vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am a graduate of XXXX also know as XXXX XXXX XXXX, when meeting with school advisors they told me I would be in a top level chef position after graduation. I was told over and over that this was true. as I was second guessing my choice to attend I received multiple calls everyday ( sales call ) harassing me to attend the school. eventually I applied for student loans and was " accepted '' into the program. After completing my education I was unable to find XXXX of those " high paying XXXX '' that I was promised. I was stuck with over {$35000.00} of student loans and only making $ XXXX barley enough for me to pay my bills living on my own let a alone pay a high monthly payment on my student loans. I opted for forbearance. my loans collected interest and put me even further in debt. over time it seemed that I would make payments and my loans would just grow. finally after 10 years of being on and off forbearance and a lot of experience I finally have a decent paying job, but still not enough to take care of my family and pay off my debt. as of now I will be paying back my debt for the next 20 years. I will not be finished paying me debt until my kids are in college ( that 's if I can afford to pay for theirs ). recently all the le XXXX in north America are closing. so the degree that I was told once held " great weight '' because of the XXXX name will not by worth the paper it is printed on. Now even if I could eventually get the chance to get that high paying job my degree will be worthless in the eyes on my new/potential employers. 
Unfortunately I was one of the many victims of the for profit schools. I will never be able to support my family they way I dreamed of or give them the " American Dream ''. I was tricked my school advisors into thinking I would have this great job after graduating and it did n't happen. Because of the many years of not making a living wage and trying to support my family my student loans are behind and so much interest has accumulated that it will most likely take the next half of my life to pay back. 

XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have had many problems with Navient student loans, they changed my rate many times, and they are always changing there rules. It 's very sad what these companies in America are doing the the american students. I am XXXX and i cant buy a house because of these students, i pay {$300.00} a month and my loans are not moving from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
What happenedDescribe what happened so we can understand the issue ... 

Saturday XXXX XXXX, XXXX and major complaint. Previous complaints addressed harassing phone calls. You stated that no more phone calls. I was awaken at XXXX Hawaii Standard Time by a phone call from your representative. Message from Representative XXXX XXXX, to call her at XXXX XXXX. 
Please answer the following questions to include unresponsive answers to previous complaints. 
1-Is this a harassing phone call. Simply answer Yes or No and what is going to be done to stop harassing phone calls. What is the violation and civil penalty if this occurs again? 
2-You all keep changing enterprise representatives on me. Please respond with name of representative to contact by email. Your phone calls are not resolving our issues and my complaints. I previously ask for email address for Representative XXXX XXXX to resolve our issues and complaints. You all have be non-compliant. Please email me his email address. If not, please explain why I can not get his email address to resolve all issues and complaints. 
3-I ask for the mailing address to mail XXXX form to receive {$500.00} signing incentive for partial claim. Please respond with mailing address to include attention what department. 
What if any is the money incentive to re-sign modification documents? Yes or No. If so how much? 
4-You responded that I am not required to re-sign loan modification documents. You also stated that my modification terms will still remain in effect. You further stated by not re-signing loan modification, it may cause difficulties in the future if I attempt to modify, refinance or the sell the property. 
Please be specific, not general terms as stated above, what difficulties I am going to encounter if I attempt to modify, refinance or sell the property. Please explain fully. 
5-You mentioned previously about recordation of modification. My questions to this still have not been answered. Where is modification recorded at. Name of agency where recordation is being done. Exactly what is being recorded? Who is doing recordation? Phone number to call to check on recordation. 
6-If you all address and answer my questions and concerns, then we can finally resolve all issues. It is up to you all to finally resolve all issues. Simply answer my questions and concernsThank you-XXXX XXXX to publish the description of what happened? Consent provided

