vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK
State: DE

Complaint narrative:
Discover Card announced the XXXX XXXX " promotion '' on XXXX XXXX 2015. The promotion promised " [ f ] rom XXXX XXXX, to the end of the year, cardmembers who pay with their Discover card using XXXX Pay will automatically earn an extra 10 % XXXX XXXX on up to {$10000.00} of in-store purchases. '' ( XXXX ) The details in their FAQ stated " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with Apple Pay now through XXXX/XXXX/15. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. " The " Cashback Bonus '' terms incorporated by reference are quite straightforward with few caveats and available at : XXXXThere were no additional terms or conditions specified in any public documentation for the offer. Discover confirmed via customer service channels that the promotion was valid for all in-store purchases and stacked with their existing " Double All Cash Back Your First Year '' promotion that promises all cashback bonuses doubled for 12 months ( with rewards posting in the XXXX or XXXX billing cycle ) making the total bonus XXXX %. 

On or around XXXX XXXX 2015, Discover unilaterally added a sentence to some ( but not all ) public-facing content about the promotion stating simply " Excludes gift cards. " I have made many purchases using my Discover card with XXXX XXXX, and received emails stating " We 're writing to let you know that your XXXX purchase on XXXX XXXX, 2015 for {$500.00} at XXXX XXXX 's, A XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion. '' and " 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. " Nowhere in the original terms of the offer were gift cards excluded, and after the terms were modified ( which does not seem correct ), they did not say anything about requiring " documentation '' proving anything. To add insult to injury the transactions highlighted in the emails did not contain gift cards. When I asked Discover to honor the terms of their promotion, they refused and stated that I must provide receipts or authorize the merchant to provide receipts to them. Their request would constitute an invasion of privacy and they are still not honoring the terms of their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I have been disputing this item for about two years. Equifax is showing a tax lien on my credit report. XX/XX/2012 I applied for a sales use and tax lic. in Florida three months later I joined the XXXX and I was away from my home address for two years. When I returned from XXXX XXXX I discovered that the Florida Department of Revenue estimated that owed them taxes and they filed a tax lien in the XXXX County Courthouse. I contacted the DOR and explained that I never started my business so they wrote a letter to the courthouse and all three credit bureaus explain that the lien was filed in error and requesting it to be removed. I have sent Equifax this letter at least XXXX time but they still wo n't remove it. They keep saying that they have verified the information as accurate. They keep contacting the courthouse and I have explained to them multiply times that they need to contact the Florida Dept. of Revenue that 's who filed the lien but they 're not getting it. I am attaching the letters from the FLDOR

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
Called Sallie Mae XX/XX/2016 : XXXX asked for help with deferment payments the woman on the phone said " The credit collectors would get ahold of us '' and there is nothing we can do for you at this time. XXXX Asked " is there anyone you can transfer me to that can help me with more information? " .... " not at this time '' XX/XX/2016 - I called Sallie Mae again and was informed by XXXX that they do not have a rates and reduction program, and that they are unable to renegotiate my payments or put me on a payment plan. I asked to be transferred to collections ( ca n't remember her name ). I was informed by XXXX ( spelling? ) that my account must be delinquent in order for collections to help me. I asked to be transferred back to customer service and was connected with XXXX ( Florida ). Wrong department. XXXX ( servicing general ) XXXX informed me that I was transferred to the wrong department. I informed him that both collections and customer service had told me that they were unable to help me out. He then called over to customer service for me to see if there was anything to be done. Transfered once again, to XXXX in Escalations. She informed me that my account must be in delinquency in order to apply to rates and reduction program. 

In a subsequent call we were told that we were put on a rates and payments program, where our rates would be reduced as would our payments which would be capped at XXXX, but the payback period would be 30 years. 

XX/XX/2016 : Sallie Mae call I called Sallie Mae to talk about why my account read ( approx. ) negative XXXX dollars. I was put on with someone who told me that our Sallie Mae loan account was signed up for a {$120.00} auto draft from our checking account, and that this would be for three months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that after XX/XX/XXXX our account would be updated to reflect the fact that we were on the new program. 

to date our loans are still not adjusted as " Rate and Reductions '' rates that were were supposed to be paying, but instead we are supposed to still be paying the nearly {$500.00} a month for all our loans instead of {$120.00}. We can not stop getting the run around and we are struggling financially mostly due to the issues and over payment to XXXX/ Salei Mae '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I called the finance company after my vehicle was repossessed. They did not care that the tow company damaged my car. I explained that the agent hit the fence with the vehicle and that there was damage to the vehicle on the passenger side and they drug a hugs log under my car. The manager XXXX as he called himself talked over me, cut me off when I was talking. Granted I was upset because the issue was that the company they hired damaged my vehicle and the finance company did not care. But when I picked up my vehicle it was covered in dirt ( my car was clean before they took it ) so I could not see the scuff marks, scratches and chipped paint until I took it to get washed this is on the driver side door where he hit the fence. I had already filed a complaint with the tow company after they picked up the vehicle. I filed a complaint with the tow company after I had it washed to let them know of the damages and they have not responded. I let them know I will take my vehicle to the dealership to see if there is any damage underneath where the agent drug my vehicle of a log that he had to go under my car to remove. The issue was not about my vehicle being repossessed it was how it was done and damaged. I need my vehicle repaired.

