vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On   X/X/2017  I  want to continue to move forward with clearing up my debt.      XXXX   XXXX   XXXX   XXXX , has not provided me with adequate information regarding this debt but I presumed it could be true being that My then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while.     After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this  First before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report.     I am sending a letter to  XXXX  requesting validation and of options, by    X/X/2017   .     I feel bullied, Pressured and optionless. The verbally abusive representative name is  XXXX   XXXX , so he says and the lady who transferred me to him name is  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 2017-05-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Credit reporting allows organizations initially resolved in bankruptcy to resubmit debt under different names. No identification. No honoring judge legal order. No following FCR laws. I paid previously during time required. I never applied for other credit but system process and freezes consistently fail me. Its illegal after years of bankruptcy process and instructions to SIMPLY MAKE ME START OVER. Equifax,  XXXX , and Others. My problem is Known unfair practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have asked Navient numerous times to explain the loans attached to my account as I do not think they are accurate -- it 's impossible to get someone on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
received calls before  XXXX  and it 's someone from  XXXX  stating I own money and I ask to remove my number and keeps calling

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 2017-05-04 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: Special Financing Company, LLC
State: MS

Complaint narrative:
I am having a problem trying to find out is it possible for me to break contract with  Special Financing Company LLC   XXXX   XXXX   XXXX   XXXX , Virginia  XXXX  Phone : (  XXXX  )  XXXX  Regarding my purchase from merchant :  XXXX   XXXX   XXXX   XXXX   XXXX  Account #  XXXX  Amount Financed : {$1900.00} Minimum monthly payment {$98.00} First payment date :  XXXX / XXXX /   2016. I have  been paying them for a year and this money I am sending them it is not going towards my payment decreasing my student loan. I spoke with a representative on the phone because I am in the process of getting my loan recertified for  IBR which means Income Base Repayment because my income is very low. She told me the representative that only the {$110.00} I am paying them is going towards my loan amount for decreasing it and the money that   XXXX  Special Financing    Company  is not doing anything for me and that I could have easily called them to have gotten my monthly payment for IBR in the amount of {$110.00}. I want to know why I was led to believe they are helpi ng me I want this contract broken with them if possible or are the legal company and why was I target. When I try to call  XXXX , the same voice comes on the phone saying that you have called after hours of operation and just leave a message when you can not leave a message because the mailbox is full. I needs answer because right know I have completed forms for my bank to stop  Special Finance   Servicing from takin g any amount out of my account in the amount of {$98.00} or any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is an update to complaint #  XXXX . Online customer service a t Capital One could not provide me with the name of the individual handling my case. Capital One has charged me {$210.00} solely based on the balance transfer. Capital One said its their poli cy to charge interest. However,   XXXX   XXXX   XXXX   XXXX  stated that they sent a check to  Capital One in enou gh time so that I should not be charged any interest. We have spent much time trying to get this resolved and   XXXX    and Capital One can not seem to coordinate and fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I was trying to remove ex wife from title and they told you to apply for a modification and I was told in order to qualify you will need to stop making payments.   The application process halted because they were requesting income documents from my ex wife. I did not receive written or verbal communication that there were missing documents from your submission and they did not advise of this until you called in to check the status. I was later told they did not contact you because of your ex wife 's bankruptcy. I did not have a bankruptcy and they should be in contact with me, they agreed and updated the system.   I was then told by a different representative a month after my documents were sent that a modification would not remove her from the note and to do an assumption and requested paperwork and you sent in.   They then said weeks later I can not do an assumption because your past due, which was their original instruction. They said they will continue with modification to bring me current, and requested documents I had already submitted. When you advised this my account  manager  had you send directly to her and said had to be that day because foreclosure sale is scheduled for  XXXX .     I was not provided written notice when they initiated the foreclosure process ( due to ex wife bankruptcy ) I was not provided written notice when a sale date was scheduled ( due to ex wife bankrupt cy ) Thi s all started in the middle of  XXXX , they received all documents from me  XXXX / XXXX /  XXXX   but then continually asked for more documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Lionstone Holdings Group
State: NV

Complaint narrative:
ok i have  2 p ages of payday installment loans taken out in my name and never took out law suit in my name oney stollen my ssn  XXXX  help me they are trying to kill me

Company response to consumer: Untimely response
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: PA

Complaint narrative:
Branch Banking and Trust, aka BB & T  I spoke with a representative  XXXX     2017. The repres entative walked me through online how to OPT OUT of overdraft. I trusted the bank representative gave me the correct information. She in fact gave me incorrect information. Due to the misinformation I received, I received    XXXX   ov erdraft fees totaling {$72.00} on  XXXX / XXXX /   2017. I   contacted the bank ; a representative said they could try to pull the calls but because there were so many calls during that time period, they  may  not be able to review all of them. They could n't promise me a resolution. As I received a refund in  XXXX   ( admittedly my fault )  they " ca n't '' honor additional refunds for 24 months from the first refund in  XXXX . The bottom line is the banks employee gave me incorrect information which caused the overdraft fees. Currently waiting for a follow up call from the  manager  with the research, if anything.

