vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This collection agency has no surety bond in the state of Texas.They are illegally attempting to collect from me.They refused to take it off my credit report.Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402-.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice. 

Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. If you notify the secretary of state, this office will notify the third-party debt collector or credit bureau of the bond filing requirement and, if necessary, refer the matter to the attorney general for investigation. Please report the names of any third-party debt collectors and credit bureaus that do not have bonds on file to : Registrations Unit Statutory Documents Section Office of the Secretary of State XXXX XXXX. XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX I have filed a report.I hope you will take action.Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
Southwest Credit Systems has been contacting me stating there is a XXXX Internet/Cable bill that I owe in Georgia. I have never lived in Georgia but someone used my SSN to enroll in a XXXX contract ACCT # XXXX for {$550.00} & I was told the contract was signed XXXX. SCS has sent me a Identification Theft Affidavit requesting my SSN, drivers lic #, auto ins policy #, life ins policy # & birth certificate yet all the paperwork states " DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENCY '' on the bottom of all pages. I have contacted XXXX & this acct # is under my name & SSN but the refuse to give me copies of a contract the was signed or any of the billing statements. They are threatening to send me to collections & ruin my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-26 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: SC

Complaint narrative:
I have a loan with North American Title Loans in XXXX SC. At the beginning when I applied for the loan all of my proof of income was an initial determination of XXXX benefits, I had yet to receive the amount of XXXX weekly. North American stated I didnt have enough income to get the XXXX loan i applied for so I would need to add my spouse for her income as well. My spouse was not added as a co-signer only listed her income which i didnt have proof of. The company gave me the loan off of this information knowing I did not have the financial ability to pay this back. On XXXX after I tried to make several unsuccessful arrangements to keep the vehicle they repossessed it causing a strain on my ability to attend my newly found job. The lack of respect for dent to income ration, the deceptive income listed as well as the payoff balances changing daily needs to be investigated. This branch of this company charges XXXX % and has no respect for the customers ability to repay by income. The right to cure process is also questionable as I requested one to which they said they sent but they sent it to the wrong address as the manager listed a complptely different address than i supplied for proof, they stated they sent another but i never received it as well. I feel this company should return my vehicle as the contract is unenforceable as well as stop interest on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I did not request or approve to Huntington Bank looking into me for a credit card or auto loan. remove their poor actuation from my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
This company added to credit report XXXX/XXXX/2016 and shows placed for collection on XXXX/XXXX/16. I have also never heard from this company and when I tried to contact them I have not heard anything back. I have never received any correspondent from this company to know I had a debt with them. I filed bankruptcy with XXXX and not this debt collector because I did not know anything about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: VA

