vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have had a consolidated student loan since finishing   XXXX   school in  2006, th e consolidation happened shortly thereafter.     Since finishing school, I have not earned enough money to make the payments on my loan and was steered by the loan servicer , Navient, into  deferment and forbearance options that caused my debt to skyrocket when I was eligible for other options such as income based deferment.     Had I known all of the options available to me in this process, I could have prevented nearly {$30000.00} in compounding interest to be added to my student loans over this period.     I do not know how I am going to manage paying this off ... the most recent estimate of my monthly payment is {$1000.00} in order to discharge this debt in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc.
State: KY

Complaint narrative:
On  XXXX   XXXX , a letter for validation of debt, amount presumably owed :  XXXX , was sent  to Medical Data Systems ask ing for a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until debt was validated by me. As of this date  XXXX / XXXX /  XXXX  , I was provided  by Medical Data Systems an Itemized statement that included all procedures, not   coded, which were performed including x-ray info which is a violation of  the HIPAA act. I was not provid ed a statement from the original creditor that would allow release of my medical information to  Medical Data  Systems nor was reporting ceased to all  XXXX  credit bureaus.  XXXX   XXXX  is the original creditor. I have never received a bill from this hospital and had insurance to cover all costs.

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 2017-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I too k 6 h ours  of   XXXX    classes   XXXX    2014 and s hould have qualified for a deferment. My school participated in the clearinghouse and does not provide proof of attendance as this is supposed to be reported to the servicer electronically. Rather than giving me the benefit of the deferment, the loan servicer offered a modification and included capitalized interest and fees that would not have been due had the deferment been granted as required. As a result, these things were added to the total balance, and my credit report was negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was a customer of  XXXX   XXXX  in the year of  XXXX . I graduated in  XXXX  and was given 6 months before I had to start making payments. I made payments on time every single month, then a major lay off occurred at the  XXXX   XXXX  I was working at at the time. I called  XXXX   XXXX  which directed me to  XXXX  , which I was unaware of and confused. I spoke with them and they told me there was only one option to stop payment for only 3 months and that was to pay three months ahead. I had a co-signer and could not let the paym ent go in default. In turn, I had to borrow money for borrowed money to attend school during our struggling economy. I have now paid this back, however, I feel I was cheated and finally I see the company is being sued and I would like to speak up for others and say I was a victim of their crime in why they are being sued. It was wrong and made a long struggle when most student loans will make arrangements to help less burden the students when getting on their feet.     Also, I do have proper documentation to prove this to be true if in the case it is needed.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently contacted  Capital One  on    XXXX   XXXX   XXXX      prior to doing a transaction through a third party website called  XXXX  that does money transfer via  XXXX  services. My first preference was to do a money transfer using my bank since there would be no fee assessed. However, I decided to take a chance with C apital One  using my Credit Card for the transfer. I was n't very optimistic about using a Credit Card for this purpose, however when I spoke with a Capital  One  agent on   XXXX   XXXX  , she assured me that Capital One would not charge any fees including a  Cash advance  fee and the transaction would be treated just like any  XXXX  purchase. I went ahead with the money transfer using my Credit Card only to find that after a couple of days later, there was a  Cash Advan  ce  fee on my list of transactions.   When I called  Capital O  ne a bout this, they had a completely different story to tell. The agent insisted that I would be charged a  Cash advance  fee. I insisted that I speak with his supervisor and the supervisor said the same. Since I believe Capital One records all conversations between Account Holders and agents, I have requested the supervisor to review the recorded conversation from    XXXX   XXXX   . After a few days, another  Supervisor  called me back on    XXXX   XXXX    and told me that she reviewed the recorded conversation and the agent is heard advising me that there would be a 3 % charge. I would however like to dispute this argument and hold  Capital One  liable for providing me false information in the first place and then assessing a fee. I am a Credit Card customer who always pays my dues on time and in full. I had enough money in my bank account to go ahead with this money transfer and would have never used my Credit Card for this transaction if I knew there was a fee. I sincerely hope that I am treated fairly based on my conversation with the  Capital One  agent who told me that a fee would not be assessed on this transaction. Also, the Supervisor I spoke to on   XXXX   XXXX   did not speak to me in a pleasant manner and was borderline rude. I have been a  Capital One c ustomer for several years now and am in total disbelief in the manner they have treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have a Car loan with BBT and when I opened the loan account, they also automatically opened a checking account. They did not give me an opportunity to not open the checking account. I was told that the checking account was not going to have any fees associated with it.   I have paid my loan payments all on time and am close to finishing the loan. They started charging an " Account  Maintenance Fee ''  in  XXXX  for {$13.00} every month.   I did not authorize the fee nor was there a separate notice informing me of the fee. They snuck a short message into my regular monthly statement that went unnoticed since I get my statement emailed.   The message it 's is ambiguous and does n't clearly state why the fees will be charged other than " mortgage qualifier being removed ''.

