vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
I opened a checking account with HSBC online on XX/XX/2018 as a part of he {$350.00} promotion, was able to setup online and mobile app access on the same day. After that I made two {$5000.00} mobile deposits, one on XX/XX/2018 and another one on XX/XX/2018. 

On XX/XX/2018 I received a message from HSBC Fraud Prevention Department, reference number XXXX asking to call back and verify my identity. The message specifically stated that the department is available 24 hours a day, 7 days a week.

On the same day I had called back around XXXX CST and after 15 minutes of wait was told the the Fraud Prevention Department 's hours XXXX XXXX EST and the usual wait time is 30 minutes. 

I called back again at XXXX CST/XXXX EST and after waiting 41 minutes without getting to anyone had to hang up. 

Called back on the same day around XXXX CST/1XXXX EST and after waiting 51 minutes without getting to anyone had to hang up again. 

As I am writing this XX/XX/2018, XXXX CST, I've been waiting for 20 minutes so far. 

My account is disabled and I am unable to access it online or through the mobile app with {$10000.00} sitting there. 

By far, the worst customer service I have experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The bank is Fifth Third. 

I have not closed the account yet. Waiting for interest payment. 

I have a " relationship money market '' account with 2 % for the first 3 months ended XX/XX/18. 

Even if I go below the {$25000.00} the offer says I would receive a blended rate. 
I had a balance of {$100000.00} until XX/XX/18. 
{$40000.00} until XX/XX/18 {$0.00} until XX/XX/18 Per Offer attached : " Your interest payments may reflect a blended APY that is below 2.00 % '' The bank refuses to pay ANY interest on the month of XX/XX/2018. 

XXXX XXXX XXXX is the personal banker. 
XXXX XXXX is the Manager. 
XXXX XXXX XXXX. 
XXXX, fl XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
I have repeatedly asked Caliber representatives to provide me, in writing or on their website, the breakout of my monthly mortgage payment - escrow portion. They refuse and will only provide TOTAL escrow amount of monthly payment. I believe as a consumer, it is my right to know how the combined monthly escrow amount is apportioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: MD

Complaint narrative:
i have been receiving at least 5 or more calls daily from different phone numbers last time i spoke with someone they were really aggressive threaten to sue if I did not resolve this balance. she called today and angry and hung up on me after i questioned her how did she get my work # that I never provided.At the beginning I did offer a payment arrangements and the first lady was like no, if you don't pay in full i'm fwd to the pre-legal dept. {$50.00} a month i was able to do. I did not provide my work number, they called my job looking for me. I advised her that she has my cell and email address to contact me. All i want them to either agree to the payment plan or proceed otherwise but don't threaten me or repeated calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: AES/PHEAA
State: DC

Complaint narrative:
XXXX has claimed on two separate occasions that their turn around for loan verification is 3-7 business days. After 4 calls and now a month of waiting, I still have not received my loan verification form for my employer. I need it because my employer, as part of my employment, pays for part of my monthly payments. They only pay for the months going forward after the paperwork is finished, therefore I am paying out of pocket for loan payments that my employer would have picked up had the paperwork been returned on a normal schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Central Portfolio Control Inc.
State: MA

Complaint narrative:
I had a loan with XXXX XXXX that was paid off in full from a mortgage refinance back on XX/XX/2016 which i have a copy of the cashed check in the amount of {$14000.00} with the correct loan number on the check and the bank statement showing that the check cleared the bank account. XXXX XXXX had continued to withdraw funds from my account for the past 2 years. They are now stating that i am in default and that they never recevied a payoff check and the copy of the check i provided is not valid since the account information was hand written.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
There is an account that is showing up on my credit report ( NATIONAL CREDIT SYST / XXXX / XX/XX/2013 / {$3500.00} ). This account is incorrect and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Around XX/XX/18 I opened a checking, savings and business bank account at XXXX XXXX XXXX XXXX XXXX   MI XXXX. I presented all the required personal identification documents, and they were deemed acceptable by the bank agent and the accounts were opened.

My wife and I then went abroad for a several months long work engagement. We are still abroad.

AroundXX/XX/18 I wrote myself two checks, each for {$5000.00}, from my XXXX Bank account which I share jointly with my wife, and I deposit said checks to my Chase personal checking account through Chase 's mobile app. The checks cleared shortly thereafter.

Around XX/XX/XXXX I noticed that online access to my accounts had been restricted. I called Chase, and they informed me that one of the ID documents I used to open the accounts was not an acceptable account opening documented, and my accounts will be automatically closed. They said they will mail me a check for the funds that were in the accounts ( {$10000.00} in the checking account, {$320.00} in the savings account ).

A few days later a check arrived for {$320.00}.

A week or so later, I called Chase to ask about getting a check for {$10000.00} from the checking account. They said they can not issue a check for the {$10000.00} because the name on the check was [ wife 's ] name. I explained that the account on which the check was drawn is shared jointly between [ wife ] and myself, but the name on the check is just [ wife ] 's name.