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a call on XX/XX/XXXX from Bank of America for my loan modification, and the received a an intent to close letter as of XX/XX/XXXX. It is as if they are pursing modification and foreclosure at the same time. All of this is putting distress on me and my husband. This is my husband 's mortgage and I assist him. I am a 10 month employee, and our income is limited because he is not working.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I started a new job in XXXX 2016. I updated my Income Based Repayment Plan on studentloans.gov. I submitted all of the documents that were needed to the fax numbers given on studentloan.gov. Navient contacted me around the end of XXXX stating they did n't get my income information. I called them and told them I sent it to the fax number given and they stated that was an incorrect fax number. I resubmitted my income to the fax number given by the representative. I then received another email around the end of XXXX of XXXX stating my income did not have my pay frequency, so I resubmitted my income again. I received another email today XXXX XXXX XXXX ) stating I do n't send in income way with pay frequency. I called and told them I did. The representative had to look at my income paper again and saw that the frequency was there. But since a payment was due yesterday, I had to make a payment or complete a forbearance. I do not think I should have a late payment, missing payment nor have to complete a forebarance since I was timely with my correspondence to them and in fact initiated the update to my Income Driven Repayment Plan. Due to this negligence my repayment plan is n't being processed until today! I am not at all satisfied with being punished with a late payment due to their negligence on overlooking the income documentation I submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
At XXXX hours on XX/XX/XXXX CST I received a call from a XXXX with Bank of America inquiring about my account. Bank of America had already been served a CEASE AND DESIST letter on XX/XX/XXXX ordering them to not contact me further. 

Bank of America violated the FDCPA Section 1692c and FDCPA 15 USC 1692 c(c). XXXX at BOA continues to harrass me, and when I advised the Cease And Desist letter she claims no knowledge. I have on record they signed for it and received it. I also sent a copy to the FTC, CFPB, XXXX State Attorney General and the XXXX Attorney General.

I wish for Bank of America to cease all communication, and it would be in their best interest to drop the chargeoff collection as account is too old to collect upon. Charged off XX/XX/XXXX and WA STATUTE OF LIMITATIONS is 6 years. Bank of America, is a Day Late, and a Dollar Short in this matter! 

Bank of America continues to harrass me, and XXXX said 'We will sue you and have you arrested'. Vehicle was voluntarily surrendered in XX/XX/XXXX and i have not seen it since (as I have moved on). 

Bank of America is now in VIOLATION of the Cease and Desist and is eligible for a lawsuit at this time for violations of the FDCPA and FCRA laws protecting the consumer.

I have signature proof from Bank of America showing they signed for it.

Reference CFPB XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I became aware of this debt when I checked my credit report for the first time in many years recently. I saw that Southwest Credit System has an amount of {$190.00} reported for XXXX, however this was the first time I saw this. I had not received prior notice of this debt, along with account information and what the debt is for. Since I had my identity stolen in XX/XX/XXXX, I wanted to make sure this is legitimate. 

I disputed it with XXXX on XX/XX/XXXX and also wrote a letter to Southwest Credit System requesting verification ( USPS notified me that my letter was received on XX/XX/XXXX- proof available ). XXXX has not notified me that the agency has responded, and I have not received a response to my letter. 

I understand that a collection agency does not have to respond to verification requests within a certain time frame, but in this case I was never notified of this debt or what it is for and need verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I recently filed a complaint ( # XXXX ) with your company against Southwest Credit Systems , L.P., located at XXXX XXXX XXXX, XXXX . XXXX, XXXX, XXXX XXXX about a debt I do not owe. 

In response, " SWC state on XXXX XXXX, XXXX, XXXX contracted with SWC to collect the unpaid amount of {$490.00} on account XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. According to XXXX, the account became delinquent XXXX XXXX ''. 

I recently reviewed my credit report with XXXX dated XXXX XXXX, XXXX, and reflecting is a collection account in the amount of {$490.00} that was assigned on XXXX and reported to the CRA 's on XXXX by XXXX XXXX, located at XXXX XXXX XXXX XXXX, TX XXXX. 

