amount. I was also told that my payments were past due when they are not. Discover Student Loans has been a terrible servicer of a loan that I am unsure that was ever applied for or received and the customer service that I have received thus far regarding this issue has been abysmal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I called to put extra security on my bank account since someone had all my personal information. Weeks later I called in to see why they had not resent my debit card. Come to find out they had my address wrong ( I have had them resend it a few times and still do n't have it and they have not corrected my address even though I have requested them to every times ). They never put any security on my account that I requested even after asking for it more than a couple times. Every time I call they just say. I 'm sorry. We have no record of that! I have unable to access my account for months

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XXXX XXXX and XXXX, 2015 ( as well several phone calls and chat sessions with Discover Card customer service ), I made inquiries to why a payment of {$61.00} that was posted to my Discover Card account on XXXX XXXX, 2015, did not have the funds withdrawn from my financial institution, XXXX XXXX XXXX XXXX XXXX in XXXX, NC, until XXXX XXXX, 2015. Nobody at either Discover Card or XXXX XXXX ' XXXX XXXX could give me a direct answer. Instead, I got the " pass the buck '' routine. Neither financial institution should be allowed to treat customers this way. I have documentation available as proof of these events taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover card lowered my credit line on or about XX/XX/XXXX without any notification, causing me to incur fees for rejection of automatic scheduled payment. On or about XX/XX/XXXX Discover had sent me an e-mail asking me for income information, which I supplied. I called Discover on XX/XX/XXXX when I learned of the credit line reduction and they claim to have mailed me a letter regarding the action, I have recived no such letter. I have had this card since XX/XX/XXXX with no late payments, missed payments, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
On or about XXXX XXXX, XXXX I lost my XXXX XXXX Checkbook which had been previously setup to use as a payment account on my Discover IT account with Discover. I immediately contacted XXXX XXXX to close this account and open a new account. I neglected to update my bank information with Discover so that my new XXXX XXXX account would be able to be utilized for payments. I infrequently used my XXXX XXXX account to pay Discover, as my main account to pay Discover was XXXX XXXX. On XXXX XXXX, XXXX I scheduled a payment to Discover from my XXXX XXXX account which had been previously closed in XXXX XXXX unknowingly that I had n't updated my Discover account with new XXXX XXXX account information. On XXXX, XXXX I was notified by Discover electronically that my account was delinquent. I contacted Discover about this issue and was informed that Discover had received the returned payment back from XXXX XXXX who indicated with the returned payment that the account had been closed. This was the first time that I became aware that the XXXX XXXX information had n't been updated with Discover. Discover did reverse the return payment fee of {$27.00} on XXXX XXXX, XXXX. I 've had this Discover account since XXXX XXXX, XXXX without any missed payments. I have received credit line increases on this account which initially started at {$6500.00} and now has a credit line of {$26000.00} which is evidence of my exceptional history with Discover. I applied for another credit line increase as has been routine for me and was shocked to be declined due to " Delinquent history on your account ''. I immediately contacted Discover and spoke with Discover New Accounts and the Executive Offices and was informed that the delinquency status would remain on my account. I inquired with both departments about Discover 's claim in advertising that they will not penalize you for your first missed payment. I was informed that the delinquency status is not being reported to the major credit bureaus, but would only be maintained in Discover records. This is in direct contrast to Discover 's advertisement that they wo n't penalize you for your first missed payment, as I am clearly being penalized for being late with one payment over the course of a 2.5 years exceptional account history with Discover..

