vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Miller, Stark, Klein and Associates
State: MO

Complaint narrative:
I have received 2 phone calls now from a place called Miller , Stark , Klein and Associates. They claim that they are collecting on a debt that I owe from XXXX or XXXX. I told them that I did not know what they were talking about and handed the phone to my daughter both times that they called. Therefore, they broke the law by talking to someone else about my alleged debt. They have threatened to take me to court and sue me for this since I will not set up payments with them over the phone. My daughter told them during both calls that I do not owe this debt. She also told them that they are breaking the law by trying to collect on the alleged debt because it is too old and way beyond the statute of limitations. Each time the person became angry and stated that they will sue me for this debt that I do not know anything about. They have never sent me a bill which is also illegal. They have only contacted me over the phone. They have the last XXXX numbers of my Social Security Number and I do not know how they have that. They said that they will garnish my wages too, I am old. I do not understand what is happening. I almost had a nervous breakdown after the second call. I have not cried like that since my wife passed away. My daughter and granddaughter had to talk me through it. I have XXXX. This harassment and lies does not help. I need you to help me, please. Make them stop. They are breaking the law. They say that they can do this, but my daughter tells me that they can not. I found on the internet on an FTC page that there are companies with similar names to this company that has already been in trouble with the FTC. Apparently, they have now started a new company and are back at using illegal debt collection practices. Their phone number is XXXX and again, it is Miller , Stark , Klein and Associates. Please help me and make them stop.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
New Information Re : Discover Card trying to falsely collect on alleged debt due to a lost card. They continue to knowingly and falsely publish debt that 's not owed which is damaging my credit. I provided the information I have but, they have not reciprocated since this is all alleged and not mine, they have failed repeatedly, will not provide any supporting information. I have tapes. Tapes will show Discover is in violation of Federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
Discover card is reporting a negative account that I was previously listed as an authorized user on. As an authorized user I am not responsible for the account in any way, yet they are damaging my credit. I have called them to dispute the account and requested them to remove it, but all they tell me is that I 'm no longer listed on the account so there is n't anything they can do about it. They placed it on my credit, but refuse to remove it. According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
I check my balance today at Discover it it displyed the following ( information also in the from as an attachment from the website ). 

Last Statement Balance : {$310.00} Recent Transactions : {$850.00} Recent Payment and Credits : - {$0.00} Current Balance : {$1400.00} I am not sure how you do that math. How can you add XXXX to XXXX and arrive at XXXX? That is just incorrect and Discover is trying to deceive customers. How are they off by {$300.00}? 

Now Discover might state that it is because of Pending Transactions. However, that is not true. Also included in the transaction is all of the current Pending Transactions. You will notice that this total is {$59.00}. So I will give Discover the benefit that my current balance may include pending transactions but that still means there is a difference of {$240.00}. Additionally, Discover gives the definition of Current Balance to say " Your Current Balance is the total of all transactions posted to your account as of the previous business day. '' Please note the key words of POSTED and that there is no mention of PENDING in that statement. This information can be found at Discover.com. I understand that there are some merchants that can impact the Available Credit ( i.e. Hotels, car rentals, etc. ) But as stated on their site, this will affect the Available Credit and NOT the current balance. Current Balance seems like a pretty easy calculation and they even lay out that calculation on the website as seen in the attachment. 

This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK
State: IN

Complaint narrative:
Finance company is unwilling to work with me in reducing payments to something that is actually reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
Found a Hard Inquiry Entry on my consumer credit report for a Discover Personal Loan dates XXXX XXXX 2016. I have not record of requesting either written or verbal for Discover Personal Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
I applied and was approved for discover credit card XX/XX/2015. XX/XX/2015 Discover started a double cash back bonus promotion. Basically at your one year card anniversary the dollar amount of cash back bonus that you have earned would be doubled by Discover. So at my one year anniversary I noticed my cash back did n't double. I called Discover and asked about it They said that all card members were notified by email or by mail XX/XX/2015 giving them the chance to opt in to the promotion. I never received notification. Why would anyone turn down the chance to double the cash back? Why did n't Discover just enroll all of its eligible customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Miller, Stark, Klein and Associates
State: ID