This account was eventually removed from my credit report after informing them that I do not owe the alleged debt. 

Although, Southwest Credit Systems L.P. state on XXXX XXXX, XXXX, XXXX contracted with them to collect on the alleged debt. I believe they uttered untruth knowingly and they are XXXX XXXX, and was assigned the account before XXXX XXXX, XXXX removed it and put it back on my credit report under a different name.

Company response to consumer: Closed
Consumer complaint received 2016-10-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: IL

Complaint narrative:
I was sent a unsolicited pre-paid Mastercard Debit with my name on it from an organization called netSpend, XXXX XXXX XXXX, XXXX TX XXXX, supposedly associated with a bank named " XXXX '' I did not ask for or apply for this card. It appears to be a fully functioning card ( except for activation ). I do not want cards that are linked to my identity being sent out without me having applied for or requested a card. I see this as potentially putting my identity or my financial security at risk. This is a lousy practice and should not be allowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I was contacted by Southwest Credit Systems to collect a debt on behalf of XXXX that is not overdue. They misrepresented the nature of the call. They also provided false information.

Company response to consumer: Closed
Consumer complaint received 2015-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vital Solutions, Inc.
State: IL

Complaint narrative:
I get calls on average 15-20 times a day from Vital Recovery Services XXXX. I have no debts. I 'm 85 years old and they are calling me about a debt that one of my children supposedly has. They all have their own homes and phone # 's, and if one of them had a debt in collection, which they tell me they do n't, the calls this debt collector is making should be to them not me. I 've told them this in the past and yet they continue to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
On XXXX XXXX, 2013, I went into my local Huntington Bank Branch to close my account. The banker told me he would be sad to see me go as a customer and asked why I wanted to close the accounts. I explained that I had accounts elsewhere and wanted to keep the accounts at XXXX bank. He then wrote me a check for the balance of my account and told me that the account would be closed. Without my knowledge or consent, an automatic payment came through on the account on XXXX XXXX, 2013 for {$14.00}. This re-opened the account and pulled money from a savings account that I had at the bank at the time. I was receiving my statements electronically and was denied access after I closed the account on XXXX/XXXX/13, so I did not see this happening and had no knowledge of the activity. I was not contacted or informed that my account was re-opened. I did not authorize these transactions or the re-opening of the account. Recently, I decided to close out the savings accounts that I had huntington bank. When I went into the branch, I was told that I had XXXX accounts and that other accounts were never closed. In speaking with XXXX XXXX from the branch, we discovered that a fraudulent ACH charge was occurring every month on the account that I closed on XXXX/XXXX/13. This forced the account back open without my consent or knowledge. I explained that I did not authorize any of this and had no knowledge of any of this happening. XXXX completed paperwork to have the money refunded since the account was opened with a fraudulent charge. Huntington determined that an error occurred but that they are only responsible to pay me back {$44.00} or three months worth of charges. They admit it 's an error but only want to refund a very small amount. If I had been notified that the account had been re-opened, none of this would have happened as I could have told them at that point it was fraud. I tried to resolve this with a customer service agent, XXXX. I explained that I was told the account was closed. I XXXX out the account. I was denied access online to the savings accounts. XXXX was rude and unkind and later XXXX from the branch helped me file a complaint against him through huntington.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: National Arbitration Forum
State: VA

Complaint narrative:
I continue to get calls from ( XXXX ) XXXX on my home phone looking for XXXX XXXX. I have advised them XXXX in the past year I do not know this person - please remove my phone #. I got another call 2 days ago and called them today to advise they have a wrong # referencing the # they request of XXXX. In a few months they will call again - a live person leaves a message about a pending Court date for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Netspend Corporation
State: MD

