vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-06 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX I took a title loan for {$2000.00} with Loanmart through a Payday store. I paid $ 220.00+ a month for three years. On XX/XX/XXXX I made my last payment to them. It was hopeless my balance was $ 5000.00+. The vehicle is a XXXX van. The vehicle has not been registered since XXXX no insurance. It has been sitting for six years. I contacted Loanmart two years ago and was told they do n't want the vehicle and if I do n't have any money to pay them there is nothing to discuss! Recently I 've been searching on what I can do, I ca n't leave the vehicle parked any longer. For the last year I 've been receiving email as advertisement from Loanmart in my spam folder which are settlement offers. I received XXXX in my inbox a few weeks ago advertising 30 % off, now I do n't know if that is off the payoff {$5000.00} the principal {$1700.00}, interest bal {$3200.00}. I 'm working through XXXX, but I 'm getting no where. I 've been emailing them for a solution and over and over they would n't tell me unless I called them. Ill not speak to them from prior phone conversations I get to upset. So finally I wrote a letter not so nice and finally got a answer from the supervisor with an offer for {$1200.00} XXXX lump sum. That 's the 30 % off offer. I 'm now a senior citizen on Social security and do n't have {$1200.00} more money to give them for what? The vehicle is broken, no tires, cracked Windows, check engine light on, transmission something is wrong. It has n't been started for 6years. XXXX is {$2000.00} in good condition, so why would I give them {$1200.00}? I do n't understand. They have n't contacted me since my last payment in XXXX, only the spam emails. In XXXX they continue to charge monthly {$200.00} + {$10.00} late fee until XXXX on XXXX they stopped late charges, XXXX, XXXX, XXXX, XXXX, XXXX they charged me anywhere from {$44.00} to {$59.00} a month for five years! I do n't know what that charge is? I do n't know what to do at this point. Ill not give them another XXXX, they wo n't give me the title. I 'm in collections for a write off! The vehicle sits! When I took the loan none of any of this was explained. It seemed like a normal loan, but the balance owing was growing faster then my payments. I have paid them over {$6000.00}. One of the big reasons I quit paying and did n't pay the registration was they told me they were going to repo the vehicle. They never came ... What can I do with the vehicle, I would like to try and fix it because I do n't have a car now. But, if they want to keep the title they need to come get their vehicle. It ca n't sit any longer! I would appreciate any advice you can offer me or help settling this horrible mistake I 've made. I 've documents if you need them. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
This is in regards to case XXXX. I 'm fighting First Hawaiian Bank, they are looking for unjust compensation for a mistake one of their younger representatives made by releasing to me money from an uncleared check. A check that totaled {$2600.00}. The FHB policy states that I should have only been given {$200.00} of the {$2600.00} until the check had cleared. It never did, but that did n't stop their unprofessional and obviously unaware staff from releasing to me ALL the money THE DAY OF. It also seems that the ambassador FHB had chosen to dispute my last response on the CFPB website had n't done their research either. I had an overdraft fee almost every month I had been a member of their bank. But why would they withhold and deny me that information? I am disputing this, I have received letters from collection companies sent to my address harassing me to pay. I will not be held responsible for a mistake THEY made. I was handed money that should n't have yet existed until it had been verified. I refuse to be bullied and taken for by a bank that could have easily AVOIDED this problem. First Hawaiian Bank could have just as easily prevented this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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: MA

Complaint narrative:
I am currently enrolled in a 12 month " rate reduction plan '' with Navient. I had started this payment plan in XX/XX/XXXX. The 12 month plan has not ended yet, as of XX/XX/XXXX my AUTOMATIC PAYMENT was NOT processed and now Navient has sent a notice of late payment and has advised that a late fee will be issued. I have raised this issue with Attorney General XXXX Office. Navient must take responsibility for their injustice actions once again. This showcases their harmful practices! My loans and account are always being mishandled which forces me to take action at every turn! This needs to be RESOLVED IMMEDIATELY! I can not afford for them to INCORRECTLY REPORT ME TO THE CREDIT BUREAU AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: PA

