vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: DE

Complaint narrative:
In late XX/XX/XXXX I got a reverse mortgage through XXXX XXXX XXXX XXXX  and their agent XXXX XXXX XXXX. The contract calls for me to email a draw request for funds, then the money is transferred to my checking account within the agreed upon 5 business days. 
On XX/XX/XXXX I made a request for funds. 
On XX/XX/XXXX I asked for an acknowledgement of my request. No reply. 
On XX/XX/XXXX I sent a second request for acknowledgment. No reply. 
On XX/XX/XXXX I sent another email subject " are you out there ''. 
On XX/XX/XXXX, I finally did get an automated reply from XXXX  XXXX XXXX including " This is being sent to you to acknowledge the receipt of your e-mail. Please note that it is not necessary to submit your e-mail more than once. '' ( See attached emails. ) On XX/XX/XXXX - I still did not have my money, I finally called XXXX XXXX and was told just because I see that I sent emails does not mean they got the emails?! I was told maybe I had the wrong email address. Later XXXX XXXX XXXX XXXX  had a supervisor from XXXX XXXX   call me - she also suggested maybe I transposed some wrong letters in the email address. She would try to expedite the matter for me. 

XX/XX/XXXX, today, and still no money way past the 5 day period. I am about to incur a {$500.00} late penalty for not paying my yearly condo fee on time. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I tried to get all credit bureau to get this collection agencies to verify that I owe the debt multiple times, by having this collection agencies mail proof that I owe this debt, and more importantly document showing that they have the right to collect on this debt. Instead they continue to come back with a resolution that they have verified the information as correct on my credit profile. However no proof from such collection agencies that I owe this debt are being provided. I would like a hard copy to be mailed out to my address from this agencies showing proof NOT a bill or last statement as previous.

This collection agencies must show evidence of authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is their authorization of law for their collection of information?

What is their authorization of law for of their collection of this alleged debt?

Please evidence their authorization to do business or operate in the state of New York.

Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Until these validation is proven and complete the to my and law satisfaction, I will be continue to seek proof of such debts from collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This morning when I arrived to work there was a phone call from Navient. They did not leave a message. Later in the morning, Human Resources provided me with a fax regarding a request for employment information. It was assumed that I was looking for work. This could put my current job in jeopardy. I have not contacted Navient to discuss this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
This was a {$1000.00} line of credit and XXXX XXXXXXXX ( XXXX  ) has placed a collection on my credit report.

I have contacted XXXX XXXX, which referred me to Halsted, I have contacted them a few times to set up payment arrangements, and have not received a call back.

Every-time I call someone is going to call me back, but never receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to Ocwen Loan Servicing. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially modified by XXXX  XXXX XXXX prior to being transferred to Ocwen Loan Servicing. I sent 3 mortgage payments to Ocwen Loan Servicing. After Ocwen Loan Servicing received the 3 payments they submitted fraudulent documents for me to sign to double my monthly payments, which caused my home to go into foreclosure. I was forced to moved out of my home after all of the harassing phone calls from Ms. XXXX XXXX. Ocwen Loan Servicing are monsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I started employment with the XXXX XXXX in XX/XX/XXXX. I consolidated my student loans with XXXX in XX/XX/XXXX to qualify for the PSLF program and made payments under the qualifying repayment options for the PSLF. In XX/XX/XXXX I secured a letter from my employer for the PSLF. Automatically, XXXX took over my XXXX consolidated loans and sent me a bill with incorrect information regarding my PSLF payments ( they claim I only made 1 qualifying payment on my DLSCNS and 23 qualifying payments on my DLUCNS ). This is incorrect because I had made 49 qualifying payments to both DLSCNS and DLUCNS. I contacted XXXX at their call center several times to correct their mistake but they have not corrected the information. I have kept paying my student loans with them making the qualifying payments since I am in a qualifying repayment plan with them. However, XXXX sent me the XXXX bill which still shows 1 qualifying payment on my DLSCNS and 23 qualifying payments on my DLUCNS. This is still incorrect because I have made 57 qualifying payments to both DLSCNS and DLUCNS.  Please help me correct XXXX mistake in calculating my PSLF qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11 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: MA

Complaint narrative:
I was on a rehabilitation plan to bring my loans current. When that period was up, my payments went up well over {$400.00} with Navient. When I called to lower them, the only option they gave me was to extend the loans, which only lowered the payment by around {$150.00}. I had no choice but to take the option, as I could not afford the payments, even though this wasn't even much lower. I asked about Income Based Repayment plans, and was quickly dismissed, with the rep saying it would be an exuberant amount and that it wasn't worth it. When I asked to go through the process anyway, she told me this new extended amount was the lowest it would be. I took the extended amount, and feel like I was pushed into a corner. I do not feel like I was helped properly. It seems as though Navient benefits more from the extended amount, and therefore did not want to give me the option to choose IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I received a XXXX XXXX check from XXXX XXXX which I deposited on XX/XX/2019. PNC. PNC erroneously rejected the XXXX XXXX deposit on XX/XX/XXXX and then had the unmitigated gaul to charge me a {$12.00} service charge on XX/XX/XXXX. I called PNC XX/XX/XXXX and requested a reversal of the {$12.00}. I spoke with PNC rep XXXX XXXX who had no business common sense whatsoever. Instead of reversing the transaction of a 30 years customer with very high balances he chose to not refund my {$12.00} even though he could see the XXXX XXXX check was valid and that the {$12.00} service charge was based on a error by PNC. I want my {$12.00} refund, PNC to be reprimanded and PNC reps to be retrained.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Fell behind on loan due to not being able to work. Branch manager has continuously come to my home, call harassing references and people that I didnt list on loan application

