vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
They call my cell phone from different numbers throughout the day everyday and my work phone. I had a message at work to call the guy from the actual company which tells my coworker where the call is from. Just today a girl called me from a cell phone and when I answered and realized who it was from I hung up. She called me back to back at least five times.

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 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Vision Financial Corp.
State: MA

Complaint narrative:
Caller keeps calling multiple times Daily from different numbers with same area code of XXXX ( Massachusetts ). Does not state company name or purpose of call. Continuously asks me for my social security number and to verify the last XXXX digits of my social that they have on file and my address. This is not the normal behavior of a debt collector. I 'm scared and feel as if these people are trying to steal my identity and keep Harrasing for my social security number and personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
SUNBELT CREDITXXXX XXXX XXXX, XXXXThis company provide me with the service of a personal loan I 'm purchased a couple of Insurances just in case to cover the loan is like life unemployment and etcetera I informed the financial situation about it me beign unemployed they will they said they will mail me the unemployment claim package they never did so they never submit that information to the insurance company for them to pay off the balance due to unemployment and since I pay for that insurance on the loan and I inform them but they never did anything about it I try to validate the account with them but the information that they send me does not meet the Federal Credit Reporting Act criteria

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I just pulled my credit report and Hyundai Motor Financing has my payment listed as late over 30 days for XXXX 2015. I have documentation that shows that this is not true and has been continually paid. This is negatively impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently called BofA to inquire about a credit card payment. The representative who answered my called was asking me for the XXXX digit code number at the back of my debit card after giving out the my debit card information. This should be a cause for a concern. My debit card can be comprised because having giving out my debit card information and the XXXX digit code it can be used for something else. And BofA should stop doing this to its customers as a way of verifying their account.

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 2016-08-11 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: CA

Complaint narrative:
I am XXXX. I asked for payments. They said no. 
I worked in XXXX 15 years and know the FDCPA, when to accept payments, and when to sue. They think I am ignorant of collection tactics and the FDCPA. I was XXXX by the State of California XXXX. I know the rules. 
1 ) NAVIENT said you were not in school XXXX XXXX to XXXX XXXX so no deferment. I said check XXXX I WAS ENROLLED. 
2 ) I graduated in XXXX XXXX and was already getting bills and default threats without time to try to find ANYONE who would hire someone with my XXXX, have time to start a business, or raise the money in other ways. 
3 ) I OFFERED to sign a contract Navient has online - I was told those applications are only for XXXX. 
4 ) If Navient defaults me, I can be sued. I can lose my apartment, other creditors will sue because Navient hits my assets. 
5 ) I cant get a job or another apartment because THEY CHECK CREDIT. 
6 ) I SAID I WANT TO PAY what fits my Social Security XXXX and can increase payments as I sell personal items. They said NO 7 ) They said they never got the doctor 's note I emailed them - the headers on emails do not lie, Navient does. Their representative kept me on the telephone until he verified they received the email and downloaded the PDF document of the doctor 's noted. I have the date, time, and person 's name from that ay on the phone AND HE gave me the email address of Navient 's XXXX advocate. 
8 ) I told Navient if I am unemployable, have a limited income, and rendered homeless, HOW CAN I PAY what they want when I COULD HAVE BEEN paying all along? 
9 ) Navient has never said, you can consolidate he private loans. I get MANY CALLS DAILY and US mail letters. I remember rules in the FDCPA about dunning and the amount of calls per day. Navient is an omnipotent entity - they feel they are except when it comes to the law, and they are woefully ignorant that SOME MONEY is better than NO money 10 ) although Social Security has affirmed I am XXXX, why does n't Navient think I am XXXX enough? They use XXXX to " determine '' who is an IS NOT XXXX? 
11 ) It is odd that collusion between Navient and XXXX insurance company is the acceptable format in deciding the extent of XXXX. 
12 ) Thee is NOTHING anyone can say or do because Navient has us by the throat - we do what THEY want, WHEN they want, or they will ruin our chance or employment via bad credit, ruin chances to rent an apartment vi bad credit, and NOT have to go bankrupt on all other creditors. 
13 ) Per credit and collection classes I had in XXXX, certain things creditors do force individuals into " an act of bankruptcy '' ( favoring XXXX creditor over another ) PLEASE HELP. I WANT to pay, Navient says NO, you can not. Why ca n't I consolidate the private loans and avoid dozens of phone calls per week and many hard copy mail duns per month? 
Thank you, A XXXX person according o doctors and Social Security