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 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I currently have  XXXX  promotional purchases active on my  Care Credit/Synchrony  Bank card. On  X/X/17    I contacted  Care Credit/Synchrony  bank and requested all future payments that I make be split equally between th e  XXXX  debts after noting my last entire payment was applied to only  XXXX  of the promotional  purchases. I was informed that it was not possible to do that which I find hard to believe. I requested that their answer be given to me via email or a written letter and was told that they could not do that either. I requested to speak to a supervisor and was told by the supervisor that I would need to submit a request in writing and they could take up to 90 days to get me a response. If I took 3 months to submit a payment, I would surely occur negative repercussions but what about Care Credit/Synchrony slow rolling a simple response so I could include it in my complaint?     I do n't think it is right that the bank can decide where my payment is applied to my debts. In this case, I will be forced to pay more money each month to make up payments not being applied to  one of  my promotional purchases so I can pay it off before the promotional expiration date. If I do n't pay it off in time, I will be forced to pay the deferred interest charge currently at {$730.00} and this amount will only increase with time. If they would split the payments, I would not be in this position!

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 2017-05-04 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: Nelnet, Inc.
State: WA

Complaint narrative:
On  XXXX   XXXX  I made a manual payment on my student loans through  Nelnet for my  federal loans ( and their subsidiary  XXXX  for my private loa ans ). I 'm also  set up to autodebit, where I selected " pay balance due '' as the payment option.     To me this should clearly mean I only pay what I currently owe on my payment date but apparent ly Nelnet and   XXXX  prefer to set their ToS in such a way that they 'll charge me a month payment on the date regardless. It 's not clearly expressed that making payment early does n't cancel the auto debit. I 've now been charged several  hundred dol lars  (   XXXX  by nelnet and  XXXX  by   XXXX   on  XXXX  ) between th e two.      While initially a call rep said I would be able to request a refund of the manual payment, the resolutions department refused on the basis of both payments being authorized. Since there 's no way to make an unauthorized payment I 'm not sure what else they expected. The person I talked to literally sounded like a soulless drone. They lectures about reading ToS and were callous to the fact they  may expose me to late fees and fines on other bills by double charging me. There was n o escalation beyond a voicemail I would not be guaranteed a response from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.

Complaint narrative:
I transferred a balance from another institution to my  PNC  credit card. I understood the balance transfer fee disclosed of {$5.00} or 3 % of the amount. I have been making payments to the card on time and well over the minimum payment due. The only balance on this credit card was the transferred balance with no purchases. However on  X/XX/2017   , I made a purchase at  XXXX  's for {$4.00} since I could not find my debit card. I knew that I would just pay this purchase off on the next billing cycle. My statement ended  XXXX  and noticed that they charged {$1.00} for minimum interest charge. When I called  PNC to  dispute this charge, the representative impolitely informed me that when you have a balance transfer on the card you " lose the time '' of interest deferring on purchases made. The  PNC  representative said that his system would not refund the fee charged. Calculating the fee charge, that is 900 % charged on a {$4.00} purchase for 6 days. I have also review the disclosures and was not able to find caveat the rep was claiming.

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 2017-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been working hard to address my student loans with no help from navient. I have applied for income based repayment however they have never responded in writing to my multiple request and when I call I am always given a different monthly amount as my new repayment amount that I well above what I am capable of paying especially in the midst of  XXXX  and a divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CFM Group LLC
State: GA

