vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-21 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: NY

Complaint narrative:
I was on a payment plan with XXXX XXXX and when I went to see what payment options were available for me with navient because of financial difficulties they told me they did n't have any available and I have to pay the full balance. After numerous phone calls and speaking with several representatives and supervisors I was finally told I could do a financial statement and someone would get back to me within 4 business days. I never heard anything back so I contacted them only to be told they did n't make a decision yet. I waited another week and called back only to be told again no decision was made I asked for a supervisor and was told it was sitting on someone 's desk because they were on vacation. I had to call back yet again he next business day only to be told I did not qualify because I made {$15.00} too much and there was nothing more they could do. Now mind you I have a XXXX loan and I have to pay have my car payment a month for it and hats a minimum payment. It 's impossible for me to put anything extra towards it therefore it 's impossible for me to ever get out from under this loan. Also looking at my credit my loan has actually gone up this past year by {$22.00}. And while making my payments on time they still continue to call my co-signer and tell them I do not make my payments while I make them before they are due!! This company is a real piece and should not be in business. Their customer service is horrible and they really need to learn how to work With people, they make it impossible for people to ever pay back their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I solicited the services of a resume writing service in XXXX XXXX. On XXXX XXXX, XXXX I requested a refund after continual delays in process my order for a professionally written resume. On XXXX XXXX, XXXX the company owner finally responded to my third email about my requested refund of which I am entitled as they offered a guarantee and she ( company owner ) stated that XXXX refunds had already been processed and sent me confirmation that they had been - XXXX refund for {$240.00} and XXXX for {$300.00}. Meantime she then submits a ACH from my financial institution in the amount of {$390.00} on XXXX XXXX, XXXX. I certainly did not authorize any additional payment to this woman or this company - I wanted nothing else to do with these people. 

XXXX of the refunds total {$390.00} and I absolutely did not request anything else from this company. I believe it is a fraudulent transaction and I have alerted my financial institution. However, I believe they are operating in an unscrupulous manner and should be subject to discipline.

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 2016-11-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I went to my local branch of the Bank of America to cash in some cashiers checks we had been holding onto. It was {$14000.00}. I am XXXX and my wife is XXXX and that money is all we had, our life savings. I am a XXXX Veteran XXXX and my wife is also XXXX. 
As we went to cash them the bank said to us that they had to hold them for a few minutes while they called someone. We were told to go home as they had n't received the call back from their superiors. The next day we still had heard nothing from them. We went to the bank again the next morning. The manager, XXXX XXXX, continued to tell us he had to speak to someone to ok our transaction, and that everything was ok .... we just had to wait. On XX/XX/2016 he called us and told us our money had gone to the state. He said he had to send it address unknown because they did n't have our address. We 've been banking there for 14 years! 
I called the California State Controller. It is a law that we are to receive a 30 day notice before the bank can take our property. We did not receive 30 day notice from the bank. 
That is my issue. We did not receive proper notice from the Bank of America on XXXX XXXX XXXX XXXX, XXXX, CA.

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 2016-12-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I 'm currently back in school as a XXXX and working a part time. Navient will not postpone my payments and I 've been checking my loans and I feel that they are overcharging by a lot. The amount that owed them is now almost twice and triple the amount my loan was. How did these loans balance increased like that? How is it that the balance owed is now triple the amount of the original loan? 
Below are couples of examples of my loans are looking like right : XXXX Signature Student Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$10000.00} Amount owed : {$26000.00} XXXX Tuition Answer Borrowed : {$15000.00} Amount owed : {$37000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Each and every time I submitted documents for a modification I was repeatedly told that the documents I submitted were lost, missing information or out dated and needed to start the process again with a new application. I was repeatedly told my file was " under review '' to be told a day or week later it was not ready for review. Even with the assistance of an outside foreclosure prevention specialist - I remained on this hamster wheel. I am a XXXX, so I understand the process. I finally was approved for modification trial period upon which I have been locked out of Bank of America 's communication portal. I have called the representative I was told was assigned after my file was sent to the escalation department as a result of a complaint I filed just a month ago. Now, I do not receive call backs from the assigned escalation department and no one is assisting with explaining why or correcting my sudden inability to access the portal, which is stated as being the bank 's " preferred method '' of communication and the only place where I can verify documents that I have sent or received. Can someone please help get Bank of America 's stated protocols and to follow procedures.