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 2019-01-11 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:
On XX/XX/XXXX I noticed a {$50.00} debit to my XXXX XXXX   account, debited by US Bank. I found out that US Bank debited {$50.00} to cover two separate, identical {$25.00} membership fees that appeared on my XX/XX/XXXX US Bank statement. Im not sure why there are two identical membership fees in the same month, for the same year.

I have not used my US Bank card in recent memory, perhaps for the last couple of years. I no longer have possession of a US Bank credit card, although my account remains open.

As far as I can tell, I was not charged a membership fee in XX/XX/XXXX. I checked my online US Bank statements from XX/XX/XXXX, and no membership fees appear. Additionally, I performed a search of my XXXX XXXX  statements from the last 24 months, and no debits in the amount of {$25.00} or {$50.00} fees appear in my XXXX XXXX activity. My XXXX  account is linked to my US Bank account, and so if I had been charged a US Bank fee in XX/XX/XXXX, I presume that would have been debited from my XXXX account. Had I been told by US Bank that a US Bank membership fee would be instated in XX/XX/XXXX, I would have closed the US Bank account.

I called US Bank and was told the membership fee cant be waived, refunded, or credited. A supervisor there also told me that she does not know if or when I paid membership fees in the past. She seemed unfamiliar and unable to verify if this is a newly instated fee or if I was ever charged the fee in XX/XX/XXXX. When I asked to speak to a higher-up, she told me that is not possible.

I would like US Bank to refund {$50.00} in fees and then close my account 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 2019-01-11 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I just recently submitted a dispute to Experian Credit Bureau on XX/XX/XXXX. They have just notified me on XX/XX/XXXX that the dispute has been updated and the results are to stay the same. XXXX XXXX XXXX ( a collection agency ) has been negatively reporting on my credit a balance of {$2200.00} since XX/XX/XXXXof XX/XX/XXXX. I have made numerous attempts to remove this false report since then which includes : contacting the realty company that initially sent the debt to XXXX XXXX XXXX, contacting the collection agency via phone and by mail, and several disputes with my credit bureau. XXXX XXXX XXXX   and the realty company is claiming that I did not provide sufficient notice of my move out date. I have provided sufficient evidence showing that a notice was provided and that all fees were paid prior to move out date, however, this claim keeps getting rejected. Due to this false claim, I was forced to move into second chance leasing where I have encountered several dangerous situations and it is preventing me and my family from being in a safer neighborhood.

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 2019-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: PA

Complaint narrative:
I opened an account with Discover Bank over the phone within the past month. I wanted to set up internet access so I used the computer at the library, as I don't have internet access at home. I input the information to access my account online - Date of Birth, Social Security Number, Mother 's Maiden Name - without thinking that a library employee or anyone looking over my shoulder would be able to see this. URGENT - THIS NEEDS TO BE HIDDEN WITH ***** AS IT IS INPUT. 

I will of course contact Discover, but this is of EXTREME importance due to a very high risk of identity theft. It is unprofessional to say the least, and exposes Discover Bank to liability in encouraging customers to provide personal information without hiding it. Every other bank I've ever dealt with has the sense to hide personal information on the screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CO

Complaint narrative:
On Monday XX/XX/2019 I received a phone call from erc about a XXXX bill that I do owe. when I told them there is no way I could come up with {$1000.00} at the moment a collector and a supervisor by the name of XXXX  threatened to report the account to my credit if I did not pay them by the XXXX  of XX/XX/2019. when I asked about how their credit reporting works and how often they reported to the credit bureaus they neve answered my question and instead kept telling me that they were going to report to my credit because I could not pay. then on XX/XX/XXXX-XX/XX/XXXX of 2019 I received harassing phone calls 5 times in 2 days with 4 voice mails and no message left on the voicemails just back ground noise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
As of XX/XX/2019, my XXXX  credit report shows a debt collection from Midwest Recovery Systems in the amount of {$890.00}. I do not know what this is for. I've not been notified via phone call or mail that I owe this amount and to whom. My credit score has dropped significantly due to this erroneous data.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: CA

Complaint narrative:
I RECENTLY PULLED MY CREDIT REPORT FROM EXPERIAN, XXXX AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT ( BANKRUPTCY -DOCKET NO : XXXX  ) IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.

