vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
This started when my bank account was frozen on XX/XX/XXXX. I contacted XXXX XXXX and they told me to call the SUPERIOR COURT OF NEW JERSEY to get more info. They gave me contact info for Pressler and Pressler LLP. After speaking to Pressler and Pressler LLP directly, they informed me of an alleged dept that I owed since XX/XX/XXXX. And not to mention I have never seen this negative item on any credit report I ever had. The amount of alleged dept is {$1200.00} plus an additional {$410.00} in interest and {$100.00} in court cost along with a {$170.00} court officer fee. So the balance of the whole claim is XXXX. I also found out that there was a judgement placed on me without ever knowing that I was being sued. There are countless complaints of this company winning default judgments without ever notifying the consumer of any dept. And lawsuits filed and won in regards to unlawful business practices. If I would have recieved written notification about this matter 17 years ago I definitly would have been in court to present my case that the dept was not mine. I also filed paper work regarding that I was DEFINITELY a Identity Theft victim. So far to this date the company has not reported results from any investigation. This Company is in violation of Section 623 of the Fair Credit Reporting Act. No copies of : *Account applications made on paper, online, or by telephone *Account statements or invoices *Records of payment or charge slips *Delivery adresses associated with the account *Records of phone numbers used to activate or access the account *Signatures on applications and accounts *Investigator Report This company also never sent any correspondence regarding : *Informing business where the account was opened that the dept is the result of ID theft *Stopping collection activities against me *Any records I requested. 
With this current violation I 'm forced to file a complaint with the FEDERAL TRADE COMMISSION. So let this letter be a NOTICE TO FILE COMPLIANT WITH FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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 called NAVIENT regarding the two account ( s ) on which I am co-signer in XX/XX/XXXX. On two occasions I was given different information regarding accrued interest fees and late fees. I made a payment and was advised that all accounts were " up to date '', only to learn that there were still outstanding late fees. This impacts my ability to keep the loans " in good standing '' for other re-payment programs. 
Also, I was deceived into thinking that my daughter would receive a lower interest rate on her loans if I called and updated my personal and financial information. It became clear to me that NAVIENT simply wanted my updated information so that garnishing wages could take place for both me and my daughter, if necessary Customer service made no attempt to reduce her interest rate. 
Our interest rates are " variable '', but there have never been any adjustments in lowering them when the federal interest rates were lowered over the past 7 years. 
Finally, my daughter is now in " interest only '' payments which still allows the high interest rates on the loans to grow exponentially. Her loans have doubled since she took them out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: OH

Complaint narrative:
XX/X/2016 After repeated calls I asked the manager of XXXX XXXX XXXX to not call my work and gave my personal cell phone number. Reminded them that the fair trade commission established the fair debt collection practices act and under this act it states that after I have given them a oral warning not to call my work its consider harassment and if they continue to call my work I can seek legal pursuit after them.I have now documented and my front office has documented several times they have been calling my work number. They do n't seem to understand and continue to harass me and now I might lose my job because of it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XX/X/2016 After repeated calls I asked the manager of XXXX XXXX XXXX to not call my work and gave my personal cell phone number. Reminded them that the fair trade commission established the fair debt collection practices act and under this act it states that after I have given them a oral warning not to call my work its consider harassment and if they continue to call my work I can seek legal pursuit after them.I have now documented and my front office has documented several times they have been calling my work number. They do n't seem to understand and continue to harass me and now I might lose my job because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was told by a bank manager when i went to open a new bank account that my credit was flagged for fraud. So for some reason I ca n't even get a bank account. I do not know where this is coming from nor do I have knowledge of how it occurred and after requests still have not received a copy of my credit report with it on there. ive been working for over a year to repair what damage a younger me had done to it. So please what steps can be taken to remove any such marks off my report

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 2018-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
on XX/XX/XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX placed a collection on my credit in the amount of {$2300.00} at the time i had insurance so i had no idea of the bill untill XX/XX/XXXX when i was in the process of reparing my credit. XXXX  removed it and placed it back on my credit without notifying me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: IQOR US INC
State: NY

Complaint narrative:
Calls received multiple times daily from XXXX from Allied Interstate LLC claim8my to be collecting on a debit for XXXX, caller is from XXXX. This debut was discharged in bankruptcy chapter XXXX XXXX XXXX 2016. I provided this information to XXXX, on other collection company for XXXX and now these people in XXXX. My lawyer also sent them a letter to stop collection. But they wo n't stop call my phone and husbands phone multiple times a day! Please stop this harassment!