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 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I 'm writing this letter in hopes of getting some resolve of my student loan balance. I mailed a letter to former President Obama and current President Trump regarding my extensive balance with Navient/XXXX Loans. I attended XXXX University ( XXXX ) and XXXX University ( XXXX ). My wages were garnished and my debt to income ratio is severely high. I 'm being told that I owe over {$500000.00} in student loans. I cant wrap my mind around such a figure. I 'm a XXXX and I barely make {$XXXX} a year. No one from XXXX or Navient are able to tell me where this balance came from. I 'm currently in a re-payment program where I pay {$80.00} per month. I was told after 10 years, my end balance will be forgiven. I need help in resolving this matter. I can be reached at XXXX for any questions or comments. Thanks for your attention to this matter. 

Sincerely, XXXX Customer/Complainant

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Received a promotional offer to deposit XXXX free miles into my Spirit Airlines account that never materialized despite my opening an account with Spirit Airlines and linking to my XXXX. Never received any additional miles for any purchases for the life of the card. Poor customer service and response time. When I requested to close my account, I was transferred by a rep named XXXX to a woman named XXXX and XXXX told me she could n't assist with that request. Poor customer service is an understatement for this particular credit card company. And false advertising on promotional sign-up benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I fell behind on my student loans due a sudden and unavoidable debt resulting from vehicle repair in XXXX 2015. As a result I fell behind on my loans by 90 days. Up until this point I was paying on-time every single month $ XXXX/month. I began communication with Navient about this and they provided me with little assistance. They told me that the payments must be made. They would not grant me a hardship forbearance, nor would they let me lower my loan payments at all. Now, as a result of this situation they have begun reporting negatively against my credit and also raised my monthly payment on my loans to over $ XXXX/month. I make $ XXXX/year. How can they expect me to make a payment of $ XXXX/month and still support myself? I need to get to work, eat and pay for gas. I could never afford rent or a mortgage with this kind of monthly payment. I have called them nearly a dozen times about this and they will absolutely not work with me in any way. I just do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Additional payments were not applied to the principal balance as indicated on payment. Student loan was not capitalized at the correct time and was capitalized XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
I did not take out the loan, I have contacted them several times and to date nothing even XXXX will not help, I was in jail when the loan was taken out, before jail I was in the hospital having XXXX, i can give county info and hospital info, I cant be in two diffrent places, and last i checked i cant just walk out of XXXX to take a loan out. i have had id theft in past 3 years and that has been on my credit file and yet i never got a call, because at XXXX we cant answer the phone, please look into this, XXXX XXXX and XXXX XXXX XXXX on the dates

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC.
State: CA

Complaint narrative:
We took a cashcall loan for XXXX paid back XXXX and we are now being sued for an additional XXXX, which now the attorney for Cashcall wants XXXX. We are to be in court tomorrow XXXX XXXX XXXX We planned out settling for XXXX if that 's possible making payments for 30 months.. the attorneys for cashcall are ruthless and trying to get us to sign papers for a judgement of XXXX on the XXXX settlement offer if we do n't pay.. I refused to sign it.. I 'm in California so I 'm not sure if we have any rights..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA

Complaint narrative:
Citi settlement agreement in the amount of {$3400.00}. CitiFinancial withdraw from my XXXX checking acct of {$3000.00} on XXXX/XXXX/XXXX with the understanding that Citi would withdraw {$160.00} for 3 months to pay remaining balance of XXXX. They withdrew the first payment of {$160.00} from my XXXX acct on XXXX/XXXX/XXXX. I received a refund check from Citi on XXXX/XXXX/XXXX stating in the memo that the acct was paid out. XXXX XXXX contacted me from Citi in regards to this acct and I faxed her all my documents and I did n't hear from Citi financial anymore. All of a sudden I began receiving phone calls from XXXX XXXX ( OneMain Financial Collection Agent ) and I explained my case and submitted the same documents and heard nothing from OneMain. OneMain then sold the acct to another collections agency by the name of XXXX XXXX which was requesting that I pay the full amount of {$3400.00}. I submitted the same documents to XXXX ( XXXX XXXX agent on XXXX/XXXX/XXXX ). I then contacted CitiFinancial to obtain a refund of the money that was withdrawn ( {$3000.00} ) from my XXXX acct and they indicated that they had no information in their system in regards to my acct or any money paid to settle this debt. I have tried on multiple occasions to resolve this issue and everytime I submit my documents.. the acct is then sold to another agency. CitiFinancial refuse to refund the money I paid them neither acknowledge the fact that I paid the acct was paid out ( stated in the refund check from Citi Financial on XXXX/XXXX/XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation
State: WV