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
When I submitted payment over the phone after settling on an amount ( half of the fee ) they ran my card, however no money came out. I have tried multiple times to receive information on the debt via MAIL and they have not sent anything ( however they claim they have ). When I contact them, some representatives refuse to speak to me without giving them my social, while others know my information before I even have a chance to talk ( via phone number. ) I am very upset and am trying to settle my debt, however I am unsuccessful at doing so. I am even having trouble with the supposed company who controls the debt. The number listed on the website says they do n't actually have the debt, leaving me confused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
This number keeps calling me telling me that I owe {$290.00} for a XXXX bill. I do not have a gas bill in my name, and I have not. I asked for the address and they gave me an old address of mine. I verified with the person who lives at that address now and they have XXXX under their own name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act, I sent this company a request to validate a frivilous account they had reported on my account. The company responded refusing to provide any proof and persevered with reporting this frivolous account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have or had XXXX Chase credit cards XX/XX/XXXX a master card and visa card that was sold to XXXX collection company. I went to court in XX/XX/XXXX and again in XX/XX/XXXX for both. The attorney did say he will dismiss the accounts that day. And they still put both into judgement even though I did appear in the courthouse. Since then I received from Chase a letter for the Master card saying they discharged it and I filed my tax papers for it, that was in XX/XX/XXXX. My Visa card is still showing a judgement and was sold to another collection company as of this year. No letter from XXXX about them selling the visa account. As of yesterday I received a letter from Chase Master Card advising me about collections Litigations and that they will no longer collect on the account. Why did they not included the Visa account as part of the ro-bo collections of the time in question? I am still not gainful employed do to being a caretaker to both parents since that same time. 
Please advise me as to my next step. Or my next step will have to be chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been on an income contingent repayment plan for the last several years, through Navient. XX/XX/XXXX, I applied for XXXX and was told my loans would need to be consolidated for this to occur and that during this process my loans would need to be put into deferment/forbearance for XX/XX/XXXX & XX/XX/XXXX. I asked at that point what my estimated repayment would be and was told they could not tell me. Also, I explicitly asked if my student loans would be accruing interest during this time as I owe more than XXXX and would like to keep the principal down by paying the interest. I was informed that my loans would NOT accrue interest and that the REPAY process would be completed in XX/XX/XXXX. To date my loans have accrued an additional {$2000.00} in interest and today when trying to find information on their website I discovered my new payment will be nearly double what my previous payment amount! It appears that they have set my loans to not be repaid until XX/XX/XXXX meaning that I am currently I am unable to do anything with my loans, including choosing a repayment plan that I am able to afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I 've reviewed my statements from Navient for the life of my loans. They have added interest and charged interest rates while I was on Deference that they are unable to explain, justify, or give an account for. This has added to my debt and has prevented me from repaying the principle payment down, as my interest payment is higher and/or more dedicated from my payments to my loans per month, even with a 3.5 % interest rate. In addition, while I have taken several Forbearances on this loan, I specifically asked a Navient Representative if I can re-apply for a deferment where my XXXX of my loans does not accrue interest. I was told that program ( non-interest bearingDeferment ) does not exist any longer and have been misled into interest bearing forbearance. I have attached the documents necessary to show the odd and predatory interest rate charges that do not adhere to mathematical or ethical standards for the life of this loan. 
This is a predatory lender and they steer into interest accruing forbearance to keep the lender in debt for longer periods of time. My circumstance for the forbearance allowed for an actual deferment, not interest bearing forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a letter from Navient dated XXXX/XXXX/XXXX that informed me that they were increasing my monthly payment even though I am enrolled in an IDR program. When I called to see what was going on they told me they had received new income information in XXXX from XXXX and that I should contact XXXX with any questions. However, I have not submitted a IDR request since XXXX/XXXX/XXXX, which was confirmed when I contacted XXXX. When I attempted to call Navient back, I was put on hold for 15 min. then hung up on by their customer service representative. I also went back through my payment history, and even though a payment of {$3000.00} was made on my account in XXXX XXXX through the XXXX loan forgiveness program, my account does n't seem to reflect a lower balance. In fact, according to the letter they just sent it I still owe over {$4000.00} even though my original loan amount was just over {$6000.00} and I 've been making regular monthly payments, as well as the payments made by XXXX on my behalf. Something is seriously wrong here. I feel like I am being charged more money than I actually owe and having my monthly payment increased without justification. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CHASE MTG ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CHASE MTG or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CHASE MTG or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
A representative of Municipal Services Bureau called me saying that I owed $ 1,000+ for unpaid traffic tickets and that a warrant had been issued for my arrest. When I explained that I have no unpaid traffic tickets and that in fact had not received a ticket in 8 yrs ( which had been paid off ), I was told that I still owed them money unless I provided proof of having paid off the ticket. At this point I terminated the conversation. 

