milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose prepaid card) with DISCOVER BANK (NV).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: The Discover headquarters is the XXXX address you have listed, but your complaint does not fall under the jurisdiction of the XXXX   Police Department.  Here is a link to the Consumer Financial Protection Bureau, a U.S. Government agency.  You can make a complaint on this page.

  https://www.consumerfinance.gov/


XXXX XXXX XXXX
Chief of Police
XXXX XXXX XXXX XXXX XXXX XXXX
Office   XXXX ext XXXX  
Dispatch XXXX

On XXXX,XX/XX/2017 at XXXX XXXX, XXXX   wrote:

    To whom it may concern:

    Discover Card has now (and for going on 3 months!) owed me over $1,400.00 and they will not return it to me...they sent me a check for XXXX!

    It is very hard to find out exactly where Discover's headquarters are.  Calling them is like sticking pins in your eyes!  They took my money (refundable deposit) out of my bank and in less than 2 days!  But now going on 3 months later, and they do not want to give it back!  I am considering this THEFT and PERSONAL INJURY!  I want to FILE a POLICE REPORT and SUE DISCOVER.

    ONLY because of DISCOVER I have been having trouble paying my rent and bills and scraping up enough money to eat!  I am XXXX and have been on SSDI and for now going on XXXX  years.  I am a former XXXX XXXX  and I have served overseas.  4 months ago I moved back to the states and that was after living with my wife for XXXX years in XXXX XXXX.  I asked one of your state's US Congress people for help...a big waste of time, of course!  If you don't want to help, then do you think that your GOVERNOR will?

    The best addresses I can find are:

    Discover Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

    Discover Financial Services
    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

    My contact information:

    Omited

    Thank you for taking the time to review this and for any assistance that you can provide.

    Kindest regards,

    Omited / Replaced with:
Sick and tired of all of this Political Correctness NONSENSE and basically AMERICA nowadays in general.  Don't ask for help with anything.  [They] only care about protecting the wealthy and powerful crooks out there.  Not enough PRISONS in America.  Bring back the ELECTRIC CHAIR and let's start having Saturday Night Live with Old XXXX.  I can't wait to move back to XXXX...at least they aren't such cowards there, and their only form of Execution is still HANGING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2017 about Checking or savings account (Other banking product or service) with NAVY FEDERAL CREDIT UNION (OH).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I keep getting bounced from department to department. I filled out all required forms and documentation and sent to NFCU, including their affidavit of forgery. I never had any products with NFCU yet nobody seems to be able to help. Every time I call they keep pulling up accounts that someone opened using my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (NY).
Issue: Managing, opening, or closing account

Complaint: Paypal closed my accounts and they 're refusing to send me a check with my leftover money in both of my accounts. I have about $ 1000+ in there and they 're depriving me of getting my money back after they took action and closed my accounts on their own accord.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Debt collection (I do not know) with AFNI INC. (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX 2017, I sent a certified debt validation letter to the company that that I believe to be known as AFNI, XXXX, and XXXX. I am not sure what the actual name of the company is because according to my credit reports, all of these names belong to the same company. I believe them to be headquartered out of a facility in XXXX, IL, per my credit report. Upon the receipt of my validation letter, the before mentioned company " flagged '' the account that was on my credit report as a " collection ''. Information was also altered. This was brought to my knowledge because of the alerts that I have on my credit report. They should not have done this. With this company taking this action they have violated a policy of The Fair Debt Collection Practices Act. According to the FDCPA they were supposed cease collection practices of this debt, which would include altering my credit reports, until satisfactory proof that I owe them this alleged debt was sent and received by me. This was not done so they are in direct violation of this policy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (Credit card) with STONELEIGH RECOVERY ASSOCIATES, LLC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Call/message received from Stoneleigh Recovery XX/XX/XXXX/XX/XX/XXXX. I called back and left message to not call me and all communication must be by mail. I also asked for proof the company was licensed to do business in PA. That certificate was received by letter dated XX/XX/XXXX and signed by XXXX XXXX , Director of Compliance. I received another phone call from Stoneleigh Recovery on XX/XX/XXXX and again advised the representative ( again on a recorded line ) to not call me. I then received another phone call from Stoneleigh on XX/XX/XXXX and told the representative to not call me. He informed me that he saw my do not call request noted in my account from the previous call they made to me on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Student loan (Federal student loan servicing) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I received a loan from Higher Education with my parents as co-signers. 6months in XXXX ( I believe )! after I finished school my co-signers got a notice that I was late on my monthly payments and they needed to pay. I contacted Higher Ed and said i the primary ( living at the same address as my parents ) never received any notifications to start payment or how much my monthly payment would be. They said I know what I owe, so I should just pay it. i borrowed $ XXXX. It felt like they expected me to pay it upfront. Next month I never received any bill again but my parents received a second notice. I called, emailed, and hand wrote letters to them asking to please tell me what I owe monthly and to send ME the primary a bill. Again, they never did and their phone customer service wouldnt tell me again what I owed. I later got the first contact from them saying my loan was in default and being sent to a collections office. I felt like that wanted this to be the case so they would get a large sum upfront. The lawyer they sent the loan to was not willing to work with me. They told me to get a personal loan to pay the student loan off, or borrow $ XXXX from a friend. I was XXXXyr old I didnt have $ XXXX to pay upfront. Also told them If I had a friend that would lend me $ XXXX I would have never gotten a loan. I payed large sums of {$2500.00} and monthly payments of {$170.00} for 9 months with the verbal agreement they would contact the credit bureau to say I was making good on my loan and help my credit score a little. They never held up their end of the deal and in fact later said that is something they couldnt even do. I lost my job in XXXX and got XXXX shortly after. I couldnt afford to send my children to child care and my mother became XXXX, I had to declare bankruptcy, I currently live with my parents and take care of my mother and children. I contacted the lawyer recently and was told they would not allow me to make payments. They wanted a large sum to cover the loan. I could only afford to make {$50.00} a month and that wouldnt even cover the interest accrued every month. The lawyer asked why my father wouldnt send money since he is working and I explained he is the sole provider in a house of XXXX, there is no extra income he can give. I was told so hed rather pay other things instead of this collection I explained the mortgage is important, would you rather us default on the mortgage? I have other student loans with different companys as do my parents and we have never defaulted on any of them. Im at my wits ends. My credit is destroyed and my parents credits are affected as well. I dont know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an outstanding debt with XXXX XXXX. I settled this debt with a different collection agency a long time ago. The information was verified and is reported correctly on my credit report. However I continue to get calls from EOS CCA trying to collect {$110.00} for a XXXX XXXX debt that has already been resolved. This agency is harassing, rude, and does not have valid information and continues to try and get my personal payment information for a debt that has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Upon receiving a Special unemployment Forbearence with Wells Fargo, I was advised that at the end of the forbearence period I would receive a modification to obsorb the delinquent amount. I have been denied a modification after two years of applying. My loan has now been referred for foreclosure. Wells Fargo received, accepted and returned several payments for XXXX prior to the foreclosure. ( see CFPB letter )