Complaint narrative:
I Took a loan {$1200.00} from Moneymax title loans and after my car got some problems that need to be fixed called them to let them know that the car need to be fixed so want to see if we can have settlement. they refused and told me that they will settled for {$1300.00}. That is not a settlement in anyway since the amount we are talking about is {$1200.00}. So when I realized that they have no intention of settling I told them okay you can take the car let me know when you want to and they refused to let me know. They just show and took the cars with my valueable in its. Now they are telling me to walk over XXXX miles distance to retrieve my valuable. I told them I do not have a car because you took the car in the first place. you should have told me what time you were coming so I could have take everything out of my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I initiated a bank to bank transfer into my Huntington Bank Checking account from my XXXX XXXX XXXX account for {$15000.00}. On XX/XX/2017, Huntington Bank rejected the transfer because my Credit Union account has my middle initial on it and my Huntington account does not. I was told by Huntington Bank that this happens all the time. The funds were pulled from my Credit Union to Huntington Bank in less than 24 hours. Huntington Bank tells me they rejected the transfer but will not return the funds for 3 business days while the transfer is being investigated. Huntington Bank is holding my transferred funds while not making the funds available to me. I spoke with CSR XXXX and supervisor XXXX on XX/XX/2017 and both explained that there is nothing they can do to assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I have communicated with SWC XXXX several times via email and fax regarding XXXX frivolous account that was placed on my credit report. I told them that I do not owe this balance and provided a receipt from XXXX, which state that the balance is {$0.00}. 
I request the account be remove from my credit report effective immediately and they fail to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXX provided cable service to my sons address in XXXX. Whereas I live in XXXX. My son went online and used my personal information to obtain service without my approval.. XXXX failed to validate the online application and the identity ( ID ) for service. XXXX sent me to a collection agency SW Credit Systems L.P. for collection {$440.00} and reported the following on my personal credit profile. I filed and provided an Identity Theft Victims Complaint and Affidavit form and provided them proof on my residence in XXXX during the period and with XXXX additional forms ( bills ) to support my occupancy address. XXXX will not release the following ... I have my cell phone and cable service in XXXX with XXXX for the several years. They truly know I never obtained services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
STATEMENT : Predatory Lending XXXX XXXX, XXXX, my husband and I were saved from foreclosure by XXXX XXXX XXXX XXXX in XXXX XXXX, CA, XXXX a fraudulent loan modification firm signed contract XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CA - paid them borrowed family funds of {$4000.00} but found out 8 months later, they did not submit our docs and it led to XXXX/XXXX/XXXX BofA default and foreclosure notice ). We were pressed to take the BofA loan modification ( only had XXXX to sign, have notarized and return to BofA or forfeit the loan ), even though we explained to XXXX XXXX XXXX law firm that we could not sustain the mortgage payment of {$2400.00}, XXXX XXXX XXXX advised us to take the modification and try to pay for 3 months and then go to BofA and ask for a re-structuring of the loan. Then after struggling for 4 months, asked BofA for a loan re-structuring - we were sent more forms to fill out - thus after sending in Bank XXXX and finally his doctor 's letter for my veteran husband who was very ill in XXXX XXXX, and we could not pay anymore, we could not borrow anymore but BofA modification promises of re-structuring continued until XXXX XXXX, XXXX. 
My husband died XXXX/XXXX/XXXX and was buried with honors in the XXXX XXXX cemetery, XXXX, CA XXXX XXXX, XXXX. I have the Deed of Trust in my name - but not being familiar with how to handle the bank when you are widowed, I asked for help from a referral and now a dear friend who is a Para-legal over 30 years - who filled out the paperwork for my complaint to Washington DOJ ( received XXXX/XXXX/XXXX ). Why? because after he looked over our refinance XXXX by Countrywide/MERS - then taken over by Bank, said that we had a good case, also bank did not want to talk to me until I had Letters of Administration, which after getting a Probate hearing XXXX/XXXX/XXXX, the judge said that I had the Inter-Spousal Deed of Trust in my name ( the loan is in my husband 's name ), I got a probate attorney to send a letter XXXX/XXXX/XXXX to BofA stating that since I have legal title to the property - does not need to probate my husband 's estate. Bank 's response was : " put attorney on as my authorized XXXX XXXX loan representative '', ( I sent a XXXX of XXXX to bank XXXX/XXXX/XXXX ), bank responded " that since my situation has changed, they have closed the loan modification process on the modification loan. '' XXXX XXXX, I have registered with HUD office who sent a my bank package and are now reviewing the file and my assigned rep said review takes 30 days. I do not qualify for any modifications and after the pain & suffering - wonder what new ideas the bank will come up with. I would welcome your advice. I have researched lawyers and have been turned down by XXXX pro-bono attorneys, and XXXX local attorneys - why? No experience in predatory mortgage lending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXandXXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXALL the parties above, Have all committed Fraud by not giving to me the correct " notice '' that XXXX XXXX is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I currently have {$130000.00} of student loan debt with Navient. I have been working with the company since graduating in XXXX when they were still XXXX. I have had numerous interactions with Navient in regards to my debt. 

XX/XX/XXXX : I started my graduate program and the I called the company to discuss options during my 2 year degree. I was lead to believe deferring the loans would be in my best interest not realizing or it being explained that accrued interest would continue to compile during this time. At that point my loans were just under {$100000.00}. 

XX/XX/XXXX : Soon after graduating in XX/XX/XXXX my new loan amount was just shy of {$140000.00}. I lost my job in XX/XX/XXXX and called Navient to help with alternative options for repayment during this process. I told them I did not want to go into foreberance and would still like to keep paying the loan as to not accrue interest as what happened during my graduate program. They instead told me my only option would be an interst only payment plan, which honestly did not lower the payment by so much but unsure how long I would be unemployed I went with the option. 

XX/XX/XXXX : I called Navient to remove me from the interst only payment plan. This was obviously not followed because XXXX I am still enrolled in interest only payments. I called Navient a total of 4 times about this issue. 

XX/XX/XXXX : I called Navient in regards to the Interest Rate Reduction program. After running my credit and getting my monthly expense and income they said I do not qualify because I can afford the payments. To pay over 10 % in interest with a good credit score just because you can pay it is ridiculous i explained to Navient. They said you can only qualify if you are in hardship. Yet this was not offered to me after losing my job back in XX/XX/XXXX. And now that i have above par credit with a good job they feel entitled to charge outrageous rates because they feel I can afford it. 

