milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Bank account or service (Checking account) with DISCOVER BANK (NC).
Issue: Problems caused by my funds being low

Complaint: Discover Bank and Discover Card have been ridiculous unfair to me as a customer causing unnecessary stress. Lying about the status of my account. Causing strains to my credit report. Not blocking continuous fraudulent activity on my account. Making no concession for issues that occur because of their lack of preparedness and the effects it has on me as a customer. I am made to suffer all the issue that arise from their lack of preparedness and the Discover Bank side inability to function as a proper bank. They can not do simple functions that banks are able to do. They do not provide information upon request. 

I have recorded conversation from Discover Credit saying what will happen to my account after the 2nd time Discover Bank will return payments. 
In the attached documents you will see how even though I am paying my DISCOVER credit card through DISCOVER bank. There is a delay. Discover credit card will send a confirmation saying they have processed the payment and everything is okay and Discover bank will show nothing. Discover bank also does not show any pending transaction ever. ACH transaction are never shown as pending even after Discover Bank has received them just suddenly appear on your account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Student loan (Federal student loan servicing) with Texas Guaranteed (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I filed chapter XXXX bankruptcy. My plan was a XXXX % plan with a special provisional to pay all school loans XXXX %. XXXX school loans were involve : XXXX claimed that I owed {$38000.00} I paid the full amout that they claimed that I owed. Texas Guaranteed claimed {$31000.00} I paid the full amount that I owed. Now that my case is discharged ( Paid in full ) both companies sent me bill over {$10000.00} each. Total over {$20000.00}. I have contacted them, My attorney has sent the court documents stating that my plan was a 100 % plan with a special provisional to pay student loans XXXX %. Neither company has given me any proof that I owe them money. They have not been able to proof that I Owe them any money nor can they prove they explain the amount that I owe. I am concerned and confused. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Billing disputes

Complaint: XXXX XXXX files dispute. XXXX charged XXXX {$55.00} on XXXX/XXXX/2015. XXXX sends me wire in the XXXX season XXXX disc XXXX and XXXX XXXX both of which have some sort of technical problem -- not broken -- which XXXX fails to resolve. Instead of responding they ignore and keep shipping the same inoperable discs. XXXX violates duty as a result of the contract not as a result of the law. This is a breach of contract. Not a tort. I want XXXX to send me XXXX working disc of each or remove it from online or refund the {$55.00}. Remove it from online or send me one that works or refund. I wo n't test endless discs because the problem is technical not broken. 

XXXX/XXXX/2015 XXXX {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Credit card () with DISCOVER BANK (CT).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XX/XX/2016, I became victim of IRS Impersonation Scam Call. The scammers told me that I am an income tax return defaulter and asked me to buy some XXXX cards and send them the code for clearing my outstanding return amount. They also told me that if I wont accept this chance they will start some law and enforcement proceedings against me and they may also put me behind bar. During this event, I used my Discover Credit Card for buying XXXX XXXX cards each recharged with {$500.00} and similarly I used XXXX XXXX XXXX card to buy another XXXX XXXX cards having {$500.00} each, thus totaling to {$4000.00}. On the next day I got in touch with local police authority, shared details of the entire event with them and they opened a case for this identity theft and fraudulent event. They suggested me to raise a claim with both Discover and XXXX XXXX XXXX and I did so. After the claim was raised, I also talked to XXXX XXXX XXXX on-call executives on this matter, they listened to me and cooperated with me and few days later they compensated me the entire {$2000.00} which I lost from my XXXX XXXX XXXX account. But, the Discover Account Executives who talked to me on this case informed me that they are not responsible for this case at all, and therefore they wo n't be able to assist me with any kind of compensation for my loss. So, I withdrew my claim from Discover. After this whenever I got in touch with them on this matter, always they said that as I have withdrew my claim initially, and once a claim is withdrawn they can not do anything more on that. 
I want to raise an official complaint against Discover. I know Discover is a very big organization providing service to thousands of people. But, if XXXX XXXX XXXX could cover me for my loss, why could n't Discover cover me at least some part of my loss, if not all. They should also be having some fraud protection policy for this kind of cases. If you could please look into this matter I would be very obliged.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Other debt) with ERC (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX I terminated my phone contract with XXXX XXXX because I was being stationed in an area where they do not cover. I provided them with my military orders and paid them what they said I owed. I left the store with no bill or anything due to them. In XXXX XXXX I received a letter in the mail saying a debt collector was attempting to collect a debt I owed. Enhanced Resource Center ( ERC ) is the company I was dealing with, I called them to find out what exactly was going on. After being transferred to multiple people I was told my " case '' was being placed in a dispute status and I would find out the outcome in 30 days. After approximately 35 days I called them to find out what was going on, this is when I started getting the feelings of being scammed. The company had no information about my " case '' nor did they know the " collector '' that was assigned my case. I was transferred to multiple people once again and was finally told they have over 1500 employees so each time I call it would be a different person. There were strange background noises during the phone calls and each person I was transferred to was more lost then the first one. I was refereed to the " managers '' number and called that and went to a very non business like voicemail. I left 2 messages and non were returned. I looked up ERC online and see they have numerous bad reviews about being a scam and worse. I contacted the FTC and explained to them my situation and they said my complaint was noted and I should contact my home attorney generals office. I called them and left a message to return my call, still waiting. Today, XXXX XXXX XXXX I received a phone call from ERC and told them not to contact me until I am informed that this is a real dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I would like for Citibank to remove the unauthorized inquiries on my credit report that was reported by XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX I HAVE ATTACHED THE INQUIRIES PLACED ON MY CREDIT REPORT