Upon checking for outstanding warrants under my name on the internet, I found that there were none. I can only guess that the representatives are told to say this in effort to extort money from people. I have a feeling that what they are doing is illegal but I am not positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
For the second time in less then a year, Bank of America has cashed my personal check payment for my RV loan for {$420.00}, but only credited my account with {$360.00}. My monthly payment is {$360.00}, but I always pay extra, clearly marking it on their payment voucher. This time I paid {$60.00} extra on my loan. I have the cashed check photo copies from my credit union. I also feel this is due to huge internal problems at this bank and is systemic. There could be XXXX other people having the same thing done to them who are not catching this. Additionally, it is not possible to email Bank of America ; only private messaging through their website where there is no written trail of correspondence. When trying to phone them, you wait on hold for up to XXXX minutes and are hung up on.

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 2017-02-11 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: NJ

Complaint narrative:
I have repeatedly ask Navient to allow me to make smaller payments that fit within my budget. I make less then {$20000.00}. However, they tell me that will only accept certain payment terms as set by them. It usually works out to about $ XXXX+/month which is most of my monthly salary. They have not allowed me to file for a forbearance. They also demand automatic payment withdrawals of the payment directly from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: IN

Complaint narrative:
I have had a loan from XXXX for nearly XXXX years, they sold my loan to navient. now a few months after that my normal monthly payment went from {$190.00} ish to over {$500.00} and I called them to get my payment back down to where I can afford it I get told I can afford it, and then asked if they can help me with anything else. so basically they are extorting money out of me. I can afford the payment I had before but not this high payment. and now with all these marks on my credit that are n't mine I cant even get a load from a bank to consolidate it. if somethings not done ill default on it. I need help! 

and the worst part is I 've been paying this loan for nearly 10 years and I only went to school for XXXX months. and I got nothing out of it. this is so depressing,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have XXXX student loans with Navient/XXXX. I have just heard of the lawsuit that has been brought against this company. I am not sure what is going on with my loans, but I need help. I graduated in XX/XX/XXXX. I do know that I reconsolidated once and then at one time my loans were frozen ( for one semester ) while I completed XXXX in XX/XX/XXXX. However, it appears that the amount I have paid, the majority goes to interest. As you can see from the XXXX attached statements of my account, the current balances are n't much less than the original principal amounts of the loans which were issued in XX/XX/XXXX. I am not sure what 's going on. I have been seeing money go out on a monthly basis and no progress made, which is usually around {$260.00} per month. The majority of this payment goes to interest, leaving the principal almost untouched. Navient does not give the option to pay more than what they request on their website, and I feel that something is wrong with my account and how Navient/XXXX has handled it. I question it further now, seeing as the lawsuit against them has just come to light with the complaint of very similar issues. I have been told by Navient that these loans were to be paid off in 10 years. There 's no way. I graduated 9 years ago and the payoff date listed on the account is XX/XX/XXXX??? Somehow I still have 8 more years?? Something does n't add up here. I need help. There is no way that with the payments I 've made, and the interest they 've charged, that these loans will be paid off by that time. I have made almost no progress on these loans and have been charged so much interest, my balance is just now getting below the principal amounts. Please help me. I feel that this company is robbing myself and XXXX others blind.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i was given a mortgage i did not uderstand and did not qualify

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation