milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CO).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I have been a credit card holder with Discover since  XXXX . I have been paying a monthly fee since  XXXX  for " discover payment protection. '' I called Discover today & spoke with a special sector of their customer service specifically for this exact issue. I never agreed to this and Discover is stating that I agreed to the terms in  XX/XX/XXXX , but will not provide me with any record of the agreement. I have researched this problem & there have been many lawsuits against Discover for this same exact issue. Most people have succeeded with getting all of the money they paid over the years back, but Discover is refusing to refund all money even though I never signed up for or agreed to the terms of having Discover Payment Protection. They only offered to pay back six statement periods of the charges & continued to talk in circles, never giving an exact answer or an agreeable solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Wells Fargo Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

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 non-monetary relief
Consumer complaint received 01/17/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX reported to XXXX on XXXX XXXX 2017 that I owe the debt of {$220.00} to XXXX. I owe nothing to XXXX XXXX and do not recall having XXXX XXXX XXXX

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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CURO Intermediate Holdings (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a letter fro m Speedy Cash  around the end of   XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately call ed Speedy Cash after r eceiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called  Speedy Cash and with my permission paid/settled on the balance. I was told the negative reporting wo uld be removed. I even received a letter in RR mail shortly after this other person made the payment.  <P/> Now the item is showing on my credit report and opened for the full balanc e. I called Speedy Cash today and they told me to file a complaint with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Incorrect information on your report

Complaint: In XX/XX/XXXX I purchased a home. In XX/XX/XXXX it was foreclosed on. Bank of America shows they did a charge off but on my credit reports it still says I owe {$22000.00}. I had XXXX XXXX disputing it and it looks like it was reaffirmed as of XX/XX/XXXX and my credit score plummeted XXXX points. The account was opened on XX/XX/XXXX. The last payment was made XX/XX/XXXX. The account status still shows open but the remarks are : Charged off as bad debt Profit and loss write-off. I did try to talk with them at some time in the last year and got nowhere.

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 12/22/2015 about Debt collection (Medical) with JMD,LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The Original creditor failed to bill the insurance company for XXXX visit. I have provided proof that I had valid coverage to both the Original Creditor and the Collection Agency. I was told by XXXX that it is too late to bill the Insurance therefore I am responsible for the debt. This debt is being negatively reported on my Credit File with all XXXX Credit Bureaus. I am requesting a new investigation and have this item removed permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (I do not know) with AllianceOne Recievables Management (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i received a letter from Alliance One Receivable Management, the telephone number in such, XXXX misrepresents the collection agency. This toll free number directs me to an automated system full of marketing sales advertisement. From XXXX offers, emergency service for the elderly, up to mobile phones sales. i question the legitimacy of this company. I feel they are trying to phish for information if i choose an offer. it is concerning they have my PII information, fake such a letter, and may take advantage of computers. This is unfair and deceptive practices. I found their number on-line and spoke with XXXX XXXX who was rude - she refused to provide me information about the legitimacy of her company.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal information and identity to open up unauthorized and fraudulent accounts in my name. I have received harassing and threatening telephone calls and death threats from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX.

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 11/18/2016 about Consumer Loan (Vehicle loan) with Garcadia Financial LLC (OR).
Issue: Managing the loan or lease