They said they needed to speak to [ wife ]. [ wife ] was right next to me at the time but they refused to talk to her on the phone. They said they require a " phone number that links back to [ wife ] ''. I gave them [ wife 's ] cell phone number but they didn't accept it. They checked their databases and couldn't find the phone number of [ wife ] that I gave them ( [ wife 's ] cell phone number overseas ) and so they refused to issue a check " until such time that I can supply them with a phone number that links back to [ wife ] that they can reach [ wife ] on ''. As I said previously we are now overseas and reachable only by personal cell phone.

I am now in a situation where Chase allowed me to open an account, and allowed me to deposit funds in my account, but then suddenly and without warning closed my accounts and won't return the money I lawfully and in good faith deposited.

For identification purposes, the account number of said checking account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NIC, Inc.
State: AZ

Complaint narrative:
I had an ingrown toe nail removed and was under the impression I could pay {$50.00} on XX/XX/2015. I was told to pay with check they did not take debit card. I received a receipt for the balanced paid from 3 years ago. Now it is reflecting with XXXXXXXX XXXX XXXX   for {$260.00} when I did pay the balance. I just want this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I have been dealing with XXXX XXXX for a few years on a debt that was not mine. I have mailed them certified letters, I have advised them to cease calling me, I have even tried to pay the debt to get it off of my credit report just to end the calls. I have also noted that they change the date of the debt to keep it current on your credit report to dodge the FDCPA protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I applied for credit card thru XXXX XXXX XXXX. I never received card I went in XXXX paid {$100.00} in cash on credit card pmt. They never gave me account number. I have called multiple times and multiple numbers. Each time being told they don't know why I haven't received my card. Or statements.. I have not been able to make payments on my account due to no statements being sent to me.. Someone called from a collection agency I explained the situation and told what I was told each time. They told me I could make a payment to them on it.. I told them once I was mailed a bill with proof of information I would pay but not until. I have no idea where my money would be going or if this was even a legitimate call. Problem has still not been solved and now it's on my credit report.

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 2018-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
On XX/XX/2018 about XXXX XXXX my mother who is the co-signer on the loan contacted Navient and paid part of what was due. At that time the customer service agent told her that the loan would be brought to current and the next payment would not be due until XX/XX/XXXX. Since that time I have gotten 19 harassing phone calls and counting telling me that my loan is past due. I called yesterday ( XX/XX/18 ) at XXXX to ask why I was still being called, to which the customer service person told me that there was a note on the file and it was the case that the loan was brought to current but took some time to reflect that as it was paid on a Friday. I'm not sure what day it was paid on has to do with anything or why they can't see the note on file. After talking with them my mother and I have both received emails today ( XX/XX/18 ) saying the the loan is past due and to contact them immediately. I had previously received an email that said that my contact information may be outdated and to contact them, which was another ploy. My mother and I both feel we are being harassed about an issue that they have said was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have a personal loan through Discover Card. No early pay off fees, no penalties. 
My payments are due on the XXXX or XXXX of each month but i can go in and change the dates as i see fit. I '' m current and never missed a payment so i have this opportunity. 

On XX/XX/XXXX, i went in and said to make my payment of {$650.00} per month on that date. I received an confirmation for this and said that funds would be withdrawn on that date. Today is XX/XX/18 and they were JUST removed from my account. 

XX/XX/2018 {$650.00} XXXX XXXX XXXX Pending This is the 3rd time this has happened and they 'say ' that it was corrected the first two times. However, when i brought it to their attention this time, no change. So i am paying interest from XXXX instead of XXXX. This might not seem like a big deal but my loan is at 19 % interest and it's for XXXX. PLUS, it's not right that they don't process the payments on time and when requested!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have a student loans with navient dating back to XX/XX/XXXX-XX/XX/XXXX. thru most of the earlier years, I signed up for forbearance but around XX/XX/XXXX, i got act together and they put me on a payment arrangement based on income. Each year, my payments went up but still affordable until about XX/XX/XXXX or XX/XX/XXXX. On a sunny XXXX day, I log into my bank account to see that over {$900.00} was withdrawn from my account. My normal payments were approx $ XXXX/month. 