Complaint narrative:
I have my student loans through Navient. My loans have since come out of grace and are now due. Since I am currently unemployed and unable to find a job, I have been paying {$50.00} every three months per loan to keep the loans in forbearance. They have continuously mishandled the forbearance of my loans applying them incorrectly, therefore making my loans past due. I have called on several occasions to fix the issues that they caused and they have yet to be fixed. When I asked about income-based repayment options or enrolling in their financial hardship repayment option, they told me that I could n't and would n't be able to qualify and that once all of my forbearance time was used, they would come after responsible parties for the payments rather than help me to get into a payment plan. I can not figure out how to consolidate my loans through Navient so that I do n't have XXXX separate balances. Also, when paying my forbearance fee, the representative could n't process both fees in XXXX transaction. So, I was then connected to another representative to process the second fee of which they would n't process on the same card because it was a duplicate charge. They told me that I had to either use another card or call another day to pay the fee but if I waited that my loan would be delinquent. Rather than trying to get me into a payment plan, Navient is forcing me to use all of my forbearance time and forcing me to spend the forbearance fee every three months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Phelan Hallinan Diamond & Jones, PC
State: NJ

Complaint narrative:
This complaint is related to Case # XXXX which is not resolved. Disputed response from company but was advised to resubmit complaint. Company did not respond to XXXX out of XXXX requests : Req # 2 - Loan Accounting and Third Party Servicing Systems Information Req # 3 - Existing Admissions See accompanying attachment : " CPFB Dispute to XXXX response XX/XX/2016 " for details.

Company response to consumer: Closed
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: State Collection Service, Inc.
State: FL

Complaint narrative:
I dispute this debt because my XXXX machine is paid off completely and has been over-billed and paid for based on previous correspondence with XXXX and XXXX XXXX. This was paid for in 2013 and now all of the sudden they are trying to get us to pay for it again. 

XXXX XXXX confirmed that the XXXX rental was converted to a purchase on XXXX/XXXX/2013 and was paid off, at most I would ever owe the insured percentage not covered by insurance which would be less than or equal to {$83.00}. This amount was covered by my original payment to you. This information was verified on XXXX separate occasions by XXXX XXXX employees XXXX, XXXX, and XXXX. 

Furthermore, my {$500.00} deductible was met after 3 months of rental payments and thus the remaining payments should have been billed to and paid by my insurance, XXXX per their policy and the pre-authorized agreement. 

I have spoken to this company multiple times and they have stated they will resolve the issue and instead of resolution I get another bill and it has been sold to a debt collection agency. This is beyond unprofessional and is a fraudulent attempt to steal more money from myself and the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
The collection agency will not return my calls, or allow me to speak to anyone. The daycare XXXX XXXX in XXXX Utah is charging me for days my child did not attend. 
I was told from the daycare manager they scam single mothers all the time to collect more money. My child was mistreated, and i was pregnant and unable to work and was continuously charged even after i advised them prior. Please help me. These charges are unjustified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: MD

