vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I got a title loan XX/XX/XXXX for XXXX they told me the payment would be XXXX a month for six months. XX/XX/XXXX they told me all I had paid was the interest. I have paid XXXX on that loan and they still want more. I ca n't get my title back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: FL

Complaint narrative:
My debit card was hacked and the perpetrators racked up over {$500.00} on my account. I immediately called and reported the unauthorized transactions to the card issuer the same day and was told I needed to wait until the transactions posted. I called the next day when they posted and was told I would qualify for a provisional credit if I sent a written statement disputing the charges. I sent the statement via email that day which was a Saturday and also advised I would be filing a police report with local law enforcement. When I called to file the police report, I was told by the XXXX XXXX XXXX XXXX XXXX that I needed an affidavit from the card issuer to prove I disputed the charges. I called the card issuer back and requested the affidavit and the customer service representative said he would send it to my email. After waiting over 2 hours for the email, I called customer service again and they said they have to finish their investigation before sending any documents or crediting the provisional refund and their investigation can take at least 10 business days. They are obstructing justice and hindering my right to prosecute the criminals that stole my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Netspend Corporation
State: TN

Complaint narrative:
my personal checking account was hacked and all my funds were transferred to someone else account without my knowledge or authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
This is a complaint related to other complaints I have already submitted. 

Case numbers of the related cases are XXXX and XXXX. 

As of today I have still not received any verification of the debt and am still getting collections attempts via email. Attached is a copy of the most recent communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Grant Mercantile Institute. On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: TN

Complaint narrative:
On XXXX/XXXX/2016 my debit card was used fraudulently to purchase XXXX dollars worth of t-shirts from a company called XXXX.online. I notified Netspend, the company who issued the debit card, on XXXX/XXXX/2016 of the fraudulent charges. I filed a police report with the XXXX Police department. Police report number XXXX. The detective was able to determine that other people had their debit cards used fraudulently to purchase items from XXXXonline. Netspend performed an investigation and determined that I am responsible for these charges. This is completely unacceptable and unethical. Per the Electronic Fund Transfer Act, if I report these unauthorized fraudulent charges within 60 days, the most I could be held responsible for is XXXX dollars. Even XXXX dollars is questionable per the FTC which states, " if someone makes unauthorized charges with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Allgate Financial, LLC
State: FL

Complaint narrative:
On XXXX XXXX 2016 I closed on the sale of my home and in the process, {$5900.00} was held from my funds and in Escrow to pay off a debt that recorded in judgment. On checking my credit report it was found that this account is reported by this company but all efforts to verify this account has been exhausted and I am filing this dispute to obtain assistance in the verification of ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I had a bank account with Huntington Bank from XXXX. I had an issue where transactions were being switched around by the bank and my deposits were being held extra days which was caused defaults and overdraft fees. There were also false internet transactions on my account. The bank was informed and did nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Frost-Arnett Company
State: LA

Complaint narrative:
When my credit was pulled on XXXX it came to my attention that there where XXXX medical collections reporting from the same collection agency that I was completely unaware of. I had XXXX XX/XX/XXXX and received numerous medical bills which I was under the impression I had made arrangements or paid all of these in full when they were received. Never did I receive any notices from any collection agencies or that would 've been an obvious sign they were n't paid and I would 've paid them. When my wife called this collection agency on either Thursday or Friday of last week, she asked if they had ever sent me notice of either of these supposed debts and the representative responded stating they had never sent anything but the hospital did so they do n't have to. She also stated they had just sent XXXX of the collections back to the hospital so they no longer had it anymore but the other they did have and I needed to pay it. I was under the impression however that they have to send notice giving the consumer 30 days to dispute the validity and to request verification. Without sending that notice, it was illegal to report the account on my credit report. I was also under the impression that 5 days after the first point of contact, they had to send a letter and it 's now been 7 days and I 've still yet to get anything from them. I 'm unsure as to whether this debt is truly owed or not because I 've not been given the appropriate time to investigate the account per law and being that I 've paid so many of these bills, it 's quite possible it has been paid especially since there were obvious mistakes with the XXXX collection they supposedly sent back to the hospital. If the debt is truly owed, I have no problems with paying but I do feel that the correct procedures need to be followed so that I could 've paid it to prevent it from hitting my credit report and I was not given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I requested a prepaid debit card from XXXX, which is issued by NetSpend, so that I could have access to my funds paid to me by XXXX.I was denied the card, because NetSpend is saying I owe them {$72.00}, and would not give me an explanation as to why I would owe them money owe a prepaid debit card.I donot owe these people any money, and I need to know why they are saying I do? I believe this a scam.I ask them to send me an explanation, he refused?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: WI