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 2017-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
After the response by   XXXX   XXXX   XXXX   XXXX    Operations Counsel in Paypal, which he sent me by the post as well as through complaint No.  XXXX  , I   DISPUTED it as almost everything   XXXX   XXXX   stated is FALSE. I was surprised to see that the CFPB did not continue with the case open as I disputed it saying  XXXX   XXXX  was LYING EXTENSIVELY. I also contacted  XXXX   XXXX  on   XXXX   XXXX    2017, to  his email address appearing in his letter : "  XXXX  XXXX  XXXX  ''. Later, on  XXXX   XXXX ,    2017,  I emailed  XXXX   XXXX  with key information showing him that  Paypal  DOES ALLOW to have multiple accounts and in different countries for the same person as well as transfers between those accounts are posible and allowed, and I provided   XXXX   XXXX   the URL which shows that :     XXXX   XXXX     XXXX   XXXX  As   XXXX   XXXX   NEVER r esponded to  both email messages, I called him to his office number (  XXXX  )  XXXX  and as he was never reachable in that number I called him to his mobile number (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017.   XXXX   XXXX  then stated he was with another call and I briefly said would re-email those  2 messages, which I did the same day. I also sent 2 SMSs aft erwards. It is to be emphasized that  XXXX   XXXX  promised to call me back but he did NOT do it. As  XXXX   XXXX  did not respond at all, I called him again and reached to his cell number but this time he was VERY RUDE and UNPOLITE stating that I called the wrong number ( yes, believe or no t! ).      As I showed him that Paypal DOES ALLOW to have multiple accounts in different countries for the same person and that transfers are posible between those accounts, and as  XXXX   XXXX  NEVER responded, I have no other option than making another complaint against  Paypal  but pointing out his miserable and uncooperative attitude.

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 2017-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
We pulled our credit report today and sa w Portfolio Recovery excessively pulled my credit report. A collection agency may only pull the credit one time a month. Portfolio recovery pulled my credit 6 time s in  XXXX    XXXX   sometimes just days apart damaging my credit. There have been other months they have pulled my credit more than once.     There have been harrassing phone calls to myself and wife for years sometimes multiple times a day despite us telling them to cease. They have called us during work hours on our cells phones causing problems and embarrassment at our places of employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
Hopefully you can restore the value of my gifted  XXXX   XXXX   XXXX  program {$100.00}  XXXX   Visa  gift card back to $  XXXX . I selected this card ( attache d ) a  year or so ago and, like many gift card users, the card was forgotten in a drawer. I found it on  XXXX   XXXX ,  2017  and noticed that it had an expiration date of  XXXX . I noticed on the front of the card that it says Funds do not expire so I called the  XXXX   XXXX  number on  XXXX   XXXX ,    2017  to get a replacement card. The call center advised me that a replacement card would cost $  XXXX  and that the balance on the card was deteriorating at a rate of $  XXXX /month after the  XXXX  date for card maintenanceso my replacement card would now be worth $  XXXX !   Needless to say I was shocked since I received no warning ( no mail, email, phone calls , etc..Im not su re what other maintenance is involved ) that my $  s  were evaporating ( or being stolen  XXXX  ).     Would you please help me get my $  XXXX  restored?     Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: IN

Complaint narrative:
I paid {$450.00} on  XXXX   XXXX ,   XXXX   for a home appraisal throug h Royal  Mortg age   XXXX   XXXX   XXXX   Loan Advisor  NMLS #  XXXX   XXXX  XXXX  XXXX   Office  : (  XXXX  )  XXXX  | Fax : (  XXXX  )  XXXX  Royal United Mortgage LLC. NMLS #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , IN  XXXX  ) that was to be conducted on  XXXX   XXXX ,   XXXX   by VALUTRUST APPRAISALS  XXXX   XXXX , KS  XXXX  it was stated in the  inspection report that an attic was not present in the home, that is not true as there is a stairway to the attic, but was never asked if there was one and the appraiser took a picture in the room that the pull down stairway is present. I have had several other mortgages without any issues the appraiser was at the home for less than 10 minutes when I was   present.

