vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 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: WA

Complaint narrative:
XXXX/XXXX/XXXX Back in XXXX I was recruited by the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ) with misleading graduate job placement information, as well as promoting the XXXX degree program that did n't offer the end result as advertised, which tied me into XXXX different types of loans ( private, Federal and Dept. of Ed. ) all with XXXX XXXX, now Navient. 

I was never given a choice of other lenders when working with their recruiters and naively enrolled in a program that increased their tuition every year, used outdated software in classes, outside online tutorial website to provide training ( which has their own pricing at a fraction of the cost ) and continued to offer me loans despite my slipping GPA. 

Since leaving the XXXX XXXX in XXXX without a degree, internship placement or even the proper experience to compete in the job market, my family and I have experienced XXXX issues ( increased healthcare costs ), job loss, homelessness, and out of state move. Since this time my student loan debt has ballooned from {$75000.00} to over {$120000.00} in a matter of 6 years. 

I have been enrolled in a variety of programs, however Navient 's practice of multiple loans, departments and lack of loan education made my last encounter ( XXXX/XXXX/XXXX ) a very confusing, frustrated and XXXX phone call. I had contacted Navient to settle a payment last week and agreed to a forbearance and amount that I thought covered all of my loans, however was made aware today, that the previous conversation did not take all of my loans into consideration and due to the increasing loan amount in order to pay all of my loans ( without adding any future forbearance ) on time my monthly payment would be {$1000.00} a month for all XXXX loans. After taxes and health insurance coverage, my own income would contribute a little over {$200.00} a month for my family every month. My current health condition has required me to pay significantly more for health care costs totaling {$1300.00} a month, leaving me in a situation of future peril without action. 

I am seeking for complete resolution of my private loans, as well as both Dept. of Ed and XXXX, for the full amount due to deceptive practices by XXXX and Navient ( then XXXX ) as stated above. This type of practice has been well documented with XXXX Colleges and I believe applies to the practices of the XXXX XXXX ( XXXX ) as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
My bank sends me spam that they claim is " non-promotional '' email, even though it is clearly solely to promote their mobile banking product which I do not use and have no interest in using. The only apparent way to stop it is to revert to paper as I am already opted out of all marketing. NOT ACCEPTABLE. If they lie about this being " non-promotional '', what else are they lying about?

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 2017-01-26 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: AR

Complaint narrative:
I have been paying on my student loan since 2007 and i have had several issues with the current company that has the loan. They will send a monthly statement and will have an amount due which might be XXXX dollars but every month i send the same amount of XXXX dollars that is taken out of my bank account 5 days before due date. Some months they call me and my co signer saying my account is past due or i didnt make a payment and i will have to make another payment or they will not quit harassing me or my cosigner. We are fed up with the harrasing calls and the unorganization of the student loan provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cottonwood Financial Ltd.
State: WI

Complaint narrative:
Charged fees I was not aware of Did not credit payments as I paid them. 
Ca n't contact lender closed XXXX in XXXX Wisconsin XXXX The Cash Store. XXXX Cottonwood Financial is charging me over {$2200.00} after I made payment on a loan of {$1500.00} of XXXX payments of over {$300.00}. Now they are garnishing my wages. How do I get this to stop. And protect my credit report history as I 'm saving for a house. 
XXXX XXXX, WI XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I cosigned for a XXXX XXXX for my company. The company no longer required vehicle so we did a voluntary repo. Balance of monies owned went on personal credit report XXXX days ago. We have since settled account with KIA motors but have evidenced no change in FICO score which went from XXXX to XXXX. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I have never had an account nor have I ever requested information from Kia Motors Finance. They call me at XXXX twice a day for the last 3 months wanting payment. I have asked them 3 times to stop calling to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 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: Cottonwood Financial Ltd.
State: IL

Complaint narrative:
Received collection letter dated XX/XX/2016. 
Sent cease communication letter on XX/XX/2016 via certified mail. 
Was received and picked up on XX/XX/2016. 
Received another collection letter on XX/XX/2016 They are in violation of the law by contacting me after I told them to stop.

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 2017-03-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: MARINER FINANCE, LLC
State: DE

Complaint narrative:
Obtained a boat loan from XXXX. During the course of the loan, Mariner Finance bought the loan. Paid off the loan in full over a year ago. Mariner finance refuses to give us the title to the boat and claims that XXXX never gave it to them. We are owed the title upon payment. I am XXXX military and I am unable to do anything with the boat ( to include sell or move it ) without the title. This has been ongoing for more than a year.

