vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
I opened a dispute with Discover Card because I was over charged by XXXX Moving Truck company for gas along with an invalid late fee for car trailer return. I provided Discover with the receipt for filling the gas tank at the station across the street right before the return, along with the return information for the car trailer. After Discover did what they claimed was their " investigation, '' which was nothing more than obtaining a falsified document, which was signed by XXXX of XXXX 's employees, the dispute was ruled in XXXX 's favor. I then informed Discover that the signature on the document provided to them was not mine, I also pointed out that I was only obligated to fill the tank up to where it was when I received the truck, which was documented on my sign out invoice, but instead I filled the tank to full, Discover reopened the dispute. In the meantime I called XXXX in objection to their employee signing their name on the customer portion of the document that they sent to Discover, they agreed that it was inappropriate and looked into the matter further. When they got back to me, they apologized and said they would credit my account for {$150.00} which included the {$73.00} disputed amount, plus an extra amount for my inconvenience. I informed Discover of the outcome. After XXXX credited back my account and everything was settled, Discover still had my account notated as the dispute being resolved in XXXX 's favor and the charge as being valid. When I called to make them aware of this misinformation, I was told that there was nothing they could do about it because the information was pre-printed. I asked that it be manually overridden so it would be reflected on my account accurately. After going back and forth trying to get the information corrected, I called the executive office and spoke with XXXX XXXX, which also resulted in no correction on my account. This company 's inability to document correct information is unacceptable and this level of complacency, incompetence and mediocrity is appalling. My account needs to be documented correctly to reflect the correct information. The employees at this company just throwing their hands up and saying there 's nothing we can do because something is pre-printed is ridiculous and I would like my account corrected properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN

Complaint narrative:
I financed an auto loan with UAC/CARHOP I filed a complaint with the BBB for inaccurate information being reported to the Credit bureaus. I was contacted by corporate saying it would report in 30-60 days. I was informed that upon the completion of the investigation due to filing XXXX disputes each time the information would reflect the update immediately. Each time the investigation showed no change. I paid the vehicle off XX/XX/XXXX. UAC is reporting that the account was closed as of XX/XX/XXXX and the last payment was made in XX/XX/XXXX. It is against the law to report inaccurate information. Payment history as well as paying a vehicle off affects you credit life tremendously, I reaffirmed this high interest loan in order to better my credit, and the inaccurate information affects my credit life a great deal. I have filed yet another dispute, and I have n't been provided with the correspondence between UAC/CARHOP. Only letters from the credit bureaus saying no change has been made following the disputes

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 2015-05-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Last Month I attempted XXXX purchase a Wireless Rioter I went 2 XXXX XXXX & Ordered one I made a mistake when Paying for it which resulted in XXXX Pay placing the charge on my Discover Credit Card.On XX/XX/2015 I notified Discover Card about the charge & also XXXX XXXX which resulted in my not receiving the Rioter or the Refund.I had emailed discover Customer Service a # of times & have been getting the Run Around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-08 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: MD

Complaint narrative:
My private student loan was originally serviced by what is now, XXXX XXXX XXXX. It was sold over 4 years ago to Discover Student Loans. When it was first sold I noticed the payments were {$100.00} more than the original payment with XXXX XXXX. My current monthly payment with Discover is {$370.00}. I can not pay that. I have told them repeatedly by phone and email, the payments are too much. I have asked if they could lower the monthly payments or refinance the loan to lower the monthly payment. My emails either went unanswered or I was told I have no choice but to pay it, as I had used all of my forbearance. The last email I sent was after a threat AGAIN, telling me the loan was in at risk of being default and that payment must be made or they will escalate it. I emailed the Director of Operations and to beg for his help and to explain what was happening, to this date I have gotten no response. AGAIN. I spoke to a supervisor who I thought would help that turned out to be the most combative conversation I ever had with a customer service agent. I can not live like this under constant threat, I am not refusing to pay them I just want to find a way to lower the payment. I have XXXX other student loans XXXX with XXXX XXXX which is currently on a reduced payment plan, from {$560.00}, approx. down to {$280.00} ( XXXX loans combined ) per month. I also have another smaller loan which is about {$50.00} per month. Discover is the only loan I literally can not pay and that is a problem. I am constantly given the " politically correct '' explanation on how they can not reduce the rate, the length of the loan etc, they explain that XXXX XXXX and others have alot more freedom than they ( Discover ) do to administer student loans, if that is they case why are they even allowed to offer student loans. I am not asking to not pay them I am simply asking to reduce the monthly payments. I even proposed a lower monthly payment of about {$250.00} for about three months, until XX/XX/XXXX, and in XXXX 2015 I would be able to bring account current then, Rejected completely. I need help in talking to these people. 

