vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I set up a monthly payment plan with a credit card to pay down the loan. The company failed to withdraw twice because they claim the account amount was insufficient, I have records of my payment stubs to show that the account was more than sufficient. This is the second time an error of data entry on Navient 's part has resulted in payment error. However, the company is claiming that because of their error, I am responsible and will go into default. Every time I call to find out the issue, I am met with hostility and blame. I have followed on my end and Navient continues to make it impossible to relieve this burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I had applied for the loan to complete a XXXX program XXXX at XXXX University XXXX changed names to XXXX XXXX University, XXXX, Wyoming, XXXX. The school closed in XXXX XXXX. I went to withdrawal in XXXX XXXX but decided because I had already paid for my degree that I no longer wish to withdrawal. I received an email stating that I was withdrawan and when I asked to be reinstated they told me The University 's Board of Trustees decided last week to not enroll Inactive students and to focus the University 's resources on current, Active students. I reported them and tried to be reinstated to find out they were a complete fraud. In order to attend the school you had to pay for your degree up front in full. In order for me to do this they provide student aid services which sent me to XXXX XXXX XXXX now Navient XXXX to fund my school loan. They did and I paid for my schooling up front, which should have caught my attention, but I have been paying on this loan since XXXX for a degree I was never allowed to finish, would n't have been valid, have paid thousands out of my pocket and now I 'm still in debt thanks to this. I was n't informed of any lawsuits that were filed against the school to help some of us get our money back. Unfortuniately for me because it was n't a federal loan I do n't qualify for a discharge and I have tried talking to my loan servicer about this and I get no responses from them. I am just trying not to pay for something I did n't get. If it was a credit card or checking account I could dispute the charge but this loan there is no one to help me dispute it. The school was a fraud and this loan was paid to them. Why should I pay for something that was a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: FL

Complaint narrative:
My student Loan was serviced through XXXX/Navient. There were several times that I had XXXX issues affecting my ability to earn income. When I contacted the servicer for options I was steered into forbearance programs which increased the interest owed on my loan instead of offering any other alternatives available to me. I had no idea I had any options other than forbearance and was mislead to believe that forbearance was the only viable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for a AMEX Card on XX/XX/2016, I was notified on XX/XX/XXXX that my application was cancelled reason given- The reason for our decision is that you have reached the maximum number and type of Cards that we will approve within the period of a few months. Please know that your prior application ( s ) has been approved and your Card has been sent to you. 
I never applied before XX/XX/XXXX, I called AMEX and was told they only have XXXX application and it was cancelled. They also informed me that I do not have an AMEX Card. They are not able to tell me why they have stated the above in the letter they sent. They suggested I permit them to " Re-Underwrite '' the cancelled application. I do not understand this approach, as this would negatively impact my Credit Score ( XXXX inquires from AMEX within a week ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Flatonia Investments, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is soliciting mortgage loans when she is not authorized to represent anyone. She is on XXXX stating delivering gifts to realtors, soliciting for mortgage loans and talking about Envoy Mortgage. She is also on XXXX soliciting business and even has a XXXX XXXX - Envoy Mortgage page.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
We have been getting calls every day from Midland Credit Management. When we answer no one is there. The only reason I know it 's Midland is that I called back. We have NO debt, and have had no debt for over XXXX years. This is either an erroneous call or fraud but since no one answers when I pick up we ca n't even address that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
My JCPenney card has a deferred interest balance for window coverings I purchased a few months ago and requires {$25.00} minimum monthly payments. In the previous billing cycle I charged {$9.00} on my JCPenney card and by the due date I paid {$34.00} ( {$9.00} in charges plus $ XXXX monthly payment ) by the due date. My current bill shows a {$2.00} interest charge! It took a XXXX minute phone call to JCPenney to possibly correct this. XXXX representatives, XXXX & XXXX, said I was the problem, that I had not paid enough! Finally, I discerned that all payments go towards the deferred interest charge ( except for XXXX pennies in my case ) and almost nothing was credited to the current charges. This appears to be a scam, a way to charge interest on current charges even when they are paid in full. I was told by XXXX that the only way to be able to pay current charges and not be charged interest is to call every month when I make my payment. Now, considering that it took XXXX minutes to digest all of this, I believe many are being overcharged interest by this devious scheme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-16 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express Serve card refuses to release funds on hold from a vendors error and even after vendor tried to contact them to release the funds, would not supply the vendor with the information needed to cancel the overcharge of {$83.00} from XXXX/XXXX/2015. Insisting that I wait 7 days for the change to just " Fall off ''. I understand that they have whatever policy in place for security, but after being presented with the necessary information from the vendor still refusing to relinquish funds, causing me to not to be able to buy food for my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Please remove the following from my credit file as it does not belong to me : MIDLAND FUNDING LLC # XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX for Collection : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Open AccountLoan Type : FACTORING COMPANY ACCOUNTBalance : $ XXXX Updated : XXXX Amount : $ XXXX Creditor : XXXX XXXX XXXX Due : & gt ; {$1000.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
A mortgage counselor submitted a financial package on my behalf due to reduction of income. I was laid off from my employer due to downsizing and requested a modification. I was later told by HBSC that i did not qualify and gave me very little explanation. I feel that I was not reviewed properly because they requested an appraisal for a short sale before they even told me that i was denied. HBSC also sent a breach letter via certified mail that was dated XXXX days prior to being mailed. I feel I was not treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Have letter dated from XXXX/XXXX/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Repeated calls, more than once an hour, on one occasion calls were 29 minutes apart. Three days in a row called 4 times each day ; four days in a row called 15 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: GVA Holdings, LLC
State: OH