Complaint narrative:
I bought a prepaid XXXX card from XXXX. The card is from NETSPEND Corp in XXXX, TX. I put {$500.00} on the card and forgot about fees. I tried to make a purchase for {$500.00} XXXX XXXX, 2015 and the card was declined to the Merchant ( XXXX XXXX in California ) so they cancelled the order. NetSpend has put a hold on the {$500.00} and wont release it to me despite numerous calls to them. I had to use a different card to purchase the product. Netspend says I have to have the merchand send them something stating the order was cancelled. The merchant says " When I cancelled that order it went into cyber space .... '' how do I get NetSpend to release the money??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: KS

Complaint narrative:
Navient/XXXX misallocated my payments, steered me toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. They never mailed me a payment booklet or coupon book so I never knew how much I owed. 
They have been charging me 9 percent interest for almost 20 years. I now owe quadruple what I actually borrowed back in 1995. They do n't even have an accurate account of how much I have paid over 20 years. I get no statement or emails from them. Only harassing phone calls and garnishment of wages even took place before I got laid off. 

What can I do? 
XXXX in Kansas

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: TX

Complaint narrative:
I have been with Netspend for over 2 years in which I mainly used for direct deposit from my company and to pay my rent. I had 2 inaccurate charges on my account so I disputed boh as suggested by the agents that assisted me over the phone. XX/XX/XXXX my account was closed without proper communication to me. I called them and asked why my account was closed the lady stated suspicious activity and stated a check will be in the mail and it takes 10 business days. XX/XX/XXXX my rent is due and then after the XXXX it 's considered late and an eviction can be filed plus late fees. I asked if the check can be overnighted to me but he company would not resolve the issue at all. I have XXXX small children and if I lose my place due to the wrong doings of this company then that would be very unfortunate on my behalf. Please assist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
My house burned down, I 'm trying to get it rebuilt. I have submitted all the documents that CHFA requested and was told that it would be XXXX5 days for it to go through review. It has now been 1 month and they still have n't gotten through review. They are holding my insurance money which they said was required because they have a vested interest in my property and wanted to be sure my house was rebuilt in a timely manner. I have a contractor and everything set for the rebuild and the only thing holding it up is CHFA. So the timely manner in which they speak must apply to everyone but them. My contractor is waiting for his downpayment so he can begin the work. My question is, why does CHFA not have a time limit in which they are given to process such claims? I am a law abiding, tax paying citizen and think I deserve better from my government, whose salary I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying off a multiple student loans to XXXX XXXX, now Navient since 2009. I have done my best to make payments on time. This past year I went through a divorce and I became responsible for all of our debt. I struggled with paying the loan and even reached out to them to discuss my options, they basically told me I had none, but to pay. They call repeatedly every day of the week. I receive upwards of XXXX calls in a day ; before XXXX and well after XXXX. They do the same to my co-signer. I have mentioned their tactics to them and how it has become very bothersome to mine and my co-signers daily lives. The response I received was that " I owe them money and they can call as much as they want to collect it. '' I have both a Federal and Non-Federal student loan with them and as hard as I 've tried, I just ca n't keep up with them anymore. 
But, they have been cruel to my plight, showing absolutely no sympathy or constructive solutions to the problem. Instead they continue to harass me with continuous phone calls all hours of the day and it needs to end. 
I am asking for help to make it end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 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: Constar Financial Services, LLC
State: NC

