WillisBack/dataset-financial-user-claim huggingface dataset:
The Discover card offers an extended warranty that appears in the list of benefits ; their website states " No need to worry about expired warranties. We will extend the terms of an existing eligible warranty for up to XXXX additional year on warranties of 36 months or less '' and further states this is " Available to all Cardmembers ... This exclusive benefit is available to you as a valued Cardmember. We 've got you covered when you use your Discover card. '' The reason for my complaint is if you decide to utilize this benefit and file a claim, the claims process ( which is administered by a third-party ) requires an official repair estimate to be submitted and this may have a cost -- thus, in order to use the Extended Product Warranty benefit, a consumer may have to pay an un-reimbursable expense that is not covered by Discover or their assigned third-party claims processor. 

In my particular case, I have a XXXX TV that failed after XXXX 's original one-year warranty. After filing my claim and providing all other requested documentation, I have found that there are no " free estimates '' available from authorized repair facilities. All repair providers require an upfront fee of {$99.00} to {$140.00} for an in-home estimate, the cost of which may or may not be applied towards the actual parts and labor repair. Discover will not cover this cost, and thus, this is not a free benefit. Contrast this to any standard manufacturer 's warranty that would not require any cost to initiate and finalize a repair or replacement and you can see that Discover needs to address this issue as this benefit is not actually extending the original warranty and this is deceptive. 

My request is that Discover amend the " Extended Product Warranty '' Terms & Conditions advising consumers " that any cost for an estimate is not included in this benefit '' or that they would reimburse the cost of any estimates paid for by a consumer as part of the claims payout process. 

I have contacted Discover already about this issue, but do not have confidence the company will take my complaint seriously so this is why I have elected to bring this complaint to the CFPB.
Purchased a used Toyota from a Toyota dealership in XXXX XXXX, financed directly through Toyota and paid the loan off a year later. In the middle of my loan I moved to a new house and did everything I needed to update my address information with XXXX XXXX XXXX XXXX XXXX XXXX XXXX so that they would have my correct address and contact information. Fast forward to today and I go to sell my car and purchase a new one and realize I never received the title to my vehicle after paying it off in XXXX XXXX. I called Toyota and they told me they sent the title and lien release to my old address and they are not sure why because they confirmed they did have my new address on file. They also stated they never received my title in their returned mail and have no idea where it is. I tried to order a new title from my state and rush it so that I could have it to sell my car this weekend and my state then informs me that they can not even release my title because Toyota never released the lien and the title is still showing that it has a lien against it. So back on the phone with Toyota who tells me they cant fax a lien release with out me being at the state office which is 2.5 hours away. After some arguing they agree to fax the release but not for 2 business days, so now I have to wait 2 business days to even order a title and wait 10 business days to even receive the title. At this point I will probably lose the sale on my vehicle which will cost me {$13000.00} and I probably wont be able to purchase the new vehicle I intended because I wont have the money for the down payment. 

Toyota is responsible for sending the title of my vehicle to the wrong address after I did everything I needed to do to update my address information with them and now I am the one dealing with the mess. All I asked Toyota to do was rush the release of the lien to the state and they tell me I have to wait in a queue for it to be released and it can not be rushed. I did n't think that was much to ask after the mistake they made by sending the title of my vehicle to the WRONG address. 

Unfortunately I no longer know my account/loan number but my name in their records is XXXX XXXX with my current address of XXXX XXXX XXXX XXXX, Maine XXXX
I had several IRA accounts that were held by XXXX. In 2013, KeyBank bought these accounts from XXXX. In XXXX of 2013, KeyBank closed these accounts - without my knowledge or permission. They supposedly mailed a check to me and they reported this to the IRS as they are required to do. 

I knew nothing about any of this until I received a bill from the IRS a few months ago, stating that I had unreported income in 2013 and owe them several XXXX dollars. 

KeyBank states that sometime in 2013, prior to them closing my accounts, they mailed a form to me to sign if I wanted to keep my IRA accounts open and active with them. I never received this form. I never received the check KeyBank issued in 2013. I never received a XXXX for submitting with my 2013 taxes from KeyBank. Any XXXX of these items certainly would have raised a flag with me.. 

I have been in contact with KeyBank on a very regular, often daily, basis trying to resolve this issue. They finally researched and agreed that I never received the funds. They are willing to send me a replacement check ( for POST-tax funds, not PRE-tax funds as the accounts were established ) *IF*, and only if, I sign an indemnity form holding them harmless and promise no legal action. This is as far as they are willing to work with me. 

I have attempted to contact XXXX XXXX XXXX XXXX, their Chairman and CEO, for assistance, and she passed my request on to their Executive Support Department. The executive customer support department maintains the same position, that this is solely my problem and that they will issue me a replacement check ( post-tax funds ) if I sign an indemnity form holding Key Bank harmless in all of this. 

