vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: NV

Complaint narrative:
The original creditor can not find the accounts. XXXX of nevada can not find same accounts as americollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NATIONWIDE ACCEPTANCE LLC
State: LA

Complaint narrative:
I fell behind once on my car payment ( XXXX/XXXX/15, {$330.00} ) but have a grace period ( XXXX/XXXX/15, {$350.00} ) and made automatic payment arrangements to pay {$250.00} on XXXX/XXXX/15 but apparently something adverse occurred & the full payment was n't successful only {$200.00}. The representative that called my phone at XXXX had not only a nasty attitude but threatened to repossess the car if they did n't get the {$47.00} that 's remaining for the agreement but the whole time he 's threatening me I 'm trying to tell him that it 's not an issue I 'll go load the money on a card so they can get the remaining {$47.00} dollars. He continues with the threats saying if they do n't get the {$47.00} that they 're going to repossess the car, I told him that I did n't like how he was talking to me & threatening me when I 'm going to correct the simple issue by applying more money for the agreed payment but he kept on with threats & a very nasty attitude so I asked to speak with a supervisor & was told that " I am the supervisor! ". If I would n't lose money that I 've already invested in this car I would definitely send this car back because of this companies customer representative & if I manage to save another down payment I wo n't concern myself with the money I 've loss making payments & give the car back & take my money to another car dealership that deals with a different bank/loan company because that Nationwide Southeast customer service representative had absolutely no cs skills whatsoever, all he did was threaten & talk over me, he did not try to listen or get an understanding about what was going on, which is at the least what should 've been done so the issue could be rectified. I 'm going to make sure that I report this company complaint to every source available because people do not deserve to be talked to or handled like this under no circumstances! His attitude & behavior was atrocious & the fact that he was a self-proclaimed supervisor makes this issue even more appalling. I will try my hardest to save for another car down payment just to not do business with Nationwide Southeast again!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK

Complaint narrative:
Hello, I took out a student loan with XXXX in XX/XX/XXXX to take marketing courses at University XXXX. The courses were demeed to prepare one for a marketing manager role which was untrue. I digress, about 2 years ago XXXX XXXX sold my loan to Discover. Discover has never been able to show me my full repayment history. It 's not available on my online account. I have called customer service many times to find out how much I have paid etc. They will not provide me with anything. The history in my account only shows the payment for the last month and sporadic untrue payments ... like a few payments in XX/XX/XXXX. Also, I have moved abroad and I can only pay from a XXXX bank account. I have direct debit set up and yet every month I get emails from Discover saying that i need to log in to my account to make a payment. I just received XXXX now on XX/XX/XXXX and my account is up to date! No payment is due until XXXX XXXX! So despite not having been a XXXX citizen, I was able to take out student loans for an expensive and inappropriate course, and 14 years later I 'm still paying and ca n't get an accurate history of what I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 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: SC

Complaint narrative:
I do not know about this debt at all. It says I owe {$690.00} against XXXX XXXX XXXX XXXX apartment, however I do n't know of any amount which was due at the time of vacation. Property manager confirmed me I had ZERO balance in my account. After 10 months or so I came to know I have to pay this amount but they never provided any evidence of this bill was due. Due to this collection my credit score is highly impacted and would like to have removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: DISCOVER BANK
State: OK

Complaint narrative:
I was a co-signer on an original student loan, my son refinanced it through Discover student loans. 

They call me at all hours, leave messages. They leave their number but never a name of the company. Just that it is an important business transaction WHen I speak to them the payment is not overdue, they are calling 5 days before it is past due. I direct them to check their on line system, and when they do every time the rep. says that the payment was made within the last XXXX or 36 hours. Then they hang up. 

