vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
Whomever CBE Group is trying to reach does not belong to the number they are calling. CBE Group calls the house several times a day. When I answer the call, they hang up without saying a word. Whomever they are trying to reach does not have this phone number or live at this address. If they do n't stop calling I will have to take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
On XXXX/XXXX/2016, My husband and I called Western Union to make a payment to XXXX ( because they refused to take a payment directly from me ). Western union confirmed the code and company I asked them to send it to as XXXX XXXX code CA and proceeded to send my payment to XXXX instead of XXXX. Now XXXX has a repo out on my lease for being ONE payment behind ( which is ridiculous ) and western union will take no accountability for THEIR error. I called western union on XXXX, XXXX, and XXXX and each time all they say is the funds never came back and there is nothing they can do ... XXXX does n't care and said there is nothing THEY can do and said they are going to take my car. IN order to make this payment i had to max out my credit card so its not like i can just pull money out of thin air to cushion their a mistake that was beyond my control. This whole situation is beyond asinine! it blows my mind that XXXX can give a XXXX less about their consumers when they pay XXXX of dollars for a product. Further more it sickens me to think western union can get away with causing my car to be repossessed thanks to them dragging their feet and doing NOTHING to rectify this situation. All the calls are recorded so there is NO EXCUSE for it taking an entire week to resolve an issue that they created. It also is beyond inexcusable that XXXX cant do a thing to put my account on a freeze or something until western union resolves this. I am beyond disgusted that my life can be ruined by XXXX TERRIBLE companies that do n't give a XXXX about the consumers they service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Automobile that was purchased through the SECU and repossessed 20+ years ago. Credit Union could n't provide me with original copies of information on it and a personal loan in the amount of {$2000.00} for the car and {$480.00} for the personal loan. Total of {$2400.00}. Refusing to allow me to open an account because of this unresolved issue although I meet the eligibility criteria. Thank you

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 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Loan provider Navient keeps removing address from their records. This results in not receiving the monthly bill and the servicer then charging late fees and negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My Private Student Loan Company Navient will not work with me on making smaller payments. My co-singer filed for bankruptcy and they did not remove him from the loan. I made 24 consecutive payments and tried to take him off and they still wont. He has XXXX and can not help with payments. I tried to tell them how much i could afford each month but they said that was not good enough. They want a payment that is out of my range of income. When I was making the payments they where coming out of my bank account automatically it ended in XXXX. They started calling me and telling me i was late with payments when it was automatically coming out of my bank. Well my payment arrangement ended in XXXX and I did not know that so they started charging me late fees that racked up my payments. They like to talk in terms that I do not understand and are not willing to work with the payments that I an afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I want to pay my student loans back, however, the payment that they are asking me to pay is very high. I will not be able to eat ; I have to have a car to get to work in order to pay them. 
Also I have student loans for my children, whom I helped to get a higher education.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have submitted via certified mail a copy of my police report detailing the crime of identity theft that was committed against me. I also included proof of my identity and a legal statement regarding this matter. Transunion somehow has ignored this documentation as it has been over thirty days since they received it and I have not seen any action taken. My police report was filed in person and my dispute meets FCRA requirements.