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 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing you because i reach out to trans union about being an victim of the inquires issues. They told me they will not remove the inquires off my credit. I asked to speak to an supervisor. I was hung up on twice and they told me they will not remove the items. I explained to them that I will reach out to Consumer Finance website and do an complaint. I was told OK that is fine i am not able to do anything. I spoke with three different representative who was not willing to help me. I was told this will sit on my credit for two years. I am not happy with this. I am in the process of buying an house and i do not need anything affecting my credit that i did not apply for. 
I am going to do an list of the inquires for you. 
1. XXXX XX/XX/XXXX i did not apply for this or recognize this. 
2. XXXX XXXX XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXXXX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX and XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13 XXXX  XXXXXX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/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 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I attended a XXXX XXXX XXXX promotional event in early XXXX of this year ( 2017 ). I did not choose to become a time share owner during the event, but I did sign up for a loyalty rewards program in correlation with American Express. It seems that the onsite personnel who sign you up for the XXXX Rewards Program card are XXXX employees and are not provided proper training on the actual features of the card. I believe that I was misled concerning several features of the Rewards Program card. First, the XXXX employee mentioned that by signing up for the card, I would receive " Gold '' status with XXXX ; however, I found out after signing up that this is only true for certain cards that have an annual fee and only applies to my card if I spend {$20000.00} in a calendar year. I was also led to believe that this card would not have any foreign transaction fees. I recently took a trip to XXXX and purposely used the card assuming that no foreign transaction fees would be charged. To the contrary, I was charged many fees adding up to {$22.00} or so. I called American Express to discuss this and, again, this turns out to only be a feature of certain Rewards program cards that have an annual fee associated with them and not for my particular card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I assumed the mortgage from XXXX XXXX XXXX. I have made the payments of {$570.00} there after the assumption of mortgage. I realize the the interest rate is 10 %. The Mortgage was thru XXXX XXXX XXXX XXXX then thru Citi financial and then transfered to XXXX XXXX XXXX. I have some documents dating back to where the payments were going straight to interest and payments going straight to principle. The mortgage was for payments of {$570.00}, and would have expired on XX/XX/XXXX, from XXXX XXXX XXXX XXXX. Citi Financial has taken some action to resolve the interest rate problem from XX/XX/XXXX until XX/XX/XXXX and transferred the correction to XXXX XXXX with interest 10 % and a balance of {$3400.00} due at the time of transfer. Which XXXX XXXX has not done so correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I filed an complaint against this company in XXXX XXXX. The company agreed to cancel the referenced account and remove it from my credit. It has been reapplied to my credit report again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Purchased my home in XX/XX/XXXX with XXXX XXXX XXXX XXXX who sold my mortgage to PNC. Previously worked as a XXXX and paid all my mortgages on time. I lost that job and accepted another job as as XXXX which did not pay as much. Contacted PNC who informed me that I should not pay for 3 months to qualify for a homeowner modification. I was given a trial period of 3 months and I paid for the 3 months prior to them approving the modification. I paid the modification for several years ( XXXX ) when suddenly PNC decided to return all my mortgage che is ( after mine had been cashed ). I did not cash any of their checks that have been returned and they have stacked up to XXXX. They have since sent me a letter they are going to foreclose on the home and I have decided to file bankruptcy to protect myself against PNC which has since ruined my credit. I have since receive a letter from PNC stating they are going to court to sell the house on XX/XX/XXXX and I have now decided to join a class action lawsuit as I have paid thousands of dollars in attorney fees and no results from local attorney General and courts. Updated on XX/XX/XXXX : This is a follow up from my prior complaint regarding PNC mortgage. PNC foreclosed on my prior account while I was paying my mortgage and has handed my home over for renting to a company out of Utah called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Buyers beware. Do not take out a mortgage with PNC mortgage!!! If you have been ripped off the way I have and not obtaining local help from your local courts and politicians seek class action! This ca n't be legal. Updated XX/XX/XXXX : PNC left me homeless for the holidays and for the XXXX XXXX. This complaint is also posted at Consumer Affairs but is now being censored but the public has the right to know the truth about such unlawful acts and individuals who think the law does not apply to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: NY

Complaint narrative:
Navient calls me at all hours of the morning starting before XXXX. I have ELEVEN calls to my cell phone before XXXX. This is Harassment! I have put in a request to consolidate my loans that has been received by them as confirmed by email and they continue to harass me constantly. The calls before XXXX are absolute harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: GA

Complaint narrative:
robo calling and asking for XXXX XXXX however keep me on hold then hang up. 