I have told them time and time again, I am only the co-signer possibly, and not to call me until the debt is overdue, and they refuse to accept this. I get these calls regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
I have a credit card account with Discover. My entire balance is fraud and they are not taking action and this is hence affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I joined XXXX XXXX as a consultant the first week of XXXX 2016. I charged {$150.00} & {$680.00} on my Discover credit card. About a week and a half after joining they sold the company to XXXX XXXX. I requested they cancel my request and give me a refund. To date I have not received the merchandise or a refund. I disputed the charges with Discover who stated XXXX XXXX provided documentation that XXXX left the merchandise at my front door. I have not received anything and have been trying to get my money back since XXXX without success. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
Today on XXXX XXXX, 2016 @ XXXX XXXX I received a phone call at my work number from a representative of Discover Card named XXXX. She is calling me because I have not made any payments on my Discover Card since XXXX 2016, and I informed her that I had turned the account over to a management company. She asked me if they were a credit counseling agency or a debt consolidation agency. My response was " they do both, and I do not wish to speak with you further because I contacted your office in XX/XX/XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and she stated " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way Discover, XXXX XXXX, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including Discover is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from Discover card for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Discover can provide you with the date and time of conversations that I had with the credit representatives in XX/XX/XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and Discover showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX may not offer them all they money they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: AmeriCollect
State: PA

Complaint narrative:
Calling leaving messages asking can i pay this debt, i honestly thought my insurance covered this matter i was supposed to have insurance through the marketplace XXXX but they said my insurance did n't go through. I was paying my insurance but they said my information was n't complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I wanted to sort out a bill that I had with a hotel that I stayed in During XX/XX/XXXX. There was about a XXXX dollar discrepancy with the total costs, this turned in to overdraft charges are lot of falsified information that should have never been presented to me about my initial dispute. The dispute was handled poorly and to make matters worse, the entire customer service term treated me like XXXX. They eventually would just leave me online- during out chats, they would never be consistent on information that had a clear yes or no answer- it was n't until I contacted their HQ to explain my concerns, that the situation started turning around. To make matters worse, I was getting charged on specific fees that I had called in days before to warn DFS- that the COMPANY IS BOGUS. 

FURTHERMORE, I DO NOT Beleive that I was ever notified by DFS that during months where i was not using the CC, that NO STATEMENT WHATSOEVER, NO RECORD of ANYTHING not even an online PDF notating the month of inactivity would be created. I found this to be UNHEARD OF THEM. THe reason why this is ALSO A PROBLEM is bc I BELIEVE THAT THIS GOES AGAINST CERTAIN FDA Regulations and I am hoping to get this situation investigated. 

My Desired Solution- DUE TO ALL THE OF FASLE INFO PROVIDED TO ME, and HOW Representatives lied to, telling me to " just obtain -- -- -- '' and we can take it from there, but DO IT IN 3 DAYS, was the most stressful catalyst that did not serve any purpose. Just another misinformed employee, giving me falsified information and basically HOMEWORK. 

I do not wish to pay for this particular dispute, because it has caused so much HEADACHE and has been so time consuming- most of the time because nobody I spoke with really had any idea on the matter, until I FINALLY spoke to a billing manager, AFTER I went on my wild goose chase, and SHE hung up the phone on me. 

I could n't believe what was happening to me, essentially I just wanted to inquire about a charge that was off by max XXXX dollars, somehow I ended up talking to the rep about my issue might being worth JUST DISPUTING THE ENTIRE CHARGE. That idea never even came to my mind. 

ICING ON THE CAKE- Many automated voice messaging systems say that your call might be monitored or record- GUESS WHAT? MY WAS FULLY MONITORED by a MANAGER, as some kind of TEST for a SUPERVISOR OF HIS. 

So on top of telling me some very BAD ADVICE THAT THE SHOULD NOT HAVE DONE, they then treated me like I was subhuman, AND TO MAKE SURE I KNEW they THOUGHT I WAS SUBHUMAN- I BECAME A TEST FOR ONE OF THEIR EMPLOYEES TO TAKE DURING HIS SHIFT. 


I have names, employee numbers, everything and I am beyond happy to share every detail of INSANE this situation was. DFS BLOCKED ON TWITTER when they claimed to be responsive 24/7. I CAN GO ON AND ON about why I am so UNHAPPY with a CC company that I HAVE BEEN WITH SINCE I WAS SEVENTEEN- I am XXXX NOW. 