Complaint narrative:
This company calls every morning, leaving a message on voicemail, and does not identify itself and asks that I call about " a very important matter ''. The number they ask me to call is XXXX. After research online, i found that they collect junk debt. I want them to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
XX/XX/2016, Discover cancelled my credit card due to 2 late payments more than a year apart. The payments were not 30 days late and the second payment was one day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stuart-Lippman and Associates, Inc
State: CA

Complaint narrative:
collection agency sent a letter demanding payment for alleged amount I do n't own to auto insurance company. I sent a letter with notice of dispute and requested verification of debt. In response i receive a letter from collection agency that stated " documents can be requested from debtor by contacting the customer service center ''. This does not comply with requirement of debt verification under state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a voice mail from a lady named XXXX around XXXX and on the voice mail she threaten to take legal action if I did n't return her call by XXXX. She left XXXX numbers on the recording : XXXX and XXXX. Because of the threating tone, I told my XXXX husband, XXXX. I provided him with the phone numbers because I was experiencing mental anguish over the nature of the call and had not gathered my composure. He called and XXXX XXXX answered the call. XXXX XXXX was rude and told me that she was calling about the debt associated with a discover card account # XXXX in the amount of {$2900.00}. I indicated that we both had experienced episodes of identify theft and I would like to speak to her supervisor. At that time, she placed me on hold and I was able to speak to XXXX XXXX XXXX. I asked XXXX XXXX when was this debt incurred and she stated that the account was open on XXXX and closed XXXX. When I asked XXXX XXXX why was she attempting to collect a debt over eleven years old, she stated that her company just got the account. When I told her that she was not following federal guideline as a debt collection agency, she became irate and evasive. I asked to proof her identify by reciting her driver 's license and she refused. I told her that she had not validated the debt. I told her to show proof that the debt was assigned to her collection agency along with the date and by whom. XXXX XXXX hung up the phone. In fact, the phone was hang up on me XXXX or XXXX times each time I called back. After getting off the phone, I told my XXXX wife that someone is conducting an illegal investigation into our credit background. I asked my XXXX wife did she know anything about the debt and she told me that that account was dissolved in bankruptcy court in XX/XX/XXXX. After this incident, I researched this collection company, XXXX XXXX XXXX, and found the owner to be XXXX XXXX and that the company was bonded XX/XX/XXXX. As with a similar complaint on file with your agency # XXXX, this above named collection agency had no legal standing to attempt to collect a debt that was already liquidated and well out of the statute of limitations. Please have XXXX XXXX provided his occupation over the past twenty years and the name of the individual, his affiliation, his company, the creditor who forwarded this account to his collection company. Also, please have XXXX XXXX provide documented proof that this debt was assigned to him by the original creditor, a workable phone number to reach said individual and the driving license number of said person, and again the date that this debt was assigned to his company. The request for a driver 's license of the person who transferred this debt is significant because we believe that this is a bogus and fraudulent attempt to collect a debt and it violates the fair debt collection practices. 

XXXX XXXX and XXXX " XXXX '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
On Tuesday, XX/XX/2016 I logged into my account to review and went to the Activity & Statements page. The page read the following : Last Statement Balance : {$120.00} Payments and Credits : + {$0.00} Transactions : + {$63.00} Current Balance : {$190.00} If you do the math, that is incorrect. {$120.00} + XXXX = {$180.00} and not the {$190.00} they are saying. Discover is trying to illegally take additional money from me that I have not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: WLCC
State: MI

