vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I had no idea how Student Loans work. I took them out though because I needed the money for college, and my college told me it would be the only way I would be able to afford to go. That is on me. I attended the University of XXXX XXXX and graduated in XX/XX/2016. 

Fast forward to when I was graduated. About 5 months after I graduated, I started receiving calls about setting up arrangements to pay back my loans. I was still searching for a permanent job, but was doing odd jobs here and there to make some money. I explained this situation to them and they were very understanding. I offered to make a reduced rate knowing what I could afford. 

This is when things started going south for me. They mentioned a program where I could pay {$0.00} until I got to the point where I could afford the proper amount ( approximately 1 % of the my total loan amount a month ) / I offered to at least begin making small payments but was told that it would do nothing but lower my credit score as they would have to report it as incomplete payments. I was pressured in to the {$0.00} payment plan. 

I told them I would need some time to think about it. They responded with my need to act quickly as this was a short time offer that they do not regularly give out and I could lose it. I was rushed documents to fill out as they told me what to put down. I then entered in to this agreement where I paid {$0.00} for about 18 months until I finally had enough cash flow to provide the full amount a month. 

Having done research and having abetter understanding of how student loans work and money work, I feel that I was taken advantage of and could have at the very least, covered the payments of the interest to prevent an even higher amount being owed now. 

When I did bring it up to them, they just apologized for how I was treated and stated that all they could do is ensure better customer service moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX Huntington National Bank debited my account with them XXXX from a debt they said I owed in XX/XX/XXXX. I just opened the account on XX/XX/XXXX with no knowledge of any past debt owed to Huntington. I feel it is unacceptable, very discourteous to a customer to do this with no warning or no verification the debt belongs to me etc. it cause me a lot of problems & set backs on bills to be paid, I had no money no food and could have been evicted from my residence because of the unforeseen circumstances. Could you please help to recover those funds for me, or assist with a better resolution if my funds can not be recovered, I do not believe this is lawful or is it being targeted at a specific group of people because its just not right. I should have been given some knowledge of the intent to do this and the debt verified before the bank just take my funds please help if possible. They also said they bought first merit bank and their debt so I presume they will take from anyone whom they feel owe debt to either entity. Also when I opened the account I have documents of my current residence on the documents but today XX/XX/XXXX the banks internal department did not have that information in their system it was just updated today How is that possible if I have the documents from XX/XX/XXXX with my current residence on them, what address did they use or were they using as my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
Are you the original creditor? Can you prove to me beyond a reasonable doubt that I have a signed agreement agreeing to pay your company? 

How did your company obtain my medical information? Can your company prove that I authorized your company any type of written consent to obtain my medical history If you cant present me with proof that I allowed your company to obtain my medical records then your company is in direct violation of ( HIPPA ) The Health Insurance Portability and Accountability Act of 1996

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 2019-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
On XX/XX/2019 I went to South Carolina to begin my XXXX XXXX for the United States XXXX while down there I had none or very little access to phones, internet and even my money because we were training to become XXXX but while I was down there my banking account had been compromised with navy federal leaving me with XXXX cents due to atm withdrawal fees over XXXX $ During the time I was in XXXX XXXX which I didnt need know where near that kind of money and the atm chargers where nowhere near close to where I was at the time and I told navy federal I could prove it with documentation I was in XXXX XXXX. when I had got my phone back after two months on XX/XX/XXXX family day and checked my bank account I found out somebody had stole my identity and acted like me guessing my code word to navy federal and changed the pin to my lost/stolen card because I didnt give anyone permission or know anyone personally who would steal my money and the police are investigating now to access it so I changed everything about my navy federal account new routing number, new pin, new code word. I asked did they need any of my documentation for the credit provisions they were giving me and do I file a police report with them or the cops and I did it with the cops they told me no even though I couldve provided it so on XX/XX/XXXX I was negative the balance that was stolen from me and the credit provision so I called navy federal they were very rude and little to no help at all the call center representative told me I was denied because a third party who we both dont know who it is, said I gave written permission to spend my money so they denied it without even verify sources after I told them I dont know who stole the money and my card was lost then stolen that was the second time they let somebody act as me on behalf of my account the fraud supervisor XXXX or something hung up on me after she said she couldnt do anything to help me which was very rude. I just want to get my money back and how does navy federal keep letting my account get compromised if I try to go threw all these precautions measures to not!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I called Ditech to request an Escrow Analysis on XX/XX/2019 do to state tax exemption for XXXX persons. I was told that it would take 5-7 business days to complete. I called several times after the 7 business days and then I was told it was not processing and I would now have to wait 60 days prior to requesting a new Escrow Analysis. I live in Georgia and my state law requires mortgage companies to complete Escrow Analysis within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I made a partial payment on my loan last month USAA auto loan and the young man asked me when would I be able to pay the remainder of the loan I explained to him that I was looking for the funds to come to me within a week or two he gave me a date I said yeah probably around that time he in  return takes and makes that date the date to have the money withdrawn from my account which I did not come out my mouth tell him to take this money out of my account on this date which caused me {$28.00} over draft fee. I tried to dispute it and they refused dispute. Now they are charging me other {$28.00} for the same thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I had a credit card account with some company for ordering online ( think for clothing-XXXX? ). At that time I was employed. In 2016 I was forced to quit working due to XXXX XXXX. I waited until I was reahed age XXXX years and applied for Social Security benefits. Social Security is my only source of income. Some collection company called " Midland Credit Management '' has called me attempting to collect. The callers are foreign, English is horrible ( some guy named " XXXX XXXX ''. I swear this guy is from XXXX. He wanted me to give him my Social Security number over the phone. I believe this is illegal. I know they can not garnish Social Security income and I have no assets. State of Michigan may seek reimbursement for Medicaid provided to me upon my death. I feel I am being harnessed. Not good for my health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS

Complaint narrative:
Requested mortgage assistance with my property I have submitted financials to the mortgage service Select Port Folio. 
Please Help I don't want to lose my property. The bank is very difficult to work with. I reside in the property to assist my elderly Mom whom need my help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TN

Complaint narrative:
I lived in XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX after just returning from XXXX . I am an XXXX XXXX XXXX in the United States XXXX. In XX/XX/XXXX I received new orders and began the move out process, I gave them a hard copy of my orders and had email traffic ( at the time ) with the manager at the time named XXXX. He examined my apartment and told me to have the carpets cleaned. He gave me the phone number for the company they use and I paid almost {$200.00} for the carpets to be cleaned. The day I moved out I was told to leave the keys on the counter and lock the door behind me. I emailed him and called him afterwards trying to figure out if all was good and if I owed anything more. He never got back with me, so I took that as an understanding that all was okay. In XX/XX/XXXX, I received an email from the current manager that replaced XXXX saying that I owed a debt, I informed her of the situation and she confirmed she saw the email traffic. I let her know that I would only speak to corporate and to refer me immediately. After unanswered calls and emails, I again thought all was taken care of and sorted out. I then just received a letter in the mail dated XX/XX/XXXX saying I owed even more. I am so confused, I called the collection agency and they threatened my credit, yelled out me, berated me, and told me that if I didnt pay today it would noted as a refusal and they would report me. They told me I could take a payment plan, but that the plan would only be available today. They then began to tell me they accept Visa and MasterCard. I have tried countless times to get in touch with the Apartment Complex, none of these charges are warranted. I have not lived in that apartment complex for almost a year and half. They have had my contact information this entire time. 
The Collection Agency is called ProCollect and I believe it to be a scam. I have undergone XXXX  XXXX just this year already and I was just able to go collect my mail after an emergency XXXX XXXX, they told me I have until XX/XX/XXXX and then they will destroy my credit.

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 2019-06-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Associates Loan Servicing LLC
State: NC

Complaint narrative:
After graduating from XXXX XXXX XXXX XX/XX/XXXX, I was certain the only debt I had were from the federal loans taken out on my behalf to go to school. Over a year later, I received a bill from PEAKS Student Loans indicating I owed north  of {$24000.00} in private student loans. I never heard of this company until then, and only after they already tacked on interest and late payment fees. I specifically instructed the XXXX XXXX  to NEVER take out private loans as they are often predatory and I didn't want to deal with any private entity. It is now XX/XX/XXXX and I'm still getting harassed by this company through collection agencies regarding this bad debt and I am not responsible for it. I have a family now and my credit score is still terrible after all these years and we need to buy a home. 