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 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2016, I began the process to refinance my personal home 's mortgage with Rabobank. Currently serviced by Rabobank, I started dealing with XXXX XXXX XXXX XXXX at the XXXX, CA branch. I completed my application, provided all supporting documents, and completed the credit check. The bank approved my application and I signed a rate lock at 2.875 % for a 15 year fixed loan locking the rate on XX/XX/2016. Weeks later in trying to correspond with the bank to get the refinance on pace for completion prior to the lock expiring, the loan officer explains to me the the bank no longer wants to offer a 15 year fixed loan to me and the only product I could use was a 10 year ARM amortized over 30 years. Although I did not want an ARM, I said I would go to the ARM if they honored the rate we locked. Later, I was advised that the regional manager in XXXX XXXX 's supervisory chain, XXXX XXXX XXXX did not wish to honor the bank 's rate lock. 
I believe that Rabobanks efforts in not servicing an approved loan, with a signed locked rate, while interest rates are on the rise - is an unethical banking practice. If rates were on the decline, I am sure they would make sure I honored the lock on my side. 
I respectfully request the CFPB investigate this situation with Rabobank and unethical lending practices so it does not happen to others. While honoring what I believed to be a commitment with their bank, I sacrificed precious time when I could have been using another institution to refinance my loan prior to rates going up. I have been asking the manager to help find a resolution, extend me a loan at the agreed upon rate, but without success. After a week of no response, I emailed him requesting an answer and was still promised that he was working it " internally ''. 
Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
I was attempting to settle a debt with Smith Debnam. I talked with XXXX on XXXX separate occasions for pay off. The first time it was {$2700.00} about XXXX weeks ago. Then I contacted XXXX again 3 weeks ago and he said it was {$2800.00} ( interest added ). I was waiting to get closer to when I could pay this debt, so I called XXXX XXXX. XXXX explained to me the debt was now {$11000.00}. Apparently what happened was the bank i was working with called Smith Debnam to get a payoff. Smith Debnam then realized more money could be available, so they changed my payoff to {$11000.00}. 
My problem is the loan will not be approved know because I do not have enough equity to pay the additional {$9000.00} needed for the loan to go thru. 
They also asked to see my Loan Estimate and Closing disclosure ... .and they would consider reducing the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ

Complaint narrative:
Man by the name of " XXXX XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through XXXX. He used tactics such as illegally trying to persuade me that he was speaking to XXXX as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? 

This XXXX XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. 

XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 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: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I recieved a letter stating that I oww {$340.00} to Dynamic Recovery Solutions because of an original creditor XXXX. I have never owned a sprint account. I checked my credit report and nothing is on there from a XXXX or any other negitivie items. I never gave out my information or had this so called account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I opened an online account with Coinbase to purchase some XXXX. The purchase was made and the transaction completed, and the XXXX was shown in the balance. However, recent attempts to access this account have been blocked. The company has instituted some sort of extra verification code requirement in order to login, and I do not own a device capable of receiving this type of text message. They apparently ASSUMED that my internet-based phone number was for a cell phone, but refuse to either help me or even communicate with me in any way, despite completing their online request form ( twice ) as well as expressing my frustration with them on XXXX different XXXX tags. Zero response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
Company representative said that if I do not pay the debt, then I will " be in a law suit. '' He then denied having made that claim. I informed the underlying creditor and the collection representative that I have been on medical leave and can not pay the bill. Upon informing the collector of my medical leave, he then asked " what the problem is. '' I informed the collector that he is not permitted to ask of my private medical information, he denied having done so and went on to provide an example of other customers who reported car accidents or XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Risecredit, LLC
State: UT

Complaint narrative:
I went on the website of RISE loans and tried to see possibly about getting a small loan, well when I saw the interests rates and what my payments could be, I canceled out of the application, I did NOT submit the application and the company still pulled a hard copy of my Credit Report from XXXX agencies. I tried calling them time after time and no one would help. They kept telling me that I did complete the application and " sorry we can not take it off of your'e credit report ''. I am so angry right now. I am trying so hard to " build my credit back up '' and everytime you have a hard pull it counts against my credit score. I am getting nowhere with this company so I was told by the credit bureaus to contact you and you could possibly get a response or get it taken card of for me. Please help me. This is a joke and unfortunately I can not dispute a hard credit pull with the credit agencies. Thanks so much in advance if you can assist me.!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: GA