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 08/15/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: We opened up a checking account with USAA, after receiving a promotional email from them. We are members. My husband is XXXX Military and has been for 12 years. We set up his paycheck to be direct deposited. Within 24 hrs of this deposit, USAA withdrew our ENTIRE account and left us with a XXXX balance. When we called to question, they informed us it was for a " charged off debt from 2008 ''. We were completely shocked. Not only were we NOT aware of any prior debt to USAA, we have never heard of any of this until now. No written correspondence, not once has any of this ( alleged ) debt ever showed up on any credit report of ours, or has USAA tried to collect this ( alleged ) debt from us in the past. I pleaded with the customer service that this is a mistake, this is an error! We are disputing this debt as an error applied on our bank account. I pleaded with customer service that my husband ( XXXX military member ) is our only source of income, we have children, and need his paycheck to live! Taking all of our money will put us in a serious financial hardship where we can not buy food, pay utility bills, buy gas, and pay our house payment. I spoke with XXXX different people to try to resolve this, and nobody from USAA would reverse the wrongful charges or work with us at all until these fraudulent charges were figured out and proved, which is what I requested. Nor did they even seem like they cared. They wrongfully took all our money and we need it back. I am also disputing any supposed debt they say we owed them. There was no mention of this debt when we opened the checking account! We have been members of USAA for years and have XXXX USAA credit cards that have been in good standing for over 2 years with USAA, and never has USAA ever mentioned anything about ANY money owed to them! This is how they treat their service members and their family? We feel like we have been robbed and feel helpless. Someone needs to help us please!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2017 about Debt collection (Credit card debt) with D&A Services, LLC (WY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Caller called at  XXXX   XXXX   XXXX   2017  and refused to identify self despite repeated requests. Caller was informed that she was calling a business phone and told to make no further telephone calls. Caller called agai n at XXXX  on   XXXX   XXXX ,    2017  and would not properly identify self and was reminded that this call was in violation of the  Fair Debt Collections Practices Act. I finally requested to speak with a superviso r and informed supervisor of facts previously stated. Supervisor still insisted in trying to discuss this matter on the phone despite being informed that all communication must be in writing due to the number called being a business phone. Supervisor then threatened legal action without providing information on alleged debt in writing as I had stated must be received. I was then forced to once again remind the caller/supervisor that she was violating several subsections of th e Fair Debt Collections Practices Act .

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Auto) with Financial Credit Service, Inc. (KS).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: At XXXX and XXXX, on XX/XX/XXXX, I received missed calls from Asset Recovery Associates. ARA did not leave a message, so I returned the missed call at XXXX. The representative that answered my call, asked for my phone number. Then, he said he would transfer me to my representative. I do n't believe that the representative that took my call introduced himself. He called me by my first name, and immediately stated that an affidavit was being filed, and a judgement was going to be made against my social security number. Allegedly, I opened a car loan in XX/XX/XXXX, and supposedly defaulted on the loan in XX/XX/XXXX. I told the representative that I do n't have any knowledge of a car loan in XX/XX/XXXX. He then asked if I had co-signed on a loan. I told him several times that I have no idea what he is talking about, and expressed confusion regarding the situation. Before transferring me to the " fraud department, '' he verified the last XXXX digits of my social security number. The representative I was transferred to introduced himself as someone from the legal department, but I did not catch his name. He also addressed me by my first name only. I again explained that I did not have any knowledge of the account they were referring to. This representative took an accusatory tone, stated they had sent letters repeatedly, and called me a liar when I said I did not receive any correspondence regarding the account in question. I would like this debt collector to know that I do n't have any knowledge of a car loan debt. Furthermore, since the alleged default on the loan occurred in XX/XX/XXXX, it would be long past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I previously disputed the status of a credit card XXXX that i had in XXXX that was included in my CHXXXXBK and discharged on XXXX/XXXX/XXXX. I disputed this 2X 's with Equifax and then again with CFPB. I was advised in my CFPB Complaint that this account is showing included in CHXXXXdischarge and the information provided to me was incorrect. 

This account is still showing in the revolving status, please see attachment stating Equifax Credit Report XXXX. Equifax also provided false information to not only me but also to CFPB please see attachment stating '' XXXX Credit Card CFPB Complaint '' stating that they closed this account and they did not. 