Complaint narrative:
I can not get these people to stop calling my home phone they call repeatedly looking for someone I do not know XXXX I am at my wits end with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: IA

Complaint narrative:
I had a loan of XXXX in 2007 ... .I could n't afford the payments at the time and had to due a forbearance.mthat initially racked my bill up to over XXXX ... this has been hauntin me for years ... I can not get a loan to buy a house or get a car..please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My complaint is against Bank of America. Due to my loss of job during the great recession we were working with them to refinance our home loan in 2009. While making our " new payment '' they were reporting it to the credit bureaus as NOT being paid and ruined my credit. While we did eventually refinance the loan they stuck me with {$17000.00} of unpaid back payments and my credit is damaged. I am current on all debt and all mortgage payments are up to date with NO late payments reported since Bank of America lied to us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Central Financial Control I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central FInancial Control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 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: KS

Complaint narrative:
Additional payments being made were applied to future interest payments not the principal. I made a {$460.00} payment on XXXX/XXXX/XXXX and then {$500.00} payment on XXXX/XXXX/XXXX and then {$500.00} on XXXX/XXXX/XXXX ( ive included payment history information for the last six months below ). When this was noticed I called Navient customer service and they said the interest was being applied " all wrong '' and promised to correct the issue and apply the extra payments I made to the principal. They were supposed to have it complete within 10 business days and mail a letter to confirm what action had been taken. No letter was sent. I called back on XXXX/XXXX/XXXX and they are trying to say the extra payments made went to interest because there were 31 days in that month not 30. Then they said that the 13 day lag in the payment ( XX/XX/XXXX payment made on XX/XX/XXXX ) caused an additional {$500.00} dollars in interest to accrue. We are making all the minimum payments and then some, and they are incorrectly applying payments and telling me {$500.00} dollars additional interest accrues in 13 days? I want them to fix the account and apply the additional payments to principle like I asked and like they said they would a month ago. 

Further, it is impossible to get a detailed printout or statement on the account from the website. We can not provide the special instructions on the website to apply extra money to the principal. I am trying to make payments to have this 25 year curse paid off in 5 and save money in interest. They are trying to take advantage of us for doing so and making it so they get the 25 years of interest in the 5 I 'm going to pay this off. 

Looking through the small print, it says in order for this not to happen we have to mail in a check with a letter each month specifying the action to take. How many people are making extra payments not knowing they are just paying Navient 's interest ahead of time instead of principal. This practice is stealing money from people. 



Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - {$150.00} - {$300.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$270.00} - {$190.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$330.00} - {$160.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$96.00} - {$370.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: PA

Complaint narrative:
When my X husband and I married we got this cute postcard encouraging us to consolidate our student loans together since we are married now. Lower payment made sense. Never thought we would get divorced. We did. There is no way to separate the loan. Even just down the middle. My X and I are connected by this loan for the rest of our lives. He does not care about his credit or what he owes. Also, he does not care about mine either. I can not afford to pay this on my owe. He is responsible for the full Loan as per our Divorce agreement signed by a Judge. However, XXXX XXXX ( Navient ) does not recognize that and does not care. I am not trying NOT to pay back my loan. BUT I do n't understand how they can have a program that combines married couples loans but no program for couple divorcing when the divorce rate is about 50 % in this country. ALSO. They have no account representatives. So every time you call you have to explain the situation over and over. It 's a wild goose cash. Also, the customer service people are not in America. They are hard to understand. I been disconnected more times then I can count. This company is the Devil. We are not elgible for our rates to be Lowered ..becasue it 's not Federal anymore. But we they are able to tarnish my credit affecting everything I do. I 'm a single parent and I owe my home. I work XXXX jobs. They do not care about repayment. THEY want you to build up the interest. They encourage deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: VA

Complaint narrative:
Navient has now stopped taking credit card payments as of XX/XX/2017. They only except payment through a bank account and debit cards. This makes it more difficult to make a payment if I need to use my credit card one month.

Company response to consumer: Closed with explanation