Complaint narrative:
I went to LoanMax in XXXX Va. I was in great need because I was facing eviction. When I arrived I went to the wrong title loan company because there are two title loans on XXXX XXXX in XXXX. I walked in the first title loan place the gentleman took me through the application process and then he asked me for my title. When I gave him my XXXX title he said " Sorry Maam we dont take XXXX titles ''? So I walked across the street to LoanMAX. I gave my title to the employee and she told me the same thing that they couldnt take XXXX titles. As I was walking away in frustration I stated noone told me this over the phone. The employee begin to explain that it wasnt her that I spoke too. She then said if I could provide her a XXXX address she could give me a loan. I gave her an address in XXXX and then she asked how much I made a month. I told her my monthly income. She said let me call my supervisor. She told the supervisor that i had a XXXX title but the car was housed in XXXX. The supervisor gave her the ok. So she approved me for {$1400.00}. I agreed to pay {$320.00} a month. I making the monthly payments and thinking that paying monthly would lower my balance. But I was totally unaware of the interest and how it worked. So it seemed as though my balance was never going down. My car is a XXXX XXXX XXXX XXXX. It wasnt worth the payments. But I continued to pay monrhly and questioned the interest. They just kept telling me it was explained to me when I took out the loan. I told her i couldnt afford to pay a loan that never ended. I paid them a total of {$1300.00}. Then I started doing my research and found out that it was true that they couldnt do loans with XXXX titles and that XXXX had stipulations but they would honor XXXX titles ..but not XXXX!! When I questioned them about how was I able to recieve a loan if I have a XXXX title ... I was told that they couldnt control the address that people provided. I even had people call to ask if they had a XXXX title and lived in XXXX could they recieve a loan? There answer everytime was no! I told them that I couldnt continue to pay this high interest loan. So within 3 months of non payment they came and repossed my XXXX but they hired a XXXX party company to say they repossed my XXXX. When I called to get my belongings out of the XXXX they told me they never took my XXXX. I went to the police and the police clerk provided me the information that they did have my XXXX repossed.

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 2016-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Automated Collection Services, Inc.
State: NM

Complaint narrative:
I received the attached threatening email from XXXX Manager XXXX XXXXXXXXXXXX XXXX but in the content it listed them as ACS Inc. No phone number, no name of person, no address, nothing specific in their details about this debt except to threaten that if I do n't respond to the email within 48 hours I will be arrested or put in jail for fraud and they sited Case No : XXXX. I enrolled in a settlement program a long time and all my creditors were given to that law group and notified about my situation and advised to contact the settlement office to discuss payment arrangements. I do n't know who ACS or XXXX is but I 'm sure that whoever the creditor is, they were notified in writing and have the option to set up a reasonable settlement on this account. At this time I am speaking with an attorney regarding Chapter XXXX for all of my debts. This situation was brought on due to a serious medical condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Constar Financial Services, LLC
State: FL

Complaint narrative:
This complaint is about Constar Financial Services. XXXX is the debt collector person. 

Hi. I have never done this but I am fed up with the student loan harassment. Because sometimes they cant contact me, they have contacted people who I know. But the worst thing is that they contact my father who is a sick person and has XXXX XXXX XXXX. 
What gave me more anger was that a couple of months ago my father was XXXX and the student debt collector person called him. My father told him that he was in the hospital and he could not talk but that person insisted in making questions.! He called him the other day knowing my father was XXXX the day before to harassign him again. He tell my father that how can he have a house or bills if he cant pay. He calls with different phone numbers, he contacts him even when he is working, he wants to call my father every step he makes, he is like a shadow! I am fed up with this!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have a mortgage through Huntington and had setup a checking account with them as well for the purpose of having a Direct Deposit into the account in the amount of my mortgage to be swept out each month to satisfy the terms of the note. I received a call today from Huntington. After verifying who I am and saying she was with Huntington the very first question the rep asked me was " Do you have intentions on keeping your home at X address? ''. As it turns out there was a error with the online $ transfer from the checking account to pay the mortgage. I immediately gave her a check over the phone. When I asked why she would ask such a question the rep said that is how they are trained to start the call. This is a psychological game meant to infer that the bank has intentions of me NOT keeping my home. Its reprehensible to use such tactics on customers. I requested her supervisor who I was transferred to, XXXX, who confirmed that is how the reps are trained. He preceded to be trite and rude, but I 'm less concerned with the poor choice in supervisor staffing than I am with a large financial institution using psychological scare tactics in their call scripting on a massive scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I do not owe this debt. This debt belongs to my father. He was born in XX/XX/XXXX. I was born in XX/XX/XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt.

Company response to consumer: Closed
Consumer complaint received 2016-05-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Netspend Corporation
State: NJ

Complaint narrative:
I was trying to use my Paypal Prepaid Debit Card for the very first time. I could not withdraw the cash even though I knew I had put money on the card. I checked balance several times since I was confused. 