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

Complaint narrative:
I opened Discover checking account and saving account in 2013. I used them as my main banking accounts and have XXXX in Discover bank. However, I received a mail said that my accounts will be closed on XXXX XXXX without any reason. I called their custom service but they just transferred me to an auto telephone recording machine. The custom service could not find anything wrong with my account after his research. Such bank closure brings me a lot of inconvenience, and I think it is really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
I received a phone call from a XXXX XXXX at Rent Recovery Solutions on XXXX XXXX, 2015. They claimed that I owed their client XXXX XXXX XXXX XXXX apartments in XXXX, AL XXXX {$50.00} from over a year ago and that this unpaid balance had gone into collection. I explained to XXXX XXXX that I paid this balance when I moved out. I also faxed Rent Recovery Solutions a credit card statement proving that I paid this balance to the XXXX. I called XXXX XXXX back after sending the fax and she said she would take a look at it and contact the XXXX. She said that she would contact me again if there were any problems or if any other information was needed from me. I made it very clear to her that this debt is false and that I DO NOT want this on my credit report. I made it very clear to her to CALL ME if this error was not resolved. I never received a phone call back so I assumed this was taken care of. Well I just checked my credit report today ( XXXX XXXX, 2015 ) and of course this collection is now on my credit reports, drastically reducing my scores. I have called Rent Recovery and keep getting sent to voice mails and transferred around. They KNOWINGLY reported this FALSE debt on my report, even after I sent them information proving it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
Discover Card closed my account without my consent or notice. It is a credit card I kept active due to the higher credit limit on it, and it was one of my longer held accounts which has an overall affect on my credit score. I am extremely disappointed that credit companies are allowed to do this, knowing the way the credit scoring system is set up, and the detrimental damage it can cause to the consumer! This policy that these companies can use to close dormant accounts needs to be changed!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I had a complaint # XXXX. It has been closed but the issues have not been resolved, nor did I ever hear from anyone. I have a police report. Wells Fargo sent me keys to access my townhouse, but there is no keyhole to put the key in. The front door is sealed without key access. I still have things in the house, and they are aware of this. They leave messages that say, " I have resolved the issue. '' and then close the issue but they never speak to me nor do they resolve the issue. I have lost my XXXX license because I have tax information in the house that was stolen when they changed my locks and the rest is now locked in the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I deposited a check for {$16.00} from reputed company. My balance at the time with discover bank was {$3600.00} +. The check was returned due to funds availability. My bank froze my account without informing me. I found that account was blocked, called customer service, directed to different number. Called the different number and they unblocked the account. I was told Bill Pay check supposed to be out on XX/XX/XXXX ( Electricity Payment ) was not sent out. I could not verify as my Bill Payment rights were blocked again. I went and paid through my other bank account but found Discover sent the check through bill pay but did not honor it though I had more than sufficient amount in the account. Now, I am hit with NSF fees by my electricity provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I recently refinanced my house ( paperwork signed XXXX XXXX, 2016 ). Last week beginning XXXX XXXX, I checked my mortgage balance with the old mortgage lender ( Branch Bank & Trust ) to verify that the old mortgage balance had gone to XXXX. It had not. I contacted the new mortgage company, XXXX XXXX XXXX to verify the transaction. They provided me with a document that showed that XXXX XXXX XXXX had transferred, through XXXX {$270000.00} to BB & T on XXXX XXXX, 2016. I have called the mortgage lending group of BB & T almost every day since then to check on the status of the wire transfer. I have called all of the parties involved XXXX XXXX XXXX, XXXX, XXXX, and BB & T multiple times and am unable to get a clear answer on exactly what happened to the {$270000.00} ). The money seemed to have disappeared : XXXX claims they have records of the transfer and BB & T seems to have no records of the transfer. And I seem to be on the hook for two mortgage payments now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XX/XX/XXXX, we submitted proof of insurance on a property on which Nationstar Mortgage holds a mortgage ; the policy covered from XX/XX/XXXX to XX/XX/XXXX. Despite this, the insurance department of Nationstar then purchased a policy on this property and billed us for the cost. When I received a call informing me that our account was in arrears, I then faxed another copy of the proof of insurance in XXXX XXXX. They sent me a letter claiming that the policy only covered until XX/XX/XXXX. I called and spoke to a customer service representative in the insurance department. I had the XXXX pull up the proof of insurance and read me the dates of coverage. This individual read that the dates of coverage were from XX/XX/XXXX to XX/XX/XXXX. He then assured me that he would correct their error and make certain that the account would show that we were not in arrears. This was not done. The next letter I received informed me that the proof of insurance I had provided was unsatisfactory because it stated that the policy covered XXXX structures. I called and spoke to a supervisor in the insurance department and explained that the policy covered XXXX structures because there were XXXX structures on the five-acre property, a fact which they could easily verify if the merely consulted the legal description of the property. The supervisor then told me that he would " research '' the issue and call me back. He never did so. I have received daily phone calls since that date, which was some two weeks ago. Each time I answer, the caller informs me that we are behind in our mortgage payments because we have n't paid for the insurance policy Nationstar purchased for us. I then tell ask to be connected to the insurance department. When I speak to the person in the insurance department, they tell me that they are still " researching '' our insurance policy and promise to call me back when they have resolved the issue. They never do. 