I have recently restarted my job search,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
AMERICOLLECT XXXX ACCOUNT NUMBERs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX XXXX XXXX XXXX XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX 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 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stuart-Lippman and Associates, Inc
State: VA

Complaint narrative:
XXXX XXXX XXXX in XXXX, XXXX intentionally denying my Error & Omission Certificate at the time of going into contract with them. Three day after signing a partial contract with this company, I returned to the office to void the contract due to the rediculous demands on the forms and also the manager XXXX who was about to hire me was terminating the agency and their management system and therefore, I quit with him. So, I was advised to submit my resignation letter to them by XXXX XXXX XXXX and I did that within in a month in XXXX 2013 and also submitted only XXXX policy to the management and left the office. Note, my E & O certificate was already submitted at time of employment application and also gave copy to XXXX administrator manager. Now, six months later XXXX agency in XXXX sent me to collection and asking for a debt amount of {$920.00} for E & O charges I did not pay to the agency simply because I sold XXXX policy and made commission and they also made money on the policy too. But they do n't want to honor my E & O certificate. I tried reached out XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and General Mgr XXXX XXXX by emails and even office visit to resolve this issue. They did not even look at my face and my credit report is been abuse by these agencies. All attempts did n't work out and I feel that they are discriminating against me. I tried XXXX XXXX collection agent in XXXX to resolve the issue. The manager XXXX XXXX XXXX refused and said, my E & O coverage requirement should be {>= $1,000,000} liability coverage and therefore they wo n't accept mine. So I requested them to send me a copies of E & O which XXXX agency paid in my absence of terminating their contract. It took the collection agency about three months to provide me copies. When I received those copies and reviewed it, I found out that they even have cheap liability coverage compare to what I have originally. So I asked XXXX and his representative XXXX XXXX ; why XXXX lied to me that they need XXXX liability coverage? Whereby XXXX coverage did n't come close to what I have, Why XXXX refused to honor my better E & O certificate and asking me to pay something they did not bring to my attention before when I was in the office? XXXX replied he was sent to collect a debt. Then I answered him so you were sent to lie to collect debt if so then I think we have to go court for the judge to rule this. He responded I can do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: WLCC
State: FL

Complaint narrative:
Lender sent a wage garnishment to my employer and added all these fee 's loan was for XXXX and now they are telling me I have to pay back {$900.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04 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:
Discover has repeatedly violated and presently routinely violates Indiana and the Federal Fair Debt Collection Practices Acts by : 1. calling right at ( XXXX ) or after XXXX. 
2. calling at my work phone/phone numbers which I have informed them is an inconvenient number to call me at. 
3. refusing to communicate with me via method most convenient for me ( email ). 
4. failing to notify me that any information is used for purposes of collecting a debt. 
5. using deceptive acts to collect a debt ( using false numbers/ghost numbers to contact me ). 
6. harassing me and threatening illegal collections practices. 
7. harassing me calling me at times over 50 times a day. 

XXXX has repeatedly failed to work with me in good faith so that I can me meaningful, and regular payments to pay down my loans. 

Discover has set up a system characterized by subterfuge and chicanery such that the put their student loan debtors in a catch XXXX situation where they are unable to make full payments and unable to escape Discover being the creditor. Discover has unilaterally set out to ruin my credit and keep me within their system of ineffectual " payment options '' which only results in growing the debt for Discover and further ruining my credit. Discover has modified the promissory note and offered a reduced payment option based on my income then arbitrarily and capriciously refused to accept the reduced payments. Despite me not being able to make their excessive monthly payments based on my salary Discover has failed to work in good faith with me to keep my loans current. Instead, not accepting the payments I could make as full monthly payments, Discover aggressively, maliciously, wantonly, willfully, and intentionally made negative reports on my credit history. As a result when I have tried to consolidate my loans through Discover and/or other institutions I have been invariably denied. Discover has created a system where it keeps its debtors financially disenfranchised and works to only increase the debt they own. 

Discover most recently in XXXX of 2016 fraudulently induced me to enter into a repayment plan to bring my loan " current '' with the promise of consolidation ; however after accepting 3 monthly payments from me, Discover failed to consolidate my loans ( all of which they own ) via its own consolidation department due to a poor credit score -- a credit score which they themselves have created due to their failure to work with me. Throughout this timeframe, Discover continued to make negative credit reports to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I ordered a tablet from XXXX ( order # XXXX XXXX, and my credit card was charged, however I never received the tablet. After a couple of weeks, I called XXXX and told a representative that I had n't received it. He told me that according to the tracking information, it had been delivered. I asked who had signed for it, since I had been home, and he told me a signature was not required. I explained again that I had not received it, and asked them to credit my account or send a replacement. He said that he could n't do that, so I asked to speak to the supervisor. After speaking to the supervisor, he told me the information given by the representative was incorrect, and I would be issued a refund within 10-12 business days. Two weeks later, I received my credit card bill, and the refund had not been issued. I disputed the charge with my credit card company XXXX Discover XXXX, and they said that according to the information given to them by XXXX, the charge was valid. I called Discover and explained the situation to them, and they re-opened the dispute, however I just received another message stating that according to the information given by XXXX, the charge had once again been found to be valid. Not only did I not receive the merchandise, but XXXX agreed to refund this amount, and now they are forcing through an invalid charge on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Miller, Stark, Klein and Associates
State: MA

