vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
I have a collection account with XXXX XXXX University, for tuition owed for classes they claim I did not formally withdraw from in time during XX/XX/XXXX. The amount of this debt showing on my XXXX XXXX credit report is {$1700.00}, as reported directly by XXXX XXXX University, on XX/XX/XXXX. 

The law firm now handling the collection, Keith D. Weiner & Assoc. Co. LPA , is claiming I owe over {$2700.00}, due to " collection costs. '' They claim the initial balance with XXXX XXXX University was {$1600.00}. 

I disputed their claimed balance amount with them, based on the balance amount XXXX XXXX is reporting to XXXX XXXX. 

A representative for Keith D. Weiner & Assoc. Co. LPA , using the alias " XXXX XXXX '' ( XXXX ext. XXXX ) said his firm will just " file a summons, '' " get a judgment, '' and " garnish my wages when I do get a job '' per our telephone conversation on Monday, XX/XX/XXXX at XXXX EST. 

Prior to this, he made similar threats, such as on Friday, XXXX XXXX at XXXX. 
Prior to even attempting to call my personal phone, XXXX XXXX called my part-time employer on XX/XX/XXXX at approximately XXXX, and spoke to the owner of the company. 

On the same day, XX/XX/XXXX, XXXX XXXX called my personal phone at XXXX. 

The amount Keith D. Weiner & Assoc. Co. LPA , claim I owe has now been inflated by 65 % ( {$2700.00} vs. {$1600.00} ). 

The collection tactics they are using and their inflated amount they claim I owe, may be in violation of Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Smart Auto Leasing
State: NV

Complaint narrative:
I was receiving notifications via text to my cell phone number XXXX regarding my auto loan account. Within the text It states " to opt out reply STOP ''. I replied STOP on XXXX/XXXX/15 and received the reply " You 'll no longer receive account mgmt msgs. I have received text messages on XXXX/XXXX/15, XXXX/XXXX/15,XXXX/XXXX/15 regarding the auto loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
From XXXX 2014 to XXXX 2014, XXXX XXXX kept charging {$52.00} to my credit card although I canceled their services since XXXX. I disputed the charges and XXXX of their supervisors called and told me all charges will be credited. They made XXXX charges and only credited XXXX. Their automated system turned the balance ( {$52.00} ) to a collection agency by the name of Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX who put the derogatory charge on my credit report. I was n't aware this derogatory info was on my credit report since last year as I have been applying for loans and was getting denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX, I attempted to deposit a check ( for {$500.00} ) at my bank 's ATM. The ATM would not allow me to deposit it so I left without completing a transaction. A few minutes later I received a text saying that {$100.00} had been withdrawn from my checking account. I called the bank within 2 hours of receiving the text to let them know that I did not make that withdrawal. The bank employee assured me that they would review the video of the ATM and as long as I was n't the person who took out the money, they would refund the money to me. On XXXX XXXX, they sent me a letter saying that no dispensing error occurred and they were discontinuing the investigation ( without refunding my money ). They also sent me the ATM audit, which shows that the money was withdrawn at XXXX, and someone immediately after me used a different bank card at the same time ( XXXX ) without completing a transaction. Based on this information, to me it looks like it is possible that someone ( either accidentally or on purpose ) took the money out of my account instead of their own account. I called the bank on XX/XX/XXXX to see if they were going to review the video of the ATM. They indicated that they would not review the ATM video and refused to give me a reason as to why they would n't investigate this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I bought a XXXX Chevrolet at a used car lot. The full sum {$8600.00}. When I drove it off the lot The brake light, the ABS light, the drivers airbag was on constant, the passenger airbag light on constant, The was NO drive/reverse/park, neautral, D1, D2 showing at all to know where I selected. 
The brake pedal was low and spongy. This vehicle is UNSAFE. I brought it back the next day to be corrected Their mechanic hooked up his OBDll tool and found nothing. 
I brought back the truck within 48 hours of buying it and told he company it is unsafe for the person in charge I do n't want it. I left the keys with the person in charge. I gave {$1100.00} cash up front. I asked for my money back. They have been ignoring my requests.

