vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SIMM Associates, Inc.
State: FL

Complaint narrative:
I was contacted by SIMM associates regarding a past due balance for a private student loan serviced by XXXX XXXX. I was in contact with XXXX about possible forbearance options as I had recently lost my job. I am not one to miss payments and had a track record of on time payments since XX/XX/XXXX. In conversation with an associate from XXXX ( XXXX XXXX ), on Friday, XXXX XXXX, XXXX, I told XXXX that I would be making a payment directly to XXXX on the XXXX of XXXX XXXX my XXXX paycheck after 5 months of unemployment ). She insisted that I call to make the payment with her instead and I declined. After my interaction with these in incompetent people, why would I give them my bank account information? These people can barely formulate a sentence with proper grammar. On Fri, XXXX XXXX, I contacted XXXX to let them know I would log on to my account and make a payment to get my account to current status. I spoke with a nice lady named XXXX and she also said she has heard terrible stories about XXXX associate interactions. I proceeded to make my payment online with XXXX on XXXX, XXXX and received a confirmation number. XXXX said that if I contact SIMM, to supply them with this number in order to stop receiving phone calls. I contacted XXXX XXXX at XXXX, and supplied her with my confirmation # and requested that the phone calls to my personal phone, as well as my office line ( yes, these people are harassing me at work when I just started a new job 3 weeks ago and am trying to earn a living to pay them!! ) STOP. XXXX informed me that calls may continue through the weekend in order for the system to update. It is now one week later ( XXXX XXXX ) and the calls continue on a daily basis. I paid my debt and do not need to be harassed any longer!! I called SIMM on XXXX, XXXX XXXX and spoke with XXXX XXXX yet again to get nowhere. The excuse this time was that their employees do not check the notes in the system before they make calls. Really? Is n't that the point of a company having a tracking system in the first place?! These people are incompetent and XXXX and they need to be stopped!! We are now at XXXX XXXX and my phone continues to receive voicemails from these people. When will it stop? It 's been 7 days and I highly doubt that a system needs that long to update. If you have a good relationship with your client, communicate with them!!! The lack of communication between XXXX ( the servicer of my loan ) and SIMM Associates is unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I obtained my loan in XXXX when I had enough equity in my California home to pay the $ XXXX cost of the XXXX 's program upon graduation. In XX/XX/XXXX the housing market crashed, esp in California and my home was well upside down. No more equity. And not my fault, or rather completely out of my control. And finally, no more home since I had to leave the state for continued employment. Now XXXX/Navient wants me to pay on a loan that 's edging closer to $ XXXX due to interest since XX/XX/XXXX. I simply can not afford it so I keep forbearing and I do n't have much of it left. Is n't there any help for those who lost so much money in the housing crash? Lost everything???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PINNACLE RECOVERY, INC.
State: VA

Complaint narrative:
Pinnacle Recovery, a collection agency called my place of business and left a detailed message regarding my debt. When I returned the call and complained that it was a violation of federal law to call one 's place of business, the gentleman denied it. I then asked for their business ' address so I could submit a complaint about them and he refused to give me the business ' address. He then said he would only provide the address if I paid the debt. I refused to pay the debt and that is where we currently stand.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Summit Financial Corp.
State: FL

Complaint narrative:
I am less than 30 days behind on my payment. I scheduled a payment online several days ago to process on XXXX/XXXX/16. This morning I received an email regarding this matter, however my email and about 10 other emails were attached in the same message. I feel like this is personal information that should not have been shared with multiple parties.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ESCALLATE, LLC
State: NC

Complaint narrative:
This debt is medical and was supposed to be takin care of by my active insurance.There is no proof of we 're this debt is from or y it was n't taken care of by insurance. I would like all the information on this debt and the true collector and origin of the 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 2016-12-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I had a chapter XXXX bankruptcy discharged more than a year ago. Thereafter, I have been paying my mortgage via automatic debit monthly. It appears that there have been at least in XXXX and XXXX ( dates I can see online ) thousands of dollars in corporate advance fees charged. I see such fees as defined as processing fees on other website. What is the legal basis for these charges. I never received any communication from the bankruptcy court that such additional fees were authorized. The amounts vary widely {$300.00} here, {$800.00} there, in fact and law, how is a consumer supposed to know what they are paying. I am thinking my principal balance is being paid down when in actuality my months payments are being syphoned off for unknown costs. I want these fees refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC.
State: TX