Navient is sorely about money and not about getting the consumer a fair deal and fighting chance to pay back their loans. Understood there should be compensation to the lender for giving me the opportunity to get an education, however ; the extent Navient goes to drain every dollar conceivable out of the consumer is unfair and should not be when all the consumer wants is an education. I understand CFPB is currently suing Navient for unfair practices and I hope that the successful win for the CFPB will lead to some compensation for the consumer for these unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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: OH

Complaint narrative:
Back in XXXX I co-signed for my daughter to obtain a student loan for XXXX school. The original loan was for XXXX. Today it was brought to our attention that she still owes XXXX on a XXXX loan that she has been paying off for the past 9 years. I spoke to an agent at Navient and they say the loan will be paid off in XXXX. Now that is 17 years of paying XXXX per month, which she has been doing for thee past 9 years. According to our calculations, we are paying XXXX in interest on a loan that was initially XXXX ' I went round and round with these people and they disgust me the way they are ripping us off. What can be done, if anything, to resolve this matter? Is n't it illegal for a company to charge that much interest? The interest rate on the said loan is 9.25.This means that we will be paying XXXX for borrowing XXXX. The school that she attended was The Ohio XXXX XXXX XXXX XXXX. The original loan was through XXXX XXXX and when they closed Naviant took the loan over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In XXXX, we needed to put our son in XXXX school to help him XXXX, and could not afford the lump sum at the time. To still be able to give him what he needed, we took out a student loan from XXXX XXXX, of only {$3800.00}. We have made payments of between approximately {$42.00} and {$48.00} per month, as directed by XXXX XXXX, for over 7 years to this date, XXXX XXXX, but the loan payoff had only reduced to {$3300.00} - by merely {$500.00} - over the course of 7 years. The payoff date shows as being in XXXX. 
When we got this loan, we had no idea that it would be so unbelievably onerous. It was with XXXX XXXX, who in fact had our federal loan, which was so easy to manage. This is horrible - the interest rate is 10 %, but this feels like it is worse, from the standpoint of how long they are taking to pay off such a small loan, than even high interest credit cards - if not similar. How is there any reasonable way that over seven years of payment sof close to {$50.00} per month result in a loan principle reduction {$500.00}? That is truly unbelievable, and completely immoral. We were in no way clearly told that the loan was essentially being structured like a front-loaded 15-year mortgage, vs. a basic, standard, simple interest loan. XXXX XXXX has offered no recourse or alternative other than paying off the loan in full, and has been completely uncooperative in looking at any way to structure the loan in any way that could be seen as reasonable. 

This is a {$3300.00} loan - there is no justification to structure a {$3300.00} loan like a 15 year mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have called customer service trying to get a matter resolved. I have made 4 calls. The first call I was on line 45+ minutes and got someone and they transferred me. I waited for at least 20 minutes and did n't hear from anyone and hungup. Next, I called back. Another 45+ minutes to get matter resolved. No answer. Called again and about 40-50 minutes I got someone. They apparently were over worked and as they were not good to work with at the time. I am on the phone again today, I received someone on the phone in 33 minutes. They put me on hold again and I have been another 25 minutes and still no one back on the line. This is such a poorly run credit service. Please find out what the heck is going on. 
A very disappointed Customer. 
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 2016-09-07 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: MO

Complaint narrative:
I sent in XXXX checks ( {$6200.00}, {$4100.00}, {$4400.00} ) to payoff my student loans that I had taken out for my sons college education. The checks were sent in on XXXX XXXX. As of today, XXXX XXXX, the checks have not been posted. I have been told I sent the checks to the wrong address. I also have been told the checks were cashed already, but the money has not been credited to my account. I believe the accounts should be paid off with an effective date of when the money was received and I should not accrue an additional interest. 
I included a letter which stated if there was a problem and/or question to contact me at my email address or cell phone.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
When I was laid off in 2013 I went on Federal and State Unemployment. When I called Navient and told them I had lost my job, I was told that it was not a problem and that while I am receiving unemployment benefits that my loans could go into deferment. I thought that was extremely helpful at the time, and I was unaware that i would spend the next year or after making Capital Interest payments. Example - Loan XXXX original amount {$5000.00}, Current payoff for Loan XXXX = {$6700.00}. Even still the majority of my monthly payment is absorbed by interest. In addition to this complaint, I would also like to add that my XXXX student loans, where I make 1 automated payment monthly, currently reports to the credit bureaus as XXXX accounts with late payment history from 2013 directly before I went on deferment. XXXX negative accounts is an excessive and unfair derogatory report which affects current interest rates and rates I will be approved for in the future.

Company response to consumer: Closed with explanation