Complaint narrative:
they sent a fax to the head of HR and accounting at my company with a fake wage garnishment form. luckily she realized it was fraudulent and illegal before sending it through to garnish my wages. I sent them an e-mail, fax, and certified letter telling them to cease and desist all contact with me and my employers. they continue to call and send e-mails to my company e-mail threatening to send another fax to garnish my wages. i received one of those emails agian today. i have included the latest e-mail. i told them to stop this harassment back in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
I originally tried to pay this bill to the hospital XXXX ( orignal owner of my debt ). I had XXXX and was waiting to get a few pay checks to get caught up. I know I owed this money, not trying to get out of that. I received a bill from XXXX and I called in ( being proactive ) and I paid my bill in full. I also asked them to make a note on my account that I attempted to pay the bill to the original debt owner ( hospital XXXX ). The lady handling my case was rude to me and called me goofy for wanting that noted. Then she hung up on me. Rude to me and calling me names when I am paying my bill in full is uncalled for. No wonder these people have bad reputations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I attended a session because I want to purchase a home. The HUD certified counselor pulled my credit report and discovered that my father 's credit accounts were reported in my credit report. My father and I share the same name ( Father : XXXX XXXX XXXX. Son : XXXX XXXX XXXX ) but our date of birth are different as well as our social security number. The counselor assisted me with preparing the documents to dispute the accounts. I received a letter from Equifax stating that the accounts could not be deleted. I have uploaded my credit report and highlighter the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
XXXX ( or XXXX XXXX - not sure ) acquired my mortgage from my lender ( earlier servicer was XXXX ) late last year and I have had nothing but trouble since then, including the continued pursuit of foreclosure after I reached agreement on bringing my payments up to date ( I was late on XXXX payments ). The loan has now been brought current. This month, I made the payment due XXXX XXXX on XXXX XXXX, thru my electronic bill pay at my bank. The funds were debited from my account. Although I made the payment last month in exactly the same way, today, I got notice from my bank XXXX XXXX XXXX XXXX advising that the payment had been rejected by Seterus. I have spoken to Seterus, which claims it has no record of having received the payment. For now, Seterus shows that it has not received payment, but the funds have not been put back in my account ( I can not make the payment until I receive the funds back in my account ). If nothing else, I 've just wasted an hour of my time trying to get this cleared up ( XXXX ). See below : " The following payment was returned to XXXX XXXX. We are in the process of crediting this payment back to your XXXX XXXX payment account. Please allow XXXX5 business days for the payment to be credited if funded by a checking account, or XXXX7 business days if funded by a credit card or line of credit. 

Payee Name ( Nickname ) : SETERUS Account Number : XXXX Payment Amount : {$1700.00} XXXX XXXX Payment Account : XXXX Payment Send On Date : XXXX/XXXX/2015 If you did not place a stop-payment request on this item, there are several possible reasons for the credit : * Your payee account name, number, or mailing address may be incorrect. 
* The payment was sent more than 90 days ago, and the payee did not cash the check. ( Checks not cashed within 90 days are automatically credited back to your account. ) * Your account with the payee has been closed. 
* Your account with the payee has a credit balance. 

Before scheduling additional payments to this payee, you may want to verify the payee information or contact your payee directly for the specific reason for this returned payment. 