Complaint narrative:
recieved call on XXXX/XXXX/16 from XXXX XXXX XXXX telling me that the local district attorney office had a warrant for my arrest and would be arrested and sent to jail today for a pay day loan check that is 11 years old.of course no one came and was only a scare tactic. the DA told me they dont take payday loan cases by texas law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
MISCONDUCT IN MORTGAGE SERVICING. Recap of attached letter : On XXXX XXXX, XXXX -- less than ten days after receiving the XXXX payment on a current mortgage with no lates in over ten years -- Ocwen defaulted my mortgage ( loan balance of {$280000.00} / original loan {$480000.00} ) for " insufficient funds '' of {$10.00}. Ocwen sent back the valid un-canceled check dated XXXX XXXX, XXXX ( which it received XXXX XXXX, XXXX ) in the amount of {$2100.00} ( principal and interest of {$2000.00} + {$110.00} late fees ) by taping the check to a letter which falsely stated that a " Notice of Default '' was previously sent -- it was not. This letter crossed in the mail with borrower 's XXXX XXXX, XXXX payment of {$2000.00}, which Ocwen has not credited to the account. Presumably Ocwen will return this check which it received prioir to XXXX XXXX, XXXX as " insufficient funds '' by claiming additional unauthorized late fees and continue the default -- a moving target XXXX. Loan has never been delinquent since XXXX XXXX. Paid to date over {$260000.00} to date in principal and interest. Ocwen falsely represents that the XXXX payment was " denied by the financial instituion '' which is categorically a lie as it was never presented to the issuing bank. Ocwen now demands only certified payments and threatens foreclosure. Most likely will try to extort that I escrow my insurance ( also up to date and paid independently and property taxes also up to date never late in 23 years ). Also guessing that Ocwen falsely reported the default to the XXXX credit bureaus. SHUT THESE CROOKS DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Oxford Law, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX I received a call on my cell phone from Oxford law llc out of XXXX Pennsylvania. After a lot of wasted time and being talked to very rudely it was discovered they had the wrong phone number on account, and was assured I would not receive another call. I informed them due to my cell plan they cost me money every time they call. I was contacted on XX/XX/XXXX again. It might not sound like a big deal but it is a waste of my time and money due to their incompetence. I find their business practice and tactics very questionable. I have not been late on a bill since the late XX/XX/XXXX and find it very insulting to be spoken to they way they do. As I was looking them up online I was praying they were close enough to drive to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Prepaid card — Payroll card
Issue: Adding money — 
Company: Netspend Corporation
State: IL

Complaint narrative:
I am trying to transfer money to another account. I have in writing from Netspend that they do nit transfer to other Netspend accounts or to external accounts. They have n't given me any info on how I can transfer money to another account. This seems like the bank is false advertising transferring funds to accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I 'm on XXXX, when I finally won my case I needed a bank so I can have my checks directly deposited. I opted for a Netspend card, I thought I had researched it, but apparently not. The check I received from XXXX was {$75000.00} I had made some Purchases, then I noticed money was disappearing, charges were made from XXXX for a cell phone unlock thing. I do n't have a cell phone. Double charges, That was how I noticed I was being ripped off. I contacted Netspend, nothing, they hang up on me, tell me lies, I come to find out that its an offshore call center. The first thing they ask you is your SS #. There is so much to this., We finally got somebody from Netspend in the XXXX to talk to us, but then he gave us the run around. Lied to us, did absolutely nothing to help. He even said he would send me a copy of my account info, when he did they charged me {$5.00} for it. Bottom line is I 'm missing at least {$20000.00}. My family and I spend a year homeless because of my XXXX, we 're about to be there again. I need my money. All I want is my money back. If you check online on how many complaints there really are on this company, in the last month alone, its crazy and wrong. This company should not be in business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: MN

Complaint narrative:
Well I have had problems with accessing my account online and that is the only way I can get any information or do anything that has to do with my account other than getting money. Everything else is impossible because that 's the only way you can .I 've emailed the president of the company ( Netspend ) that is were my government XXXX gets direct deposit to. Now I have been contacting them about this problem for 5 years. I just recently have emailed there President twice now and he had some lady contact me and all she could say is to click on forgot password well I have tried XXXX of times over the years and I told her that and nothing even if I call they just have me do what already have been done XXXX of times before and that 's the far as it gets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have moved numerous times since XXXX 2015 and only learned of this debt when reviewing my credit report, as well as a notice in 2015 at my parent 's address. I contacted XXXX XXXX XXXX, they stated it was about the equipment and I told them that it was returned since my ex made her own account and received different equipment. I was advised by XXXX XXXX XXXX that the issue had been resolved, my bill would be corrected to {$0.00} and they would contact Southwest to take it off of my account. I continue to receive calls at all times of day and night on my work line and cell phone. My number has been passed to XXXX different numbers. I receive calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and other numbers either leaving automated message that leads to no where or no voicemail at all. I receive more than three calls a day on work and cell line. It does n't matter what time of day or weekend. I feel this company is fraudulent and have only read bad news about this company being a ripoff. Please assist, I received three calls on my work line just as I was writing this issue. I feel this is harassment and continue to receive calls that I have to mute my cell phone and screen my work line. I can not work with constant harassment from phone numbers that even when pick up they do not leave message or the call is hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
Nationstar Mortgage requested information that was unnecessary ( confirmation of SSN for tax purposes, even though the institution had already sent a tax form and clearly had this information. They also did not include a postage-paid business reply envelope, as is good practice for business mail. I responded to this and paid postage myself to get this to them reliably. After being told the notice was in error, I have requested that they refund postage. They have refused and additionally, sent me someone else 's information (!! ) in a response. They keep insisting they sent a response envelope that was paid, while a quick glance on XXXX for this joke of a lender would tell you that no-one got such a paid return envelope. Bad practices and privacy violations are just the tip of the iceberg with these guys, but it 's a place to start.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
XXXX calls constantly. Automated message, leaves number stating to contact if not person they are trying to reach. Receive automated announcement to select XXXX to make payment or XXXX for office hours. No other options! I do not know who they are and have no information to share regarding anyone else. There has never been an actual person on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
They keep calling me at my place of work everyday.when I told them My employer does not allow me to receive calls here at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: National Arbitration Forum
State: AZ