Complaint narrative:
I have a a unverified account from PENN CREDIT CORP # XXXX. I had previously disputed this account. I have never done business with PENN CREDIT CORP. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I recently received a copy of my credit report ( XXXX and XXXX ) and after reviewing it I found questionable items listed by National Credit Systems. In the past, I have asked that National Credit Systems send me copies of the documents that they have in their files that are used to verify the accuracy of the accounts listed ( XXXX ). No one has ever answered my request. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that National Credit Systems disclose to me all of the documents that they have in their possession that is concerning the accounts that are being reported in my credit report. Instead of providing me with the documentation, National Credit Systems insists that the account has been verified. However, the company continues to fail to provide me with this very documentation. 
If there is no documentation in your files to verify the accuracy of the account XXXX, then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, National Credit Systems is damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that is on file for the account listed, then said account must be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was evicted from my aprtment complex due to my rent going up and me not being able to afford it. I was getting assistance from XXXX company so that I could pay a portion of my rent. My apartments filed against me stating that I owed an amount of about XXXX. I was taken to court and there I filed a paper affadavit since I wasnt able to afford to pay that much. I was told to pay to the clerks office a set amt each time so that I could eventually pay off the debt. Each time that I made a payment I would get a receipt. When the time had come for my final hearing in court, my apartments stated that they sent me a letter and even called me to inform me of the court date. I received the letter of notification in the mail weeks later. I was eventually put out of my apartment and had to move in with my parents. Shortly after this I was contacted by National Credit Systems and was informed of my debt to my apartments. I was totaling over XXXX. I started on a payment plan with the company for {$50.00} a month. Everything was going smoothly until I was charged XXXX one month. I spoke to a supervisor and it was straightened out. I continued to make payments of {$50.00} a month. They were taking out my payments on different days which was n't discussed with me. I was charged XXXX again for {$50.00} and told them that I did n't want to be on monthly billing anymore. I was charged every third and fourth Thursday or at least that when I was supposed to be charged. I started to make payments on my own and got my balance down to just a little over XXXX the balance was XXXX to be exact. I was going to make a payment of {$300.00} around XXXX. They stated that my balance was XXXX. I asked XXXX which is the person that handle my acct. She stated that there were fees added from XXXX. I wanted more clarification on this matter and spoke to her supervisor. she stated that she would do more research and call me back. She didnt return my call. I called back 2 days later and was told that my balance was XXXX. I asked again why the balance was different and was argued with. I am trying to be an honest customer and pay my debt but I refuse to do so if a company wo n't clarify why the amt of the debt increased. I hope that this complaint is researched and I receive a follow up for it very soon. Thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Account terms and changes — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
Springleaf Financial Services placed several inquiries on my credit report as a result of someone submitting an application, using my personal information, without my consent. The dates of these inquiries are : XXXX XXXX, 2015 XXXX XXXX, 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MO

Complaint narrative:
Today ( XXXX/XXXX/2016 ) My car was repossessed by the loan agency Springleaf Financial after I 've been making payments to them. When I called their corporate office, they kept giving me the run around on things and seemed to not be able to get their own story straight. I am currently XXXX weeks XXXX, I was laid off for 3 months from my old employer after they had found out I was XXXX. I recently was able to get income generated and I explained that to springleaf, they were very inconsiderate, I knew i was behind on payments but I have been doing my best to catch up on my payment, going in to my local office to make payments on weekly basis with whatever money i had even if that meant me not being able to eat for the rest of the week. Everytime I step into the local branch office where I live, the associates are extremely rude and are usually out back smoking and not even at their desks. Springleaf has told me i can only pay cash and I 'm now beginning to wonder if they have been pocketing my hard earned money. I have been told that if I have been paying them money that they should not have been able to repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
I took out an unsecured loan in XXXX at One Main Financial previously XXXX XXXX. In XXXX I refinanced loan. The principal on the account was {$7900.00}. I have been paying on the loan for 5 years and they say that I still owe {$7200.00}. They are now threatening to turn the account over to their legal department andI have my wages garnished because we are 2 months behind due to my hours at work being cut by half. To date we have payed close to over {$11000.00} on this loan, it should be payed off or almost paid in full by now. We have been making payments of $ XXXX/month for the life of the loan. When we asked for help, for one month they wanted to refinance the whole loan again and wanted the title to my car and I declined that offer. That ris when they threatened to garnish my wages. Also I have noticed that when I make the payment, they hold the check and run it thru the bank after the due date so that they can charge me a late fee and add interest. This seems to me that there is something that needs to be done. I am not saying that I do not owe money, but I know that I do not owe them over {$7000.00}.

Company response to consumer: Closed with non-monetary relief