vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-24 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: MA

Complaint narrative:
- XXXX Obtained XXXX XXXX loan in XXXX for XXXX school in XXXX- Service transferred to Navient in XX/XX/XXXX and defaulted upon receipt- Approximately {$4800.00} has been paid toward this debt- No correspondence received from Navient- I called Navient on XX/XX/XXXX to inquire about resolution of this account. I was connected to " XXXX '' employee ID XXXX. XXXX Efforts to resolve have been answered with, " we will not do business with you. '' " There is nothing to resolve. " - These responses were given without any offer for resolution. I merely said I was trying to resolve the matter- my requests to be connected to a supervisor were refused- XXXX gave me a number to call, upon inquiry of who the number was for i.e in the company or not, XXXX told me he could not provide that information- Navient is reporting additional amounts on credit report despite their representations that there is " nothing to resolve. " - Have received calls from unidentifiable/unsearchable numbers without voicemails. Nothing received in writing for collections. *Given the frequent nature of these calls and this being the only account with my current number I am assuming these calls are related to this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
someone give me a fraud check and I suddenly deposit it thru my account. I just wan na help but I did n't realize that check is fraud and he keeps calling me to send him the money after I put in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC
State: NY

Complaint narrative:
Funds were transferred to an inactive rushcard by mistake, the reason it 's inactive is because it was never ordered by me and was sent to a completely different address the more than 4 years ago. When I called to have them void the transfer they told me it was impossible without reactivating the said card. When I explained in never even had the card nor do I know who does, they told me thy would send me one but would take 10 business days. Who could wait 10 business days for their own, oney. Why would a transfer be able to complete on an inactive card but not one going out on card. Because it only benefits RUSH to keep the money longer .... finally had one. Rep tell me they can send one overnight but would cost ME {$30.00} for their incompetent system and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I signed up for the checking account promotion for the performance select checking where I should have received a bonus for meeting certain requirements within 60 days of opening the account. I was told by the branch person, XXXX XXXX, that if I direct deposit {$2500.00} I 'd get {$200.00} and if I did {$5000.00} I 'd get {$300.00}. Within the 60 days I direct deposited {$2500.00} but did not receive a bonus in my checking account, which is now six months old. Reading the fine print again, if I did n't deposit {$5000.00} in the product type that the person opened for me, then I get nothing. That is not at all how it was explained to me in person, which was completely misleading. They should have put me in the right product, not what is best for her or the bank 's stats.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC bank is charging {$140.00} in overdraft fees for XXXX transactions of {$2.00}, {$3.00}, {$10.00}, and {$19.00}. There was a deposit of {$600.00} on XX/XX/2016 and another deposit of {$150.00} on XX/XX/2016. Making it so PNC had {$750.00} of my money. They stated these XXXX transactions happened between XXXX. and midnight. After speaking to a representative and they told me to make a deposit of {$140.00} before XXXX pm on XX/XX/2016 which I did. PNC bank is refusing to refund the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: J J Marshall & Associates, Inc
State: IN

Complaint narrative:
Over a year ago I was trying to move out of my grandmother home into a place for the first time and every place I applied for would not accept me because I have an eviction on my credit which I never had my own place before as I previously stated. I constantly contacted J J MARSHALL ASSOCIATES INC several times and I kept getting the run arounds. They constantly were telling me they were going to send out a fraud pocket on step to dispute the matter, which I never receive so I reported the situation to XXXX to dispute the matter after a year trying to do it on my own with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I have an auto loan with BMW Financial USA. On their website, I had the option to set up an automatic debit for payments each month. This tool also allowed me to designate an additional dollar amount that would be drafted and applied toward principal. 

While perusing my online account after the initial draft was applied to my loan, I noticed that the additional payment amount has been applied toward my next month 's installment payment and not toward the principal balance. 