Complaint narrative:
I 've reported these people before. You have open complaints. I received another call this morning at XXXX XXXX. Here 's the transcript : Hello, This is XXXX XXXX XXXX we have some paperwork listing your name and address that 's involved with an investigation that requires your immediate attention we need a return call back from you, so that we can report you 've been cooperative and compliant in our investigation. Our office number is XXXX, Please reference file number XXXX when calling. Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I recieved and update on my credit report advising of a new collection in the amount of {$97.00} of which i do now have any outstanding debt of this amount. I do n't know if this company. However i have researched to find that they are known for fraudulent practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: NY

Complaint narrative:
They have been calling since XXXX and in a matter of 3 hours have called 5 times and left 2 messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a Private Banker the Promissory Notes presented to Wells Fargo are my personal Banker 's Notes which are seen as cash according to 31 U.S.C. 5103 and 18 U.S.C. 8 they are legal Negotiable Instruments. UCC 4-302 makes Wells Fargo liable to me. 
Because Wells Fargo did not honor my promissory notes created to payoff peoples property. 
I DEMAND Wells Fargo send me cash-able checks equal to my Bankers Notes which Wells Fargo has in it 's possession. Bank policy does n't out rank Uniform Commercial Code, United States Code and operation the way the Federal Reserve XXXX clearly states how every bank in the United States does. 

When I was told the promissory notes were worthless I did a test. I created a promissory note wrote my contact info on it, then sent it to to U.S. Treasury via the IRS. I also included a letter requesting to be contacted if what I was doing was against the law. I was never contacted. 
This complaint was created because CFPB needed more info after they received my complaint about promissory note dishonor from the WhiteHouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX XXXX, XXXX XXXX customer Care XXXX Consumer Finance Protection Bureau Bank of America, XXXX Via : Website Complaint Submission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : account # XXXX XXXX XXXX XXXX To whom it may concern at Bank of America and the Consumer Finance Protection Bureau, Although I have written many letters about my dilemma, I will try to keep this recap short and to the point : 1. As with most Americans, I was severely impacted by the XX/XX/XXXX unprecedented financial crisis. 
2. My situation differs in that I took what I thought was the more honorable route. My debt relates to my former business, that I did not declare bankruptcy -- in other words, I did not " use the system ''. Who thought we would be in a long-term crisis? My business faulted when XXXX XXXX, owned by the XXXX XXXX XXXX did not pay their bills for product DELIVERED. This was just before the crisis hit! 
3. Much of my business expenses were charged to this card. If you look at the former credit limit, and money used against that credit limit, and on time payables, you will see that I was never a credit risk. 
4. During this period since XXXX this BOA account has been transferred from XXXX collection agency to another, so much so that I have lost track of who to submit payment : XXXX .... 
5. Recently I received demanding phone calls from another agency, name unknown, demanding payment without any written support. When I stated I would only submit payment when I received something official I was told, " You will be listed as uncooperative. '' I have amicably settled bills with XXXX and other credit agencies through these years- not BoA. Where are my rights? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My Name is XXXX XXXX, Navient has been taking care of my loans. After having issues making the payments that they were asking of me which are $ XXXX monthly. I 'm a single father of XXXX there 's no way that I could pay this amount. They did n't provide me any other choices. They also lied to me various of times. if my payment would be around XXXX I would be able to pay but they are not willing to work me, because of this my loan my default. This will ruin my life. I wanted to know how I could be part of the Lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Pioneer Credit Recovery Inc. has left messages with family and friends on more than one occasion. This is in direct violation of the Telephone Consumer Protection Act ( TCPA ). In addition, they have use robocalls with a recorded message in which they ask for a XXXX XXXX. At the end of the message, a phone number is left for her to return the call. 

Pioneer Credit Recovery Inc XXXX XXXX XXXX XXXX New York 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