vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-19 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
I received an email from Discover stating " We 're writing to let you know that your XXXX Pay purchase on XXXX XXXX, 2015 for {$1200.00} at XXXX XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion... if you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. '' My purchase did not contain a gift card, and no one where did Discover 's Terms and Conditions disclose Discover would ask for documentation of what was purchased. This puts an unnecessary and unreasonable burden on me as a consumer to provide proof against an accusation Discover is making while having zero grounds for making said accusation. What would happen if I did not keep my receipts from more than 3 weeks ago? Should I be keeping my receipts for all of my purchases made with my Discover card? It would be nice to know beforehand and not after the fact. To summarize, Discover is not abiding by their Terms and Conditions by making unfounded accusation and placing the unjustified burden on the consumer. I 'm extremely disappointed with Discover 's lack of integrity and transparency. I have a strong relationship with, and have never encountered such issues with XXXX, XXXX, XXXX XXXX, or XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Due to XXXX XXXX XXXX cancelled or revoke my credit card, Now since my card is cancelled I never I stated or said I could n't be able to meet my financial obligations with this credit card as their letter shows from XXXX XXXX, 2016. Discover has engaged in a collection campaign with early phone calls ( XXXX ) and e-mails. 
I would like to ask the CFPB to further investigate my inquire and to make stop any of these activities since it was not my fault, I believe Discover doing this has broken XXXX or more Federal consumer Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am vastly ahead of the repayment plan in payments and for the second quarter in a row the interest rates are going up on my loans. How does paying ahead and having improved credit result in the student loans taking your interest rate and raising it again even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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: NY

Complaint narrative:
I have over {$200000.00} in existing student loan debt, both federal and private. I have been working XXXX jobs, 7 days a week, to try and get by and repay my loans as best I can. XXXX years post-graduation, I have NEVER missed a payment despite my monthly payments being over {$2000.00} combined. 

I contacted Discover Student Loan, who services about {$85000.00} of my private student loan debt, because they advertise on their website that they have Repayment Assistance Programs for struggling borrowers. Several of the programs offer either reduced monthly payments or interest-only payments for a period of time. 

I spoke with a very pleasant lady who understood my issue and wanted to help. She took my information and looked into " what programs I qualified for ''. She advised me, at this time, I do not qualify for any of the repayment assistance programs. I was n't sure exactly what she meant by this so I asked, what exactly would qualify me for the programs. She did not know, but simply that I did n't qualify. 

I asked what, in the future, I would need to do or have done to me in order to qualify for the student loan assistance programs. She said that she did n't know but that I simply am not eligible despite not being delinquent on any payments now or ever. 

I do n't understand what kind of game Discover is playing. If my situation is not the ideal one for the repayment assistance programs, I do n't know what is. I am being CRUSHED by student loan debt and, yet, I am doing everything in my power to not default or miss payments. I am trying to be a responsible borrower and live up to my end of the bargain, but the private student loan companies are making it very difficult. Defaulting on my loans becomes a more and more enticing option every day. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: UT

Complaint narrative:
I have had multiple issues with Universal Acceptance Corporation ( UAC ) They call and text me the day the loan comes due, calling multiple times a day even though I have told them I can not talk on the phone while I 'm at work. They refuse to talk to me via email even though that is really the only way I can communicate during week days, which I 've told them multiple times. They have emailed me just to tell me they ca n't email me however. 
I told them I switched jobs and needed my due dates changed to match my new pay days. They refused to do so until I sent them a copy of two pay stubs from my new job. The issue with this is that I wo n't get my pay stubs until after the pay check is received. During this time, I will be accruing interest. 
Another time I told them I had to spend {$500.00} to get the car fixed so I would be late on the payment. They required me to send them a receipt of the work done. Not to reimburse me, but to prove I was n't lying. They would not extend help to me otherwise. 
Another time I was taken off of a payment plan that I had set up with them because I under paid by XXXX cents. I was told a flat dollar amount which I paid. The neglected to tell me of the XXXX cents. I feel as though they have been extremely abusive in the way they collect debt and that I 'm being pushed in a corner so I owe them more.