I am still in the process of resolving this issue with BMW Financial USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: OK

Complaint narrative:
ACS Education Services is refusing to provide a payoff quote for each of my XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
Dear CFPB, I received a letter from BMW via MY BMW online account stating that they would reconsider my application for refinancing of my vehicle which I financed through them, as a brand new purchase in 2011. 
Today, the refinance agent told me that the decision was made and I could get a co-applicant but it basically would not help me keep my vehicle ; I would need to trade it or sell it on my own. 
When I mentioned I received an email reply to how I could get my BMW refinanced through BMW since I am already financed through them, the agent said he had never heard of the person I received the reply from and that the reply did not matter because they were not going to refinance my vehicle even though I have been financed through them for the past 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Do NOT include any personal information such as account numbers or Social Security numbers. 
I had a check hit my account during overnight processing - I was told by a represantive at the bank and customer service line that this happens at XXXX and XXXX in the morning. I was alerted my account was overdrawn around XXXX - I called told them that I was going to make a deposit and they advised me to call back once I had made the deposit and they would pay the check. I made a deposit at XXXX - I went into the bank where they informed me I needed to call customer service to make sure that the check was going to be paid. I called customer service who initially told to turn around and go back to the bank and speak with the Branch manager - I asked to speak with a supervisor - I was transferred to a Money Manager - who told me nothing could be done because the deposit was not made before XXXX and then said they needed to review the acocunt and speak with another Manager - I was placed on hold for XXXX hour and no one came back to the line. I called back and was told that it was too late and there is no such thing as a XXXX Manager and they had no idea what I was talking about. Extremely unprofessional, misleading and decietiful - all the way XXXX was the last represantive I spoke to and refused to provide her name or access to a supervisor. I had to ask several times - it is absolutely absurd that every the policies and procedures of a bank change depending on who you are speaking with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: INTEGRAL RECOVERIES, INC.
State: NY

Complaint narrative:
Integral Recoveries Inca is attempting to add interest ( {$17.00} ) to a Medical debt owed to XXXX XXXX NY. I would like to see original signed agreement where an interest accrual was permitted on this Medical debt. The company also threatens to report to major credit reporting agencies if not paid. Credit reporting is for consumer transactions, not obligations such as Medical, XXXX etch. See XXXX vs. XXXX. This notice not only provides an inflated balance but threatens credit reporting when they have no legal right to do so under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
My credit card from PNC Bank Credit Card was compromised when XXXX had a security breach ... I was notified from PNC Bank that they would be sending me a new credit card in XX/XX/XXXX, to replace the old credit card that may have been compromised from the target breach at the end of XXXX XXXX ... I also spoke to them at this time about making a payment and they told me to hold off until I received the new credit card ... .I was supposed to receive the new card in XX/XX/XXXX, however, I did n't receive the new card until XX/XX/XXXX, almost a month and a half later ... .Once I received the new card I immediately called PNC Bank to activate the new card to replace the older one ... I ask the representative at the time if the account was open and activated and he stated that it was, however, at the time I talked to this representative, it had already been closed by PNC Bank ... The rep told me to set up a payment in the next week or so since the account was running behind due to PNC Bank mailing out the new card a month and a half late ... I called back in a few day later and agreed to set up a payment until the rep told me PNC Bank Closed the account XX/XX/XXXX and PNC never notified me they were closing the account ... I was outraged, since I had been a customer all my life at PNC ... .PNC also charged late fees and over the limit fees, how convenient, while I was waiting for the new card to arrive ... At that point I called PNC, and they said the person I needed to speak with about this problem was in a different department, and a person would call me to speak about this in 72 business hrs ... .I never received a phone call from PNC, after I called in several times about the credit card ... .At this time, I have XXXX credit cards, XXXX showing up on my credit reports, XXXX, XXXX, and XXXX, and this is in direct violation of the fair credit reporting act, since PNC failed to call me back to discuss my credit card being compromised, and that they would be using negative information in my credit reports ... They also state in credit reports that we came up with a resolution, then I disputed this, simply not true ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BlueChip Financial
State: LA

Complaint narrative:
They took out {$150.00} on XXXX different occasions without my consent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Hirshberg Acceptance Corporation
State: MI

Complaint narrative:
I was notified by my bank that my bank account was frozen on XXXX/XXXX/2016 for a debt I have not been notified about or received any notice of. I have received no collection forms, calls, letters to this point from this company in at least 12 years of said debt. I have yet to receive notice of this debt but my bank account is now froze.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime
State: TX

Complaint narrative:
This vehicle had a bumper to bumper warranty on it. They never honored the warranty and I was looking at {$4000.00} in repairs. I had several dealerships try and work with them and they would not budge. After 2 months of not having a vehicle I let took it back.