The kicker is that Nationstar did this same thing to us last year. They, of course, are reporting us to the credit reporting agencies, and our credit rating has been destroyed. I had to put in a great deal of effort last year to try to repair our credit rating. Now, I 'm going through the same experience again. 
I am at my wit 's end. We own XXXX real properties and have always paid all of our mortgages on time, and we have always submitted proof of insurance. No other mortgage holder has ever done anything like this. This company has made it nearly impossible for us to obtain credit now, and we have never done anything wrong. What recourse do I have?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I received my statement from NationStar Mortgage. After applying my payments catching up my payments, even though none were late, NationStar charge me {$89.00} in late fees on my statement. On the statement stated late fee is {$36.00}. I have no idea what this figure is. I doubt they do either. I have no idea how many late fees they have tacked on to my account, but this is ridiculous. 
NationStar also applied extra interest on my account when they misapplied the Loan Modification by waiting until a full payment paid, putting funds in unapplied funds instead of payments or principle ( see adj. Forbearance suspense where they fianally applied {$140.00} - that used to be {$180.00} plus change to principal ). They have been ripping me off left and right, extending the mortgage as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
Quicken loan and fraudulent claims to get you to refinance with them. This is a VA loan, my husband served his country for 20 years to be taken advantage of and lied to so someone could make a few dollars. The lending agent from Quicken loans specifically told us our payments would be applied to our loan every two weeks as paid and not held in suspense. Once the loan was cleared we became aware of the fact that the funds that are automatically taken out of our account were indeed held in suspense until the full monthly payment is collected, plus an extra XXXX a month and then all of the funds are held until the date the payment is due. The loan we had previously was done the same way and we were emphatic about my payments being applied every two weeks. The end result is we paid XXXX in closing fees to get exactly the same thing I had before. They are auto deducting my payments every 14 days and holding them until the until the due date so we are not getting credit on the interest for paying every two weeks, nor for paying early, nor for paying extra monthly. I was directly mislead on how my funds would be credited in order to claim XXXX + in closing fees. When I complained to QL I was told that they have retrained their lenders to not tell people this but they were unable to do anything for us. We requested that they refund the fees they charged to gain my business by lying to us and we were told that was not their problem and they could not refund any money. 
XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
I have been disputing a debt Nationstar Mortgage , LLC has been trying to collect since XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Nationstar responded to a CFPB complaint declaring they were the servicer for Bank XXXX and the account was XXXX payments delinquent. On XXXX XXXX, XXXX, Nationstar 's counsel sent me a letter advising they were rescinding the acceleration of the debt. This contraverts the response on XXXX XXXX, XXXX indicating the loan was XXXX payments delinquent. Nationstar never purported to accelerate the alleged debt. There has been no activity on this account since the alleged transferred. I have never made any payments or executed any loan agreements with Nationstar. In conclusion, On XXXX XXXX, XXXX, XXXX days after the alleged Rescission, Nationstar responded to the XXXX credit dispute indicating the account and past due balances of the account were {$0.00}. Nationstar has consistently given conflicting information referencing the alleged debt. It appears they have n't done any due diligence to investigate this account ; after I 've vehemently disputed it. PLEASE HELP ... ... ..

Company response to consumer: Closed with explanation