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 2017-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX account number is XXXX. Student loan company is Navient. I have tried on several occasion to see about lowering my account to be able to afford my due to other bill and I am feeling overwhelm, my bill never seem to go down, they continually harass my father and I, my father has XXXX and is unable to assistant. so I discuss that I can pay XXXX dollars a month because I have other student loans as well and Food, clothing and shelter. They said they cant comply with my request. the original loan amount is {$6500.00} and now that are said I owe {$10000.00}. My monthly payment are {$130.00} a month. XXXX went on to ask me how i get money to pay my other bill and I told that was personal. I could like some corporation with them in this matter. I need pay lower so I can survive. My phone number is XXXX. Please help before I am forced to file bankruptcy. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient hired XXXX XXXX XXXX XXXX to collect on a private student loan. XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment XXXX online payment website and they had XXXX different credit cards saved under my name and account information. XXXX is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that XXXX does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. XXXX is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. XXXX lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Hello, I cosigned a student loan back in college for a roommate of mine. Though now I know this is a risky situation, I did not know at the time. Recently, I applied for a job in which I was offered a position but once a credit report was obtained, I can not be hired until the student loan is not late. I am just the co-signer and can not make payments on it. I am trying to start my life anew, as I have a baby on the way ( due in XXXX XXXX I NEED the income. I know for a fact that the borrower has a job and is able to make the payments. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I asked for the full verification of this account and the company removed it and then put it back on a week later without giving me verification I called the company back and they keep giving me the run around. I told the company I was asking under the Fair Debt collection Practices Act and what I was told was they do n't have to give us anything but a bill they sent me from their company but we never dealt with their company which is midland credit company. I am waiting for a manager now. XXXX XXXX who is the manager had no information about the account and gave me more of the run around the company will not comply with the Fair Debt Collection Practices Act. I 'm now talking to XXXX XXXX ( id # ) XXXX and asked for information under Fair Debt Collection Practices Act was told he does not have the contracts to show me and does not have to have the contract. XXXX XXXX ( Id # XXXX ) she told me they can add money to the debt. the debt is XXXX but midland reported XXXX. XXXX XXXX ( id XXXX ) he does n't no you cant report interest. he also said just a bill was complaint with the Fair Debt Collection Practices Act law they sent me a bill and he said that 's all he 's required to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have requested a full account of all of the payments I have made against this loan and Navient was not able to provide. This is a loan that was taken out in 2001 and the original loan amount was for {$7600.00}. I feel as though I was pressured into getting the loan and even though I did n't not complete the program I was still obligated to pay the full amount. I owe more now that what the original loan was for, I feel like this was predatory lending and would like some kind of resolution but Navient has not been willing to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I have been reported to ews by XXXX XXXX XXXX, XXXX, XXXX and XXXX, all of which are fraudulent accounts due to my identity being stolen. I have placed blocks on my credit reports as well as Chex systems. I have exhausted all options to have them removed on my own. I 've filed identity theft reports with FTC as well as my local police department to no avail. According to the fcra I have the right to have these blocked and not used against me, in which they 're not blocked as I was denied a checking acccount recently due to this. I need these accounts removed once and for all, it has really hindered my life. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I 'm a XXXX student at XXXX XXXX. I had previously been a grad student at XXXX XXXX XXXX XXXX XXXX, but I transferred for the XXXX 2015. Then:1. Navient took me off deferment despite being enrolled full-time ( my federal loans continued deferment without issue ; I do not have enough income to pay loans ). 
2. They gave me the option of forbearance for the interim 2 months until they ( hopefully ) have enough evidence that I am enrolled full time in school. They would not explain how this forbearance would affect interest rates or the principal. 
3. I paid {$150.00} over the phone a forbearance fee to put my accounts into forbearance ; the next day I had fraud on my bank account ( not sure if this is related? ). I called them immediately to stop the check # and submitted a new check #. 
4. They repeatedly tried cashing the voided check causing fees on my checking account, and though they successfully cashed the XXXX {$150.00} check, and gave me a forbearance-in-effect confirmation number, have ( despite repeated calls and many submitted forms of evidence from my bank ) put my accounts as past due and say that they did not deduct this money from my account. 
5. The information they have on my account states that I am still gainfully employed at my former position, a job I left over two years ago. My account was deferred due to my time at XXXX XXXX, so clearly it was once updated to reflect my full-time student status ; their record keeping is vastly out of sorts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I work late alot of the time and couldnt make the bank, SECU, in time. So I deposited my payroll check in one of their atm's.Friends had told me that their banks deposit allowed them to make an up to XXXX dollar withdraw after transaction. I was wrong in thinking same. But i wrote to the bank, for my balance immediately showed my paycheck there. and asked when my money would be available. They wrote back informing me that it would be the very next business day, no later than XXXX. I had deposited on the XXXX of XXXX XXXX. Friday was a holiday so noone was going to see it then. Closed XXXX, so not then either. Monday was the next business day. I still have no access to my money. My phone was cut off this morning, my kids are hungry, and one is sick, to which i cant go buy medecine. When i called to see what the problem was, I was informed that today wasnt the next business day because of the deposit time. Really? 4 days later and no one dealt with deposits all day? I 'm almost furious about this. Bills still unpaid and sat home all weekend due to money being withheld. So you can imagine my surprise when I tried to withdraw money around XXXX today. and that 's after my card was declined at lunch. I figured its not XXXX yet. I feel that someone is doing this on purpose because i suggested they might want to have someone work weekends and holidays to handle deposits since they have 24 hour customer service. Very Disgruntled, 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 2015-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I signed up for XXXX XXXX 2015. I provided them with a debit card number ending in XXXX. I was not aware that my XXXX month subscription would automatically renew until I saw an additional charge debited from my account on XXXX XXXX in the amount {$110.00}. The card that I provided to them in XXXX 2015 was deactivated XXXX 2015. I never provided XXXX with the card number for the new debit card because I just assumed that once my XXXX months were up that my subscription would just end. I contacted XXXX and they refused to refund my money. I contacted Bank of America where the account is located and filed a dispute. They informed me that XXXX has the ability to provide them updated information even though I did not provide that information to merchant. I have never heard of such a thing. My account is now overdrawn because of a charge that I did not authorize.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX is the manager of my loan officer XXXX XXXX at Bank of America. I started to contact him regarding to my loan when XXXX XXXX was gone for vacation. I was told by XXXX that I could use my business fund to pay down payment and got a lower interest rate before he took vacation. I called XXXX XXXX and explained what XXXX told me. XXXX XXXX started to act as he was the boss. We just need to do what he asks. He does n't agree to give lower rate. He requested me to send all the invoices to my customers for a whole past year to prove my business fund is good fund to use to pay down payment. I did what he requested, sent all the invoices to him by email on XXXX XXXX. I followed up with emails and phone calls. But he never responded, and never gave any explanations. 

