vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient refuses to response to any written requests regarding the discharge of my student loans. I have spoken with Navient representatives/debt collectors numerous times informing them of applications and documents that has been submitted for loan discharge and no resolve. XXXX ) I submitted the will called seven times a day in a form of harassing me for payments. Navient has been informed in writing and verbally regarding my filing bankruptcy which included all five student ( XXXX  ) loans. 1. XX/XX/XXXX amount : {$7500.00} ; XXXX. XX/XX/XXXX amount : {$3400.00} ; 3. XX/XX/XXXX amount {$7000.00} ; 4. XX/XX/XXXX amount {$5500.00} ; 5. XX/XX/XXXX amount {$5000.00} at a 6.8 interest rate. All of these loans Navient purchased, and they were all included in my bankruptcy. In addition, to the school closing and I never received my diploma/certificate from XXXX in XXXX, California. In explaining this information over and over again. Last year in XX/XX/XXXX, When I spoke with a Navient representative I was instructed to complete and submit a Loan Discharge Application : School Closure and he ( XXXX ) told me that this should take care of the student debt and I would no longer be harassed. Once again, I did as I was instructed and I have attached the Loan Discharge Application : School Closure. Lastly, I have been receiving calls and written letters stating that if I don't make payments, the guarantor may take one or more of the following actions. Keep in mind my student debt should have been discharged, and the violation of harassment during this COVID pandemic should not be happening. I truly believe that I am a target of discrimination, and it is clear that Navient does not or should I state, will not reply in writing to any submitted documentation. 
I will continue pursing my rights, as I have become a victim of Navient and will file a discrimination complaint with the office for Civil Rights to stop this vigorous harassment and not discharging the student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
XX/XX/2020 to current. I have been requesting from Professional Finance for validation of debt and to cease and desist all attempts to collect this alleged debt until it has been validated. The companies has failed to comply to the request and have violated my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
On XX/XX/XXXX I submitted a complaint with reference number XXXX stating that the leasing company is not issuing me my property tax refund which was charged incorrectly and had to go through abatement process. 

On XX/XX/XXXX company responded that they are still awaiting refund from XXXX, CT tax collector office, the company will issue refund, as soon as they receive it. 

XXXX Tax collector office states that they had already issued the refund in XX/XX/XXXX and the leasing company has received the money. 

Denying a tax refund on leased vehicle, which has already been issued by tax collector office shows the willfulness of the company for not issuing tax refund.

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 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/2021 PORTFOLIO RECOVERY ASSOCIATES was contacted through certified mail regarding a corespondence of an attempt to collect a debt in the amount of XXXX ( partial account # XXXX ) The original creditor XXXX XXXX was also contacted by certified mail letter in regards to disputing alleged debt. Portfolio Recovery Associates as of todays date XX/XX/2021 has never responded to written corespondence disputing this debt and a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I asked Portfolio Recovery Associates to provide me with competent evidence that I have any legal obligation to pay this debt buyer. Meanwhile XX/XX/2021 Original creditor XXXX XXXX sent a response stating that the alleged debt I was referencing was sold to Portfolio Recovery Associates. I did not consent to any sale of any information between Portfolio Recovery Associates and XXXX XXXX. I was not aware of any exchange of information between these two entities. After written corespondence was sent to Portfolio Recovery Associates I began recieving several harrasing phone calls multiple times of day to my personal celluar device from Portfolio Recovery Associates threatening " legal paperwork needing to be served upon me at my home or place of employment ''. I do not owe or have any obligations to pay Portfolio Recovery Associates any monies realted to any alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
My children and myself were in a car accident. I was not aware of debt prior to going on my credit report as the man who hit me insurance company was supposed to pay all medical debt incurred by accident I have paid three of the four medical debts to attempt to get removed from my credit as this was not my debt. Collection agency has not furnished any summery of debt as well as sending a summery of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Business Bureau
State: CA

Complaint narrative:
i attempted to report this and i got more information. 
the initial creditor is out in illinois for an XXXX. I've never even had XXXX or been to illinois! 
I contacted the medical business bureau and they stated the addressXXXX XXXX  XXXX XXXX and the date of birth XX/XX/XXXX. I don't have that date of birth and ive never lived in that address. Ive never lived outside of California or visited anywhere in the US past XXXX XXXX Nevada. 
Original Creditor XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Opened XX/XX/XXXX Account Name MEDICAL BUSINESS BUREAU , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted 6 rounds of disputes for inaccuracies on XXXX, XXXX  and transunion. I have not received any results. This started on XX/XX/2020. I have demanded they remove all inaccurate information as this is hurting me financially and emotionally. I have waited 45 days between disputes to allow time for mail delivery and I am not receiving results from these disputes. I have demanded my rights for fair credit reporting.