Complaint narrative:
I applied for a loan, the company called my bank with me on the line and verified my information. I was told that the I was approved and that the money would be deposited into in two business days. at that time I was offered to received the loan in one day by paying an additional {$12.00} fee. On the day the money was supposed to be deposited in my account. I received a call from the company saying they needed a different work number. I had provided them with my supervisors number. They called after the wire cut off and there was no way to get me the money in addition they had been given the only number to verify my employment. I spoke to my supervisor this week. He was intending to discipline me because I broke security procedure and gave out the phone number. I corrected him and told him I had applied for a loan. He said the person who called him did not present themselves as a professional and he thought it was a customer. He said had they been able to communicate properly he would have verified my employment. I took a loan out to buy a luxury I did not have the money to buy. The company had me sign the loan document and said it was done. They did not keep their promise, as a result I have suffered overdraft fees and I want them paid. The company called me the next day after the day I was suppose to get my loan they wanted a different number. The damage had been done I told them I wanted nothing to do with them. Why would I go through this process a gain. Because the people doing the verifying are not American and obviously do not understand how to communicate when calling and asking for sensitive information. they were not able to verify. I have suffered do to the incompetence of this company 's employee and I feel they should pay my overdraft fees incurred do to their inadequacy. No I do n't want a loan from them. I want reimbursement of the fees they caused me with their lies. If my loan was not complete, they should have said so. I signed a promissory agreement and was told my money would be deposited on that day not it may be deposited. It was suppose to be a done deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My credit report has an error. Midland Funding reports that my account with Nordstroms was opened in XXXX, 2013 ; this is incorrect information and may negatively affect my credit. I wish this incorrect information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I applied for a loan mod in XXXX of this year. I was not notified of any missing documentation. i assumed that the m\loan mod was going forward. I received ads from people wanting to buy my house as a foreclosure on XXXX XXXX. Called the servicer and my house is up for sale in XXXX XXXX. No notice of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
NCO / Expert Global SolutionsThis company has been calling me for over 1 year. I have no debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I sold my house in XX/XX/2015. at that time, I cancelled my XXXX because I did not need it anymore, since I had sold my house. I informed XXXX, and they agree. since then, XXXX has been sending me monthly bills for service I nolonger received. XXXX has sent three different collection agencies to collet a bill which is not legitimate, because I nolonger received their services, they agreed to stop the service, and are still pressuring me, through collecting agencies, to pay a bill for services they no longer provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Received a bill in my minor sons ( XXXXyears old ) name from a debt collector. The company is Transworld Systems Inc XXXX, PA, referring creditor was XXXX XXXX XXXX XXXX Tx. I called Transworld upon receiving letter and was told by XXXX that she would just document that the child was XXXX but he still had to pay the debt. I spoke with a supervisor at that point. The supervisor XXXX informed that XXXX XXXX provided that my son was the responsible party for the bill, even though they have his date of birth on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: GVA Holdings, LLC
State: TX

Complaint narrative:
This is the last and final chance for you. 
This Legal Proceeding issued on your Docket Number XXXX with one of Cash Advance XXXX. The company in order to notify you that after making calls to you we were not able to get hold of you so the accounts department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 
case File # : XXXX Loan Amount : {$300.00} Amount Outstanding : {$790.00} Settlemen Amount : {$400.00} You are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter. 

XXXX XXXX XXXX XXXX HAS STATED 3 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Now, this means few things for you. If you are under any state probation or payroll we need you to inform your superior or manager what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, YOUR EMPLOYER AND BANK ABOUT FRAUD. 
And once you found guilty into the court house then you have to bear the entire cost for this law suit {$6300.00} which is excluding loan amount, attorney 's fees, and the interest charges. You have the right to hire an attorney. If you do n't have one or if you ca n't afford then one will be appointed to you, we believe that this was not your intent and that these steps are unnecessary. 
IF YOU WANT TO RESOLVE THIS MATTER IMMEDIATELY CONTACT US.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding had posted a debt under a different name, I had it challenged and DELETED from all XXXX Credit reporting agencies, now they re-filed it under XXXX to try and get this debt again! This is illegal practice and a complete violation of my rights under the FCRA. I want these posts removed immediately. This company is on every ripoff report ruining people 's good names.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Rose & Associates, LLC.
State: TN

Complaint narrative:
I was contacted by a Rose & Associates regarding a supposed old debt from a XXXX XXXX XXXX out of XXXX GA. They told me if I did not agree to pay {$300.00} in 10 days, that attorney fees would be garnished from our checking account. I made a {$50.00} payment over the phone. They called from a XXXX number but told me they were out of XXXX The number that called me was XXXX and the lady was XXXX. They also emailed me a confirmation. Something did not sound right so I googled and found many complaints, leading me to the suspicion that they were a scam and now they have my credit card info.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: PRIORITY HOME MORTGAGE, L.P.
State: TX

Complaint narrative:
When my, then partner, and I decided to purchase a home, we were referred to Priority Home Mortgage by our builder. When I met with XXXX XXXX at Priority the very first time I was clear of my relationship status and wanted to make sure that was not going to be an issue with a joint VA loan/mortgage. I was assured that everything was fine. This was XX/XX/2015. 

We processed all of the paperwork, were pre-approved for the mortgage as a couple. 

XX/XX/XXXX, I was contacted by another individual from Priority, I believe her name was XXXX, who asked for marriage documents. I relayed the same information that I had shared with XXXX. All of the sudden we could not get the mortgage, or deed to our home in both names, I had to go through the pre-approval process again. Everything. 

Once the dust settled, I went to XXXX 's supervisor, XXXX XXXX. After several conversations, he agreed that Priority personnel had messed up, and that my, now husband, and I would need a quick/Quit Deed after I closed on the house in order to get the deed in both my name and my husbands. He also agreed that Priority Home Mortgage would incur the cost of processing the second deed. Conversations as late as XXXX XXXX, XXXX confirmed that all was in order and that the Quick/Quit Deed could be processed the day after my closing. 

At my closing on XXXX XXXX, XXXX ( a separate entity ) told me that I would have to wait until I received my actual deed before I could move forward. 

I have now had my deed in my possession for over 2 weeks. I have reached out to XXXX XXXX at Priority Home Mortgage three separate times, including today, to get the XXXX deed processed and signed. I am getting no return communication from Priority Home Mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My husband injured himself and needed to interrupt our trip overseas. We came home early in order to get proper medical care. We put in a request with Citibank Mastercard Benefits Program several months ago, and were assigned a case number of XXXX. We were told our claim would be handled by the XXXX 
We provided doctor 's notes, trip itinerary change information, and other expenses. No one ever got back to us. I called several times and ws told I needed to provide a physician 's note, which they already had. 
Now they claim that they only provide trip interruption insurance if the person was unable to TRAVEL ( even to fly back to place of origin. ) My husband was able to fly home, but not able to continue the trip. That is what I deem trip INTERRUPTION. I believe the wording in their Benefits Brochure is deliberately obscure. How can one INTERRUPT a trip and still stay overseas? They then would have claimed that our trip was not interrupted or cancelled. 
[ If a person got sick on a boat and was evacuated home, he was able to travel for medical care, but not continue his trip. Would he be denied INTERRUPTION insurance? How could he have both stayed on the cruise, and not stayed on the cruise at the same time!?! ] I would like them to honor the intent that any reasonable person would believe- trip INTERRUPTION means a trip that was interrupted due to a medical inability to continue that trip.

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