vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Conn's, Inc.
State: LA

Complaint narrative:
I had been struggling to pay my loan anyway, but on XXXX XXXX, I was rushed to the hospital for having XXXX. XXXX was ruled out, and the XXXX are stemming from my XXXX from XXXX. I wasnt released until XXXX XXXX. On release, I am restricted from working, driving, and any military duty until released by a XXXX. I was put on FMLA at work with no access to an income. I then had XXXX XXXX on XXXX XXXX, which has me limited also. I ran out of FMLA time at work, so I had to resign. I can not get unemployment, because I can not accept a job when called. I have no income still. Family and friends were helping as much as they could, but even they are limited on income. I have no home, so I live with my dad now. I was living with my girlfriend, but was thrown out over personal issues. The merchandise is still at her house. I told Conns all this, multiple times. Ive told them to come pick up the merchandise, but they had opted to push calls back instead or offer me a reasonable payment to catch up. My bank account is negative, I can not pay my health insurance, and my ex is paying my cell phone to keep it on. So the last thing Im concerned about is a loan I can not pay either. I told them to pick the merchandise up again, and they want me to be there. Im not there right now. They turn everything I say around on me instead of listening and helping me. Im trying to file bankruptcy, that Ive also told Conns, but I dont have money for that either. They are calling me everyday now since Friday at least. It seems to me that they are harassing me and/or trying to annoy me to get a payment. Ive even told them to stop calling and take me to court. I dont know what else to do!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/17 my bank account showed two pending credit charges to a company called XXXX XXXX. Both Charges were in the amount of {$190.00}. I contacted Regions Bank and they canceled my card, but told me it would be awhile while they research the possible fraudulent charges. So, two days before XXXX I have no money. I contacted the company and they said they were able to catch and cancel the fraudulent charges and issued a refund. Called Regions back and they told me they dont issue conditional credits while they research and there is nothing they can do until the investigation is complete. We spoke to a customer manager, XXXX XXXX, but when we called back we couldnt be reconnected to her for some reason. This does not seem fair or correct.

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 2017-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
1 - I mailed a payoff request letter on XX/XX/XXXX Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
2 - I requested a payoff via the vendor 's email account on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.
3 - I requested a payoff via the vendor website on XX/XX/XXXX. Never received the information from the lender. Turn around time was three ( 3 ) business days, per the lender.

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 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I initially took out this loan out in XX/XX/XXXX because I was in a financial bind. I planned to pay it back within two pay periods, however we then got hit with hurricane Irma. I have been paying XXXX every two weeks since XX/XX/XXXX on a XXXX loan. I have paid XXXX to date on this loan and still owe XXXX if I paid it in full or 4 payments left. I can no longer afford this loan the payments on this loan and believe the terms are deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 2017-11-22 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XXXX XXXX, 2017 I submitted a dispute via XXXX about an account I previously had with Citizens Bank. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from XXXX I noticed I had been reported for an account abuse closure by Citizens Bank. While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from XXXX one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the Citizens Bank collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for Citizens Bank when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to XXXX because Citizens knew that for that particular agency abuse could mean anything and would n't be questioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OK

Complaint narrative:
For 1 year now I have been trying to save this home I sent paper over 10 times they say they never got it I offered to pay house off they refuse to work with me

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 2017-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
We were in the path of hurricane Harvey. We applied and was accepted for the disaster relief. TD Auto Finance ( TDAF ) felled to do the paperwork on their end. We have contacted them 7 times regarding this matter. Each time they say it will be correct within 48 hours ( 2 business days ). It has still not been corrected. This was in early XXXX, we were granted a 2 month extension. On XXXX XXXX 2017 they reported on my credit report that I am 30 -59 days past due. This decreased my XXXX score by 49 points and my XXXX score by 34 points. This has created another financial hardship on us ( we  were trying to buy a new vehicle ). Since the relief period, we have made two payments and bot times we were told the problem would be handled. Now this ... 
Now we are unable to get a good loan due to the incorrect reporting from this company. We are not trying to say we are perfect, we are not. The incorrect reporting hinders us greatly. 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am set up for online credit card payments with XXXX XXXX  Services and I made a payment of {$240.00} ( the minimum payment ) by the due date of XXXX/XXXX/2017. However, they are claiming my XXXX payment was late because it was paid after the " cutoff '' time, which is not noted anywhere on their website 's payment portal. As a result, I was charged a late fee of {$27.00} for supposedly making a late payment. I do not believe they should charge this fee when they do not make it clear when the " cutoff '' time is. I have attached screenshots of their online payment portal and I would appreciate if your agency would look into this.

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 2017-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I have been making payments on my student loans from Navient for at least five years. The principal balance for one of my two loans with them was {$13000.00} - taken out when I was in college in XXXX. I began making payments toward this loan in XXXX, and at first was making full payments toward the principal. In XXXX, I switched to interest-only payments due to my financial situation. That lasted for two years. In 2014, I again began making full payments on the loan. In the three years that I have been making full payments, my principal balance has not decreased at all. According to Navient 's records, I still owe {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This is an ongoing problem for which I have complained many times to the company, to no avail. I use a XXXX service ( virtual private network ) to surf the internet, especially for financial translations, like credit cards or online banking. I do not connect to the internet via wi-fi. For all my other online credit card access ( at least 7 other credit cards ), I am able to log into and check my accounts with no problems. I only have a login problem with Citibank. I get a " temporarily down '' error message. The customer service reps say that 's a generic message. On XXXX/XXXX/XXXX, I sent their technical team an email with a screen shot of the error message which also shows that their site is considered a " trusted site '' by my ad blocking software, but they have not responded. I simply do n't understand why I have no problems logging into other credit card accounts using a XXXX, but not Citibank.