Complaint narrative:
I have already written to this company about a year ago asking that they cease from contacting me about an alleged debt for medical that took place in 1998. I was only XXXX and not responsible for my own health care at the time therefore this ca n't belong to me. Also, I do n't understand why they are attempting to collect from me again when I sent in written request for proof and verification that this account belonged to me. I did n't receive anything and now I am receiving another letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-07 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: Omega RMS, LLC
State: FL

Complaint narrative:
I cancelled this before 30 days - they failed to deliver and I paid XXXX for a month of this account. I told them and they cancelled this service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: MD

Complaint narrative:
I received a collection document from Dynamic Recovery Solutions regarding a deliquent debt with XXXX XXXX XXXX. I currently hold good standing accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has confirmed with their debt recovery unit that I have no delinquent debt. The account which is listed on the document has been confirmed with XXXX XXXX XXXX as not being any that I 've ever held with them. 

I 've requested proof of the original debt from the personnel at Dynamic Recovery Solutions and was told it would take 30 - 45 days. I 've been threatened with action being taken in 2 weeks. The current owner of the debt is XXXX. According to the information I 've received from DRS, the account is as old as 2006. 

This sounds fraudulent or like a phishing scam. Please investigate and let me know what action I can take. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA

Complaint narrative:
I had identity theft earlier this year which resulted in someone opening a XXXX utilities acct in my name in XXXX. I do n't and never have lived in XXXX and have never opened an XXXX account. I live in XXXX and have my own utilities account. I 've lived here since I was born in XXXX. I did everything XXXX said to do : Filed FTC report, Filed a police report ( XXXX ), filed credit report disputes, etc. In XXXX XXXX from the XXXX theft dept told me they would send it back to collection if I did n't file and fax them a police report, so I did. That was the final document they needed. I did that and they do n't dispute that I did it I did everything they asked of me.That was almost 3 months ago and never heard anything from them until today I got a call from a totally different collection agency ( Mercantile Adjustment Bureau ) and now XXXX is telling me they wo n't cancel it unless I get something notarized. I have spent countless hours with XXXX doing everything they said, they 've been rude, hung up on me, left messages for supervisors that never call back, I 've calied, called, called and talked with countless people. I was told once I faxed the PR that it would be behind me and it was until they sent to another collection agency. They know it was identity theft and I feel they are harassing me now. Please can someone help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
I made a deposit to my checking account to cover some online purchases. I moved these funds over prior to making the purchases. When I checked my account this morning the bank levied a XXXX overdraft charge even though I was not in the negative at any time. I have a screenshot of my activity proving this. I contacted the bank and they admit that while I was not in the negative, because I made the wire transfer and the purchases after their cutoff date, they reserved the right to levy what they call a " virtual overdraft fee ''. I 've been banking with FNB since 2011 and have never had any problems until their merger with Metro Bank this past year where all of a sudden they started to do all of the shady Metro Bank traditions that they and XXXX XXXX have been well known for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was sent to collections and threatened with foreclosure when I had been working with the Superv, Debt Collection. I sublitted XXXX letters plus XXXX hardship paks. A few days ago I rec 'd a letter from anattorney debt collector. I had been working and talking w/soup. my home is for sale and the buyer dropped out, I notified PenFed of this and then XXXX letters came to begin foreclosure if I didn'e pay the XXXX. I had my water shut off and had to go to a food bank, I am divorced after 47 years and no alimony. I have been begging them to help me since 2014. No ONE told me or gave me a chance BEFORE into collections. I had just spoken to PenFed as I had for 2 years.

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 2015-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I go to see how much my paycheck was on XXXX/XXXX/15 and noticed a garnishment from my check!?? I had no idea what it was for. I found that I was taken to court, under my previously married name ( I 'm now divorced & remarried ). What a surprise, I was never notified! They had the wrong address, even in the court record events it was noted " unclaimed/undelivered mail-not deliverable as addressed, does not live here. '' Apparently I do n't have the right to be informed, they just proceed with a hearing anyway?! A judgement was entered for {$1000.00}. I have no idea what it 's for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I had a XXXX credit card I closed the account when I lost my job but come to find out they never closed or contact me about it just kept it open I had no knowledge of this and then sent to a third party debt collection without me even knowing

Company response to consumer: Closed with explanation