vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
XXXX XXXX, XXXX CFPB Can you help me get these " Qualified Written Requests '' answered? 
Please consider this information petition a " Qualified Written Request ''. 
1. In the 3 month trial loan modification dated XXXX XXXX XXXX, page XXXX, it states " we ( Planted Home Lending ) will hold the trial period payments in an account until sufficient funds are in the account to pay your oldest delinquent monthly payment ''. Could you please send me a breakdown of how these amounts were distributed? Also how were the next three months payments applied? 
2. Please send me a complete escrow statement for XXXX. 
3. There have been several changes in the last couple of years as in ; sold, transferred and contracted. We need to correctly up date our records. Who is the current Note Holder on our loan?

Company response to consumer: Closed
Consumer complaint received 2016-09-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: United Consumers Inc
State: VA

Complaint narrative:
On XXXX XXXX, 2015 I had a XXXX ordered by my Doctor. Medicare refused to cover the cost. So, XXXX turned the bill over to a debt collector. I appealled the Medicare decision and they reversed their earlier decision and paid XXXX. Meanwhile I keep getting dunned by the debt collector since it appears they do not know that Medicare paid the bill and they ignore my communications.

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 2015-06-04 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
I wrote XXXX convenience checks at the same time with a promotional rate of 2.99 %. Both cleared within days of each other and within the offer time. I paid a small fee on both for the " privilege '' of using these checks. I have been charged the promotional rate on XXXX check and 15.99 % on the other. I have called and spoken with representatives numerous times and have been told every time that the issue will be handled but it has not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MCMC Auto LTD
State: TX

Complaint narrative:
I was contacted on XXXX/XXXX/15 by MCMC a car dealership whom I 've purchased a car from. They informed a co-buyer that a warrant would be issued for her arrest if we did not return the vehicle in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NE

Complaint narrative:
Discover closed my credit account without an reasonable explanation. The only reason the customer service gave is " business decision '', but no further explanations. 
It is unacceptable. I used the discover credit card daily for restaurant, gas and grocery, and paid the full balance on time each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DISCOVER BANK
State: MO

Complaint narrative:
my mother passed away XXXX/XXXX/15 and left no assetts except for this house which i am on the title.. She had a main discover debt of XXXX which i have been attempting to pay.. I am on XXXX and can not afford to make payments anymore.. Discover has been calling XXXX and sometimes as much as 7 times a day..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: TN

Complaint narrative:
Credit Cards ( Discover went boosted to my SS # identified to XXXX print report. I want help blocking with consumer protection laws inhibited with this program. XXXX has XXXX credit cards with Discover monitored and video camera tracked to my knowledge from XXXX credit counselor/disquise fly over to help in cases clearing up credit reports. USDOJ judges winging help for counselors list research help from former match time and place issues conflicting with work managers : XXXX XXXX or XXXX and fly away to help cases when working with XXXX Forum.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
My wife and I purchased a home with assistance from the Maryland Department of Housing a few months before the real estate market crash. After house prices crashed as well as interested rates, and since our family grew my wife and I moved our family to a more appropriately sized house, in better neighborhood with better schools and with significantly better terms. We rented, maintained the home in a respectable manner and made all of the related mortgage payments. Four years later we were informed by the Maryland XXXX XXXX XXXX that we were required to sell the property because it was no longer our primary residence, at what was currently a significant loss. We could also move back in, though considering our situation was unreasonable. We are unable to pay into the loss on the property due to our financial situation. We requested a Deed In Lieu with the hopes of signing the house to the lender without a deficiency judgement, which we considered reasonable considering the situation. The mortgage insurance company requested an unreasonable sum of money in order to proceed with the Deed In Lieu, which we are unable to afford. We requested better terms, however, the mortgage company and Maryland Department of Housing has proceeded to foreclose on the property and has stopped working with us on better terms. We feel that they have negotiated in bad faith with us in settling this situation without a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: AK

Complaint narrative:
I am filing this complain against AMERICOLLECT INC and XXXX XXXX XXXX for unfair business/collection practices. 
I received a collection notice XX/XX/XXXX regarding an unpaid medical bill that I was not aware of. When I called the collection agency, they only wanted my information and immediate payment. Frustrated, I told them that I was not aware of this bill and they should not be collecting it therefore, I will not be providing any further information to them. 
right thereafter, I called my doctor 's office to voice my surprise and frustration regarding the situation. I was told that there may have been some mistakes but they will get back to me very soon. I never heard from them until today, XXXX XXXX, 2016 when I received an email from XXXX informing me that my account was flagged for collection. 
I immediately called AMERICOLLECT INC and had a very complicated communication the account. I repetitively expressed my disagreement about the whole process. 
How/why am I being held hostage for an unknown-unpaid bill? 
Why has n't XXXX XXXX 's office return my phone call? 
From the collection company 's own statement, a claim was filed with my insurance and is pending. Yet, they still flagging my credit account for collection. I tried my best to tell the supervisor that my account can not be under collection as long as the claim is pending. Further, my Doctor 's office ought, by curtesy, to inform me if the insurance declines to pay the bill. I will then have the obligation to pay the money myself and solve the problem with my insurance. 

AMERICOLLECT agents want to pretend to help me while falsely assuming that I did not pay my bill and it went to collection. The supervisor wants to make be admit that she 's trying to help me. I feel insulted because I never asked for help. Should there be help to be provided, it would be for AMERICOLLECT and XXXX XXXX XXXX. I simply ask for my right to be fully respected and nothing else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: N.A.R., Inc.
State: CO

Complaint narrative:
Hello, Please refer to case # XXXX I filed a complaint with CFPB back in XXXX XXXX 2015 regarding XXXX accounts, In which they did not respond. I have sent another letter to North American Recovery with again no response. I am filing another complaint as this is unacceptable. Please review this and take appropriate action. 

Original complaint : Hello, Upon review of my credit file with XXXX and XXXX I noticed XXXX collection accounts from N.A.R. ( North American Recovery ). I had no idea who this company was or the money stated I owe. I filed A dispute with XXXX and XXXX for validation. I also sent A Certified letter directly to N.A.R. requesting validation/verification of debt. In return N.A.R. sent me a statement from their own company not from the original creditor. I have no knowledge of any account with XXXX XXXX at XXXX ( original creditor ). XXXX and XXXX returned with their investigation stating these account have been validated and the accounts belong to me? Again I sent another Certified letter with my full communication of this matter requesting proof of this account from the original creditor and/or where this account supposedly came from, It was returned to me unopened stating " return to sender '', " unable to forward ''. I verified the address on the envelope with N.A.R. 's listed address and it is correct. I am unable to proceed with this investigation and XXXX and XXXX are refusing A re investigation stating account has been previously investigated and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
1 ) Discover Bank closed my checking account without any notice. 

2 ) Its customer service rejected my request of transferring my money XXXX more than {$2000.00} in balance ), and sent a check to my old address. No chance was given to correct the address error, even if I pointed out the mailing address is out of date. 
Note, my above conversation with Discover Bank was before the final check was issued. 

3 ) The online bank system was not working properly. After my checking account was closed, Discover Bank continued sending online bill pay checks to at least XXXX of my billers, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank, etc. 
These are absolutely unacceptable mistakes conducted by Discover Bank, which intentionally incurred returned check fees from my billers to me, totaling over {$100.00}. Before these checks were sent out, Discover Bank customer service representative even confirmed with me that no money or check would be sent out since my account had been closed. 

4 ) According to Discover Bank 's term and statement, my checking account had cashback rewards when it was closed. I do not have any proof showing Discover Bank paid me for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have federal student loans with Navient. I went into repayment around XXXX and had signed up for the income based repayment. I soon realized that I would n't be able to maintain my repayment amount and called to find out if I could have my payments reduced or if there we 're any other options available. The loan office I spoke on XXXX XXXX 2016 to told me that my payments could n't be lowered and that my only other option was to put my loans into forbearance unless I provided proof with pay stubs or taxes that my payments were going to be too much to manage. I signed up for the forbearance which was approved XXXX XXXX 2016 and ends in XXXX but I still feel discouraged and doubtful about my loan repayment. The officer was not understanding at all and now I 'm accruing more interest when I could have been paying an amount that would be suitable for me. I was also unaware of a delinquency notice I received and was not told about it when I first applied for forbearance in XXXX of 2016. Meanwhile the notice was sent to me in XXXX of 2016. I believe that people should really reach out to you and no only when they want you to pay a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Eastern Management Group LLC
State: CO

Complaint narrative:
I owe a bill of {$440.00}, they 're wanting a total of {$660.00}. They 're tacking a extra {$200.00} on the total. I can pay the {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I opened Discover Online savings account as per the promotion mentioned in XXXX. Everything was done properly and after meeting the terms and conditions ( opening the account by XX/XX/XXXX and depositing $ XXXX before XX/XX/XXXX ) - I was awarded {$100.00} as cash back bonus. At the time of account opening process ( as i had the discover credit card ) - it simply asked me all the information ( userId, password of discover card to login ) so that it can auto fill all my information. Even after that i was given XXXX user id-one for credit card and another one for discover bank account? Why?? It 's not the case with every Discover card member. When i called today during XXXX to XXXX pm - i was told it is due to security reasons ... that was absolutely wrong answer ... are remaining millions of discover customers not secure. My other problem is - i tried to do the transfer of {$15000.00} to my XXXX checking account and that transfer was scheduled also ... but then Discover send me an email that they are suspending my funds transfer facility ... i should call at this # XXXX to reactivate that. I was told that they are 24 X 7 ... when called today during XXXX to XXXX XXXX ... after going all the validation questions ... the customer service person told me that i need to call tomorrow as the team which is suppose to talk to me is gone for the day?? why discover is lying here ... why they are saying 24 x 7 when they are not? i asked them to call me when they can ... later i asked them to close the account and send me the money into my account by check at my registered mailing address ... .she refused for that also ... telling that unless that team will talk to me ... they ca n't close the account either ... this is unacceptable ... neither they are providing good service nor they are letting me have access to my own money in the name of security and other useless reasons.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had a debt with Discover card charged off in 2007. The seven years have passed and the debt/collection has been removed from my credit report. Subsequently, today I received a XXXX debt cancellation from discover card. It is my understanding this tactic has received numerous complaints. Additionally, this is old debt. Why did they not issue this over 10 years ago? Please advise. I clicked debt paid because there was not a better selection. The debt was charged off 10 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is ANOTHER example, of my statements, the information, JUST BEING SO SO SO SO SO WRONG. 

I want $ XXXX for ALL THE TIME wasted on THIS NONSENSE, the {$2500.00} should pay off the remaining amount that I need to pay DFS XXXX whatever is leftover- XXXX 's just categorize it as time lose, both on my part and from all the different parties that have been contacted by be. 


How can a dispute that was REFUNDED- be claimed as a valid charge? Unacceptable- I can not micromanage this account anymore, {$2500.00} to no longer deal with this headache and for me to end my membership- so DFS no longer has to deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I initiated a wire transfer on XXXX/XXXX/15 through discover bank. I did not receive a receipt for this wire transfer upon payment, and after calling and requesting a receipt, I was told it would take a few business days for them to mail me a receipt, which is in direct violation of terms set forth for a wire by cfbp. The wire has still yet to be received by the recipient, nor has it been refunded to my account. I would like the wire to either be completed or refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
on XXXX XXXX, XXXX, I open new online saving account and Discover Bank will give {$100.00} bonus by XXXX XXXX, XXXX. But Discover bank never gives me {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
Discover personal loans sent collection letters to my partners residence, which is incredibly invasive as i have never resided there, used them as a credit reference, or have any credit affiliation with my partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
Good Morning, I have a complaint about how discover card applies minimum payment every month. I have XXXX different interest rate that cover XXXX different balances. for example i have a balance of XXXX with a 14 % int, a balance of XXXX with 17 % int and a bal of XXXX with 21 % int. The XXXX balance is on older purchases and the 14 % is on new purchases. When they calculate my interest charge for the month, they have XXXX different interest charges from the XXXX balances. Each interest charge is added to the respective balance for example the int charge for the XXXX at 21 % is added to the XXXX balance. However, when I make my min monthly payment which includes the interest charged on all XXXX balances, the min payment is applied to the balance with the lowest interest rate. That means the balance with the high interest rate keeps going up and I am charged interest on top of interest for the following months. The min payment should be applied to all XXXX balances. Meaning interest charged at 22 % should be subtracted from the min payment because the min payment includes the interest charge for that month. This is a deceptive practice that discover card is practicing and has been practicing for years. It will take a lot of math to calculate how much I have lost due to this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
DISCOVER CARD PUT NEGATIVE REMARK " CLOSED BY LENDER '' ON THE CREDIT REPORT BECAUSE I HAD TOO MANY DISPUTES AND FRAUD CASES OPEN ON MY ACCOUNT! DISCOVER FAILED TO PROTECT XXXX FROM COMMITING FRAUD ON THE CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
On XX/XX/XXXX, I placed a fraud alert on with XXXX and obtained a credit report. I discovered that several entities that I do not have accounts with obtained my person information and conducted unauthorized credit inquiries with the credit reporting agency XXXX. Discover Financial Services conducted unauthorized inquiries on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am retired aged XXXX years. I lost my job in XX/XX/XXXX. 
Now my main source of income is retirement benefits from social securityJob loss and XXXX surgery to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loan without any back payments. and defaults. 
My main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high interest APR. 
Requesting all the credit card companies to reduce my interest rate to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover Finance has been calling about my credit card debt. This is Sunday, XXXX XXXX. They have called XXXX times today. They call XXXX or XXXX times everyday. I have contacted them XXXX times by mail. I have explain why I can not pay pay now and proof of what I am going threw. They will NOT work with me. Discover number is XXXX XXXX XXXX. They peatedly use the phone to annoy me. Knowing I have very poor health.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
i am trying to explain my credit card company, discover card about my issue concerning a unauthorized charged from a sharing vacation company, named holiday vacation.i sent an email from the company as a proof saying that the have refund my money and cancel off my contract. i was trying to contact them, but i couldnt. i talked to my credit card bank discover and they say that they have made a decision about my case and not to refund my money. 

discover bank is not really helpful. they didnt research very well. 

i am very worry about that. please help me up with this matter.

Company response to consumer: Closed with explanation