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 2016-07-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AmeriCollect
State: NC

Complaint narrative:
A debt validation letter sent certified XXXX/XXXX/16 signed for on XXXX/XXXX/16. Americollect sent return ltr on XXXX/XXXX/16 of a name acct # and a balance # and a statement that does not match alleged creditor name or any doc bearing my signature. Americollect did not mark any credit reports disputed within 30 days of signed receipt of my dispute. I sent a XXXX registered ltr to Americollect on XXXX/XXXX/16 and they signed on XXXX/XXXX/16. They responded with a letter stating they, verified, and validated my dispute and my letter now is deemed frivolous or irrelevant and will not be looked into. After 60 days Americollect have not marked disputed on my credit reports no anything with my signature validating that this belongs to me. I have copies of my credit report on both XXXX/XXXX/16 and XXXX/XXXX/16 showing not disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: American Credit Financial
State: SC

Complaint narrative:
Americancreditfinance XXXX calling threatening to deliver papers to job after already over paid the installment loan. They are saying I owe another payment. Will not allow me to speak to Supervisor. The guy who threaten me keeps answering every extension saying supervisor not available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: WLCC
State: FL

Complaint narrative:
Lender Will not stop calling my place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have several things on my credit not accurate including loans paid off also way over 7 years old. I 'm not sure if these XXXX loan companies including XXXX XXXX in KY are attempting to have me pay them XXXX but they will not respond to my request. I 've got marks that are far from true and I need these old accounts removed. Please contact them or me and let 's figure this out. XXXX XXXX XXXX XXXX last XXXX of my social are XXXX my telephone number is XXXX XXXX XXXX ... Companies responsible for this mediocre fraud are " Personal XXXX XXXX '' XXXX KY and XXXX, which shows their location in XXXX. .thank you for your prompt response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK
State: PA

Complaint narrative:
discover card has been reporting me to the credit reporting agencies while i have been paying them as i agreed since XXXX of XXXX this company also reported to the credit reporting agencies as charge off while i am paying them and also the balance they reported not reflect what the balance i won.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
In XXXX 2016 I was considering a new cash back credit card and called Discover to inquire about a new card with cash back features. I was told that an old account existed with discover and it could be converted to the new IT card with a {$100.00} bonus and cash back. 
I accepted the offer and a card was issued. When the bonus requirements were met I waited for awhile and the bonus never showed up on my account. Today I called Discover and spoke to XXXX and then supervisor XXXX XXXX. XXXX stated that no notation was made on the account when it was converted for the bonus, then XXXX stated that no offers existed during the time frame of the account being opened. I asked for a written response to my inquiry, XXXX XXXX stated the Legal would not like that and she was unable to provide anything in writing. I requested the address for the Legal Department, she declined to provide that address. 

As a bonus was offered to me when the card when I accepted a new card to be issued by Discover and the bonus requirements were met I should get the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX, XXXX XX/XX/XXXX ( XXXX ) XXXX Collection Information Bureau , Inc . 
68 years in business XXXX. 
XXXX, FL XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 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 notify DOCTORS BUSINESS BUREAU or any company associate with this account # 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 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 : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission DOCTORS BUSINESS BUREAU acc # XXXX, 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 SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX has informed me that they are excited to let me know that they have received the Initial Approval on my loan to refinance. They included in mortgage documents an XXXX XXXX XXXX credit score and the price I pay for credit sheet dated XXXX/XXXX/XXXX. 
1. Page XXXX shows EQUIFAX reports a score of XXXX as of XXXX/XXXX/XXXX. Page XXXX of this credit score sheet shows Key factors that affected my credit scores. These key factors appear to be verbatim to information reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now in XX/XX/XXXX. 

