vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-20 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: MS

Complaint narrative:
When I was in college I had to take out a couple of student loans to be able to pay for school. When I got to the repayment I struggled a lot because I wasn't able to find a decent job to afford the payments for the loans. I called several times and the only options that I was given was to do forbearance or deferment. I have several of those in trying to figure out through the years how to repay this money. It wasn't till about 3 years ago that I was offered the income based repayment option. If I had of been offered this the first time I called I would be close to having the loans forgiven. Now I have to continue the plan till they tell me otherwise. Still stuck with them on my credit even though I can't afford them and not given any reason as to why it wasn't offered to me before then. Any assistance with this issue would be greatly appreciated! I just want the WORST decisions of my life to stop holding me back because I can't afford them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
This problem is with TD Bank. They advertised that I would receive a {$300.00} promotion bonus for doing direct deposits of {$2500.00} in the first 60 days which was done. I opened the bank account on XX/XX/XXXX. The qualifying direct deposits were completed on XX/XX/XXXX. 

The transaction types were described in their statements as DIRECTDEP. Now TD Bank claims that these do not classify claiming that they were bank transfers. I think TD Bank is not honoring its advertisement promises. 

Please make sure that TD Bank honors its commitments and that other customers are not ripped off. 

Thanks XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: OH

Complaint narrative:
On numerous dates, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX has contacted the a place of business after expressly advising personal calls could not be received. Employee, XXXX, called at least five times back to back on XX/XX/2018, even going as far to call private to try and gain access to employee. This is unacceptable and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bryant, Hodge & Associates LLC
State: FL

Complaint narrative:
This number continues to call me at work - 3 times in a row on Thursday XX/XX/16. I told them this was my place of business and asked them to stop calling. The women on the phone stated **I WILL NOT STOP CALLING YOU** The phone # is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
On or about XX/XX/18 I make a cease and decease letter to XXXX XXXX , XXXX Assignee of Santander Consumer USA , INC and to Santander Consumer USA, INC in the amount of XXXX. on XX/XX/18 a letter was drafted by XXXX XXXX XXXX XXXX XXXX. This letter was drafted after I mailed them both a cease and deceased letter explaining to them not to contact me. I do not owe XXXX XXXX XXXX XXXX anything they brought this debt and my account with Santander is closed. 

Can you please assist me further with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed ChapXXXX XXXX 16- it was discharged XXXX-16.XXXX & XXXX   reported correctly-discharged XXXX-16. I phoned Equifax & a Supervisor said " we will not report your discharge- we'll show you are still in ChapXXXX for the next 10 years "! I'm buying a car from a Dealer & received a letter saying " your Application is denied due to a negative Equifax report showing you're still in ChapXXXX. " I need them to report my status correctly as are XXXX & XXXX. U.S. Bankruptcy Court, XXXX, NC Case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Recovco Mortgage Management, LLC
State: CT

Complaint narrative:
I was charged incorrect points at my real estate closing by Recovco Mortgage Management Company, they were different than what had been disclosed to me. I was supposed to have been assessed 1.75 % of the loan amount but was instead assessed 2.0 %. The over-charge totals {$870.00}. 

A Recovco representative communicated to me through my mortgage broker that the points would be 1.75 %, and that is the rate that was shown on the first Loan Estimate document provided to me on XX/XX/18 ( attached, 'Loan Estimate XXXX 1.75 % .pdf ' ) and then again on XX/XX/18 ( attached, 'Loan Estimate XXXX 1.75 % .pdf ' ). The documents were provided to me through Recovco 's on-line XXXX XXXX XXXX XXXX. 

Then I received a 3rd version of the Loan Estimate document on XX/XX/18 ( attached, 'Loan Estimate XXXX 2.0 % .pdf ' ) ) and the points had changed to 2.0 % without any explanation. I immediately communicated the issue to my mortgage broker, telling her the points were different than I had originally been quoted. She set out to resolve the issue with Recovco, though had difficulty in contacting them and I was still awaiting resolution as we neared the closing date.