I later found out that I was charged a fee to check balance, in fact, I was charged the SAME fee several times in a row! And an ATM Transaction Decline Fee two times. All this within the space of several minutes. 

Even if a fee is charged in such a situation, it is not right to charge the same one several times in the space of a few seconds/minutes!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 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: Southwest Credit Systems, L.P.
State: RI

Complaint narrative:
Noticed collection on XXXX credit bureaus from XXXX XXXX for XXXX. 
I wrote a letter for validation and collection company sent me copies of billing statements. The address on the billing statement was not the address I lived at during the time of debt. I sent copy of my lease for the time period and company wrote back stating the collections would be closed and removed. they have not closed or removed the collections fro credit bureaus

Company response to consumer: Closed
Consumer complaint received 2017-03-16 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: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
This is my XXXX COMPLAINT. I contacted CFPB this week and you have no record of my original complaint from XXXX : # XXXX. I paid this debt to XXXX on XX/XX/2014. I have attached that payment backup. I provided this to Southwest ... to XXXX ... and once before to CFPB. I absolutely refuse to pay this debt twice no matter how long Southwest Collections appears to be able to stall CFPB on resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: NC

Complaint narrative:
Netspend deactivated my card when I inadvertently went into overdraft because of an XXXX order that was billed in several different increments. They did not notify me at all that my card was deactivated, so after I made a deposit to put the balance over {$170.00} in the positive, I tried to use it at a gas station and it was declined. I check the ATM at the station and it said I had {$170.00} balance, but when I tried to withdraw money from the ATM it was declined. I tried again and it was declined. I logged onto the website and it said I had that much available, but it also charged me {$.00} for each of the XXXX times I checked my balance. At that time I received XXXX text messages at once from them stating my card had been deactivated and I needed to reactivate it online. I tried to do so, but it indicated that the card was " already activated. '' I called the customer service number and a very rude XXXX man, supposedly named " XXXX '' informed me he could NOT reactivate my card, he would have to send an email to the department who did that. I indicated I was XXXX miles away from home and needed to purchase gas to get home and the deactivated card was the only method I had of doing so. I told him I needed to talk to someone who could rectify the situation NOW and he offered for me to speak to his supervisor. After holding for more than XXXX minutes, my cellphone battery was dying, so I told " XXXX '' to have a supervisor call me on my daughter 's cellphone, and I gave him the number. I told him to also email the department who could fix the problem and I needed to know when it was fixed so I could actually drive home. This was at XXXX and I had XXXX of my children with me. It is now more than 12 hours later and I have not received any phone calls, text messages or emails regarding the status of my card. I called the customer service number again and held for more than 10 minutes without anyone coming to the phone to take my call. I am furious! I want access to MY money, which they are holding because I do n't have any way to get it out other than the card that is " deactivated ''. They send me texts for everything from deposits to withdrawals to advertisements. They could n't send me a text to let me know my card would not work, even though I had just deposited money onto it? This is poor business practice and when I called them it should have been corrected immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25 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: Southwest Credit Systems, L.P.
State: ME

Complaint narrative:
In XXXX I rented a home XXXX .I only rented the home for about 9 months. I had XXXX as a internet and cable provider. Around XXXX XXXX contacted me and stated that I owed them {$200.00} for unpaid cable bill. I told them I had not lived there for years and I had paid my bill and had my services turned off when I moved back XXXX. They insisted that I pay this bill 2 years after I had moved out. The last two times in XXXX and XXXX I have applied for credit this shows up on my report. I do not owe these people one dime and yet they filed a negative report. The people of XXXX are crooks ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-08 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: Southwest Credit Systems, L.P.
State: NV

Complaint narrative:
There is no way I owe XXXX XXXX XXXX I did pay for my final bill, This is inaccurate and false please help

Company response to consumer: Closed with explanation