I 've disputed this matter countless times, this is affecting my credit which is directly affecting my life. These are not the only inaccuracies i continue to face with this reporting company, this matter needs to be dealt with the up-most priority as this is a constant agitation to me as well as to my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I paid the escrow shortage according to escrow analysis received from mortgage servicing company and payment was not applied correctly. Mortgage payment did not adjust to reflect the correct amount once escrow shortage was paid. Mortgage servicing company re-analysed my escrow account, causing my payment to increase above the amount listed in my ORIGINAL ESCROW ANALYSIS STATEMENT.

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 04-06-2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX Chase purchase XXXX, along with the mortgage I purchased Life and XXXX and XXXX, in XX/XX/XXXX by the state of Mass I was deem XXXX. The doctors thought maybe no, by it went the other way. have completely filled out every form, the doctors filled out forms for years, I been investigated. an still showing, a status of XXXX, they have received records from social security and still concerns, they want the doctors to re fill out forms out all over again, in the XXXX it states Social Security is really what they go by. it just about gving me the run around regarding. not to pay the policy, I was in an accident in XX/XX/XXXX, which the policy covers, I was not XXXX at that time, I could have purchased any policies between XX/XX/XXXX and XX/XX/XXXX, if i was killed in XX/XX/XXXX would they say they not going to pay the life? how does any one person know what the next day brings really.I was getting a cup of coffee, i did not ask to to be XXXX, and my life changed over night. but this wi why you purchase Insurance protection. But there is no reason why they compay should be giving me this much trouble to pay me. ther are so many complaints for various reasons. they have reviewed an obsessive amount of medical records, i am not sure what they think they are going to find, this is bording on harassment amd creating hostility and they are still removing money for the payment of the XXXX, and every now and then they claim they ca n't and try to get the policy canceled. 
there is a life policy attached also thei was purchased in XX/XX/XXXX 14 years this is lots of money chase has to be held accountable for this. they sold my phone number to the third party, for calling at dinner time the most hectic time with XXXX small kids. chase is only protecting themselves and charging XXXX for the payment. It the Insurance company paid when they were to, it would not be a big deal now. 
someone has to stop the Insurance companies from taking advantages from consumes, make promeses, and then when the consumer needs the insurance it completely a different concept. this is with all insurance sold today, thye blame it on the XXXX pages of fine print. the agent/sell has to have blame, not just collect commission and not respont to phone calls. when you ask a concern dictate to you like i never said that Insurance company have become " Bullies ''. the consumer just Pay and then wait and wait when we have a real issue and could run in to a serious problem. this is not want Insurance is all about. I am tired of being Bullied by this one. 
I was not XXXX until XX/XX/XXXX in Mass that is what my letter is dated.

Company response to consumer: Closed
Consumer complaint received 02-06-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I disputed an account with XXXX XXXX XXXX XXXX with Equifax. 
This account was removed from my from my credit report, after my dispute. Then, it appeared back on my report. 
I disputed it again, and once again it was removed. 
Now, it is back and showing active since XXXX XXXX. THIS IS WRONG. 
This account was closed in XXXX, is not active, and has NOTHING owed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Debt collection (I do not know) with Applied Resolutions Group (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received several calls from XXXX. He will not tell me what company they are with, only that I allegedly owe money to a XXXX. I paid all my loan and then some to XXXX and I do n't know who these people are that are trying to collect money from me. They called me at work and even after I told him I was at work and they were not allowed to call me the agent said they would continue to call me. I called him back and he kept hanging up on me until finally he transferred me to a supervisor. This is harassment plain and simple and I want to file charges on these people.

Company response to consumer: Closed
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to Equifax, XXXX and XXXX. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( XXXX ) and 25 ( Equifax ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Ever since 2013 I have been trying to pay Navient. They would say my payment went through, then I would get statements saying nothing was paid! Then I try and get a hold of someone to fix it and I get transferred to a million different people and STILL no help. 
Once money got tighter for us, i filed for deferment which the lady said I could file twice.So I did. Well it only worked the 1st time. I tried calling and emailing and couldnt get through or no email back. I also tried doing the student loan forgiveness and nobody was able to help me with that either. So I have had ENOUGH.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Fidelity National Information Services, Inc. (FNIS) (PA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I previously held a checking account with XXXX XXXX XXXX XXXX XXXX, and overdrew my account. I have since paid the debt in full with there attorney. However they did not accurately report that this debt has since been paid in full as of XX/XX/2017 and it's still reflecting with ChexSystems which will not allow me to open accounts at other financial institutions. Please correct immediately.

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 05-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with CHECK INTO CASH INC. (VA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/XXXX I made a payment using card, it was declined due to wrong zip. The merchant ran it again with the right zip. It was approved. The next day both charges were debited from my account. I contacted merchant and he stated he only received one payment and to contact my bank. I did and they said to have merchant fax a letter stating he would n't collect the one that declined which the bank has put in a pending status but have already taken the money for both out of my account. He faxed the letter then they said it was n't signed we faxed it again and again cause they said they could n't read phone number. Now the bank says they ca n't accept without the authorization code but he did n't get one on the declined charge. They say I have to wait 30 days to get my money.

Company response to consumer: Closed with explanation