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 2017-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
1.I was steered toward a refinance cash out loan after I requested an equity line of credit loan to make repairs to my home. 

2.Loan was denied based on needed repairs revealed by the appraisal that I paid for in advance. The appraisal on XXXX was for more than the loan amount ( {$54000.00} ). I was not offered a different kind of loan or a lower amount.
3. Subsequent appraisal by a different bank on XXXX revealed a property value of {$75000.00} and no repairs needed. 

4. I believe the appraisal was rigged as a pretext. The true denial was for age and zip code bias. 

Loan App # XXXX for {$50000.00} with Navy Federal Credit Union. 
Applied on or about XXXX XXXX, XXXX. 

XXXX XXXX, mortgage processor. XXXXXXXXXXXX ; phone XXXX, ext XXXX XXXX XXXX, supervisor XXXXXXXXXXXX ; phone XXXX. 

I spoke with XXXX XXXX on or about XXXX and was told I have no recourse since I agreed that the appraisal fee was non-refundable. I assumed that it was a protection for the bank against an overstated valuation by the applicant not a device to deny a loan for their own purposes. 



XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have recently found that I was the victim of identity theft/fraud/unauthorized use of my XXXX XXXX credit card accounts. I then obtained my credit reports and have found the following inaccurate information which I demand be immediately removed from my credit reports. 
Creditor : XXXX XXXX Account Numbers : XXXX Balance : {>= $1,000,000} Balance : {>= $1,000,000} Balance : $ Status : Past Due XXXX/XXXX/XXXX This information is inaccurate and false. These balances are the result of identity theft/fraud/unauthorized use of my XXXX XXXX credit card accounts. Upon realizing this I immediately contacted local law enforcement officials and they completed a police report. I have attached a copy of the police report from the XXXX XXXX Police Department XXXX XXXX XXXX for your review. XXXX XXXX has suggested you call him if needed at 717-274-Therefore, I demand that these accounts be removed from my credit immediately

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 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card accounts.

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 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card accounts.

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 2017-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
The company Medical data Systems , Inc. of XXXX florida when contacted could n't provide any information or bill to show that I actually owed a debt. When I asked for the confirmation of the debt they responded that they did n't have the information and even without the information to confirm the existence of a debt they refused to remove it from my credit report. 

I called and talked with a representative, a supervisor and the both of them refused and could not provide information on the debt. They just stated it was valid. I asked for a copy of the debt and they said they did n't have it. they both also stated that they could n't nor would not remove the information from my credit report. 

They have neither the information of who owes the debt not can they provide a copy of it saying I actually owe it. 

6 phone calls were made on XXXX XXXX, 2017

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 2017-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I had originally been lent my private student loans by citi bank back in XX/XX/XXXXto XXXX, later sold to XXXX. It was not made clear to me what the length of the term would be or the double digit interest rate until after graduation.

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 2017-11-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 2017-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Someone broke into my wife car, stole her driver license. Then broke into someone else car and stole their checkbook. Then wrote a check for {$1900.00} to my wife. Then using my wife driver license, went to the bank and cash the check. When the check bounced, the bank took {$1900.00} from our account to cover the loss. 
When we contact the bank we were told that this is not a simple fraud case and that we need to WAIT 60 BUSINESSES days before they can determine a solution. Obviously, the teller that cash the check didnt follow the bank policy and didnt confirm that the person that were cashing the check was not my wife. We have a police report and we also contact the bank on the day that my wifes identity was stolen to cancel our credit cards, checks, etc.

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 2017-11-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: FL

Complaint narrative:
This complaint pertains to illegal business practices employed by PrimeLending ( XXXX XXXX ). 

They service my primary residence mortgage. 

As a result of hurricane Irma, I was granted a 3-month disaster forbearance payment deferment, which covers the months of XXXX, XXXX and XX/XX/XXXX, with regular payment resuming on XX/XX/XXXX. 

Despite my loan being put on hold, I get assaulted by daily calls, emails and default letters. I called PrimeLending several times and tried to explain that I am not supposed to make ANY payments until XX/XX/XXXX - which they have acknowledged every time while promising to end the illegal debt collection efforts. 
Despite their promises, I keep getting hit with collections calls, default letters and emails. 
The explanation I was given was " our system is outdated '' and can not stop sending those notifications despite me being on a forbearance plan. 

I plan on filling complaints with BBB and all other agencies and cousumer protection and advocacies entities to make this stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
XXXX Student Loan From what my account is showing is that interest should be accrued at a variable rate of 7.42 %. I have realized that interest is actually being accrued daily at a rate of 7.43 %. 

I have had an accountant look at the loan and the accrued interest is not what they are tell me the rate is.

Company response to consumer: Closed with explanation