vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bowen & Associates Recovery, Inc
State: TX

Complaint narrative:
I had been emailing the collector and informed him that I was not responsible for the debt because management of the company had been changed and I gave them the name of the person who was. 

This debt collector used my sons phone number to call me with. My son, who is stationed in the XXXX XXXX and I hadnt talked to in a very long time and it was his birthday. So I thought my son got the chance to call me and it was the collector. He proceeded to be very insulting and I finally had to hang up with him. He called me names and was abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
CFPB closed my complaint based on a letter that was later mailed to me, from XXXX XXXX, stating that {$25.00} had been deducted from my account. This was not disclosed to me during our conversations. This was not disclosed in any way, in fact, until after the account was closed. 

XXXX XXXX 's letter refers to the Terms, and describes this as an " Early Closure '' fee that was part of the Terms, however, the account was not closed early. 

First, contrary to XXXX XXXX 's implication, the Terms allow, but do not require this fee. 

Second and more importantly, " early closure '' is within 180 days ( see attached secure message from HSBC ). I opened this account on XXXX XX/XX/XXXX. I funded it on that same day via XXXX XXXX   transfer. After a few days, when that transfer had not been credited to my account in violation of HSBC terms and relevant law, I complained, and in the end, HSBC did finally credit my deposit, retroactively, another unlawful act, but putting the funding date as XXXX XX/XX/XXXX ( see second attachment, statement with date account opened and funded ). 

As per XXXX XXXX 's letter, the account was closed on XXXX XXXX XXXX. 

Whether counting from the date the account was opened ( as required by the Terms ), or when it was funded, in either case 180 days elapsed in XX/XX/XXXX, about a month before the account was closed. Indeed, after HSBC, in one of many messages exchanged via the secure message center on the HSBC app, informed me that if I closed the account within 180 days of opening it I could be assessed a {$25.00} fee, I deliberately waited until the 180 days had elapsed before taking further action. 

HSBC apparently assessed the fee anyway, without notifying me at the time, without notifying me before doing so, and without any basis for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Institution : Wells Fargo Borrower : XXXX XXXX XXXX XXXX Account : XXXX Issues : Wells Fargo making it diffiduclt to pay off HELOC, Violation of Loan Agreement limiting our ability to pay off loan. Refusal to Comply with 11 Requets for Estoppel Information. Neglegence, BSA Compliance Fraud and Technical Default of Loan Terms We have filed a complaint with CFPB in the past and Wells responses were based on lies, fraud, deceit and did not answer the questions demanded of them. Complete Loan Payment History took 6 months to provide and we question the loan repayment, interest and untimely payment of Escrowed Taxes & Insurance causing us to receive a cancellation of Insurance for non repayment. This bank is horrible and we have caught them in lies. They refuse to allow us to wire transfer loan payments causing us to go to branches. This is direct violation of Loan Agreement as Wells tries to impose internal policy that is not addressed in the original loan agreement. We finally received a pay off letter dated XX/XX/19 and received on XX/XX/19. Letter details after XX/XX/XXXX cut off the interest is charged differently. How oxymoronic is that? In reality it is another way for Wells to gain more interest on loans. WE DEMAND A COMPLETE AUDIT AND EXAMINATION BY CFPB, HUD, OCC AND FDIC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
There are two NJ CLASS HESSA loans that just appeared on my credit report the past year., and was not being reported until now.. My credit score has been drastically affected by this reporting. This loan is beyond the 7 year ruling for reporting and has no right being reported as a delinquent account. I was merely a co-signer and this loan goes back to XX/XX/2010. I have requested that these two debts be remove from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We had Hurricane XXXX damage XX/XX/XXXX and Ditech was our mortgage servicer until XX/XX/XXXX and now its XXXX XXXX XXXX. Ditech held the insurance funds and would reimburse us as we submitted receipts of repairs. However they cut a check XX/XX/XXXX to us and our roofer even though the roofer had been paid in full. I called to let them know this should have been paid only to us and at my expense I overnighted the check to Ditech. They as if today never forwarded those funds to XXXX which by law should have been sent within 30 days of XX/XX/XXXX and today is almost 4 months. Ive called Ditech multiple times and submitted a complaint online and all they tell me is to call the new mortgage servicer XXXX. I have contacted XXXX and they NEVER received the funds to disperse to us and Ditech will not tell me the status of the check that I returned. This is unethical and unlawful way to do business. We can not afford a lawyer as being displaced for over a year while in good faith paying every mortgage payment plus utilities at 2 places and still trying to get our home back together - we need help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: IN

