vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
PRESENTMENT OF CORPORATE VIOLATION : MANAGER ON SITE : XXXX : TITLEMAX PHONE : XXXX LOCATION : XXXX XXXX, GEORGIA XXXX GOVERNMENT ACTION/ AFFIDAVIT OF TRUTH MEMORANDUM OF UNDERSTANDING XX/XX/XXXX-XXXX Presented consumers with misleading information about loan terms : XXXX employees asked consumers how much they wanted to pay each month or how long they wanted to take to pay off the XXXX loan. The guide and sales pitch distracted consumers from the fact that repeatedly renewing the loan, as encouraged by XXXX XXXX employees, would dramatically increase the loan 's cost. The guide does not calculate fees or the total cost to consumers of repeatedly renewing the loan instead of repaying it in XXXX days. This makes it difficult, if not impossible, for a consumer to compare costs for renewing the loan over a given period, Here 's the actual government case and the parts to reference what they are in violation of : http : XXXX In violation of sections : XI : Recordkeeping /number XXXX a and b XXXX : number XXXX VI : Compliance Plan/ number XXXX a, b, and c V : Conduct Provisions/ d and XXXX XXXX and XXXX XXXX through XXXX Sales pitch and repayment plan. 

Today, XX/XX/XXXX I, XXXX XXXX XXXX had my property reposessed after the government action had been served in which they were found GUILTY of deceptive sales and business practices. I was deceived into a renewal plan unknowingly where the repayment interest would have been significantly higher. If I would have known that there would have been an interest increase, I would have never initiated a loan with them to begin with. I would have gone to another loan company .... Their records and the initial and renewal contracts will show that they proceeded after this government action in a repossession based on a failure to pay " monthly '' payments which had been deemed illegal. They are making me consent to an illegal procedure of a contract through deception and omission of fees associated with the transaction. A company can not withhold this information with the consumer. XXXX XXXX, the mangager on site at the Titlemax on XXXX XXXX. XXXX in XXXX, Georgia had confirmed that he received the notice which in turn is an admission of proceeding in an illegal action when he repossessed my car in the driveway of my father 's property in accordance with an illegally deceptive renewal contract in which I had defaulted. The default is void when the counterparty operates in illegal procedure. I would not proceed illegally in accordance with them to pay them, so they illegally have stolen my property while ignoring a government action. I am slighted by the outlandish disobservance of a government ruling and wish to pursuit this to it 's fullest extent. 