Finally, without any additional communication from Recovco on the matter, I received a Mortgage Broker Fee Disclosure from them that I was asked to sign that disclosed, among other items, a loan origination fee now set back to the original 1.75 %. So, at that point, I reasonably believed the issue had been resolved. 

When I arrived at the closing on XX/XX/2018 I was surprised to find that the points I had just signed off on on the Mortgage Broker Fee Disclosure ( it is attached as part of the file called 'Letter # 1 7.23.18.pdf ' ) had now reverted to the 2.0 %. Not wanting to delay the closing I went ahead and paid the difference intending to follow up with Recovco afterwards, which I did communicate to the mortgage broker and the closing attorney. 

On XX/XX/2018 I wrote a letter ( attached, 'Letter # 1 7.23.18.pdf ' ) to XXXX XXXX, President Recovco Mortgage Management ( there were no other contacts for customer service issues provided on their website ) explaining the situation and asking that the difference of {$870.00} be refunded to me. I did not receive a response to that letter, so on XX/XX/2018 I sent a 2nd letter ( attached, 'Letter # 2 8.6.18.pdf ' ) requesting a response and indicating that I  would file a complaint with the CFPB if I did not hear back from him by XX/XX/2018. I did not get a response to my 2nd letter either, so am now submitting this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
On XX/XX/2018 I called m credit card company to complain about 2 {$8.00} charges that appeared on my account that had not been authorized by me. On XX/XX/2018 my credit card responded acknowledging the error and crediting my account for the charges. Everything seems to have been worked out except that on XX/XX/2018, when my payment was due I did not make a payment because # 1 the balance was {$8.00} which was the disputed amount, # 2 the account had been credited for the disputed amounts ( total {$17.00} ) and # 3 there were no other charges on the account during that billing cycle. The credit card company has charged me a late payment fee equal to the balance shown in the statement ( {$8.00} ) event though the charges were reversed and their own policy states that disputed amounts are not subject to interest or penalties if it is determined that the disputed amount was in error. I contacted the credit card company and even though they claim that are going to credit my account for the late fee my account still is marked as being delinquent when there is no balance due.

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 2018-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have an existing account with Kohls ' since XX/XX/2006. This year, I attempted to increase the credit limit twice, which should have resulted in a soft inquiry. Note there was no notice stating that there would be a hard inquiry. Instead, Kohl 's did two hard inquiries, as if I was applying for a new card. These inquiries significantly dropped my credit score. I contacted Kohl 's several times about this, and they said they would remove the inquiries. However, the inquiries are still there as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Liquidation Services Inc.
State: KS

Complaint narrative:
In XX/XX/XXXX, I received an alert that a collection had been placed on my credit report. The collection was from " Account Liquidation Service '' regarding a {$19.00} returned check on a JOINT ACCOUNT and that the company was attempting to collect {$30.00}. First of all I have NEVER written a check to their client " XXXX XXXX XXXX XXXX ''. I sent the collection agency a letter dated XX/XX/XXXX, ( ATTACHED ) asking for information and proof of debt. I also informed them that they have NEVER contacted me regarding the returned check to give me an opportunity to pay or dispute the debt. Because it was a " Joint Account '' I was willing to accept that one of my children or my spouse may have been responsible for the returned check I submitted a USPS Money Order ( XXXX XXXX ) in the full amount of the collection. I requested that the debt collection be " DELETED '' from my account due to their failure to make me aware of the debt PRIOR to placing the item in collection.