I called Navient and asked why and how to i get the money returned because I can't afford $ 900+/month. At this time, they said my only option was to pay the $ XXXX/month or go into forbearance AGAIN. I said that makes no sense, I'm telling you I can afford $ 300-ish per month and you will not work with me. So i took the forbearance for a few months to only get notified that I my payments would be greater than $ 900/month now due to the forbearance. Fast forward to today, and my loans are no with collection agencies. I'm working to clear up my credit and was simply going to pay off the loan - approx $ 12K, in  full until I heard about the lawsuit against the company for misguiding borrowers. 
Now I don't know what to do. Do I qualify to be a part of the lawsuit? I am not a teacher or public servant. If i do quality, should I pay off the loan now OR do i wait?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I have a medical bill from XXXX XXXX XXXX here in XXXX, Oregon. The bill was only {$450.00}. I accumulated the bill due to I had been put into the hospital after a ex-husband became XXXX XXXX with me. He was XXXX and put into XXXX for XXXX. Long story short. I was not working at the time and going through a divorce. A non-profit battered women group helped me file divorce papers and achieve a restraining order against the ex-husband. My medical bill unfortunately was sent to a collections agency here in XXXX, Oregon. They contacted me and I started making making payments to them for the bill in person. I started receiving repeated phone calls from them daily. They left many voice messages on my phone for my ex-husband and his debt. I started receiving my ex-husband 's bills that were being turned into the same collection agency at my home address from XXXX XXXX here in XXXX, Oregon that he owed money to.I called the debt collection company ( Ray Klein Inc. ) multiple times and told the receptionist in person and through voice messages that I do not appreciate being harassed regarding my ex-husbands debt. I told them repeatedly to stop calling me and sending me his bills. I felt that I would never get over the nightmare that he caused me because now I was being haunted by a debt collector leaving messages on my phone regarding him and sending me his bills. What eventually happened was they quite contacting me regarding my debt that I was paying on. I told them repeatedly that my ex-husband was not living at my address and told them of what he did to me. No response. Now, my debt has incurred a {$100.00} in finance charges from the debt collection agency. They never sent me any other letters after the time that I contacted them regarding my ex-husbands debt. I am now being referred to an attorney for the debt.The debt collection has now been filed with the courts. A lawyer has been contacted and is now pursuing collection from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A.
State: NY

Complaint narrative:
PNC bank claims that my son took out two loans using me as a co-applicant in XX/XX/XXXX totaling XXXX. He started making payments when the deferment period was over, however he was unable to keep up with it due to lack of income and as a result it was turned over to a collections agency XXXX XXXX XXXX. He again tried to make payments to them and once again fell short. They then reached my husband by phone at home and discussed the situation with him without my consent and caused more stress and harm to his health. I then took over and agreed to help my son by making monthly payment from XX/XX/XXXX thru XX/XX/XXXX when I lost my job. 

I contacted XXXX XXXX XXXX and let them know that I will not be able to continue making payments and the woman became outraged and told me that I have to make a full payment of {$27000.00}. ( approx. ) within a week. I explained that I can not afford that then she said she will settle for {$16000.00} ( approx. ). Again I couldn't afford it so I offer a one time payment of {$10000.00} using my credit card and she took it and processed it right away. However, she did not informed me that upon payment this will settle the debt against my son and myself until I asked. I was disappointed and betrayed so I had her reversed the payment for failure to disclose her intentions. 
I then started to seek help regarding these loans to I asked for proof of them loans and PNC bank was able to provide me with only one promissory note for XXXX and I haven't anything on the other loan they are claiming. I never benefitted from any of these loans. 
I have no direct communications with PNC bank but XXXX XXXX XXXX representative made a false statement to them that I agreed to pay and settle for {$10000.00} to have my name removed. Now PNC bank attorney drawn up an agreement for me to make payment and settle which I did NOT agree to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have lived at XXXX XXXX XXXX XXXX since 1983 and have never had the addresses of Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Please remove these two former addresses from credit information. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Fraudulent inquiries are still showing on my Transunion report

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 2018-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CT

Complaint narrative:
I have graduate loans serviced through XXXX that I took during the XXXX school year. I began repaying them shortly after graduation and deferred payments for one year after going through a divorce. At the time I set up my repayment plan, I made it very clear that I was employed as a XXXX XXXX XXXX and planned on applying for PSLF. " Standard '' repayment was listed as a qualifying option. They enrolled me in that plan and I paid ( and continue to pay ) {$400.00} per month toward that plan. I got nervous at one point after hearing horror stories from colleagues that they had been paying into the wrong plan - so I called to confirm my eligibility. 

In XXXX of XXXX, I called to confirm that since I was in a " standard '' repayment plan that I was eligible. I confirmed my employer, and my payment type and was assured that was making eligible payments. 

It was not until XXXX of XXXX, after having my employer certified that I was notified that I was, in fact, NOT enrolled in an eligible plan. AND that in order to be, I'd need to pay a minimum of an additional $ 200+ per month and start over. That is not financially possible for my family, nor is it acceptable that if I DID enroll in this plan, I would pay off my loan myself and have nothing left to forgive. This has a tremendous impact on my family. I'm employed as a XXXX XXXX XXXX, so I'm not sure how they are calculating the Pay As You Earn, but they clearly do not have any idea what XXXX XXXX XXXX make. 

Additionally, I sent numerous messages back and forth with customer service reps through their inbox feature, and now those messages are no longer on my account ( that function longer exists ). 

I'm obviously livid and worried that I will be responsible to what equates to roughly {$25000.00} that I planned to have forgiven.

Company response to consumer: Closed with explanation