In American Honor and XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase informed me yesterday that I had to pay a debt that they say I had in the amount of {$2000.00} in order to have credit. This is discrimination. Please read everything here. Chase placed a 30 day late payment on my account ending in XXXX and I am requesting full documentation on this incident since the opening of the account and the removal of this from my credit reports. This was a new Slate card just opened and I never received any kind of statement of notification on this new account. I was also charged a late fee at the time and contacted Chase. They realized their mistake and removed the late fee but refuse to remove the XXXX late on my reports. I have been in the banking industry for years as Credit Manager, Supervisor, Underwriter and this is just wrong by Chase. I also need this info to present to my attorney for action toward Chase. I responded to Chase 's email yesterday and contacted them by phone about this 30 day late again and they refused to do anything. I have been trying to resolve this for quite some time with no luck. I closed all my accounts with them because of this incident over XXXX in credit. Yesterday by phone they informed me of a specific debt collection on a Chase account that I have no idea what it is and they informed me is was a converted account through Chase but they had no idea what it was. Chase must really have issues, here is my question. If I had a collection for an account through Chase some 15 years ago that was never collected on, why would I then be approved and have XXXX cards through Chase with limits over XXXX after the fact? I asked them that question yesterday to only get no response on the subject. One of the many representatives did comment however that it makes no sense and she had to refer me to another person. Also payments were always made on time on all my XXXX cards through Chase. What is going on over there. Please send me info on this other account you say I had and remove the 30 day off my account ending in XXXX. This is a great example of bank corruption and how it negatively has an effect on the consumer who gets the blame. This is discrimination and defamation of character to the consumer. How can Chase issue XXXX credit cards that I have had for years and then give me the reason for denial of credit because of an account I have no idea about that was in collection so they say but have no idea. I have worked for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Chase has issues and very very poor customer service. Why if I was so wrong would I close all my accounts through them? I can not believe they can get by with things like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
We had a parents loan and payed it off in XXXX 2016. I forgot to put the account # on the check but it was cashed by Navient. It was never a credited to our account. We are being harassed by " Student Assistance Corporation '' with phone calls and emails. We have called Navient numerous times and they pretend this is all news to them and then I ask for a manager and ask them to check the notes on the file and they agree we have called numerous times and they will fix the situation. One month later the phone calls start again and when I call they never " recognize '' the name of the person who promised to fix the situation. Amazingly they do n't know what we mean when we tell them we have a " cancelled check '' for the exact amount.The phone calls are relentless and frustrating because we have paid this in full back in XXXX and we do n't want to be penalized on our credit rating. I have asked for the name/department to appeal this issue and they tell me there is no way to file a complaint. How is that possible? Why were they ever given this contract? We signed the loan with the department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had a credit line of {$18000.00} on my Discover card. I had a balance of about {$10000.00} that I was making payments monthly on. In XXXX of 2014 my daughter was admitted into the hospital with a very rare XXXX that almost took her life away. We spent 28 days at the hospital where we used the card to take care of our expenses while we spent those days together in pain and suffering at the hospital. Somehow Discover allowed us to go past the maximum spending limit to a total of {$28000.00}. They never stopped the card from charging and let me go far over my limit. 
Naturally, I was going through very desperate times and had no choice. 
We 've been paying above the minimum payment every month an average of {$500.00} with a lot of sacrifice. I 've had this account for the past 20 years and I 've never missed a payment until now. I used to like Discover, they always did a good job for me and me for them. However, Discover not only increased my interest rate to usurious amount on the new high balance which I had full intention of paying but they also increased my minimum payment to {$750.00} a month making the payment no longer possible for me to pay. I called the company and spoke with so many representatives which did nothing more than to transfer me around to people who acted like they were managers. Ultimately nothing was done to help me reduce the interest or the minimum payment. My daughter remains ill today XXXX and has never been able to return to school. I am an everyday American with middle class income that has been taken advantage of by the predatory practices of a big bank. What 's worse ; is all along I thought I was a valued customer with a good credit card relationship. My daughter 's medical expenses are very costly and have to come first. Clearly the new interest rate coupled with the new minimum payment Discover will be driving me to bankruptcy and delinquency with no concern or humanity. I cringe knowing that these atrocities continue to happen to American people by predatory lending practices engineered by these filthy rich banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Guidiville Indian Rancheria
State: ME

Complaint narrative:
A man calling himself XXXX XXXX left me a voice mail stating that I am scheduled to appear at the XXXX XXXX court house. Minutes later he call my father in law at their home. He asked for my father in law by name and told him he was with the XXXX XXXX court house and was attempting to contact me in regards to charges that had been filed against me with that court. 

I was sitting with my father in law at the time ... I grabbed the phone and offered to call XXXX County court house myself to check on these so called pending charges. He then corrected himself and said he was a processor. He never once told me it was an attempt to collect a debt ... He did state that he was trying to get money for Multi Source Loans and looking to work out a deal to settle on the account. I then asked him why he stated he was from the court house when he clearly was not and was calling from an out of state number .... He then told me he was simply trying to get me to pay my bills then hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I applied with my fiance XXXX for a home equity line of credit with BB & T Bank on two separate occasions. We were verbally turned down twice ; stating since XXXX was not on the house mortgage loan, she did not qualify as a co-borrower. We never received any official turn down letters and it has been well over 30 days. On one occasion we were told we could not afford the payments for the amount requested, we then lowered the amount of the loan only then to be told that XXXX did not qualify as a co-borrower. We were told because XXXX is not on the mortgage, that she could leave and I would n't be able to make the payments. At one point, BB & T asked XXXX to provide a utility bill to prove she actually lives at the residence, even though she has credit accounts, a drivers license, pay stubs, and XXXX all showing our address. I have called many banks and asked if a co-applicant could go on the home equity loan, while not being on the mortgage or deed, and have been told its permitted. We both have excellent credit and are not sure what the real reason is for not being approved. By law they can not turn us down because we are n't married, and XXXX hopes it is not due to her being XXXX. We are concerned that it could be one of those two reasons.