STILL CANT BELIEVE THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have been in the hospital. I can not pay my Discover credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I followed all the steps and fulfilled all the conditions laid out by Discover Bank. They also communicated verbally with the confirmation # and later via email communication. First they said bonus will be paid on XXXX/XXXX/XXXX. Later they said by XXXX/XXXX/XXXX. But till now no bonus ( {$100.00} ) has been paid. 
Please refer to the CFPB cases : Case number : XXXX Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: DISCOVER BANK
State: MA

Complaint narrative:
This company which employees some of the worst people in the state of Massachusetts is breaking the law daily. There employees hide behind fake names and the owner hides under his desk and is never available. They scam, lie, commit fraud and use the courts as a game without properly notifying people in order to obtain default judgements. I 've been in contact with the States Attorney General 's office about this company and they are aware of the activities of this company. This occurred to me unfortunately due to a divorce. I had a discover card at one time many years ago. The Discover company and I negotiated a debt cancellation many years ago and settled the amount of the debt for {$1100.00} which was taken care of and I received a XXXX form from them. This XXXX " collection agency '' somehow has this old debt from an equally bad company called ( XXXX ) pronounced ( XXXX ). This isn '' t a joke the other collection agency they represent is called CASH. They have been harassing me for years and obtaining judgements without my knowledge and now its for XXXX Extremely laughable and criminal.. I 've also filed for bankruptcy as well which makes this even worse for the XXXX " collection agency ''. In the meantime they have harassed my work and are now looking to garnish my wages which will never, ever happen! I am XXXX and this has threatened my employment and standing in the XXXX. Since they have been playing games with the same XXXX. If this company thinks they can steal my money they are in for a rude awakening. I have no money and what I make does n't even feed my family. I could n't spare {$1.00} and the court would easily see this and is the reason for the bankruptcy filing to begin with.. My income to living expense ration is negative. I will be pursuing a law suit against this company unless this civil lawsuit is dismissed and vacated immediately. If I should lose my employment due to this companies and XXXX actions, a lawsuit will be forthcoming which will be huge. A copy of this complaint is being sent to my Attorney XXXX XXXX in XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX needs to remove the " Late '' on the XXXX accounts since the account has been closed/written of and which they issued a XXXX which I had paid the taxes on in XX/XX/XXXX and XX/XX/XXXX. The account is still reporting late. My attorney since XX/XX/XXXX when accounts were closed tried to make a settlement plan and they refused to respond and choose to write the account of and keep reporting as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Miller, Stark, Klein and Associates
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to call me and leaves threatening voice mails. They tell me they 're looking for me but do not have my correct SS number. I tell them I 'm not the person in question and to please do not call back. 
They have ignored my requests. Is this my only recourse?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I lost my credit card back in XXXX XXXX, 2015 and now there is a balance of $ XXXX and I would like to file dispute and cleaned up all the charges not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: DISCOVER BANK
State: OR

Complaint narrative:
This debt is not known to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I bought a software package using Discovercard. The software included XXXX mail-in rebates, which were advertised by the merchant. The transaction was therefore to purchase a product *and* XXXX checks ( which were to arrive at a later time ). XXXX of the checks was never sent. Discovercard refused to dispute the charge on the basis that the rebate is " between you and the merchant ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover is overstating my current balance. They list the following information. 
Last statement balance : {$240.00} Recent transactions : {$69.00} Recent payments and credits : - {$25.00} Current Balance : {$370.00} If you do the math that amount should be {$280.00}. There is only a pending charge for {$9.00} showing on my account so it ca n't be due to pending activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX is not being reported correctly again. The date the account allegedly was opened is confusing and looks to be in error. The application was signed XXXX/XXXX/XXXX however they are alleging the account was opened XXXX/XXXX/XXXX. The full payment history including all of the credit card statements were not submitted as per XXXX XXXX. The billing practices are in question now, due to not giving full disclosure on the biling and the payment history which was also requested with Case XXXX.Where is the proof that they confirmed the open date of the account. There all sorts of inaccuracies and incomplete items regarding the reporting. The credit bureau indicates the account was opened on XXXX/XXXX/XXXX. For all of XXXX up to XXXX XXXX how can I assume the reporting was done properly and correctly. 
Equifax is not properly reporting the date the account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There is a tax lien for XXXX dollars that I do not have or owe. I have not received any notices or any documentation from the state or city of a tax lien. All my taxes are current, I do not owe any back tax money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a judgment on my credit report with docket XXXX for a paid collection with XXXX XXXX XXXX in the amount of {$2500.00}. It shows that this judgment was filed on XXXX and paid on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received one document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed

Company response to consumer: Closed with explanation