Frankly, this is an unacceptable resolution. 

KeyBank is unwilling to : Take any ownership of the mistake they made Take any corrective actions for what they did Provide any documentation to the IRS on my behalf indicating that I did not receive these funds in 2013. 
Correct their mistake and either reopen the accounts or roll these funds into another tax deferred account - funds that they have been in possession of this entire time. 

KeyBank states that they are unable to because it would have to be a new account and IRS contribution limits apply. Frankly, this statement is a bit nonsensical to me. They closed the original accounts without my permission ; they can certainly go back and re-open them, especially since they have been in possession of my funds this entire time. It is really amazing to think that I can be made to pay taxes and penalties on funds that I never received. 

KeyBank needs to, and has the ability to, correct this situation by maintaining my funds in pre-tax status and submit amended and corrected information to the IRS, but they are unwilling to do so.
XXXX I recieved a phone call from an XXXX speaking person claiming to be from XXXX telling me that they have been alerted that my computer was corrupted. They told me that the XXXX anti-virus software that came with my computer was not strong enough to correct the problem and they got me to purchase another software for {$250.00} which I put on my SunTrust credit card. They gave me an XXXX number to call if I had a problem. When I called that number it did not go to XXXX, it went to another company. I then called XXXX directly and told them what happened. They told me I had been scammed and that these people had no connection to XXXX and to take the software they installed off my computer before it got further corrupted. They said they would never call anyone saying their computer had been corruptedWhen I found out I had been scammed I called Suntrust and told them what happened and they took the charge off my card. 6 months later in XXXX they put the charge back on my card saying it was a good charge since I authorized it even though I had been scammed. I refused to pay the charge and they took it to a credit agency. My credit was reduced from XXXX to XXXX. I now have a hard time getting a credit card. I have contacted SunTrust with all kinds of documentation proving the scam but they refused to change their mind. The internet is full of very same story where this company has been calling XXXX 's of other people just like me claiming to be from XXXX and that their computer is corrupted. SunTrust does not stand by the people who bank with them. I would never do business with them again.
XXXX has been trying to collect a debt that is not mines. This debt has been removed from my credit reports before and has now been placed back on my reports by a different collection agency. As well it was placed on my credit with XXXX different amounts.
I paid off my vehicle loan thru GM Financial on XXXX XXXX, XXXX. I still have not received the lien release, so I called today and got the run around. They show a letter was mailed out on XXXX XXXX, XXXX. However I never received the letter. They refuse to send out another lien release, instead they are blaming the snow ( seriously, XXXX times they blamed the snow, which came AFTER the letter was mailed. Snow has magic powers on the XXXX apparently ). I had to demand repeatedly to speak to a supervisor, and she directs me to a website GM runs that I can request the letter for a {$23.00} fee. That lien release is required in their contract with me, and yet they are first giving me the run around and then when I do n't just hang up and go away, they instead try to shake me down for more money. They spent the life of the lease shaking me down for additional fees for everything from making payments to getting copies of the title faxed to attorneys to getting to talk to a live person about my account balance not being correct. Now they will not provide me with that lien release unless I pay an additional {$23.00}. I have no other recourse as I have to have that letter in order to get my copy of the title. I want my lien released, I want my proof of that lien release, and I am not paying GM Financial another cent for them to do what they are required by law to do.
Between XX/XX/XXXXand XX/XX/XXXX, I paid off the bill of {$75.00}, in its entirety, to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX and it appears that the information was not removed nor did I receive a receipt of payment stating that I paid the bill even though my bank statement proves that I paid the bill.
Hello, This complain is regarding Coinbase. I have over {$10000.00} cash that I have wired to my Coinbase account. They have indicated that they have accepted the wire and credited my USD wallet. I also have over {$8000.00} value of Litecoin and Bitcoin that I have purchased. Here 's the problem : I ca n't access any of it. They wo n't let me purchase more bitcoin. They wo n't let me take the money out. They wo n't let me do anything with it. They indicate ( via automatic notification ) they need to verify my identity. I have given them all the information they have asked for including a photo of my California Driver 's License. I requested help from support on XXXX XXXX, XXXX. No response from them other than an automated response that says " Due to increased volume it may take several days to receive a response. '' I have read  online on other forums that other people are having the same problem. They are n't getting a response after waiting weeks. I do n't have weeks to wait to use my own money. It 's not right that I ca n't access it as they claim I should be able to do. Please help!
On XX/XX/2018, i checked my account and noticed an unauthorized pending charge for {$19.00} from XXXX. I contacted the vendor corporate office and spoke with the financial service department. They ran my debit card number through their system, and they did not locate an account using my debit card. I have never used XXXX  's services, because they are free. I contacted Navy Federal, and was told i can not dispute the charge because its still pending. Well that pending fraudulent charge caused more issues. The money it deducted from was my car note, in the amount of {$580.00}. Because they can not reverse the pending fraudulent charge, they returned my car payment stating " insufficient funds '', but ALL of the money was available until my account was fraudulently used. NFCU then states that I will be assessed a {$29.00} fee as a result. This bank is more susceptible to fraud than any other bank. This is the SECOND time my account has been compromised and the SECOND debit card. This is absurdity.
On XXXX XXXX, XXXX I sent a certified letter to Portfolio Recovery Associates asking for them to validate a debt of mine that had been sold to them on XXXX/XXXX/XXXX. I received validation of this debt from them via mail on XXXX XXXX, XXXX. This letter validated that they had purchased the debt in the amount of {$2200.00}. On XXXX XXXX, I replied to the validation with a letter sent certified mail explaining the situation and offering to settle the debt for {$1100.00}, and also asked that the account be reported as paid in full to the XXXX major credit reporting agencies once they received payment from me. I received a card back from the United States Postal Service stating that a XXXX XXXX received the document on XXXX XXXX, XXXX. I have not heard back from Portfolio Recovery Associates since sending that letter- nearly three months ago. I would like to get this debt settled but have not received a letter accepting or denying my settlement offer.
I have was contacted by MCOA back in XX/XX/XXXX. stating that my Driver Licenses would be suspended for tickets that was on a car that I co-signed for. I then told them that I did n't have the car and asked if the that has the car been notified yet.They told me no they had the right to go after me and not him and that they did n't suspend his. Also, I then told them that he had filed bankruptcy on XX/XX/XXXX and gave them the case number and told them they are trying to get double payment, they told me oh well and that I would have to pay as well because it was my name. On XX/XX/XXXX @ XXXX XXXX I spoke with XXXX XXXX and she stated that even thought it was filed that it was now out of her hands and that it was a part of the bankruptcy department and that she no longer had anything to do with this. I spoke with the bankruptcy department and they said that yes they have the case information but I had to speak with his lawyer to have them get my licenses back. When I explained to them that I have no contact with him they said oh well they would keep them. I also stated that I was on my credit report as well, she said oh well. ( they have removed the tickets )
I had Wells Fargo for many years and had to switch about two years ago as my questions about service charges, transfer charges, all sort of charges and get never get a resolution. I was even charged {$90.00} for a check to was returned ( was not to have happened as husband WAS added to account ) My late husband left me a large amount of money and when I went to bank for help with accounts etc., I was told to open XXXX different accounts with {$30000.00} in each account and if needed money, I could transfer between accounts. Why not put it all in XXXX account or XXXX at most. The girls last name was XXXX here in XXXX, WY. My many attempts to get help from the local branches was stonewalled by all local people. XXXX woman at the XXXX branch tried to help and must have been told to back off as she told me that even if her supervisor looked at my account and there was nothing they could do, really!!!!! I looked at all of my accounts numerous times and never could figure out all the crazy charges and the bank was obviously not going to help so I left, mad I might add and in talking to many people about this they had they same thing.
I had a XXXX credit card that was paid in full on XX/XX/XXXX and closed on XX/XX/XXXX, over 10 years ago, and I want this account removed from my credit report since it 's been closed for over 10 years as this is my consumer right under the Fair Credit Reporting Act ( FCRA ). The account has always been in good standing and never had any negative or derogatory information. 