Complaint narrative:
On XXXX XXXX I received documentation that my request to remove my cosigner was denied for " insufficient income for amount of credit requested ''. For a number of reasons I believe this determination is unjust and inappropriate for my current financial situation and the current guidelines in place by XXXX XXXX to remove a cosigner. No where in the application does it state that I must have a certain dollar amount of income yearly to be approved for the cosigner to be removed, even with that being said I make a very decent amount of income for my age and debt- very easily making monthly payments. According the cosigner release form the guidelines to be met are of the following : I must complete the entire application, which I did. I must meet the age requirement of 18, which I have. Provide graduation completion documentation, which I did. Be a US Citizen, which I am and forever will be. Provide proof of income, I provided my recent pay stub along with my W2- with a very reasonable income. Be current on my service loans and with in the past 12 months, which I have been in repayment for over a year now and have never missed a payment. The next is demonstrated a satisfactory payment history for the last 12 months. And finally no student loans in hardship or forbearance, which I have never had. They did state they would run a credit report the support the fact that I will be able to assume full responsibility for repayment of loans and to make sure there are no signs of bankruptcy, open foreclosure, student loan default or delinquencies. So at meeting all these guidelines and applying, I had no concerns of having my application not being accepted. Then when I received the form on XX/XX/XXXX stating my income was unsatisfactory, I strongly disagreed. On XX/XX/XXXX I requested a form from XXXX  to dig further into why I may have not been accepted. The same time I had called and spoke to XXXX XXXX about it and the representative told me that I had no grounds to dispute the subject. I am currently awaiting a response from XXXX  on the grounds that they used my old income to calculate the report versus the W2 I had submitted. I have a decent credit score and steady income, currently I have no assistance from the cosigner on my loans and am making payments in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
AMEX pulled my credit without my authorization and I have written a lot of letters to them to delete this inquiry as I did not authorize this since last year. They did nothing about it and ignored my many certified mails. 

their phone number is XXXX Address is XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been communicating with XXXX since XX/XX/XXXX to opt out of IBR and change my payment plan to a lower payment plan. I speak with someone at least once each month since XXXX, XXXX and EVERY SINGLE MONTH I'm told that the following month everything will be corrected. I was told twice that I needed to do make opt-out payment, which was done in XXXX, XXXX, and then the correct payment of approximately {$1500.00} will start in the XXXX, XXXX. I was told that the bill is generated approximately 10 days before my bill is due, which is the XXXX or every month. I logged into my account today to confirm the payment and I see that the correct income payment amount of approximately {$1500.00} is not reflected, but instead a regular payment of over {$2500.00} is showing. I CAN NOT pay this amount! I have been diligent in trying to get this resolved, and every single month I get another excuse of why it has not been corrected. This is reflected on my credit report, as well. I need this to be corrected immediately so that the correct lower amount of approximately {$1500.00} is reflected. 

Please note that on XXXX, I spoke with XXXX ( # XXXX ). I also spoke with XXXX prior to this date ( although I don't have her employee number ). I spoke with XXXX prior to this, who is a manager and said that she would escalate this to be done in XXXX, but it was not done. 

On XXXX, I called and spoke with XXXX ( # XXXX ), who, after I indicated I was furious and need to speak with a manager, promptly put me on hold, refused to assist me, and ignored my requests and needs. Please also consider this an official complaint about XXXX ( Employee No. XXXX ). 

Later on XXXX, I spoke with XXXX ( # XXXX ) who told me that NOW my payment will be in effect in XX/XX/XXXX and I have to make ANOTHER administrative forbearance payment. Please look in my file and you will see that I made an administrative forbearance payment in XXXX, XXXX and possibly in XXXX, XXXX. This is completely unacceptable. 

I am looking to have this resolved immediately - meaning, before my XX/XX/XXXX payment is due. I expect someone to resolve this and to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GreenSky, LLC
State: MI

Complaint narrative:
My wife and I got a Greensky credit card in the Spring of XXXX for making purchases at our buying club, XXXX. 
I understood in advance if I paid the balance in full for purchases by XX/XX/XXXX, I would not incur any of the accruing interest charges@ 29.99 %. 
Since I received a loan from my credit union on XX/XX/XXXX, I was able to pay off three credit cards with high interest : XXXX, XXXX and Greensky. 
The transactions all took place on the same day XX/XX/XXXX ... and checks were mailed to all three lenders. Both XXXX and XXXX posted credits to my accounts on XX/XX/XXXX ( 5 days later ). Greensky did not post the credit until XX/XX/XXXX ( 14 days later ). 
If I had waited until the end of XXXX to repay my bill ( due XX/XX/XXXX ), it is very likely that it would not have been credited to my account in time not to incur HUGE 29.99 % accumulated interest. 
This looks like predatory lending to me. 
Even though this smelled bad, what eventually made me file this complaint is that they said it would take 30 business days to send me my refund for the overpayment I had on my account. 30 days!!! Greensky looks like a bad actor and should be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A credit inquiry for was placed within my XXXX/Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Ameritech Financial
State: KY