If you have questions, we are available XXXX days a week. Call XXXX XXXX Online Customer Service at XXXX or sign on XXXX to send a secure email. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is still reporting as open accounts XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Bankruptcy was discharged XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
this not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I DISPUTED ACCOUNT ON MY EQUAFAX CREDIT REPORT AND RECENTLY THE ACCOUNT WAS DELETED OFF OF MY CREDIT REPORT. GRANITE STATE MANAGEMENT WAS A CLOSE STUDENT LOAN ON MY CREDIT REPORT AND IT WAS A PAY AS AGREE ACCOUNT ON MY CREDIT FILE. THE REASON WHY I DISPUTED THIS CLOSE ACCOUNT IS IT WAS REPORTING A WRONG DATE FOR DATE OF LAST ACTIVITY ON THIS ACCOUNT. IT WAS REPORTING XXXX XX/XX/XXXX DATE ON THIS FILE. I MADE MY LAST PAYMENT ON THIS ACCOUNT IN XX/XX/XXXX WHEN IT WAS TRANSFER TO ANOTHER OFFICE. THE DATE OF LAST ACTIVITY NEEDED TO BE UPDATED TO SHOW THAT THE LAST ACTIVITY DONE ON THIS ACCONT WAS IN XX/XX/XXXX NOT XXXX. THIS ACCOUNT WAS CURRENT TILL IT WAS CLOSE BUT ACCORDING TO MY CREDIT REPORT IT SHOWS LAST ACTIVITY WAS XX/XX/XXXX. SO I CALLED GRANITE STATE AND THEY SENT ME A PAYMENT HISTORY OUT ON THE ACCOUNT AND I SENT THEM A FAX OF THE ISSUE WITH THE ACCOUNT. A WEEK LATER THE ACCOUNT WAS DELETE OFF OF MY FILE BUT GRANITE STATE SAID THEY SENT UPDATE TO EQUAFAX TO GET THIS ACCOUNT UPDATED / EQUAFAX SAYS GRANITE STATE REQUESTED TO HAVE THE ACCOUNT REMOVED. GRANITE STATE SAYS THEY DIDNT ASK TO REMOVED THE ACCOUNT,. THEY ASK ABOUT DOING A CONFERENCE CALL WITH EQUAFAX AND EQUFAX SAYS THEY DONT DO CONFERENCE CALLS. THIS ACCOUNT NEEDED TO BE UPDATED AND I ASK IF EQUFAX SENT ANY INFORMATION REGARDING THIS ACCOUNT TO THEM AND THEY SAY THEY HAVENT RECEIVE ANY DOCUMENT. I WANT THIS ACCOUNT PUT BACK ON MY CREDIT FILE. THIS ACCOUNT IS A CLOSE INSTALLMENT LOAN CLOSE IN XX/XX/XXXX AND IT NO DUE TO COME OFF TILL XX/XX/XXXX. I HAVE DOCUMENTS TO SUPPORT MY CLAIM. ON A EARLIER CREDIT REPORT IT SHOWS THE CURRENT DATES ON THIS ACCOUNT BUT A COUPLE OF FILE SHOWS DIFFERENT DATES. I WOULD LIKE EQUUIFAX TO SHOW GRANITE STATE MANAGEMNENT THESE DOCUMENTS. I WOULD LIKE BOTH OF THEM WORKING TO GETHER IN GETTING THIS RESOLVED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
i faxed chase jp morgan two seperate times at the XXXX XXXX fax number for disputed charges only to be ignored get zero coorespondence and its a lot of money and its mine. with all the tricks out there, i dont know how they got my info. 
ill list the charges cause theirs a bunch. 
i live in XXXX, i have XXXX notirizsd letteres from XXXX seperate people, i wasnt even in XXXX from XX/XX/XXXX till post new year. not to mention guys i have the letters i never in my life stayed at the XXXX in XXXX but theirs a charge for {$1600.00} on XX/XX/XXXX which ive told chase about but did nada. all i rrequested wasa signature to verify allowance of these charges or proof my pin number was used and to this day a year later ignoring me. next couple charhes were by med places which one i dont recognize or gave auth to charge on XX/XX/XXXX for {$150.00} to XXXX never been there ... next XX/XX/XXXX XXXX XXXX XXXX for & XXXX andnog onnly did my indurance pay hin but i was three days XXXX, i was in bed ... .next XX/XX/XXXX from XXXX for XXXX..they promised the tickets i never got them and if they claim i do show me my signature caue you know they send XXXX or XXXX! same deal w/ XX/XX/XXXX from XXXX for XXXX never got the tix ... XXXX last XXXX from XX/XX/XXXX from XXXX ... i ordered the items, they were delivered signed for not by me or this house and again chase just ignoring me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has been reporting false information on my credit report since XXXX XXXX that has prevented me from renting an apartment. They have XXXX collections listed from XXXX XXXX XXXX / XXXX. This information was previously deleted via a dispute in XXXX XXXX. Equifax continuously states that the company ( XXXX ) is verifying the information that account belongs to me but fails to provide any proof of the alleged debt and method of verification. I have sent in documents directly to Equifax showing that the account that is reporting the information does not match to what XXXX is claiming and the original creditor is XXXX XXXX and it does not match that of XXXX. I have requested a signed contract that has my signature showing that I agreed to terms with XXXX communities which both Equifax and XXXX have failed to provide ( because it does not exist ) yet both Equifax and XXXX do not provide any additional proof and these XXXX negative collection entries remain on my credit report.

Company response to consumer: Closed with explanation