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 2016-12-18 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: Southern Management Systems Inc.
State: FL

Complaint narrative:
This is not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BlueChip Financial
State: MD

Complaint narrative:
XX/XX/XXXX, I was contacted by SpotLoan about {$800.00} dollar loan. I verbally said yes. In haste I did n't understand how high the interest was. 

The percentage on repaying is 228 %. Sine XX/XX/XXXX, I have paid the {$800.00}. But now I will be paying {$40000.00} until XX/XX/XXXX. 

I receive XXXX in the amount of {$1200.00} per month. I receive SNAP in the amount of {$16.00}. My rent {$560.00} per which includes some electric and cable. 

As of XX/XX/XXXX I a paying the high interest, which I can not pay. Due to the low amount of food stamps, I used part of my XXXX, for food, medicine, and supplies. 

Plainly, I can not afford to pay {$400.00} until XX/XX/XXXX! 

Can you please help me?? .y Controller of Maryland told me to contact your group.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: MA

Complaint narrative:
I have a XXXX Loan with ACS Education Services. I have submitted XXXX deferment forms in the last 3 years. They say that they process the form XXXX5 days after receiving the form, but that has never been the case. My deferment forms have been neglected for weeks and only processed after I emailed them. This time, it has been 8 weeks, and they are not even responding to emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Capital Management Services, LP
State: GA

Complaint narrative:
This is the third time I am writing you about harassment from Capital Management Services. They have once again resorted to calling my cosigner at her place of work in intervals of less than thirty minutes claiming it 's an emergency. This is especially egregious because they denied doing so. My cosigner is a XXXX. Capital Management decided that since I was n't paying them quickly enough on my fixed income that they 'll do their best to get my cosigner fired. This harassment is ongoing. Please call XXXX XXXX XXXX in XXXX, GA to verify how many times they call daily because XXXX times when they submitted a response to this office, they knowingly lied. Why is a company openly allowed to spite taxpayers? Why is this company allowed to endanger children repeatedly by tying up the phone lines of the public elementary school my cosigner works at, when I can be reached? Will they ever face any type of punitive measures for harassment and pettiness or is that only reserved for working class individuals?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: TN

Complaint narrative:
They put on my credit report I owed XXXX I dont know these people I was never contacted it took me along time to build my credit score up and now they have damaged it I had a score of 763 but now with this it makes me so anrgy. On the XXXX site it also talks of other people that dont have these bills and they have reported to credit bureau. These people are trying to scam old people plus XXXX knows who else. something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
I am trying to rebuild credit due to a divorce and get copies of my credit report on a regular basis. Yesterday a collection popped up on my account from a place called Midwest Recovery for {$1000.00} it says was opened XX/XX/2016. From XXXX XXXX XXXX. I have not any loans with any of these people. I have not received any communication of any form from this company but yet they put something on my report. I am in the process of disputing with the credit reporting agency as well. But this is not fair. This is not my bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial
State: CA

Complaint narrative:
I took out a loan with Spotloan.com for {$300.00} I thought that {$50.00} was the payment each month and it turn out that they wanted {$91.00} instead I was upset and I called them and I refuse to pay back {$700.00}. They are now taking me to court and I told them I am willing to pay back the original {$300.00} in payment and they want to take me to court.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
I had been receiving phone calls that I owed a {$790.00} payday loan which I never asked for and never received. Now a company named Midwest Recovery Systems XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has placed this charge on my credit report which is affecting my credit. I never received a loan nor will the company provide any documentation stating that I received any monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: MD

Complaint narrative:
while checking my credit report I found a enquiry about a student loan with ACS Education Services in XXXX XXXX, NY. I call them on XXXX and spoke to XXXX about this matter and she wanted my SSI over phone andni kindly refuse to do so. I explained to here that the pulled a credet enquiry form my credit report and that was not me looking for a student loan, I 've not looking for a student loan from anyone cent in was in bankruptcy chp XXXX

Company response to consumer: Closed with explanation