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 2016-02-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
CMRE is reporting a collection for an account that has never been validated, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for a medical bill for my daughter XX/XX/XXXX. That was over 9 years ago. I had never heard from CMRE so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to HIPPA, FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX Circuit, No. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX, and FDCPA Section XXXX.

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 2017-01-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
My latest contact with Chrysler Capital was with XXXX at the XXXX if that is her name and what ever the XXXX is????? I have offered again to go over my complaint and they refuse. The XXXX CRA also are not doing a thorough investigation. Both Chrysler Capital and the CRA are just responding in a way to move the case to show there is something going on and that is it SOMETHING??? This is clearly an intentional act of willful intent to cause harm and is reckless. What is happening to me is NO different than what Santander USA was prosecuted for in Texas. I am not an active service member, However I am a XXXX American citizen. If someone would read all the documentation I am confident one would clearly see that Chrysler Capital has from XXXX XXXX and currently is WILLFULLY causing me harm. I have made a reasonable offer to pay the contract value for the car this allows all parties to move on with no loss. With the exception of the the countless hours I have had to log fighting for my rights. The XXXX, time away from my daughter, both XXXX and XXXX, the XXXX it has caused myself my daughter her mother has put us all a step back in an ongoing healing situation. The sad thing here is there are people within the organisation know exactly what they are doing. This is nothing short of terrorism for profit. I am BEGGING for this case be forwarded to ALL Governing agencies that are capable of granting me the FAIR request to get out from under the abusive control of Chrysler Capital and what ever needs to take place to remove the FRAUDULENT CREDIT REPORTING on myself and joint owner. with NO negative comments. Although I feel I should be compensated at minimum the Maximum amount awarded in small claims court for the obvious violations. I just want to pay of the principle amount get the title and move on. I PRAY that this be escalated to the highest level allowable so I can put this behind me. XXXX. The other thing I keep leaving out. When I first discovered the False reporting in spring of XXXX I had just started rebuilding after horrible time in my life. This triggered a DEEP cycle of XXXX I am prone to and I just XXXX and I let XXXX Credit Cards accounts I recently opened. As we all know the financial implications of that. I started dealing with this again in XXXX of XXXX with no resolution. This is what I believe Chrysler Capital feeds on keeping people in the subprime cycle. That is why I believe there business model is report late payments from a supposed missed first payment, so one ca n't refinance after six months, in addition to racking up fees. My account I believe is over XXXX XXXX Dollars overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax posted a " major derogatory '' on my credit file that was reported to XXXX not Equifax. I have disputed the item with XXXX and it was deleted. The account was paid in full with XXXX and never should have been reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Hello CFPB, I have been dealing with the incompetence of Freedom Mortgage and XXXX Mortgage since XXXX 2015 as outlined in the attached RESPA letter. They really messed up the transfer of servicing. To keep the story as short as possible, everything requested in my RESPA letter has been resolved EXCEPT : Freedom Mortgage 's answer to thousands of dollars in payments I made in XXXX 2015, before the transfer of servicing, was to reverse the payments and send them to XXXX who reposted them as of the date they received them ( XXXX XXXX, XXXX XXXX. 

Now I 'm not an accountant, but it seems that it 's illegal to reverse payments and have them posted months later without proper credit for the interest. 

As you can see by my RESPA letter, I 've spent a LOT of time trying to correct their mistakes. I would n't mind being compensated for that. I figure at least XXXX hours XXXX XXXX {$400.00}. It 's a lot cheaper than if they 'd had to pay my lawyer and court costs.

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 monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As a favor to a friend, I setup a Chase Quick Pay account linked to my credit union checking account. This person 's relatives would send money through Chase Quick Pay where I would get an email to login and to accept this money. I would do so and after 1-2 days, the money would show up in my checking account. I would then proceed to withdraw that money for the person it was intended for. The last transfer for {$170.00} was deposited to my checking account on XX/XX/2016. I noticed today however, that the money was reversed by Chase and taking from my account on XX/XX/2016. I would assume that once the money was transferred and deposited, that the other party could not cancel the payment. Further, I would assume that once Chase makes the transfer, the money being transferred has been verified and is available. I do not understand how Chase can come back a week later and remove that money from my checking account without me agreeing to it. Also, if that money was not available, why is Chase even making the transfer to begin with. I feel I was scammed both by the person making the transfer and Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 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: WI