Complaint narrative:
The originator of the debt is   XXXX   XXXX  . We canceled our phone and internet service with them and switched to  XXXX . They were upset, so they left the internet service on, even through we switched to a different company and then started calling saying we owed them for the internet service. We told them we canceled the service and were not going to pay. They gave us some lame excuse that we only canceled the phone service, not the internet and that we had to do that separately, so we still owe them for that service. Since that time, they have sold our " debt '' to multiple collection agency. We explain to each  one  the situation and that we were not going to pay. Most have attempted to collect anyway and called for a month o r two th en given up. The most recent company,  CFM Group , phone #  XXXX , Representative  XXXX   XXXX  has been calling at least once a week. Last week Thursday   XXXX   2017 we  told him the situation, explained to them that we are not liable nor will we pay and that owner told us to be polite, but tell them no thank you and hang up.The owner of our company, then proceeded to call   XXXX   XXXX   and informed them again of the situation, which they insisted we owe them anyways and refuse to remove us from collections. However,  XXXX   XXXX  of  the CFM Group, decided that our response was n't acceptable. So today  X/X/  2017, he c alled 5 tim es in 10 minutes. The first  3 calls wer e handled by the sales woman here. She was polite and asked him not to call then hung up. He called back immediately and hung up on her. Then called a  3rd time and  she explained that he was acting in a harassing manor and he was not allowed to do that, he was impeding our business. He said he had the right do what he was doing, because his calls were a business call to collect a business debt and the call ended. Then he called back immediately and that 's where I stepped in. I got the call, confirmed it was  XXXX  again, told him that he has called multiple times in  10 mi nutes, which he said was n't true, but I was present for all the calls, and I told him that if did n't stop harassing us I would report him. I hung up, and he called right back. That 's when I informed him I was reporting him, and he told me " Good luck with that. '' This is a clear cut example of harassment by   XXXX   XXXX  . Some of these  collectors  think everyone is not informed of their rights in regards to collection. They use this to their advantage to harass people. We understand that they have a right to call, but to call multiple times inside a short period of time and harass us is never acceptable. We would appreciate your swift action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On behalf of my Client  XXXX   XXXX   XXXX   XXXX  I applied for an SBA guaranteed working capital loan.     On no less than  7 occasions over the past four  months the loan committee has requested additional information, which they already had. These people were too lazy to look for the info they already had.     Additionally after two months they asked for cost of goods sold information when there is NO COST OF GOODS SOLD. This is a company that receives a commission for its sales to customers from a manufacturer. How stupid can these people be.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Citibank advertises to provide customer service, yet their customer service is a dismal failure fraught with agents who either have no idea what they are doing or are simply lazy. I have been an excellent customer of Citbank for years -- always paying my credit card in full monthly. Last month, I misplaced the statement and found it five days after the payment date. I immediately made a payment in full and called Citibank to explain the oversight and request that they waive the fees. The agent agreed. I verified two days later that the payment from my bank to Citibank had posted. The interest was never credited back to the account. I am in the process of applying for a Mortgage. Citibank reported my account as past due, which resulted in my not qualifying for the rate I had been promised by the loan officer. The loan officer told me I could write a letter of explanation and attach a letter from Citi showing my account number and the current balance due. She explained that time was of the essence. I immediately called Citi and the agent agreed to fax the letter to the Loan Officer and upload a copy to my Citi portal. She said that was the quickest turn around she could offer. She never uploaded the letter to my portal and the letter she faxed to the Loan Officer, which arrived 24 hours later, was not correct as it did n't include my full account number. ( As an aside three days prior I inquired with Citi to find out what " flags '' they put on my account. The Customer Service Agent who I spoke with at length told me he would research and call me back the following Monday to explain. He never did. ) So, I called Citibank customer service again and requested to speak to a manager. I was routed to an agent named XXXX ( they do n't share their last names ) who claimed to be a Sr. Supervisor of the customer service team. XXXX told me that Citi can not provide a letter with the full account number because it 's against their policy. He said that they can only reveal a full account number in the case of an emergency and he did n't deem my situation an emergency -- even after I explained that not having the correct documentation timely would cost me several thousand dollars. My loan officer explained to XXXX that the request for a letter with full account number and balance due is a routine request from lenders. He would n't budge and refused to escalate my call to a more senior person at Citi.

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 non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On  XXXX / XXXX /  XXXX  , Navient received my payment for  XXXX  loans :  XXXX     XXXX   XXXX     XXXX    XXXX   XXXX      Loan   XXXX  got paid off completely, next loan  XXXX  was suppose to be paid off as well, it turned out my payment was more then enough, so they kept a credit of {$1800.00} against this loan without informing me. I emailed them after a week to use this credit amount and pay it towards  XXXX  loan. After a week they finally did it but : instead of making a payment  ( {$1800.00} ) tow ard loan  XXXX  they transferred all of the funds that were paid towards loan  XXXX  to loan  XXXX  so now loan  XXXX  has a credit of {$1300.00}, and loan  XXXX  is back to original state. Also loan  XXXX  bears higher interest rate. So after  XXXX  weeks from repayment I am still being charged interest on loans that were suppose to be repaid while they hold credit balances on paid off loans.     I refuse to call them, they have terrible customer service, I do n't have time to spend  2 h ours on the phone with them. They do n't respond to my emails anymore. Please help.     Thank You.

Company response to consumer: Closed with explanation