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 2017-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I co-signed 5 of my daughters navient loans and had a draft of {$500.00} dollars taken out of my bank account automatically each month on the XXXX of each month. I have made 27 payments with one problem because they said that it had to be renewed each year because the amount was more than what they said I had to pay. I was able to pay off the loans on the X/XX/2017 in full. I kept checking their website and say that all the loans were at {$0.00}. I thought that the auto withdraw was canceled and that was that with these XXXX XXXX. Well, It was n't. Another {$500.00} was stolen from my account on X/XX/2017. I called to get my money back and took up 4 hours of their precious time being passed back and forth between about 20 customer service members being told 20 different stories about getting my money back. I got from it will be a check to it will be electronically transferred back to me, I see it the XX/XX/XXXX, XX/XX/XXXX, or by the XX/XX/XXXX. Then I was transferred to the so called president who said that I had to send them a bank statement to show that the money was pulled, it showed it was taken on their own website, or conference in my bank so that they can verify that it had cleared, again already showed it had from their website. I did find out that I overpaid by {$300.00} and probably would not have found this out unless I kept after them. They gave me no choice but to complain to some one who might get a straight answer from these crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
In  XX/XX/XXXX  we g ot a mortgage with   XXXX   XXXX    who sold to   XXXX   XXXX   XXXX   ,who sold to   XXXX   XXXX  : With none of these banks did we have an escrow  ! I   currently have a filed complaint against  XXXX  with this department , complaint number   XXXX   : This complaint today is against Ditech to whom   XXXX   sold my mortgage to: 
 As in the complaint against  XXXX  , ditech was sold my mortgage with an ESCROW in which was illegally initiated by  XXXX ! However Ditech collected my escrow and kept placing my monthly  mortgage payment into an escrow ! At the same time I notified them that I have no escrow and asked why they kept placing my regular monthly payment into an escrow instead of paying towards my mortgage! They explained that they didn't know why but would ask some bigger management why! Six months go by and the supposed escrow was over paid and I was told I would get a check returned for a specific amount overpaid! Yet my monthly payment continues to go into an escrow! I will fax the proof after I receive a number to refer to this complaint! I filed a complaint against both   XXXX   and ditech about this matter with department of insurance and financial services: FIRST OFF< YOU CANNOT MAKE PAYMENTS TOWARD A MORTGAGE FROM AN ESCROW ACCOUNT WHICH THEY DID! THIS IS ILLEGAL and all funds must be returned and this contract made void! from     XX/XX/XXXX  to XX/XX/XXXX  , their st atement show all my payments went into the escrow! YOU CANNOT MAKE MORTGAGE PAYMENTS FROM AN ESCROW! IT IS ILLEGAL ! The only thing you can pay from an escrow , is taxes or insurance!  Over   XXXX   went into escrow! Suddenly it disappeared in   XX/XX/XXXX !!! Th ey are scammers!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Hunt & Henriques
State: CA

Complaint narrative:
I have judgment hurting my ability to get a job. I am in a debtor prison, I am not gainfully employed.  Pyod and Hunt and Henriques are unfai r as you can the summons was not even stamped by clerk.     They refused to attend hearing to work out issues in court

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ORG GC GP BUYER, LLC
State: OR

Complaint narrative:
This is a follow up to complaint #  XXXX . I appreciate the companies response and I would like to clarify that the issues described in my complaint were an aggregate of my dealings with all the servicers of my loans and the inability to get any concrete numbers or history of payments from ANY of them, not solely directed at GC Services.     I understand that they do not set the rates or fees as stated but as the loan servicer, certainly they know the amounts. Assuming that the loan file transfers with the servicer, they should have no problem in providing me a complete account aging going back to   XXXX   when the garnishments began.     They responded that they would be sending me the account history I asked for on  XX/XX/XXXX . To date (  XX/XX/XXXX  ) I have received nothing.     Still waiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
I do not have a lawfully binding contract with this company. I do not consent to any contract with this company. There is no contract that exist and there is no debt that exist. I have been in contact with this company on several occasions to resolve this issue. Please note letter from company dated  XXXX   XXXX  where the entity clearly states that there is NO CONTRACT that exist! If there is NO CONTRACT, then there is NO DEBT! This is abusive, fraudulent and unfair debt collection practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
They have refused my service and they really have no grounds to do so. The little info I was given is very weak.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a credit card with the company with a credit line of {$700.00}. I went onto their website and made a purchase of {$580.00} on Tuesday   XXXX    . I went into the store today  X/XX/17    to return {$340.00} worth of the online purchase due to ill fitting clothing. I then went to try on clothes and shop in store for better fitting clothes. I went to the check out counter with my purchase and was told I had to to call the customer service number but not why. With a line of people behind me I had to call the customer service number. The first representative advised me that I did not have any available credit to make my purchase and that I was in fact over my limit. I advised her that I had a credit line of {$700.00} and made a purchase of {$580.00} and a return of {$340.00} ; therefore, I should have {$450.00} available. She informed me that my return today of {$340.00} would not credit my account until the clothes made it back to the online warehouse. That is bad enough. I can understand if the credit takes a few days to post, but if the store has the clothes they should not have to wait to credit me until the clothes physically make it back to the warehouse when the company is possession of the clothes! My real gripe though is that even without the return I should have had {$110.00} in available credit. The lady argued this point with me as I tried to get her to understand basic math. She then transferred me to a another representative who researched my account and let me know that while she agreed that yes I should have an available credit of {$110.00} I do n't have any available credit and I 'm showing as over my credit limit. I asked how this could possibly be. She tells me that even though she can see the original {$580.00} hard posted to my account that there is still a {$580.00} authorization holding funds on my account that she can not manually release, so my account reads as having {$1100.00} charged to it. This makes absolutely no sense. I could have spent {$700.00} even that day online, but I did n't. Due to their weird practices of hard posting and having the authorization still there  four  days after my purchase means I could not use {$110.00} worth of credit that I should have had available to me. I wasted three hours of my time in that store trying on clothes and dealing with the phone call in line in front of other patrons only to walk away empty handed. I also missed out on a store-wide sale today that I wo n't be able to take advantage of when my account finally balances out. This is beyond frustrating. When all credits post to my account and the authorization falls off I think I might just close the account and never shop there again.

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