I have tried working through the credit agencies showing this debt to get it removed from my report due to fraud on behalf of XXXX but PEAKS has repeatedly called it legitimate and renew pressure on me to pay this off. Working with their new collection agency, Activate Financial, they are telling me I have an address in Virginia, and I have never set foot in the state, so obviously there has been some identity theft using someone else 's information to put debt on my shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I was charged {$70.00} for a monthly parking service that I was no longer signed up for. I had called the company at the beginning of this month and they stated the refund would be back in at least 7 days so I did not attempt to cover the costs since they had that 7 day promise. It is now XX/XX/XXXX and no refund had been established and now my credit score is taking a dive because XXXX  XXXX XXXX corporation can not establish their funds back to my card. I paid the charge to my account just so it wasnt going to be a running balance but I am planning on buying a house soon and this parking company is compromising my livelihood and it is out of my control.

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 2019-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened my bank account with Citizens Bank around XX/XX/XXXX. I signed up using a promotional offer that made me eligible for {$450.00} bonus after successful direct deposits ( I have a screenshot of the offer ) I then finished my direct deposit requirement and called the bank around the end of XXXX. The agent verified that I have successfully completed the requirements for the bonus and I will receive it automatically in 90 days. 
I called the bank again around XXXX and they said bonus will post around XXXX end. 

When I finally called in XXXX they refused the bonus citing some bogus technical reasons. I have a screenshot of the offer with the link I used to open my account. 
Despite making repeated calls and even in-person visit to the branch they are just delaying the issue and have failed to provide any reasonable explanation for last 20 days. 

Here is my complaint number registered with citizens bank : XXXX Any help regarding this will be appreciated. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX used my credit report without my authorization. Both these dealerships sent my credit application to multiple finance companies without my consent, causing many Hard Inquiries. I mailed each of the companies and they stated that these 2 dealerships authorized them to run my credit. This was an illegal use of my credit authorization and I would like these Hard Inquiries removed from all three ( 3 ) credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2019-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Every XXXX my mortgage payments increase or decrease based on a number of variables. This year it went up considerably, so in order to bring the payment down I switched from XXXX XXXX   XXXX to XXXX, and saved a substantial amount. The effective date of coverage for the new insurance coverage was XX/XX/2019. The new mortgage payment ( with the XXXX pricing ) started in XXXX. I was advised to put the refund check from XXXX in the bank, which I did, and then call Bank of America and give them authorization to withdrawal that money, which I did and they did withdrawal the ENTIRE amount for XXXX XXXX coverage. Now when I paid my mortgage for XXXX they had not updated the information ( not my fault ) and so they charged me a XXXX advance shortage fee. the problem is I over paid them {$40.00} My new amount is XXXX I paid them XXXX. They cant seem to understand this and still say i owe XXXX for XXXX but I dont because my insurance rate and coverage was effective XX/XX/2019 and they received the refund in full. i want this corrected before I get too many payments where they say i shorted them and I want my credit. the ladty i talked to said she would issue a complaint and to date I have heard nothing back.

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 non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Origen Capital Investments II, LLC
State: OH

Complaint narrative:
Attorney XXXX XXXX is the representation for Origen Capital Investment XXXX XXXX XXXX XXXX XXXX keeps threatening to sue me for a debt my father owes on a judgment for an old loan. He has summoned me to court and depositions where he asks me personal questions about my husband and children. He has told me, my father and my brother that if my father doesn't pay the debt he will go after me for the money and tells me I am committing fraud and breaking the law. I am in no way signatory on any loans involving my father or his business nor am I an owner. XXXX claims that because I was an employee of my fathers small business at the time of the loan that I am responsible for the debt. He continues to make filings and subpoenas with the XXXX Municipal Court in XXXX County, one of which was 46 questions regarding my father, his bank accounts, business dealings, property and other information that I do not have access to. After I reluctantly answered all of these questions, I sent XXXX XXXX a cease and desist letter because I am not responsible for this debt. I received a letter last week stating that he subpoenaed XXXX and XXXX for my account information. Again, they have no judgement against me nor have i ever signed for or accepted responsibility for any loan involving my father or his business. He has continued to harass me and my family and my next step if this is not resolved by the cfpb is to file a complaint with the Ohio Attorney General, file a Grievance with the Ohio Supreme Court and file a suit for harassment against Capital Investment and  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT

Complaint narrative:
XXXX XXXX is stated to be my " relationship manager '', but every time I try and reach this person they do not return my call or email. They have been my " relationship manager '' since the case began in the beginning of 2018. XXXX 's phone number is XXXX XXXX XXXX ext XXXX and email is XXXX. XXXX has not directly reached out to me at all. 

It is also instructed to contact XXXX if you can't reach XXXX. However, that email provides only a receipt that email was sent and then they do not respond either. 

Each time I try and reach them, there is no response from either Mr. XXXX or any of his colleagues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation