vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I was pushed into college right out of high school. I chose a out of state school with a high tuition. I had to take out XXXX a year plus federal loans to go. I was assured that I could make the money back, that it wouldnt take long to pay back. I wanted to quit school but my parents wanted me to finish. After my grace period ended I was hit with a XXXX a month bill from navient. I lived in rural ct with no car. My co-signer didnt want to cover the payment. I got a job at a XXXX making XXXX dollars an hour ... ..I put my loans into deferment and forbearance for as long as I could. There lies the problem. After that I got in an income based repayment plan, but as a house XXXX  I was bringing in XXXX a week. This was still not enough to see payment hit the principal. Ive been out of school for 6 years and feel I will never get out of debt with this company. I should have known it was peoples jobs to try to get me to go to school there, and that the school also tried to overcharge me for something once. I was a victim of coercion because I didnt know any better. I was young and if I knew what I know now, I would never let this happen to anyone- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
I opened my account on XXXX. Not having knowledge That New account opener XXXX XXXX gave me the incorrect account number. I gave this number to my employer and my creditors. So I went to her office and spoke to her about the and she said the problem will be corrected the next day and it's not. So this has cause a great inconvenience for me and a headache. And it has caused a huge headache for me and my creditors. I think something should be done about this bc now I will not be getting my paycheck and all type of fees to my creditors I feel bc of this mistake this company should be held accountable and pay me back for all this suffering.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Grant & Weber
State: CA

Complaint narrative:
Ive contacted the company several times for possible settlement. The person that handles my case is using words like you dont get a reward for bills you didnt want to pay when I attempted to negotiate among other negative comments. The person used foul language and kept on making aggressive comments. I ended my conversation more than twice on the phone with him. 
I called the company and asked for a supervisor several times and was transferred back to him. I once spoke to someone claiming as a supervisor and she said she will listen to the recording of our conversation and call me, but I never got a call. They never transferred my case to another agent despite my complaint against this person. I even make a comment that I am trying to pay the debt and Asked why he was attacking me. 
I was in a bad place in my life and couldnt pay my emergency room bill in the past. Now, I am trying to get rid of my debts and work on my credit. This person not only blocked my efforts to do so, he is unprofessional and used his position to emotionally damage someone that has been through a lot of hurdles. 
His name is XXXX and the company refused to give me his last name. 
I would like to negotiate and pay off my debt, but this person is blocking me to do so. 
Thank you

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 2019-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I have had an XXXX XXXX also called Synchrony Car care credit card that I am struggling to make payments to. I am currently unemployed and looking for work. This happened from XXXX to about XX/XX/XXXX where I was on and off work sporadically having to use my XXXX to help pay for my bills.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: OH

Complaint narrative:
On XX/XX/2019, I applied for a Discover credit card. 

They said to call on the last page or Message them. When I went to Message them, my Internet browser froze. It was odd timing. 

I had to call them. Well, when I called Discover, they declined my application because they said I had a Credit Alert out and I didn't have access to the phone number on file. 

They refused to ask any identification questions like I've always done for all credit cards I've applied for while having a credit alert out. 

I was so angry I was screaming and crying at them. 

They said I had to call the credit monitoring company and have my phone number changed, my fraud alert dropped, and then reapply. 

It would ding my credit score. I'm too smart to do that. That is destruction of a person 's hard work and then lying that they could not work with me and ask identification

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Southern Management systems XXXX XXXX XXXX First reported XX/XX/15 Debt ant {$770.00} I called the above mentioned company and was violated my rights FCRA being advised I must give my contact phone number to speak with an representative before anything could be discussed. I disputed this debt with all 3 major credit bureaus in which one of the bureaus have deleted. The service I received when calling in was very unprofessional and did not allow me to communicate with the debt collector to resolver this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BBVA FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/XXXX I opened an account with BBVA in response to an invitation to apply based upon being preselected for credit. I received my card a few days later and activated the plastic on XX/XX/XXXX. I attempted to use the card the same day via a phone transaction with a heating and air company for {$3000.00}. The transaction was blocked for suspected fraud. Which i'm fine with, thank you for the security. But, it has been XXXX in trying to get them to resolve the block. I have spent way too many hours on the phone waiting on hold only to be told there was nothing they could do. 

In accordance with their request, I provided them copies of my ID, my W2, my paycheck stub and a utility bill ( also on XX/XX/XXXX ). As they suggested i called back, waited on hold for an hour to tell them I sent the requested documents ( at their request ). I made the call and was told it would take 1-2 days and an investigator will review. Well here we are now XXXX and i still have not had a phone call. 

The only reason I opened this credit card was to use it for this one particular transaction, to take advantage of the 0 % promotion and the {$100.00} new account incentive. But, in my attempt to use the card they are now preventing me from taking full advantage of the offer. Simply because they refuse to work my case. I would really appreciate help in getting this resolved.

Also, in todays climate of hacking and fraud, I found it interesting they wanted me to send my personal identifying documents via an unsecured platform for them to do their validation. The representative told me that the mailbox was secured. Uh, how exactly is BBVA securing something sent by me? It's not possible. I think this practice is unethical and contributes to the possibility of peoples identity being stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage contacted us to refinance our loan with them. 

After the original loan was closed and paid-off in their system, they withdrew {$2200.00} as a payment on the paid-off loan from our bank account. After contacting them, to have this reversed ( since the loan was paid-off ) they have refused to return the funds. 

Twice I provided proof ( bank statement & copy of their own online statement showing receipt of funds that are unapplied ) they withdrew the funds. I have called 5 times over the last 4 days and they are refusing to return the funds stating they are 'looking into it ' but don't have proof they received the funds.

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 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I have HSBC Mastercard Credit card. I had already made the automated payment setup from XXXX XXXX account ending in XXXX more than a month back.

Problem with HSBC : They are so weird and strange. Very different from regular/normal banks or credit card Website is so overwhelming or confusing - all the global products and everything in one place that very simple stuff like seeing the credit card statement and making the payment is absolutely impossible. I got the call from them during morning at XXXX XXXX from XXXX who was stating that minimum payment is not done and make the payment. When i asked - i am on website and how to do that ... she stated she doesn't know. When i asked when the automated payment is already setup then why it is not working? She said that XXXX XXXX takes 1-2 billing cycles to go into effect, which would be why you're not seeing it working yet. 

Essentially this company is involved in some massive fraud out here. They are deliberately not providing the very basic service of automated pay and delaying it in order to make the customer miss the payment and thus they will earn hefty fees and charges from the customer for the missed payments for which customer is not at all responsible. 

Please investigate this fraud HSBC and save US customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have been trying to get this matter resolved with PNC since XX/XX/XXXX. {$8200.00} of my funds from my accounts was stolen and the Branch manager refused to help. Some of the employees changed transactions to cover up the theft because my statements are now inconsistent and I sent a package with evidence of the fraudulent transactions created, however no one got back to me. A XXXX XXXX signed for the package on XX/XX/XXXX. The resolution was closing my accounts and refusing to speak to me. I want someone who will actually investigate PNC 's ethical practices. Because I feel they are committing fraud and theft of funds. I want my money ... and justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I applied for a credit union account with XXXX. As part of their approval process, they outsource their approval process to XXXX XXXX. 
I have a transunion credit score of XXXX or EXCELLENT. 
I was rejected the account based on data from XXXX XXXX. XXXX referred me to Chex Systems for more information. I spoke with XXXX XXXX who REFUSED to tell me why my application was rejected. I am XXXX years old. I have several bank accounts, am financially secure and have NEVER been decline for any bank, credit card, etc. I was told I would need to put in a formal request for the reason and it would take 5 BUSINESS DAYS after that submission for XXXX XXXX to MAIL the information to me. This " company '' refuses a strong applicant then won't tell the applicant the reason and MAKE THE APPLICANT WAIT two weeks? This is ridiculous. The government needs to pull their license. They have told the bank to reject me but refuse to tell me why. PLUS there is no legitimate reason to reject me. 
The government needs to stop this company from destroying other citizen 's financial records. 
I asked to speak to a manager and XXXX refused to transfer me. She told me to talk to the credit union. I spoke to the credit union and they have no details as to why I was rejected.

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 2019-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
Starting in XX/XX/2019, I was so far ahead in my monthly payments that I was allowed to stop making payments for a few months. I received a summary of my accounts with this information monthly, with the date of when payments would need to start again. 
So in XXXX and XX/XX/2019, I stopped automatic deduction from my checking account. Each month, I paid a large chunk of money on one specific loan in an effort to pay it off. I successfully paid in full one loan in XXXX, and received a " Paid In Full '' letter in the mail a few days later. My plan was to, each month, make a payment for one specific loan to pay it off, and by the time my paid ahead staus was finished, I should have 3 loans paid off. 
However, on XX/XX/2019, I received correspondence that my loan terms changed, and suddenly I was mandated to make payments again starting this month. When I called for further clarification on XX/XX/2019, the customer service representative informed me that my paid ahead status was canceled PER MY REQUEST. I assured her that I had not made that request ; in fact, I had not spoken to anyone at fedloan in months. The representative shared with me that the important information that should have been documented in my account, such as the identification number of the representative who made such change, was missing. This is alarming to me, that someone at fedloan made changes to my account WITHOUT MY CONSENT. This is the reason for my complaint. 
The representative did submit a request to reinstate my paid ahead status ; however, this will take time to process. In the interim, I have to make the mandated payments for XXXX, and possibly XXXX, and my plan to have 3 loans completely paid off by spring is no more. I am angrier, however, that someone at fedloan made changes to my account WITHOUT MY CONSENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. This is fraud so I have taken the liberty of reporting it to the police as well and FTC. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom mortgage contacted us to refinance our loan. 

At the time of refinancing, we were NEVER provided the required final disclosure statements 3-Days prior. Our closing was on a Monday so I both emailed and called XXXX XXXX of Freedom Mortgage on Wednesday, Thursday and Friday before the closing and advised her we had not received our documents and that I did not know how much we were to bring to the closing. 

I was told to be patient, they were busy and putting in mandatory overtime. I was told I'd likely have it on Saturday afternoon. 

On Sunday I received a call from the company doing the closing. They did not have the information either and would call me on Monday to let me know how much to bring to closing. 

I received a call Monday afternoon on how much to bring to closing, however I still NEVER received my final disclosure documents. 

It wasn't until I was at the closing that my wife and I saw the final amounts, which of course were different than we were originally told.

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 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
We got a letter from PHH loan servicing that as of XX/XX/XXXX, they are no longer accepting payments for our loan. We received this letter late in XXXX. We tried to access the account on the new loan servicers website after we got paid XX/XX/XXXX to make our mortgage payment. We could not access the new website to view our loan. We went to PHH where we were able to access the loan but could not pay it. We called the new mortgage company and were told that they do not have any record of the loan being transferred over & no account number is showing. It is now XX/XX/XXXX and we can not make the mortgage payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. This is fraud so I have taken the liberty of reporting it to the police as well and FTC. XXXX  XXXX, XXXX XXXX, XXXX XXXX and 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 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. This is fraud so I have taken the liberty of reporting it to the police as well and FTC. XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 non-monetary relief
Consumer complaint received 2019-10-04 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/XXXX I filed a bankruptcy it was discharged. 
I continue to receive letters from LVNV Funding LLC ( XXXX XXXX XXXX ) Account # XXXX On XX/XX/XXXX I received another letter- I called XXXX and spoke with a XXXX XXXX who informed me that they just received my letter on XX/XX/XXXX. Informing them I filed a bankruptcy, in XXXX. I was told by Mr. XXXX that the letters crossed in the mail. 
I send them a letter years ago after they contacted me the 1st time regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NY

Complaint narrative:
I received a bill for this medical debt 2 days after it was reported to the credit bureaus. I knew nothing about this I have insurance and was unaware of an outstanding balance. I cant pay a bill I dont know I have

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 2019-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: WV

Complaint narrative:
I received a piece of mail from Discover Financial about a personal loan. At the time my income was low and my credit score was very high. I thought it would be a good idea in my time of struggle when my business wasn't making a ton of money. I called the number on the mail on XX/XX/2019. I talked all the way through the process with a representative who was very nice. When it came down to the end she ask for my tax returns. Unfortunately, I left my corporate job 3 years ago to start my own company and we've reported a loss in our first 2 years of business which reflected on my personal tax return. We could not complete the loan, but I was still issued a hard inquiry. If we would have spoken about my change of income beforehand then we wouldn't have spend over an hour on the phone and I would have never had a hard pull on my credit report.

Company response to consumer: Closed with explanation