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 2018-08-20 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:
Had subizied and unsubsizied loans of about {$33000.00} total from XXXX and XXXX XXXX. When graduated from XXXX, couldnt afford payments and Navient was my loan servicer at time. The only option they gave me was deferment and forberance for many years. While accumulating interest rates. When i was out of those options they informed me to switch to another provider to get an income based plan. Which would be federal loans. I swtiched and have an additional XXXX dollars in interest. I was not given an option of ibr plan through Navient. During the forberance time, I decided to go to XXXX XXXX for XXXX. Better job to help pay back the debt. These loans/interest have been a thorn on my side for years. Help. I owe currently about {$420000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Hilco Receivables LLC
State: TX

Complaint narrative:
I have tried to reach out to XXXX XXXX XXXX for the past 3 months, to find out that the company for closed for taking advantage of service members. I purchased a XXXX indash navagation system for almost XXXX dollars In XX/XX/2011, which all I wanted was a receipt for the purchased for a police report. The company that purchased XXXX XXXX ( XXXX ) states that they do not have any information for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
We closed our HSBC Platinum MasterCard credit card account on ( or shortly after ) XX/XX/XXXX. The card still had a balance at this time. Upon closing the account, we were forbidden from making payments online. However, no paper statements were ever mailed and no payment address was provided online. We repeatedly called and asked to be sent statements. 

On XX/XX/XXXX, we made a monthly payment over the phone and requested again to be sent a monthly statement ; in response, the statement for which he had just paid was sent, but no further statements were sent and no due dates or amounts due were ever provided. 

On XX/XX/XXXX, we were charged a {$25.00} late for failing to make a payment, even though we never received a bill and were not allowed to pay online. Our account, which previously carried 0 % interest until XX/XX/XXXX, is now incurring interest daily. Furthermore, our credit score is potentially damaged due to the late payment. 

All of this appears to be a deliberate attempt to extract fees and interest from customers by forcing them to miss payments on their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
I have filed two previous complaints beginning XX/XX/2018 with NO RESPONSE of resolution! Each company continues to blame each other ... 
Complaint # XXXX Complaint # XXXX I have a FEDERAL Hamp loan that offered an incentive program for Payments made on time. AND I was offered a RECAST AGREEMENT from XXXX XXXX to be executed by XX/XX/2018. Both were completed and executed on time as agreed. My loan was then SOLD to Rushmore. I followed up with Rushmore and they sent back a letter stating that they would have this matter resolved within 15 days of the date of response to the CFPB on XX/XX/2018. Still waiting ... ..NO response! 
I have called and spoke to both contact persons representing my case at each lending institution and can not get this matter resolved. 
XXXX XXXX at XXXX XXXX has clearly stated that Rushmore MUST pay the $ XXXX per the Federal Hamp Guidelines. He stated that he made these notes in my account so that it was documented on my behalf. His direct line is XXXX Ext. XXXX When I spoke to XXXX in the Legal Department at Rushmore she stated that she did not understand why it was taking so long for someone to respond to her request. That she would have to check with Loss Mitigation to see if they could help her. She suggested that I file another CFPB complaint to protect my interest. Her direct contact information is XXXX direct line. 
I request for a full audit of this transaction and to finalize this within 10 days effective immediately. It is a federal law that my loan be credited the $ XXXX as agreed by the Recast agreement that was executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp.
State: VA