Complaint narrative:
Over 10 year period, Navient has been charging incorrect, higher interest percentages on both my Federal and private loans. After speaking with a representative with the CFPB on XXXX XXXX, XXXX, it was discovered that I also qualify for most of the charges the CFPB issued in their lawsuit filed in XXXX XXXX. In addition, there are the charges with the lawsuit the CFPB filed against XXXX XXXX XXXX in XXXX. There are additional charges that related and or linked to show cooperative, illegal and unethical practices between Navient and XXXX XXXX XXXX. I have spent years on the phone with XXXX/Navient being on hold for thirty plus minutes at a time ( one phone call I was on hold for almost an hour and a half, records of some of the calls were recorded as evidence ). In addition, Navient associates transfer calls to other departments and or associates who were not requested. They do every single time a customer calls them. This occurred again on XXXX XXXX, XXXX between XXXX and XXXX CST. At one point, I was on hold for over 45 minutes waiting for a supervisor. Another associate, not a supervisor, then picked the call up and proceeded to put me on hold for another twenty plus minutes. When a supervisor finally did come on the line, identified as XXXX XXXX, he refused to deal with the hold issue, refused to let me speak with his supervisor, who he identified as XXXX XXXX, and then hung up. Attempt to reach XXXX XXXX were unsuccessful, as I was told no one could find this individual in their entire system and going through multiple departments. One associate, identified as XXXX ID # XXXX, admitted that placing customers on hold for unacceptable amounts of time and transferring them to other departments and individuals was part of Navient 's policies and guidelines. XXXX also confirmed that the charges that were brought up against Navient by the CFPB were also part of Navient 's policies and guidelines. I was never able to reach XXXX XXXX after spending two hours and twenty six minutes on the phone with Navient associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alorica Inc.
State: IL

Complaint narrative:
WEST ASSET NEVER SENT ME A VALIDATION LETTER REGARDING MY XXXX BILL!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Debt was paid in full. Company updated report and then added the amount back which caused my credit report to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: TRANSWORLD SYSTEMS INC
State: SC

Complaint narrative:
I have an outstanding medical bill from University of XXXX as well as from the University of XXXX. The medical bills were a result of an automobile accident, for which I am pursuing personal injury settlement with my insurance company. My attorney has repeatedly notified the XXXX, the XXXX XXXX XXXX, and their debt XXXX of his representation and further instructed them to direct all communications to him. Despite this, I am repeatedly receiving invoices and debt notices to my home address and nothing is being sent to my attorney. At least XXXX account ( University of XXXX ) has been sent to a debt collector, and I believe this may be affecting my credit. The debt collector was also instructed by my attorney to contact him, but they have also continued to send statements to me. I feel harassed and bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
General Revenue Corporation has been calling both my cell and work phone numbers repeatedly during working hours despite me telling them that I can not accept calls at or during work. Today they called a colleague with a different phone number than my own, one that has no ties at all to me, and told her to give me a message. This is harassment and totally inappropriate. I am sending them a registered letter so they have the request in writing, but based on the experiences of other consumers, I do not expect this to be honored. I will send a second if needed, but I am not hopeful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have old navy visa card exp. date XXXX used to pay bills with it.they stop the card without giving me a notice which gives me bad credit and they charge me a late fee.I did n't authorize to stop my card and I pay my bill in advance before I received.when I call customer service they told me they sorry.there a payment for XXXX paid on XXXX/XXXX/17 by XXXX XXXX bank they told they received they still asking for it.

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 monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
At this point, I have no other direction to go except by filing a complaint against Navient. I have XXXX private loans ( currently, XXXX ( XXXX ) is being paid on monthly ; the other private loan, supposedly WAS in default. My federal loans have been consolidated. It is quite difficult communicating with Navient 's representatives because ONE individual IS NOT assigned to my file. It is numerous individuals. There are days that I receive calls 3, 4, 5 calls a day. The latest was XXXX XXXX, XXXX. I actually spoke with the individual. I informed them that I was on the phone seeking help from another agency in guiding me through this loan repayment processing. Navient 's representative was not listening ; thus, I became agitated because the representative was demanding payment. " So, are you saying that you are not going to make a payment. '' I hung up and continued speaking with a representative from XXXX XXXX XXXX. Two minutes later, another Navient representative called me back with the same arrogant, threatening tone,. Again, I hung up. I informed XXXX of XXXX XXXX XXXX of my issue. He attempted to help and logged into the system. It was at that time, we realized the private loan was not in default. In XXXX, I can recall a Navient representative informing me the XXXX loan was in default. As a matter of fact, per their documentation, both are now being financed through Navient XXXX Corp., not the original lender.. Notation on the loans are '' interest rate, variable, set by lender, Navient. '' This was the first that I have heard of this. I am being " robo call '' so severely, that I attempt to " block '' the number to no avail. Why? Because they call from different numbers. The latest is XXXX. This is the number they continued to call me from on Monday, XXXX XXXX. Although they telephoned, XXXX and XXXX. respectively. I received another call from them at XXXXeven though I had spoken with them earlier that day. Prior to filing this complaint, I have been receiving messages from a XXXX, XXXX, and many more Navient employees, 3, 4, 5 times a day. I have been completely stressed from the harassment. I have lost weight, pulled out my hair, and my skin has became seriously inflamed ; all from stress. I do n't understand the relationship between XXXX XXXX and Navient, but Navient is by far the WORST.

Company response to consumer: Closed with explanation