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 2019-01-11 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased two {$500.00} visa gift card from XXXX, and give them to my husband. On XX/XX/XXXX, when he tried to use one of the card, he found that was no enough banlance, and when he checked it online, found there is only {$4.00} in the card. We called the gift card customer service, they asked us to submit a dispute form. We did that, after a few days, they sent us a replaced card, there is still only {$4.00} in the card. They also closed the old gift card at once, when I tried to check the status of the old card, the page shows error. 
On XX/XX/XXXX, still no update. We called the gift card customer service again, they said they closed our case because they sent us a mail and need more document but we didnt give, but we never received such a mail! They need us to show the original purchase proof, but after 2 months, I cant find the receipt. So we submitted the new dispute form and the bank statement and the transaction details to them, they agreed to take a look and asked we called them later to check. Yesterday, we called them again, they refused to reopen the case and said they will not give us the refund for the {$490.00}. They asked me to contact the XXXX to get the receipt, and when I arrived the XXXX, they told me only the manager may help me to find the receipt, but the manager is not there. They asked me to left my information, and he/she will contact me later. No response. I paid {$500.00} ( {$500.00} for the card, XXXX for the card processing fee ) for the card but only get {$4.00}. I called them several times, they agreed to give me a solution but now they refuse to give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I am a veteran that has a VA rating 100 % based on my XXXX XXXX. My loans were approved for discharged by XXXX  XXXX XXXX department. The letter stated that my loan holders had 150 days to return any payments I have made since the date of my XXXX  by the VA.

The approval letter from XXXX XXXX XXXX XXXX was XX/XX/2018. My other loans had re paid all my payments and have discharged my account and closed the account. XXXX, as of now, has yet to repay me for payments made and every time I call, no one seems to know the status of my account. I have talked to supervisors, who gives false statements to get me off the phone.

I talked to a supervisor who stated that it was the responsibility of my other loan holders to re-issue payments to me.

Another supervisor, explained that it was the responsibility of the Department of Education to discharge loans and to issue out any payments.

The 150 day period for repayment was due XX/XX/2018. I have not received any letter or phone calls regarding the status of my account and payment refunded to me.

Its sad that veterans and others get treated like this from a company who refers its lead as a place that takes care of its customers. I have XXXX   and I get so frustrated and angry when I talk to one of their representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
I am pleading with you to please help me with my lienholder, Pennymac. About 8 months ago, we had to stop making payments due to financial hardship. We are a family that goes above and beyond for each other. We've had XXXX if not XXXX of our kids live with us during our duration of owning the home. Back in XX/XX/XXXX my wife had to have XXXX and that put our income down to one. Then in XX/XX/XXXX/XX/XX/XXXX my wife started experiencing XXXX  and XXXX XXXX XXXX XXXX which made her part time job even more part time. In XX/XX/XXXX, my wife had to have XXXX XXXX due to a XXXX XXXX XXXX XXXX XXXX. There was very XXXX  XXXX XXXX  going down her XXXX. Due to that XXXX she has not been able to return to work due to XXXX XXXX XXXX XXXX XXXX XXXX. Finding a job that she can do has been difficult for her. We did get a modification during XX/XX/XXXX and things were going ok until our property taxes went up so much that it raised our payment by XXXX. There fore making our payment higher than the original payment. While trying to help our kids during this time as well, I changed my withholdings and forgot to change them back. Which resulted in the IRS putting my withholdings at XXXX and freezing it so i can't change it. This has really put us in a position of having to figure out what to pay and not pay. We knew months ago that we would not be able to get caught up so we decided to put the house on the market for XXXX without doing any kind of short sale. For we had no intentions of a short sell at all. We finally got an offer, but due to repairs that need to be done on the house, the buyer backed out. We could not afford to fix the repairs. During the time that this all this is going on, my wife 's nephew and girlfriend left there son here and have not returned. We are now taking care of him and trying to figure out how to keep all the bills paid. On XXXX XXXX my wife was in a car accident and is going through all kinds of XXXX and doctors appt, so for her to look for work is out of the question at this time. This is a real financial hardship for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11 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: MI

Complaint narrative:
My federal student loans are with Navient. I qualify for the XXXX   Loan Forgiveness program and, to date, have submitted 3 different applications for that - all three being denied. For the second application attempt, two items were reported that I had to fix in order to reapply. I took care of those two items and resubmitted. That third submission was denied and this time they listed 3 different items that caused the denial. I submitted the same form as I did for the second submission ; the only difference is that the third one was corrected for the two items Navient said were missing in my second submission. Also, now they've put me on forbearance - they say to help me prepare yet another application for the forgiveness program. I do not want the forbearance because I've heard about the lawsuits against Navient. Thinking back, they have done the same after my earlier applications, so I believe I'm subject to the same illegal practices as loan holders in the 5 states suing Navient. However, I live in Michigan, a state that is not involved in the lawsuit. It is also the home of XXXX XXXX! In the meantime, I am looking into transferring those loans to my bank, as it was not my decision to have my loans transferred from the original loanholder, XXXX, to Navient.

Company response to consumer: Closed with explanation