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 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted 6 rounds of disputes for inaccuracies on experian, XXXX  and XXXX. I have not received any results. This started on XX/XX/2020. I have demanded they remove all inaccurate information as this is hurting me financially and emotionally. I have waited 45 days between disputes to allow time for mail delivery and I am not receiving results from these disputes. I have demanded my rights for fair credit reporting.

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 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: VA

Complaint narrative:
First Citizens Bank, XXXX, NC. did at XXXX XXXX XX/XX/21 institute a system wide protocol change that eliminated security code access VIA email for account holders. This was done with no advance notice and also done with no cause. Furthermore, FC entered into the respective account holders personal profiles ( in violation of FDIC, federal laws, and FCs own policy ) and changed/ removed personal account holder information. We have this documented with before and after screen shots. We also have this verified through FC personnel ( names on file ) who assisted us in re-entering our locked account. 

It would take over 2 days before FC personnel could provide us access back into our accounts. We held 4 accounts at the time with a combined amount of {$2000.00} - {$10000.00} dollars. 

Then, on XX/XX/21 FC did, without cause, elect to close all of our accounts without cause and provided only a 6 day advance notice before the accounts were taken from our control. One of those accounts handled a monthly SS deposit. The SSA requires 60 day notice to change accounts. So currently we are without that SS support for an unknown period of time. These actions are in violation of Title 63.2 and N.C.G.S. 14-159.12.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
My USDA loan is in forbearance. I spoke with the loss mitigation department two days ago. I was told that no online payments would be possible, even though I entered one payment online. I was told that they were awaiting a title to proceed with my loan modification after the COVID forbearance. 

Since then I noticed that my bank account drafted {$1900.00} for the payment they said would not go through. Now my bank account is overdrawn. I still don't have modification details except for the letter from my last complaint dated XX/XX/2021. 

I don't get paid until XX/XX/2021 and have a {$1300.00} negative balance in my bank account from a payment I was told would not process. 

Also, since going into forbearance I've been locked out of most of my online portal with XXXX XXXX XXXX  so for a year had no visibility into my account. Apparently that changed after my first complaint was filed. How many others in deferment is this happening to? Am I the only one who now has access or is everyone in forbearance experiencing this? It's been extremely unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to add a personal statement to my report when I was hung up on 3 times and lied to about the description of my statement. The accounts are unverifiable and I have requested disclosure from XXXX and Experian and the process of the reinvestigation procedure and they are still reporting the account has been verified even tho I contacted the creditors and they cant verify them. This was on XX/XX/2021. I have been sending letters since XXXX 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 2021-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have account with Marcus back. It is a savings account. It has been in good standing. 
Marcus sent me an offer to add {$10000.00} to the account and keep it for 90days. 
I did that. 

My login stopped working so I called Marcus bank they told me that they made a business decision to close my account and no reason was given. No choice was given and no notice was given. 

This bank is a fraud and I have seen this in last 30 years that a back had decided to close your account and forefiet my {$100.00}. 

I am wring to you this but I do not think anything will do done to the monster bank as this is bank control the govt. I hope I am wrong and you go after this bank and fine them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OR