Complaint narrative:
The Western Union Netspend card is only XXXX of XXXX prepaid cards I use to pay bills and receive deposits. This year I decided to apply my tax return ( both STATE & FEDERAL ) not knowing the amount of hidden fees that was attached to this card. I learned there is a {$720.00} daily ATM limit, however ; there is a cut off of $ XXXX {$300.00} per ATM withdrawal. Each ATM withdrawal has a {$2.00} fee attached. There is not option to increase your limit to illuminate the fees. I signed up for a monthly plan fee thinking it would save money but the card makes the money back once I make a withdrawal. I have attached a spreadsheet of the fees since XXXX ( {$290.00} ). 
If statements are needed I will be more than happy to fax them to you. These cards are only a setup to KEEP struggling consumers in a hole that is ALREADY TOO BIG!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Southwest Credit Systems, L.P.
State: UT

Complaint narrative:
I switched phone carriers in XXXX. In the process I called in and was given a final bill amount that included paying out my contract. I paid that amount. Several months later I received correspondence from southwest Credit saying I had a XXXX Bill in collections. At XXXX point on the phone Southwest Credit while trying to verify my address, had a transposed house number ( fyi ). I never received a paper or email bill from XXXX, and had paid a hefty amount to close out the account, and so I told them I would have to verify with XXXX if it was legitimate. I attemtpted to contact verizon via phone and also tried to log into my account on line. Since I moved my phone number, ( the log in for XXXX ) it made my online account inactive, and I could not verify via phone that it was a legitimate bill. I chose to terminate early with XXXX, and I knew it would cost me, for which I paid. If it is a legitimate verizon bill, I will pay the amount, but do n't think it is fair to be dinged on my credit, as they failed to send a paper bill or even an email saying I owed additional money. I have n't just paid the credit collection company because I have been unable to prove I even owe the bill, other then them telling me I do. They are now threatening legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: GA

Complaint narrative:
I received a Netspend Premier Prepaid Card from filing my federal and state tax returns on XXXX XX/XX/XXXX. I only physically used the card a few times and added the card information on all of my online accounts as my default payment method, I primarily make purchases online and rarely use my card in stores due to my inability to leave my home very often. On XXXX XXXX at approximately midnight, I noticed the card was missing and immediately called the automated line and reported it stolen. They cut off the card and froze my entire account. Freezing the account not only prevented anyone from using the card but it prevented me from accessing my funds. I filed a police report the following morning and began assisting the investigating detective gather any information and evidence that I possibly could. The next afternoon the detective already had surveillance footage from several merchants and I then identified the subject as an acquaintance and gave them information on her known whereabouts. Charges were filed and an arrest warrant was secured. She is currently incarcerated awaiting court. I properly filed a dispute with the card company and even provided them with all of the detective 's contact information. On XXXX XXXX, I was told that the dispute had been resolved and I would not be getting any credit for any of the fraudulent transactions. I am appalled and confused. I worked very hard for the refund I received and someone stealing my card and stealing over {$1600.00} in funds has destroyed me. I have now lost my car, my job and was evicted from my home two days ago all as a result of this ordeal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
southwest illegally reaged my account 2 years. its a collection from XXXX the debt is from XX/XX/XXXX but southwest has decided its from XX/XX/XXXX on my credit report. so now it says it will be on my credit report until XX/XX/XXXX thats 9 years from when the debt happened in XX/XX/XXXX im sure it was on purpose and they like {$1000.00} fines for illegally reaging debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
Just got a notice from my credit monitoring service that a new debt was attached to my credit report. I immediately disputed it online through XXXX and they sent me an email the very next day that said the investigation was complete. I find that very hard to believe there was any 'investigation ' at all, given that I had commented that the debt was 'fraud ' and does not belong to me. How was this debt verified as belonging to me in XXXX day, and how was it 'verified ' if it is n't mine? I do not owe this company money, and this debt is fraudulent. I have a very common name and do n't understand how something can attach to my report without proof of it being mine!!! I need this item completely deleted from XXXX and any other reporting agency, as this debt is fraudulent!!!

Company response to consumer: Closed with non-monetary relief