EQUIFAX 'S KEY FACTORS Serious delinquency and derogatory public record or collection filed Length of time since derogatory public record or collection is too short Proportion of balances to credit limits too high on revolving credit accounts Too many inquiries in the last 12 months The number of inquiries has adversely affected the credit score. 
Letters submitted on or about XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, am d XXXX/XXXX/XXXX disputing these horrific key factors. Consumer Finance Protection Bureau ( CFPB ) file numbersXXXX, XXXX AND XXXX have been filed disputing these very same key factors. EQUIFAX did not respond to Case number XXXX as they suspect that it may have been submitted using a credit repair company. Their suspensions are in error. This case was submitted by customer. After reviewing Equifax credit file # XXXX dated XX/XX/XXXX, ( XXXX pages ), it reveals the information provided by EQUIFAX does not support any of these absurd key factors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The complaint is mostly directed toward Equifax. Financial institutions are aware that they can now make their credit decisions by utilizing just XXXX reporting agency. Equifax historically tends to report the lowest scores and are therefore favored by companies and/or financial institutions when the companies utilize just XXXX score. Additionally, Equifax tend not to update their records to adequately support improvements in the consumer 's credit status and will do so then mostly on a case by case situation when challenged by the consumer. There should be updating and review prior to Equifax sending out information for each new credit report request. Equifax puts this burden totally on the consumer after they have provided their information to the requester. 

While the other reporting agencies tend to give a more objective credit report, those companies utilizing reports from XXXX credit reporting agencies tended to temper or balance the reporting process. However on the other hand, agencies who are more discriminating tend to rely soley on Equifax, which gives Equifax an unfair business advantage relative to other credit reporting agencies. Therefore, implementing a requirement to either use the average of XXXX scores or the median of several credit scores should be revisited. This will address the issue reported herein and not allow XXXX credit bureau to dominate. 

Finally, the company does not have a user friendly communications system in place for the individuals that they maintain data on to contact and dispute information. This system should be improved and not frustrate consumers in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have a Internal Revenue Service Federal Tax Lien listed on my credit report. I requested and was granted a Withdrawal of this Tax Lien XXXX XXXX, 2013. This form Federal Tax Form XXXX A has been on file with XXXX XXXX Nevada since XXXX XXXX, 2013. I have now requested on XXXX separate occasions in writing to Equifax that they re-verify and remove this Tax Lien from my credit report as it has been withdrawn. Each time I have sent them both exact information on where to locate the online filing as well as a copy of the form itself and each time they have come back having clearly done no research and said " We have reviewed the lien information. '' and that the Tax Lien shows as released which has been the status they 've shown for the last XXXX years. A simple and quick check at the XXXX XXXX site shows that the Withdrawal is on file - XXXX. My husband also had the lien on his credit report and while it took XXXX letters to Equifax to get it removed they did properly remove it for him. Nothing I do seems to get their attention to do their job and actually look at the Withdrawal, then properly remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The XXXX mistakenly filed a tax lien against me. I contacted them and they sent me a letter to mail to XXXX, Equifax and XXXX telling the credit bureaus to delete any reference to the tax lien. I sent them the letters explaining that the lien was placed in error. 
Equifax refuses to remove the lien entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have an item on my Equifax report that is not mine. It is a debt from XXXX XXXX XXXX XXXX. This debt is not mine and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Items where deleted from my credit file and added back, I disputed the items and provided supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX mortgage continues not to update my credit file with all XXXX bureaus they state foreclosure and wrong amount

Company response to consumer: Closed
Consumer complaint received 2016-04-24 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I 'm unable to access XXXX credit report with my correct information and I cant all the verification question for Equifax report say I 've open auto loans and this year I have n't done anything involving loans or anything of that sort this year I think my idenitiy is bieng used in another state

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is a comment on my mortgage from XXXX XXXX that I disputed my mortgage. I never made the comment. I called Equifax to request the information be removed and was promised that it would be immediately removed. I received an email from Equifax on XXXX/XXXX/XXXX which provided a link that would allow me to see a credit report without the dispute information. The report still contains the disputed information. I called Equifax and spoke with a supervisor named XXXX ( ID # XXXX ) who stated that the information was removed but he could not give me a new link to a correct credit report. I pulled a credit report through AnnualCreditReport.com which still showed the disputed comment and now has added a comment that the mortgage was modified. I call Equifax a second time and spoke with a supervisor named XXXX ( ID # XXXX ) who explained that he could get me access to the corrected report if I paid for the Equifax XXXX XXXX. He then signed me up and charge my credit card a {$6.00} reoccurring fee. I pulled the report through this service which does not show if there are any comments, it is only a summary of the account. I called Equifax a third time and spoke with a supervisor named XXXX ( ID # SCC ) who said the disputed information is not on the credit report, but she would not cancel the Equifax XXXX XXXX and would not provide me access to an updated credit report.

Company response to consumer: Closed with explanation