The loan was closed on XXXX and we never got lower interest rate as promised without any explanations. We are paying 0.25 % higher interest rate, about $ XXXX $ XXXX/month for mortgage payment now. 

XXXX XXXX is unprofessional and lack of professional ethics. He does n't have respect to other people and he treated his customers as his staff without respect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied over the phone for a mortgage with Bank of America on XXXX/XXXX/2015. I gave them permission to pull out my credit for that day. While I was checking my credit file, I discovered they made another hard inquiry again on XXXX/XXXX/2015 without my permission. I emailed the loan officer and I never get any response. I contacted the credit bureau, they said they can not remove it. They advice me to file an identity theft complaint with you and mail to result to them to remove that inquiry from my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX I paid submitted a payment for my Bank of America Credit Card on the Bank of America 's web page to be posted to my account for XXXX XXXX. Their web page said they had a new system to do this, then processed my request and gave me a confirmation number of XXXX. XX/XX/XXXX, I received a notice that I did not pay my credit card and they charged me a {$25.00} for a late payment fee. I contacted them and I told them I did submit a payment through their web page and gave them the confirmation number. They said they will look into it and it may take 10 business days. On XXXX XXXX I received a letter saying they can not find record of receiving a payment and that they can not investigate a payment through a third party vendor. They gave the incident case number XXXX. 

I did not use a third party vendor. I used their own web page. I had a confirmation number their own web page gave me. Their NEW system obviously made the error and never charged my checking account for the payment. I should not be fined {$25.00} for the glitches in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been with Bank of America for 27 years. Now the bank and the unfair fees continue to take my money and put my balances in the red. They take my money and I have to replace the money in order to pay my bills or else I will be charged an overdraft fee of {$35.00} after the bank took my money. I am charged overdraft protection fees of {$81.00} on XX/XX/XXXX and again {$81.00} from another account. Teller witdrawal fee of {$10.00} on XX/XX/XXXX and non teller fees of {$10.00} and then a maintenance feeof {$12.00} and another non teller fee of {$5.00} the bank is taking my money and putting me in the red so I have to replace the money they put into their pockets. There 's no reason or consistancy. I am on a fixed income I do n't have the extra money to replace.

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