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 2016-01-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I was issued a credit due to me by XXXX the refund was sent to a closed Sears cc account. Instead of returning the funds to the issuing company so that they could send me a check, Sears CC sent the funds to a collection agency that they had sold the discharged debt to, XXXX. The debt sold to XXXX was discharged in a bankruptcy in XXXX of XXXX. The issuer of funds and I were shocked. We got the run around for a while. Several calls into the hunt, we were able to find that a collection agency company called XXXX has the money. They stated in XXXX way call to myself and XXXX at XXXX that they were able to keep bankruptcy discharged money because I volunteered to give it to them and they did n't ask for it. I explained that I never sent it to them and it was not ok with me. I asked who the other companies were that I was routed through in tracking down the money and got the following run down. 
Sears sold the debt to XXXX, who is managed by XXXX XXXX and that they are all under the umbrella of XXXX XXXX. The debt was skid on XXXX/XXXX/XXXX. I did n't really know what all that meant so I am including Sears and all of other company 's names included as I am not sure which ones are considered collection agencies! Sears sold the debt to the collection agency the same month it was discharged, well after they were notified of the bankruptcy. I am including a copy proof of the discharge and the Sears account numbers and balances that they collected in XXXX of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD SYSTEMS INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXXConsumer Hotline : ( XXXX ) XXXX-XXXXConsumer Hotline Fax : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : 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 TRANSWORLD SYSTEMS INC or any company associate with this account # 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 : TRANSWORLD SYSTEMS INC 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 SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Almost one year ago i contacted Navient about my student loan. The problem was that my payment was being raised from {$94.00} per month to {$300.00} per month. My income, {$XXXX} would not support such an increase. The Navient reps said that the account was up to dat e and therefore there was nothing they would do at the time. Once the account became past due they would reevaluate the account. During the summer I contacted them, usually speaking to someone in XXXX and the rep could not/would not do anything. Then when the account was past due, the res from XXXX would call, sometimes several times per day, including Sundays, and read from a script. When i asked a question that was " off script '' they became confused and went back to their script. I know it was a script because because it was exactly the same words every time. In XXXX XXXX I spoke to a female rep who said she was in Indiana and she suggested the income sensitive plan. She told me what I would need to do, where to send the info, and she assured me she was a supervisor and would make it happen. She brought the account up to date as her sign of good faith. The problem is that since that time I have received nothing from Navient. An email requested more forms, which were sent, but I never received a reply. Many times I spoke to reps and asked for the female rep who I had spoken to in XXXX. I was told that I could not be on an income sensitive plan because I was on an income based plan and would have to request to be removed from that plan. I did that and received a letter saying so. i also received a letter saying I was still on the income based plan and another saying i was on no plan. When I mentioned this to reps they told me that I did not have any such letters. It was not until early XXXX XXXX that a male rep, also from Indiana, said he researched the records and saw that what I was saying was true and that Navient had dropped the ball and failed to follow through. I have n't heard from him since. I have, however, heard from other Navient reps, including emails, threatening an a sundry of things since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: KS

Complaint narrative:
I have a home mortgage being handled by green tree. In XX/XX/XXXX I had surgery due to a military XXXX as I am a XXXX veteran. They never offered me a modification or any assistance with my mortgage all they did is blow up my phone and then put me into foreclosure. I paid them {$7900.00} on XXXX XXXX which is what they sent to me as a reins tangent quote. They only applied {$6300.00} to my account and no one can tell me where the rest is and when I paid I validated that it included my XX/XX/XXXX payment which now they are saying I 'm late on and it included my late fees which they still say I owe. I have talked to them XXXX times now since XX/XX/XXXX but no one can tell me where the money is or why it 's not been applied to my account. Please help with this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My loan went into default 2 years ago. It was placed with a collection agency. I paid {$340.00} a month for 9 months-that was the agreement to get out of the loan rehabilitation program. On the 9th month they claimed I had failed to make a payment ( which is not true-because my payments were all direct payment from my checking account ) When I inquired they then said my paper work was n't complete so I failed the rehabilitation program. My loan was given to another collection agency. They called me and put me in another loan rehab program around the XXXX I recieved a letter from a completely different collection agency Navient that said I was XXXX payments late ( which is not the case because I had direct payment from my checking account ) Now it 's going on 3 years and Navient is the XXXX collection agency offering me a loan rehab program. I just want to pay off my loan and they are determined to sink me deeper while they collect fees. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
There is a loan on my credit report for XXXX XXXX and a duplicate for Ad Astra for the same debt. I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account. I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer. I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised. My identity was compromised during an employment layoff XX/XX/XXXX by the XXXX XXXX XXXX and this is the only way they could have gotten my information. I have contacted the credit bureau more than 10 times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years.

Company response to consumer: Closed with explanation