I initiated an Equifax online dispute in XX/XX/XXXX ( dispute confirmation # XXXX ) to have this account removed and the investigation process did not remove the account. Instead, Equifax 's investigation team only changed the " date reported '' from XX/XX/XXXX to XX/XX/XXXX. I understand that as of XX/XX/XXXX, this amount of time places the account at an age of 9 years, 5 months, but there 's nothing wrong with asking Equifax. 

I initiated another dispute on XX/XX/XXXX on the phone with a supervisor, dispute confirmation # XXXX. I carefully explained that I wanted the account removed since it has been closed for over 10 years. During my conversation with the supervisor, she told me that the XXXX closed account will stay on my report for another 10 years ( until year XXXX ) all because I am requesting another investigation. I stated that a dispute date should not determine how long an account remains on a credit report and that XXXX and XXXX had already removed the closed XXXX account after the 10 year anniversary of the account closing date. The XX/XX/XXXX dispute was completed on XX/XX/XXXX and the XXXX account remains on my Equifax credit report. 

Equifax 's practice of making a closed account remain on a credit report for over 10 years and then making it stay for another 10 years is unacceptable, promotes unfairness and inaccuracies. 

I mailed Equifax Information Services LLC in XXXX, Georgia a letter on XX/XX/XXXX informing them of reporting their misbehaved practice to the Consumer Financial Protection Bureau. 

On XX/XX/XXXX, I called Equifax again, spoke with a representative and questioned why the account has to remain on my report. The representative stated that I will have to contact XXXX and request XXXX to have the 10 year old closed account taken off my report. I explained to the representative that a customer should not have to contact a creditor from over 10 years ago just to honor my request.
I discovered this information on my credit report. Doctors Business Bureau. Despite repeated requests to them that they show proof of this debt they refuse to remove it. The best I could do was contact the hospital in question :  XXXX  and ask about this debt. They did n't know.
I found this collection reporting on my credit. The original debt was owed by my ex husband. I was told my insurance and my out of pocket expenses where paid when I made my last payment. I sent the information to the agency. They sent me a statement showing that my ex had a separate account that the original office provided. I emailed the original office I owed and the office manager confirmed it was for my ex-husbands I paid insurance balance. the Collection agency was copied in.
I took a loan out with Genesis Lending to attend XXXX XXXX in XXXX, WA and paid it off shortly after graduating. I was told they had been sued and students within a certain time frame were eligible for partial refunds. When I tried to contact them to see if I was eligible for a refund they told me they had no record of my account. What more can I do before contacting a lawyer to pursue a lawsuit?
I have a mortgage and HELOC and Ocwen is the mortgage servicer. I've been making timely payments on both loans since 2005, mostly via online or over the phone and have never been charged a " service fee '' for paying electronically. Now Ocwen is charging {$7.00} to make payments online or over the phone. These payments are deducted directly from my checking account, so there is no credit card fees or any other fees incurred by Ocwen. In fact, electronic payments reduce Ocwen 's operating costs as I'm not sending checks to their lockbox which charges them a per check fee to process. 

Given Ocwen 's well documented violations and substantial penalties assessed, you would expect them to be more consumer friendly, however, that's definitely not the case as this outrageous processing fee demonstrates. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I started a XXXX in XXXX ( XXXX ) I had to apply through the school to get a XXXX now Navient private loan in order to attend. I added my mother and stepfathers information online as cosigners at the time. Due to a medical situation I had I was forced to leave school and needed XXXX. In XXXX my home went into forclosure went through a divorce, my mother ( co signer was let go from her job ) had her assets repossessed lost part of property and now she is collecting social security. The XXXX school closed in XXXX. I have been going through financial hardship with my XXXX children since. I have however contacted XXXX/Navient several times to make arrangements so I am not digging myself further into debt and not late. I was place on a rate reduction program which was difficult for me but has worked I submitted each payment on time every month. The rate reduction plan is good for 12 months after that time is up my payments and rate increase to 10.6 % which brings my payments to almost XXXX a month. I have explained this is unaffordable to me and asked what help or programs are available to me. In XXXX Navient approved a rate reduction at 5 % then with in the same week denied a me stating I should be able to afford my rate with my co signer.I have all my medical and financial documentation I am asking to lower my rate so I can afford to pay this loan off I have made every attempt to try and have successfully made payments on time I do not understand why any company would make it so difficult to help someone willing to pay there loan. I do not know what options I have and no one is willing to guide me in the direction I need to take care of this matter. My family and my situation has changed drastically since I received this loan going back to the school is not a option since they have closed. I am requesting help at this point I just need to know what to do so I do not put my family in any more financial distress.
Santander is ripping me off, I never dreamed I could pay triple for a car but that's exactly what I am doing!! I am a disabled person and I don't get a whole lot to live on, my sons father is on the loan with me because he has more income than me. I got in a tough spot when he lost his job. I got behind and tried making arrangements with the company and they said we had an extension, so we thought everything was fine until our car was repossessed. I put down almost XXXX for the car to begin with, and I had enough money at the time to pay it off, it was only XXXX, but XXXX dealership talked me into financing because it was close to XXXX XXXX, and I have XXXX boys. At any rate not only were we screwed over by XXXX of XXXX, we are also being XXXX by santander. Our percentage rate is already outrageous, we get charged late fees daily and finance charges added to that. I also got charged from santander for my toll bill when they repossessed it. I wasn't allowed to pay the toll company myself, the amount was added to my principal and I pay finance charges on that bill as well. I don't know legally how they are getting by with it. This whole company should be shut down and put behind bars. This is incredible!! I have already paid my loan off but all I paid has only gone to late fees and extra finance charges!! I wish I could sue the XXXX out of these people for mental anguish! I am already XXXX, they shouldn't be allowed to do this to people!!