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 11/27/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Struggling to pay mortgage

Complaint: We were trying to make a payment and catch up on missed payments to XXXX XXXX XXXX, and they refused to accept payment, claiming they were working on a modification. We then faxed numerous amounts of documented data, which they then proceed to " claim '' there was no received faxes. They then came through with an unaffordable payment plan the following 2 months. This all took place during the end of XX/XX/XXXX and the plan was given to us in XX/XX/XXXX, we then proceeded to let the law group help us to deal with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT # 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 11/27/2017 about Student loan (Private student loan) with National Education Servicing, LLC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Greetings : Graduated for my XXXX XXXX in XXXX from XXXX XXXX XXXX University XXXX XXXX and XXXX. I requested private student loan from " National Education Servicing '' ( NES XXXX based in XXXX IL. for the amount of {$14000.00} Private, disbursement date XXXX/XXXX/XXXX. Monthly payment of {$140.00}. Federal student subsidize and subsidized XXXX {$4900.00} XXXX only used portion of it not all amount. 

In early XXXX XXXX, I received a call from XXXX customer service informing me they work with national education servicing and the federal potion of my loan is currently managing by them. I call my loan servicing company, National Education Servicing ( NES XXXX and they informed me yes ONLY federal student loans is managed by XXXX but the private loan will still service by my current compnat, National Education Servicing ( NES XXXX. 

In the month of XXXX XXXX, I received another call from XXXX customer service telling me that my private loan is managed by XXXX as well. I had a heated conversation with the an overseas employee and I was told that we have your personal and credit information and if you do n't pay {$50.00} forbearance ASAP, my personal credit will be ruin. 

I tried to reach out to National Education Servicing ( NES ) but realized they were out of business as of XXXX. Naivent customer service refused to provide me any documentation on how they got my loan portfolio/information. 

I was not even given any prior notice from National Education Serving, XXXX that my loan will be transferred to XXXX. Also, what i noticed is my principle for private loan with XXXX went up as well the total amount of my federal loan. I have been paying {$220.00} a month since XXXX/XXXX/XXXX and now It seems I just started borrowing the same loan. 

Here are the XXXX information : The toll free number is still working but when i tried to log into my account the site is not active. 

You can listen to the recording message. 

https : //nationaled.net/login/help XXXX https : XXXX I really appreciate any feedback and thank you all for being a consumer advocate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have an Account appearing on my credit report named XXXX XXXX. I have contacted both the company and the credit bureaus trying to have this removed. The credit bureau kept saying it was accurately verified. I made contact with both the credit bureau-Experian & XXXX XXXX to ask for proof of how. When I called XXXX XXXX they stated that I do n't have an account based on my SSN. When I contact Experian they said the company verified the account. I have sent multiple letters and made multiple phone calls that this info is not reporting correctly on my report and should be removed. 