Complaint: I paid for a dealer extended warranty as part of my car purchase in XXXX. The cost was {$2300.00}. It is itemized on both the installment and retail purchase agreements. In XXXX, I received a letter from XXXX XXXX that the dealership had been sold to XXXX XXXX and the extended warranty would NOT be honored without any sort of refund of the {$2300.00} which I was/am paying for at 11+ % interest. 
When I informed my lender, Foursight Capital of this fact in XXXX, it was ignored. I just called again on XXXX to inform/discuss this issue with Foursight. At this point I was told that Foursight did n't care that they, and I, are in effect being stolen from because Foursight already paid the money and its between myself and the dealership. 
I find this response by Foursight to be not only unethical, but also incredibly disrespectful of a consumer using their service because they were the lender chosen by the dealership. I had requested the dealership fund the loan through XXXX XXXX XXXX XXXX where I do business. While I can not prove it, my previous experience as a Underwriter in Manufactured homes tells me that Foursight offered the dealership points in order to fund the loan. I believe this is part of Foursights ' refusal to respond to the " theft '' of {$2300.00} by XXXX XXXX. 
Please find attached the full installment contract ( in XXXX scans to get the whole thing ), receipt for finishing paying DMV for my title transfer ( it is an itemized item for the correct amount on my installment contract and the attached retail contract ), retail auto purchase contract, letter dated in XXXX 2016 from XXXX XXXX announcing its ' purchase by XXXX and revocation of the warranty ( which is an itemized subject on the contracts for {$2300.00} -- not including the interest that has accrued since my purchase in XXXX ), and XXXX statements from my servicer/lender Foursight Capital who refused to do anything about the warranty revocation when I informed them of the revocation telling me that it was n't their problem even though Foursight Capital had paid the funds as part of funding my purchase. 

Thank you and have a good day, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other fee

Complaint: Macy 's is awful. Twice in having this card I 've had issues, because Macy 's communication is deliberately confusing or lacking. I have a Macy 's credit card ( # ending XXXX ). 

XX/XX/XXXX Purchase on card : {$8.00} ( a purchase that had a larger balance of {$30.00}, {$21.00} of which was paid with a gift card, with remainder {$8.00} put on the credit card ) XX/XX/XXXX Statement balance : {$8.00}, due by XX/XX/XXXX ( payment not made on time ) XX/XX/XXXX Statement balance : {$10.00}, due by XX/XX/XXXXXX/XX/XXXX Online payment made : {$10.00} ( WELL BEFORE due date of XX/XX/XXXX ), bank statement proves it. 
XX/XX/XXXX Statement : {$2.00}, due XX/XX/XXXX -- where did this come from? 

I called customer service ( no options to talk to a real representative ) and IVR System says the {$2.00} is interest charges .... How can this even be possible, when I 've already made payment in full of {$10.00} ( on XX/XX/XXXX ) after receiving XX/XX/XXXX statement? 

Until the XX/XX/XXXX statement, I was under the impression that I 've paid the Macy 's card in full. Had I not investigated this, and matched up payments and due dates, I would either have paid {$2.00} for no reason, or Macy 's would have charged me fees and interest on top of that, which is what they did last time with a similar ( though not exactly the same ) incident. 

There should not have been any balance. Yet, Macy 's puts an " interest '' fee of {$2.00} on a statement after something has been paid in full from their last statement. How can this be allowed? 

After calling the IVR system, Macy 's automatically removed the {$2.00} fee, without having to speak to a customer service agent. This tells me that this is an ongoing issue with Macy 's. 

I classify this as fraud, and a deceptive practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Settled and paid debt collector way before settlement date. Debt collector refused to send me an email confirming payment of debt in full. Said that they would sent letter in the mail. Instead, collection company has continued harassing my family by sending people to my house to serve me with a summons. Now I am being sued for a debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.

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 04/28/2016 about Consumer Loan (Installment loan) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Taking out the loan or lease

Complaint: I applied to Citizens Bank to take advantage of their Citizens Bank Education Refinance Loan I have never missed a payment on any credit issued in my credit history. I am up to date on all credits issued. I have a credit score of XXXX and I was denied an Education Refinance Loan. I feel that Citizens bank has violated the regulations of the Unfair and Deceptive Acts and Abusive Practices I feel they have Bait and Switched what they claimed would be a chance to repay my student loan in a timely matter. When I called to ask questions I was told by the person on the phone " Well it looks like you have XXXX options to repay your loan, borrow the money from a family member, win the lottery, or die '' I feel this was a way of them saying that they do not think that my life or my wanting to better my financial situation is worth the time to actually look at my credit report and see that I should have been approved for this loan, and with out a shadow of a doubt that repayment would be fulfilled according to the terms of the loan. I find the way that I was spoken to on the phone and the way that my application was denied with my great credit history and payment history again is violating the Unfair and Deceptive Acts and Abusive Practices regulations and a Bait and Switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was Bank of America, and that I owed from a credit card back in XXXX. I have never had a Bank of America card!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Allied Collection Services, Inc. (Nevada) (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This company is illegal and the loan was is not valid in the state of Florida, they charged triple the amount of the loan in just interest and that is illegal in the state of Florida. I paid the principal only.