I have not business relations with XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I sold ( in trading ) my litecoin. XXXX is the transaction number. It shows as " completed '' " done '' and yet the money does not show up for more trading in My USD account or anywhere for that matter. Therefore I have not been able to buy or sell anymore with those funds. It was not a large amount because I was being careful and not to trust right off the bat and I 'm glad so far I have n't. I understand " slow '' but it is stated that these trades are instantaneously done. If they are gon na steal peoples money,, I want to be one to speak out to same others from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I leased a new XXXX XXXX from General Motors Financial Company , Inc. ( " GM Financial '' ), and they are continuing to deduct lease payments from my bank account even though, due to an accident, my car was declared a total loss and the lease was terminated. 

I leased my XXXX XXXX from GM Financial in XXXX. On XXXX XXXX, XXXX, I was in an accident. We notified our auto insurance carrier and our XXXX dealership of the accident that day, and GM Financial early the following week. My insurance company inspected the car on XXXX XXXX, XXXX, and declared it a total loss the same day. That same day, XXXX XXXX, XXXX, my wife again spoke with GM Financial. GM Financial knew about the accident, had spoken with my auto insurance company, and already were in the process of working with their gap insurance company to cover any portion of the resulting loss that would not be covered by my insurance carrier. 

Also on XXXX XXXX, XXXX, during that same phone call, GM Financial told my wife that we were responsible for the lease payment for XXXX XXXX because our auto insurance company declared a total loss after that payment already had been scheduled with my bank ( which we said was fine ). We were told there would be no additional lease payments. 

On XXXX XXXX, XXXX, GM Financial - without authorization - deducted another lease payment from my bank account. I attempted to contact GM Financial by phone on XXXX XXXX, XXXX to resolve this issue. They have a recording saying that due to a system upgrade it is impossible to speak with a customer service representative until XXXX XXXX, XXXX. I was unable to speak with a person or access my account electronically. On XXXX XXXX, XXXX, I also sent GM Financial private XXXX messages - their suggested message for contacting them until XXXX XXXX, XXXX - including a description of the problem, my name, my address, the date of the unauthorized payment, the exact amount of the unauthorized payment, and the last four digits of my social security number. On Monday, XXXX XXXX, XXXX, I received a response telling me that " we are unable to review your account. '' GM Financial has yet to resolve the situation or even contact me to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I deposited a check drawn on the same bank into the ATM checking account XX/XX/XXXX. The bank gave me none of the money for immediate use. Now it is XX/XX/XXXX XXXX XXXX and they have still not credited my account. Even though if I physically still had the check, I could walk it right down to the bank and cash or deposit it and get full use of it right this second. So my money right now is lost in the banking system and I have no access to it. What good is the ATM for making deposits if it just going to make it more difficult to gain access to my money. Somethings wrong with this and I have not had any food to eat for over 24 hrs because I ca n't get my money. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Today XXXX/XXXX/XXXX, I went online to make a store credit card payment to Walmart. On my paper bill it said go to Walmart.com/credit. I went to the website and it was very difficult to find the link to make a payment. There was a huge advertisement to get a credit card. The link to make a payment was found located very discretely at the bottom of the page. It was difficult to get to the bottom of the page due to the fact the advertisement to apply for a credit card was so huge, as soon as you click the area in error it brings you to a page to apply for a credit card. After registering, I was able to make a payment. I chose the option to pay with a debit card. After giving my debit card information and clicking submit, it did not confirm my payment was made. It did not give a reference number or any expectations. I go back to research and it does not reflect my payment was made. It will allow you to make another payment despite the fact that you just made a payment. I checked my bank account and the amount was taken from my account. I contacted online customer service and explained what happened. The respond that it will take XXXX hours to reflect a payment was made. My concern is that this website was very misleading and should reflect and confirm when your payment has been made. There was no disclosure of what to expect after making my payment. I want to mention I did contact my bank and customer service first before trying to submit another payment, my concern is for those who would have not thought to do that. The website comes off as secretly taking advantage of consumers.

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 2018-01-02 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am having a major problem with Navient. I have been faithfully paying and paying extra on my student loans, yet the balance is not going down as it should. Navient keeps mis-applying my payments and making interest-only payments on some of my loans. I have contacted Navient a number of times and have asked for managers/escalation, but they always tell me there is nothing they can do about past allocations, that they can fix it for the future, and we go over how to allocate my payment, then they do it wrong again. 

In XX/XX/XXXX I paid {$16000.00} on my loans. When the year began I had $ XXXX in debt and now my balance is still {$30000.00}. I have paid extra and watched the balance creep down to below $ XXXX and then, even though I am still over-paying - creep back up to above it. There is no one at Navient who can explain this to me! 

On XX/XX/XXXX the balance on one of my four loans was {$14000.00} and XX/XX/XXXX it 's {$14000.00}. I paid {$2800.00} in interest and {$340.00} principal this year. That makes NO sense whatsoever. The interest rate on this loan is 4.625 %. No one at Navient can explain this or help me with this.

Company response to consumer: Closed with explanation