Complaint narrative:
I have been enrolled in an income re driven payment plan with XXXX since XXXX, XXXX was suspend due to a civial fraud case with the FTC and XXXX had not received any money from. Therefore i have been paying XXXX since XXXX for nothing, the money has gone no where. XXXX was suppose to pay of the loan upon agreement, after i paid half the loan and paying XXXX a fee at the beginning of this process. I had asked for documentaion about 6 months ago and all the sent me was from XXXX forward, i needed this info for hospital spin down payment process, that was pulling teeth to get that documentation.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
When trying to use Navient 's website and contact the organization or obtain forms they state are necessary for requests, one is returned to the sign in screen ( and is logged out ), and then when one signs in again, one is sent to the home screen. There is no evident way to actually send communication to Navient. When calling their number, I waited for 20 minutes -- -after being told the wait is two -- -and having never spoken to a representative, I was auto-switched to the post-call survey. I uploaded a letter from my educational institution using the function on Navient 's website to show that I am fully enrolled for the Spring semester. Upon receiving it, Navient notified me that they need proof that I am enrolled and have no such proof. The ironic thing is that what triggered this statement is the very upload I gave with the information. I have spent a day of my life trying to do a simple thing, request a loan deferment because I am enrolled in school after taking a semester off. Their website offers endless cycles and no help. If they are profiting off of my interest, the least they could do is provide an actual human being to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Webster Bank allowed {$150000.00} in forged checks at a local branch without questioning the sudden change in banking habits of my elderly uncle. He was XXXX years old and never withdrew large amounts of money or wrote checks in large denominations. We have unsuccessfully been able to get Webster to reimburse the funds. The person responsible for the theft was arrested and prosecuted but the bank is not responding and Branch Managers are not helping us. The letter to the President of Webster bank remains unanswered as do our calls and questions. 
I have attached the letter to Webster Bank and copies of some of the forged checks that the Branch gave the police dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
hello I made my Mortgage payment on XX/XX/2019, and I have been concerned about my payments not posting on my credit report so I called XXXX XXXX concerning that and come to find out the company had switched to Mr. Cooper with no notice I have not received a letter telling us the mortgage had changed and also that they have not received my payment yet I'm very concerned about this matter, Mr Cooper tried to  assure me that I had 60 days but what if the payment never shows or after 60 days then what I made my payment to XXXX XXXX on time and the day before it was due and I need them to rectify this now, FYI the CSR had me to call my credit union to confirm payment and she did confirm with him on the phone that the payment was made on the XXXX and I talk to another rep today and she said the companies just switched on the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 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: FL

Complaint narrative:
A credit inquiry for was placed within my TransUnion/XXXX/XXXX credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PRESTIGE FINANCIAL SERVICES INC
State: VA

Complaint narrative:
On XX/XX/XXXX I hit a deer with my car. I turned this in to my car insurance. After several weeks of dealing with them, they finally did a total loss on the vehicle. The whole time I was in contact with the finance company who had the loan on my vehicle, which is Prestige Financial Company. I was told by them that I had GAP insurance and that once my auto insurance company sent them the check for the amount of the vehicle then they would start the claim for the GAP insurance. They received that check on XX/XX/XXXX. Today is now XX/XX/XXXX and this loan is still not paid off. I have spoken to XXXX, at Prestige who keeps telling me they put the claim in and now they are just waiting for them. It's been 4 weeks since they supposedly put the claim in. I dont understand what is taking so long. And when I try to call Prestige I can never get through to someone, you are kept on hold forever. They only way I have been able to contact them is going on to their website and sending an email. This is frustrating because they had no problem calling, texting and emailing me if I was late on a payment. I have explained to them that I cant get another car loan until this one is closed. So i have been without a vehicle since the end of XX/XX/XXXX. I have most recently asked for the insurance companies info that they have the GAP insurance through and I have gotten no response. I just need some assistance because everyone that I have spoken to about this says it should not take this long for the GAP insurance to kick in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
Received phone call from someone named XXXX XXXX claiming to be a lawyer for a cashnet loan service, I can find no record of him anywhere. Tried to tell me I obtained loan in XX/XX/2016 and gave an old address, and a bank account that is not mine. Told me he called the bank and verified my information, which would be against banking practices if I did have an account there. I have no knowledge of this loan. He called my place of employment prior to calling me. I am a XXXX and he is threatening to call my XXXX  to discuss this matter with her and report me to the XXXX   board. Called multiple times, 7 in fact within 20 mins and continuously made threats to try and get me to pay. My husband called and he rattled off his information ss #, Birthday, and phone number. Told us he is one step ahead of us and threatened to call my husbands work as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I submitted a fraud complaint on XX/XX/XXXX. Upon further investigation into my account, I realized the fraud was more extensive and filed an additional fraud case with the bank on XX/XX/XXXX. Per Reg-E, the bank was to issue me a provisional credit within 10 days of receiving the complaint ; however, that wasn't done until XX/XX/XXXX. 

The bank did not adequately investigate the fraud claim. The bank refused to provide written documentation when I requested it related to the investigation. 

The bank cancelled my account on XX/XX/XXXX citing " risk ''. On the same day, the bank put a $ XXXX hold on my account citing the need to reverse the provisional credits assigned during their fraud investigation. Today is XX/XX/XXXX and the bank still hasn't lifted the hold and released my personal funds. 
.

Company response to consumer: Closed with explanation