I have done further research and this company " XXXX XXXX '' is not licensed to collect in my state " Louisiana '' per https : //coraweb.sos.la.gov/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 10-04-2017 about Debt collection (Other debt) with Stellar Recovery, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Under the FDCPA, your right to dispute the. I was not given the right to dispute the dispute of {$200.00} by this debt collection on XXXX/XXXX/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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my data to be stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (DC).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I was erroneously charged twice by XXXX on XXXX XXXX. XXXX was a {$15.00} charge, and the other was a {$16.00} hold. 

The two charges brought my account into overdraft, incurring a {$36.00} overdraft fee from SunTrust bank. I called XXXX and had the issue corrected. They said they would refund me the charges and that it would take 2-3 business days. 

I then called Suntrust to notify them of what happened. I told them the two XXXX charges were a mistake and being refunded, and asked to be refunded the {$36.00} overcharge fee. They refused, but did say that once the XXXX charges are fully refunded, then they will refund the {$36.00} overdraft fee. 

On the very next day, however, XXXX XXXX, SunTrust hit me with a SECOND overdraft fee, still related to the erroneous XXXX charges. So despite the fact that I called and told them the XXXX charges were in error, they used them as the basis to hit me with two separate overdraft fees, totaling {$72.00} XXXX all because of two XXXX charges does in error worth {$31.00} XXXX. 

Representatives at SunTrust have been completely unhelpful to me addressing this. Instead of working with me to prevent the overdraft fees once I informed them the charges were in error, they instead kept hitting me with the fees. 

They claimed the fees are applied automatically by a computer, and that for a human to override them and credit me the {$36.00} overdraft fee, I would have to await a phone call from a supervisor which could take 3 business days. 

Having {$72.00} stolen from your account by your banks due to a {$30.00} mistake that is in the process of being refunded, created an exceptional hardship in my life. And that lack of responsiveness by the bank made the problem much worse.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I am concerned about the XXXX data breach. I have to take ( and pay for ) steps in order to protect my credit which was compromised through no fault of my own. Credit freeze and thaw should be free under federal law.

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 09-09-2017 about Debt collection (Other debt) with PDQ Services, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX I contacted PDQ about a debt they had in their office. I disputed the debt and was threatened that this would be added on my credit report and ruin my credit and then I was hung up on. On X/X/17 I contacted the company again because they did just as they threatened and ruined my credit report by adding this as a collections. The manager threatened me once again and told me I was a liar before once again hanging up on me. His name is XXXX XXXX. The amount they claim I owe is {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Credit card () with BARCLAYS BANK DELAWARE (TN).
Issue: Billing statement

Complaint: I have already submitted a complaint on Barclaycard to you in reference to a credit line reduction and the fact that the did not want to credit a XXXX payment made in XX/XX/XXXX to the XX/XX/XXXX due out. Only one of those two were resolved that being as they quoted as a goodwill gesture they would apply it to be credited to the XX/XX/XXXX payment. As I stated to you in my previous complaint they do this and get away with it so that they can increase the monthly due and the interest rate goes up. I have attached both the XX/XX/XXXX statement and now the new billing for XX/XX/XXXX please note the credit of the XXXX payment. Also as I stated please compare the 2 billings before the complaint was filed the XX/XX/XXXX statement reflected a balance of XXXX with a monthly minimum payment of XXXX now look at the XX/XX/XXXX Billing the Balance Due Increased to XXXX which was an increase. When I pay my other credit cards they may not decrease much but they do decrease some each month, My question now to Barclaycard is where did the XXXX payment go and how did the balance increase instead of decrease. If this was the way they all worked I would never get them paid off. Perhaps what I stated in my last complaint is really true. So again what did they do with the XXXX as it was an overpayment of XXXX over the requested minimum payment due of XXXX. If I had the money I would just pay them off but even then they cant get the right amount reflected as due according to what I figure and that is giving them their Interest charged for that period the current balance should reflect XXXX. I have posted a minimum requested payment due which also went up to be paid to them no sooner than the due date. They need to correct the balance due.

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 07-03-2016 about Credit reporting () with Clarity Services (AL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The complaint actually involves ( Unauthorized Inquiries ) by Clarity Services , Inc. Inserted below is the email sent to Clarity Services asking for an explanation about the Unauthorized inquiries into my credit history. 

" Saturday, XXXX XXXX, XXXX To whom it may concern : This morning while reviewing my Annual Credit reports XXXX inquires from Clarity Services , Inc. was identified in my XXXX file. Please see the attached page extracted from my credit report. 

I would like to know what company requested the report ( s ). 

I have not requested or submitted a request for credit for neither of the dates noted ( XXXX XXXX and XXXX XXXX ). There should not have been any inquires from any organization. 

In addition, the information in the XXXX file that you provided is incorrect. Thus the purpose of reviewing my reports. 

These inquiries are determined to be " Hard inquires '' and does impact my credit rating. 

Thank You, ''

Company response to consumer: Closed with explanation