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 2016-01-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
My son was an authorized user on my Discover account. He went to the store to use the card where he often shops, and when the card was swiped, the code came up " Call Authorities. '' Fortunately, the cashier knew him enough and did not call the authorities. 
I contacted Discover and they told me that they had requested the authorized user 's SSN and DOB by email or mail, and when they did not receive the information they removed him from the account. I understand this part due to the Patriot Act. However, I have gone through all my emails and paper mail and I received no such request. I also did not receive any notification that my son was removed from the account. 
What I am furious about is that the code sent to the merchant at the time said to " Call Authorities, '' scaring the XXXX out of my XXXX year old son, and making him look like he did something wrong. 
When I contacted Discover, the agent was very helpful, but also agreed that the code sent to the merchant should have just been a decline. I am not sure if they are having system issues with this type of decline or what, but I am so furious about this. I can not imagine what it would have been like if he had been somewhere they did n't know him and actually called the authorities, as directed by Discover. He visits XXXX and XXXX, and this is the card that I send for emergencies too! What would have happened? I am now requesting compensation for this bad bad error. I would like an account credit for no less than {$500.00}. I do n't even think that 's enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: NC

Complaint narrative:
I received a call in XXXX that my private Discover Student Loan ( serviced by XXXX XXXX ) was in default and there was nothing I could do to bring it out of default. I was attending school and somehow the information was not relayed that I was still in school. The representative informed me that if I did not make payments, they could garnish my wages. I did not have the money at the time to make a payment. The loan servicer has continued to call me aggressively. The loan servicer also made calls to my family. Recently, I went online to try to make a payment but the account now States " referred to law firm ''. I also noticed additional fees were attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I rented a home, and subsequent to my move out inspection, which was signed and dated by me, I was sent a different fabricated move out inspection form which was inaccurate and had on it whatever the company decided to add. I then was sent a deposit reconciliation form with inaccurate and inflated charges. To which, I repeatedly wrote to them, sending them pictures of the preexisting condition of the home. They have since responded by not reading the documentation I submit and reassigning me to a new property manager after the end of my lease. Asking or requiring me to resubmit all the documentation I had already submitted to the property manager who was in charge at the termination of my lease and who did the final inspection with me. They have ignored my emails and unilaterally sent my file to debt collection. Who in turn calls me and states to me that they will be sending me written correspondence to my office in Florida, however the documentation never arrived and there was a collection added to my credit account shortly thereafter. In addition to the pictures and email of the pre existing conditions of the home. I also have multiple witnesses who assisted me during my move out to clean and replace items that needed the same. Its quite clear that some of the things they are trying to collect from me for are fraudulent and or exorbitant and I have proof in pictures, witnesses, along with discrepancies in where the property management contradicts it 's self in its own documentation. They have kept my deposit and have fabricated damage that doesnt exist and or was preexisting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Placement Services, LLC
State: MN

Complaint narrative:
I am a victim of identity theft and someone stole my personal information and opened an unauthorized and fraudulent account in my name with XXXX XXXX and XXXX XXXX and accumulated a debt of {$670.00} that do not belong to me. I been receiving harassing and threatening telephone calls including XXXX for an account and debt that do not belong to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: KS

Complaint narrative:
In XXXX 2015, an account was opened with Discover Online Savings Bank in my name. This was a fraudulent account and not requested by me. I have attempted to resolve with Discover direcly, providing documentation and a signed affidavit stating that this account was not opened by me. I have requested proof that its been removed from my name and none has been given. I received a statement on the fraudulent account on XXXX/XXXX/15 still showing the account open and in my name. I called Discover again and was rudely stopped from getting any information about an account in my name, all I was asking was why this account is still showing in my name and has it been closed/marked as fraud and removed from my records. The representative and manager I spoke with refused to provide any such assurances because I would not provide my personal information to " verify '' the account. I did provide the information on the statement but apparently thats not enough. They claim to refuse to provide me with this due to their security verification protocols but its a shame that they didnt do this when opening the account with the fraudster. I have no accounts with Discover and certainly never will based on this horrific experience. 
Please ensure that Discover confirms that this account was opened as fraud and my information and records reflect no existince under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover Bank had frozen all my accounts on XX/XX/2016. I understand that the bank could have legitimate reason to freeze accounts, but it has also a duty to notify an account holder. It has not been done timely in my case. I was unable to use my accounts until XX/XX/2016, because the department who placed a hold on my accounts was closed over the weekend. What was most appalling about the way the situation was handled that while on XX/XX/2016, the bank representative was apologetic for not notifying me, on XX/XX/2016, the bank representatives, one after another, changed their tune and started telling me that they had called me to let me know that my accounts are being frozen. I spoke with XXXX, then with XXXX ( ID # XXXX ), and finally with Discover Bank supervisor XXXX ( ID # XXXX ). I asked XXXX to document my complaint. XXXX claimed that she has filed a complaint on my behalf and gave me conformation # XXXX. Further, XXXX stated that she will be investigating my complaint and will credit {$50.00} to my account ending in XXXX if she finds that Discover Bank has failed to notify me by calling my phone number ending in XXXX. My phone registers all incoming calls, there is no record of calls made by Discover Bank. XXXX made a promise on behalf on the Discover bank and such bilateral promise is legally binding and enforceable in a court of law. I want Discover bank to live up to its promise and credit {$50.00} to my account ending in XXXX for inconvenience and havoc the bank caused by failing to timely notify me about its adverse action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: WV

Complaint narrative:
Card got behind the company closed the account and its marked charge off and they sent me a XXXX for my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I was moving out of my apartment complex, The XXXX XXXX XXXX XXXX ( Formally XXXX Apartments ) in XXXX Georgia, and paid all the rent that i thought i owed in XXXX of 2014. I was verbally informed that i paid everything owed and therefore assumed my bill was fully settled. Several months later i got a call from a debt collector, Rent Recovery Solutions, stating that i owed {$720.00} for various reasons. I never received a bill from the XXXX complex nor did they attempt to contact me regarding this bill at any point. After requesting an itemized bill from the debt collector i concluded that i owed a partial months rent which i paid. That brought the balance down to {$440.00} which the apartment complex claimed were damages done to the apartment. I am disputing this for several reasons. 1. There was no move in inspection performed when i took control of the property. 2. There was no move out inspection performed and therefore my signature is not present on the billing document. 3. I know that there was no move out inspection performed for the previous tenant as i am friends with him. 4. One of the items on the bill was marked as damage several months after moving out, this is not allowed by Georgia law. For these reasons there is no way for the apartment complex to accurately say i caused any of these damages. In addition Georgia law states that the complex is required to give me an itemized list of any damages upon move in, this was not provided. Georgia law also states that i must be present during the move-out inspection and sign the document to ensure an accurate list is maintained, i was not informed of any move out inspection and the documents sent to me do not contain a move out inspection, only a bill.Georgia Law also states that a move out inspection must be performed within three business days after moving out. One of the items on the list was added almost three weeks after moving out. 

Rent Recovery has been informed of all of these reasons and also told me that i could not contact XXXX XXXX to resolve this debt and must deal with them directly. After citing several Laws and filling a dispute with the credit agencies XXXX XXXX and XXXX have not removed this debt that they claim i owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Credit Card : My credit line was declined. 
My automatic payment was removed. 
I was charged a late fee. 
The bank will not return the late fee. {$25.00}, this is the fist time I would be late. I am not sure why they will not return the late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 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: IL

Complaint narrative:
I transferred into XXXX University in XXXX, IL from a small college in Wisconsin after my freshman year. After realizing I did n't want to be in a small city setting, I transferred and left behind my scholarships. Unfortunately, many schools do n't hand out scholarships to transfer students and my parents were right above that line for federal aid, so I had to take out all private loans. Not realizing repayment options for federal and private loans were different, my family and I did n't think taking on a large debt sum was going to be that big of a deal. When I realized I did n't want to become a doctor anymore and was n't going to make as large of a salary things got a little scarier. So I ended college with over XXXX dollars of student loan debt. Discover student loans wanted me to pay near {$1500.00} a month, six months out of college. When I explained my situation they told me to ask my cosigners for money. When I told them XXXX was recently XXXX and put on long term XXXX and the other only made {$38000.00} a year, they told me I only had a few options. The lowest payment option was {$1100.00} a month, which is technically interest only and is only available for 6 months. I started paying this along with {$200.00} a month for federal loans, totaling {$1300.00} a month. Thankfully I got a pretty good job right out of college or I would n't be able to survive. However, I am barely surviving as it is. I have to pay rent, bills, and loan payments. In order to do so I work my full time job, babysit at least 3-4 times a week, stick to a pretty strict budget, and try to pick up side jobs here and there. While struggling, Discover proves to be less than helpful. Every time I call it 's either " too early to talk about my options '' or I need to " call back later ''. I can never get a straight answer and when I do there 's no wiggle room. Even if I paid XXXX a month to them, they told me that it would put my loans into default and they could garnish my wages. What XXXX XXXX XXXX can pay {$1600.00} a month in student loans ( federal and private ) and pay for rent, bills, and still eat? Not any that I know. Every time I try to work with them to get a lower payment plan they tell me that their agents are busy and will call back later, but I rarely get a call back, which just causes another call from me ending in a circle. My 6 months of reduced interest only are up and I 'm back to the circle calling. I do n't know what the next option is and I do n't know how much longer I will be able to survive like this on a entry level salary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: MN

Complaint narrative:
The loan was sold by XXXX to Discover, ever since Discover has canceled my autopay eight times, set autopay up to the incorrect checking account three times, input the incorrect addresses ten times, and now has increased my payment amount with no notification and will not change the amount that my autopay is for regardless of four attempts to have it changed. They instead are sending me late notices for {$5.00}, imposing late fees, and reporting late payment to the credit bureaus. 

In my opinion they are committing fraud by refusing to change my autopay amount to the correct amount and instead trying to collect fees. There is no way for me to change the amount myself, it is something they need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: UT

Complaint narrative:
For the past several months, I have contacted Discover card via online chat, disputing the fact that my statement does not provide me with complete or full disclosure as to how my payments, including additional payments, are being applied towards my account. It also does not provide ACTUAL current balances still owed, as well as when my promotional interest free period expires. I have attempted to get Discover to provide this information on my statement on XXXX several occasions. I am told, this is general industry practice, and they are well within the law. I do not feel that i have TOTAL disclosure, as they do not provide me with the ACTUAL amount that is being applied toward my balances. They give me the formula that they use to generate their interest charge, and i have to figure it out myself. I do not know how much of my additional pmt being made is actually being allocated towards the higher interest balance, they only tell me that it is going down. I guess i am just supposed to believe this? I have asked that my statement provide the actual balances still owed, as well as the breakdown of actual payments made, and where they are applied, to which balance, as well as when promotional period expires. I do not feel I have total disclosure of my billing, since i can not see exactly where my payment is being allocated, other than they tell me that my balance is going down. I should not have to just take their word, it should be provided to me, in my statement, on a monthly basis, so i can see EXACTLY how much i still owe in each balance, both the higher balance, as well as the interest free balance. If this truly is standard industry practice, I believe it is an unfair billing practice, meant to be vague and deceitful.

Company response to consumer: Closed with explanation