Complaint narrative:
I financed the vehicle in XX/XX/XXXX. By XX/XX/XXXX the vehicle had been totaled lost. XX/XX/XXXX my insurance company made a payment of {$8500.00}. I was told by the finance company that the gap insurance was approved and would take care of the reminding balance. On XX/XX/XXXX the gap insurance kicked in and it didnt cover the reminding balance. So Im left with a {$220.00} balance. The finance company reported to the credit bureaus in XX/XX/XXXX that my account was current. In XX/XX/XXXX they reported that my account was 60 days or more late. If two payments were made to my account. One on XX/XX/XXXX and the other on XX/XX/XXXX. How can they report in XX/XX/XXXX that my account is late?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX I visited the Speedy Cash located at XXXX/XXXX and I requested a payday loan in the amount {$850.00}. I tried to pay this amount with a loan from the company I work for and they refuse to give Goodwill the XXXX so the check could be issued. Speedy cash is taking {$210.00} dollars every two weeks from XX/XX/XXXX until XX/XX/XXXX. Which means I will be paying {$2500.00}. This is outrageous. I dont make that much money, this was not explained to me, and clearly constitutes predatory lending. I am ok paying a razonable interest amount, but what they are charging me more than 3 times what they lend me. Please help me to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2018 Bank of America without warning changed the balances on both my checking and savings accounts to - {$880000.00}. This was done with NO correspondence from Bank of America, no  phone call, no email, nothing. I later found out these represented holds on my accounts. I had no access to any money for the day. I noticed it the day it happened and contacted them about my accounts being frozen, and they wouldn't give me any information, only that I had to go to the bank branch with 2 forms of ID. So I did the next morning, at which point the bank unlocked my accounts. I thought everything was back to normal and they just wanted to verify my identification, although it was a very outrageous way of doing so. 

It wasn't until after that weekend on XX/XX/XXXX that I noticed a fraudulent {$1800.00} charge on my account. Again after calling and visiting the bank I was told there was nothing they could do until a picture of the check was uploaded. Finally on XX/XX/XXXX this picture of a bounced fraudulent check that was deposited on my account showed up. This was all officially reported to the fraud department by a bank employee on XX/XX/XXXX at my nearest branch. They then closed my checking account and opened up a new checking account as the fraudster may have had access to my checking account number. I can only speculate ( as I still have been given no information by the bank ) that someone deposited this fraudulent check at a Bank of America claiming to be me, and that the teller believed this person was me and gave this person {$1800.00} in cash for this fraudulent check, which then bounced and was put as a chargeback on my account for {$1800.00} along with a fee for a bounced check. The bank did return the fee. 

It is now XX/XX/XXXX. I have still yet received NO correspondence from Bank of America about returning the funds to my account. I have filed a police report with the local police department, I have locked all my credit reports, I have filed a report with the FTC. I have called their check fraud department twice now for updates and am told after nearly 2 months they have no update and no information. This has been a nightmarish experience that has caused a great deal of hardship to my family with a total lack of communication and lack of empathy or urgency by Bank of America. And I feel that it is due to their failure to identify a fake check, and to properly identify their customers before handing out such a large sum of cash. My funds no longer feel safe at this bank.

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 2018-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XX/XX/XXXX I submitted a letter to Navient to ask them to explain why XX/XX/XXXX payment reporting is showing 90 days late in which the account suppose to be in forbearance status. When I contacted them back in XX/XX/XXXX to ask them that due to financial hard time I would like to put my account in forbearance status until my personal situation change. They approved my request and I was told that they will " back date the forbearance so it doesn't appear late to the credit reporting agencies ''. I have requested recording and documentation showing proof that they stated they will back date the forbearance. I haven't received any documentation transcript or documentation of my request. Also Navient is reporting a 90 day late on XX/XX/XXXX, but the XX/XX/XXXX and XX/XX/XXXX is reporting current. How is that? Navient is not cooperating with my request I would like to receive the transcripts of the conversation XXXX that took place in XX/XX/XXXX about backdating my forbearance so it doesn't appear late. Navient haven't provided me with verification of the conversation. I was promise that they will approve the request. 










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Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I applied for a XXXX XXXX credit card, issued by XXXX XXXX XXXX XXXX XXXX ( and XXXX XXXX ), due to false advertising that promised a 20 % savings for purchase upon application. Once I had applied, I was informed online that the savings would not apply to the immediate purchase. I have attempted to contact the company and XXXX XXXX by phone, using the number given to me by XXXX XXXX and was kept on hold 29 minutes before I had to end the call. This seems like an effort on the part of XXXX XXXX and XXXX XXXX to lure customers into credit card applications, then stymie their efforts to cancel their applications once they realize they have been tricked into applicatoin.

Company response to consumer: Closed with explanation