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 01/20/2018 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: TD BANK Blocking me from enabling external applications. I need access to my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: fraudulent charges were made to my macys credit card. Someone obtained by my information and made charges to my account. Macys sent correspondence to the wrong address. I never lived at the fake address that Macys sent letters to. I filed a claim on XXXX XXXX, 2015. They claimed to have proccessed it on XX/XX/XXXX. Since then they have been investigatin without any indication of whether the charges were fraudulent or not. Now recently, under threat of litigation, there was some progress. The company stated that they were going to clear the charges and report it to the credit bureaus. I asked for a letter detailing the investigation was indeed over but a few days later, I get another call stating that the charges are clear but they are still investigating. They denied the request for letter given.

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 monetary relief
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: several attempts have been made through mail and fax for Equifax to update the spelling of my name, I 've sent my drivers license and voters regristration and they still refuse to correct the spelling and update my report. My name is not spelled XXXX it is XXXX and it seems like no matter how many times I send them the info they do nothing. 2nd I have credit monitoring on my phone which alerts me when there are changes in my credit report and score, on XXXX/XXXX/XXXX I recieved an alert and checked and saw that a collections was removed from my credit report ( XXXX XXXX ) and lucky I took screen shots just in case issues like this happened, on XXXX/XXXX/XXXX I recieved an alert, Equifax added the collection back on to my report with no prior notification, no anything, I was down to XXXX collections and now I have XXXX. Last it took them over 30days to respond back to my letter that was sent over a month ago. Photos are I closed when they removed it and then added it back

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Credit card) with Byrider Franchising, LLC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Called me trying to scare me on debt. Did not even respond to what company they are working for and also threaten to drop off legal papers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Account opening, closing, or management

Complaint: USAA Federal Savings Bank has tried to get in touch with me with this letter dated XXXX XXXX 2016. Then on XXXX XXXX 2016 I get a second letter about my checking account. I have not been able to get into my checking account for many months now. I have sent in money to cover the {$34.00} amount that was not paid. Seems USAA returned that payment I sent in on XXXX XXXX 2016. Why are they allowed to do this? 
I still feel that the have discriminated against me due to my age as I am XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have attempted to contact Peaks Private Loan over the years. They have wanted me to pay {$350.00} a month which I could not afford and the time and I still can not as I have XXXX other loans that I am trying to pay back to the best of my ability. At first they told me that they are not able to decrease my monthly payment. As time when on I was told that nothing can be done now as I owe a {$5000.00} Balance to bring the loan current. Last time I reached out to them they said that there was nothing that they can do because that private loan was sent to a collections agency. I have looked back into this from the paperwork I have. I have never signed for this loan it appears that XXXX took it out with out telling me that it would be a separate loan from my Federal Loan. The few sheets of paperwork that I have show that the money was sent directly to XXXX XXXX XXXX and not for my classes that I took. I was never sent paper work stating what Classes that the loan paid for. I also have my Federal Loan that shows that it paid for all of my classes except for 2 semesters that a XXXX {$10000.00} loan was taken out that was informed about. I believe that I am a victim of an XXXX Fraud Scandal, I remember signing for and giving permission for my federal loan and the {$10000.00} loan for when I was not able to get finical aid but I have never and would never sign a {$40000.00} private student loan.

Company response to consumer: Closed with explanation