Complaint narrative:
I sent XXXX $ to XXXX XXXX for a secured credit card on XXXX from my Chime account and the XXXX $ was debited that day for the XXXX $ but then when I didnt receive the card from XXXX XXXX  and couldnt get any information from them about it I initiated a dispute through Chimes support portal in the App but the very day I insisted the dispute my card came in the mail from XXXX XXXX so I tried to cancel the dispute process which Chime informed me was not possible to do at that time because the funds were already reversed from XXXX XXXX and that I would have to wait 90 days for the investigation to be done before I could even get a response about it so I asked if I could cancel the dispute in which they told me that they are sending the funds back to the merchant then so now I cant get my money back This all doesnt seem very legal or professional even and for sure cant be proper protocol for Bank procedures I simply want my XXXX $ back its my money and Chime Bank is refusing to give it back to me I have spent hours and hours on the phone with XXXX XXXX who assures me that my money was reversed from Chime Bank and hours on the phone with Chime Bank that says that XXXX XXXX has the funds now and both banks deny having my funds Chime bank refuses to even speak with me about it anymore because they say its not in their hands anymore but it is very much in their hands because its in their investigations teams hands but refuse to talk to me about it because I cancelled the dispute I cancelled the dispute because I got my card from XXXX XXXX and it was fine but Chime went ahead and reversed the charges anyway to make things more difficult for me because I wanted to know where my money was at I am upset very much upset because I just want my money back it is my right and its my money and XXXX $ is a lot of money to me right now I am trying to build some good credit is why I got the secured card in the first place but now Chime wants to give me a hard time because I want to know where my money is and tries to deny having it and tries to deny that they reversed it from XXXX XXXX when they in fact did reverse it and dont want to give it back to me because I am upset about it I have every right to be upset and I have every right to know where my money is at and when I will get it back and they cant even tell me that because they dont know where its at or what happened to it they wont even discuss it with me because they dont know who to transfer me to about it they said they cant help me because they dont know what happen to it and there is no way to track it because I cancelled the dispute this cant be right I want my XXXX $ back its my money and I want it back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SIMM Associates, Inc.
State: IL

Complaint narrative:
I received a letter from Simm Associate 's that stated that I owe XXXX for a XXXX account. i called and spoke to XXXX and explained that i never had a XXXX account. i was told that i would need to either pay or call XXXX but not paying would mean that they would sue me and seize my bank account. I tired to explain that i recently had XXXX for XXXX and have limited funds for bills and can not have my account seized. I was told to either pay or call XXXX there was nothing else that could be done. I called XXXX and they stated that I should talk to Simm associates. I called Simm back and was told by XXXX that I need to either pay the balance or that they can seize the money and report it to my credit. I said that i wanted proof that this was an actual account and was told that they could not provide me that and that they had reviewed the account and it was their belief that the account is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to add a personal statement to my report when I was hung up on 3 times and lied to about the description of my statement. The accounts are unverifiable and I have requested disclosure from Equifax and XXXX and the process of the reinvestigation procedure and they are still reporting the account has been verified even tho I contacted the creditors and they cant verify them. This was on XX/XX/2021. I have been sending letters since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/21 I tried to make a XXXX transaction of {$1200.00} that did was rejected by chase. My online access was blocked until I verified my identity. I verified my identity in the chase mobile app, confirmed I initiated the transaction and was instructed to resubmit. I resubmit the transaction only for the same thing to happen. I contacted Chase customer service and was instructed by the customer service representative to try the transaction again with her on the phone. The transaction was rejected again and my accounted was locked. The rep transferred me to another department. Whole on hold I received a call from someone claiming to be in Chase 's fraud department. He asked some " identity verifying '' transactions but one of them was to give the first, last name and date of birth of one of my relatives. That didn't seem like a question the bank would ask me and I refused to answer. He instructed me to call chase. When I get through to a representative at chase was asked for my debit card number but I have not yet received my debit card. The representative put me on hold only to come back and tell me chase has decided to end the business relationship and not provide an explanation. I asked if I could go into a branch to withdraw my funds and I was told that I would be mailed a check which is ridiculous. I just want to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am a XXXX XXXXr who works at XXXX XXXX in XXXX, OR. Our county received CARES funds to support vulnerable clients in XX/XX/XXXX. These funds were put onto Bank of America Rewards Card and given to certain clients in the amount of {$500.00}. This client is a single mother who speaks XXXX. She has not been able to use the majority of the funds on the card, because the card consistently denies purchases. She has called the Bank of America customer service line several times to try to sort out issues. On XX/XX/XXXX this writer attempted to call Bank of America with the client and the bank refused to provide any information to the card holder with someone else on the line. The four customer services representatives who we spoke with used predatory practices throughout the entire call. They kept transferring our call " to a different department '' or would transfer the call without informing us of the transfer. During one call, the XXXX speaking customer service representative told the card holder to " shut up '' or he would hang up the call. He later transferred the card holder to a supervisor who does not speak XXXX. The balance on the card is now lower than it should be. The card holder has experienced verbal abuse and discrimination by Bank of America 's call center. She needs support in order to utilize the few XXXX dollars so that she can buy food and other essential items for herself and her child who has XXXX. As a professional, I was shocked by the blatant cruelty that came from the customer service representatives and extremely disappointed that an entity as rich as Bank of America uses such predacious tactics to cheat a vulnerable person out of such a small amount of money. This system is unacceptable.

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