Complaint narrative:
I received a call at work in regards to a debt from XXXX years ago. I have no knowledge of this debt and asked for validation. They stated they would email me validation which I did not accept, I wanted something via paper mail. They stated they did not have to mail me anything. I stated I did not want them calling my place of employment in which I was told that they did not have to honor that request but according to the Fair Debt Collection Practices Act ( FDCPA ) they should. I gave them my correct address and phone number so I could have any correspondence they have sent be received by me since there has been nothing to date. I spoke to a XXXX, who left me the first voicemail on XX/XX/2016 but he denied it was him on the voicemail, he stated he was a supervisor and did not make outbound calls but the voice on the message was his ( I have it saved for my records XXXX. I also spoke to a XXXX and both individuals gave me different total balances owed. So with that being said I told them I would dispute this since this was not my debt. I was told my balance owed would then triple if disputed it and I would receive paperwork " soon '' and would have to make an appearance before the end of the month or early XXXX XXXX XXXX XXXX stated that he was going to have XXXX XXXX '' speak to me to set up my court date via phone ( which is unheard of ) so I waited to speak to XXXX XXXX '' and no one has called to set said date up. XXXX gave me other information stating I would receive a letter either to my job or home address. So at this point I am waiting for these documents and any proof to dispute a debt that is n't mine. They were trying to use scare tactics to coerce me into agreeing to a settlement and saying that I would be taken to court under " fraud and theft '' because I told them I wanted to dispute this illegitimate debt. I have NEVER in my life heard of the practices this company tried to impose on me and am going to await the documents that should be forthcoming in regards to this erroneous allegation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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: FL

Complaint narrative:
Hello, my name is XXXX XXXX and I am a 2011 graduate of XXXX XXXX University with a student loan outstanding debt ( XXXX XXXX, Discover Bank ) of a small house in the country. The only major problem I have with that is the outstanding amount the loan company asked me to pay every month, which I was n't able to do. It 's the equivalent to a monthly lease on an apartment. This caused me to be referred to a lawyer firm to " collect debt '', XXXX XXXX XXXX to be exact. I 'm constantly being harassed that I should settle or increase my payments. Both of which I ca n't do because I do n't make that amount of money to be able to do just yet. I 've asked to be on a lower payment plan and I was denied. I 've asked what other options I have that could be worked out with me having to pay rent, eat, actually go to work to make money, etc. Nothing is really being done apart from the phrase " if you do n't increase your payments soon, there is n't much I can do. I 'm doing the best that I can, but clearly it is n't enough. The flip side to that is that I did n't land a job in the field that I graduated from. I 'm using what I did go to school for just a little bit. In all reality, I could 've just purchased software and used trial and error to figure this thing out. Now I 'm stuck paying this super huge amount of money back and the only thing I feel like was actually worth asking for a loan was the living expense that helped me get started in a new city as a young adult. At this point, I 'm sure I 've paid off that amount of living. 

In all reality, I do not believe that XXXX XXXX University is worth taking out this much debt unless you already have something established prior to attending. After doing research and hearing the amount of complaints with this school and the graduation rate, the proof is there. I have contacted the other student loan help ( which worked ) concerning federal loans ( subsidized, unsubsidized ), now I would like to have my private loans reviewed to hopefully get a similar result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
I was offered a promotion to open a checking account with Discover Bank. I had to meet a requirement to earn this promotion. The details were clear on my account application. I decided to open the account. I set up direct deposit with my employer and this has been ongoing. The requirement to earn the account promotional bonus was to set up direct deposit totaling at least {$500.00} within the first 90 days. Discover Bank received the second direct deposit on XXXX XXXX, 2015 that put me over {$500.00} in total direct deposits. This account was opened on XXXX XXXX, 2015. The details of the promotion/contract that I accepted was that the promotional bonus would be credited to my Discover checking account within 30 days. I continued to monitor the status of this promotion leading up to XXXX/XXXX/15 and had been assured both in writing and verbally that I had met the requirements of the promotion and that my bonus would post on or before XXXX/XXXX/15. The bonus did not post to my account on XXXX/XXXX/15 and I waited a few business days and then called Discover Bank once again, and contacted them in writing. Discover Bank has refused to credit the bonus to my account. I have fulfilled the terms of our agreement and am asking that this bonus be posted to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, I received a wage deduction summons from the XXXX Court of XXXX County IL for a debt to Discover Bank in the amount of {$9700.00} plus cost for a total balance of {$15000.00}. 

I do not owe this debt as it is not my debt. My mother, XXXX XXXX was the primary account holder for the Discover account. I was merely an authorized user on the account. My mother filed bankruptcy in XXXX XXXX and Discover was listed among her creditors with an amount owed as {$9100.00} In XXXX XXXX, this debt was discharged. Please see attached documentation. Discover is illegally trying to collect on a debt that I do not owe. This is an unethical practice. Any assistance the CFPB can provide in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation