vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I received a notice that my private JP Morgan Chase student loan was being moved to XXXX ( XXXX. At the time I paid my account ahead before it was moved. My first bill from AES had a XXXX balance. My second bill, slipped my mind and I paid it 3 days late ( I paid over double what I owed for the month ). My payment was due on the XXXX, and I paid on the XXXX. 

Yesterday XXXX/XXXX/15 I received a collection letter from the XXXX XXXX, in the amount of {$15.00}. 
XXXX Ref # XXXXCreditor : JP Morgan Chase Bank , N.A . 
Loan Balance : $ XXXXPast Due : $ XXXXI called Chase to verify why I received a collection letter and they said they would have to connect me to XXXX. I called XXXX and the XXXX XXXX, and was told that the collection letter that the XXXX XXXX sent was not really a collection letter, but an attempt to " reach out '' for me to make a payment and that it would not go on my bureau. 

The collection letter was actually sent on XXXX XXXX, 3 days after they had received my payment, and I was current at the time. 

I feel that this letter was an attempt to harass or scare me, which it did. I work hard to keep my credit bureau clean and this was a very distasteful way to contact me about a payment that was just 3 days late. Furthermore, I did not receive a phone call for being late, rather the collection letter was automatically sent per the agents I discussed the matter with at the collection agency and XXXX. 

My university was XXXX XXXX, in XXXX, Indiana

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I filed in 2013 for a modification of my mortgage loan with Bank of America Home Loans. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from one of BOA 's branches. Thus, I sought help from XXXX and now XXXX, CFPB and XXXX XXXX XXXX XXXX. THE MOST RECENT WAS information SHOWING on the DEED that this LOAN IS INVALID ACCORDING TO THE RESTRICTION IN PLACE. I sent a complaint also on XXXX. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. BOA knowingly deceived me by continuing to send letters stating they needed more time to research the matter. BOA, then sold my loan to XXXX. I notified XXXX of the dispute that was still ongoing with BOA and supplied them with a copy of the certified Lien release from XXXX XXXX XXXX XXXX. In working with XXXX XXXX, XXXX are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against Bank of America for not releasing and invalid loan and making a sale to XXXX while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them ( XXXX XXXX ), which is wire fraud and XXXX for going forth with the sale after I notified them.. See case numbers Cfpb XXXX for Deed restrictions, lien release copy from XXXX and contact information on Director XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I have been a customer with Bank of America for over 16 years. I have a credit monitoring service that contacted me regarding possible Credit Card ( CC ) issues that will affect my credit rating. The card was issued by Bank of America ( BOA ) and according to them I was a co signer. According to them this was for my daughter and done XX/XX/XXXX. The report to my XXXX rating account was due to the card going overlimit ( Not for non payment ). I canceled the CC so further issues were not created, and requested they investigate the matter as I had no record of this. BOA sent me a Fraud application to my accurate address dated XX/XX/XXXX. Since I did not know anything about this card my daughter said this was her card and I told her I had canceled it and she could get another, and she needed to pay off the balance. I was never contacted again. XX/XX/XXXX I was offered a CC by BOA for a XXXX. I applied and was given a card with a 25 % interest fee. When I checked my credit report I found that BOA was reporting that I had not paid the questioned account we discussed XX/XX/XXXX. BOA had all the information to help correct the problem. BOA has not contacted me with a demand notice or any further request to clear the CC issue but they did kept sending to the credit report companies I was Not paying my bills. BOA now have a way of posting to my Credit account deficiencies I know nothing about but will still give me credit at high rates!! 
So a BANK of AMERICA can ruin a persons credit then offer them credit at much higher rates because of low credit scores that Bank of America inflicted on the consumer. I spent over 12 hours trying to get them to correct my credit report. I was advised that the CC was paid in full, I am not in cummunication with daughter but via third party told her to pay the bill - however BOA will not correct the damage to my credit rating. This is Bank fraud!!! - Nothing further was snet from BOA to me. I assumed that because the

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 2017-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX, I received a text message from Bank of America ( henceforth BoA ) asking if a few suspicious transactions were legitimate. I immediately responded " NO '' as directed. Immediately afterwards called BoA to cancel the card, where I was told that the card was cancelled. 

In actuality, they never cancelled the card, and the thief went on to continue using the card, withdrawing XXXX dollars. I have been back and forth with BoA three or four times, and each time they say they will re-open the claim, and every time they say it was not their fault and re-close the claim. 

Again, I flagged these transactions and called to cancel the card and got confirmation that it was cancelled, and they never actually did! MOST of the theft occurred AFTER I called BoA to confirm the fraud and cancel the card. 

At this point, I am out over $ XXXX, and they keep giving me the run around. How can Bank of America act like this? They flagged the transactions to me in the first place and I called in to cancel the card! This is entirely their fault, and it has put me in a serious pinch.

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 2015-05-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX/Navient is unable to service my loan and apply my payments correctly. 

It has been going on for XXXX years, but since the last XXXX months it has become predatory. XXXX months ago I called into to change from a XXXX repayment program to a program where I would pay the same amount for the life of the loan. They said my new payment for the duration of the loan would be a little over {$700.00}. XXXX months later, they called me back and said they " forgot '' some of my loans and my new payment would be {$890.00} per month. I would not have changed to the fix payment program had I know it was going to increase so much. After they guaranteed me over the phone that the $ XXXX amount was what I would pay for the life of the loan, I then decided to re-assess my budget and purchase a home with my wife. Then, shortly after purchasing a home, they called and said they " forgot '' about {$190.00} in charges. 

Since then, I have to call in every month to make my payment. Every month I am told I owe a different amount, ranging from {$100.00} to over {$1200.00}. Every month I am told that my previous month 's payment was applied incorrectly by the customer service associated I spoke to and that the current month 's payment would be applied correctly. My payment has not been applied correctly in over XXXX months and XXXX XXXX/Navient refuse to research into the issue OR call me back regarding the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
In XXXX, 2016, my mortgage was purchased by Ditech, LLC from XXXX XXXX XXXX. At the time Ditech purchased my loan, I was in the process of a loan modification with XXXX where I was in the midst of my three trial payments prior to the modification being finalized. Since Ditech has resumed responsibility for this loan, I have incurred numerous additional fees to my account due to their delay in processing my modification documents. Every time I contact customer service, I get a different answer from a different representative. It is beyond frustrated. I completed the modification tiral payments in XXXX, 2016, and continue to fight with Ditech for an accurate, final monthly payment. While Ditech has taken it 's time to finalize my load modification, my credit continues to suffer as Ditech is reporting my load delinquent. I have made attempts to make payments, and each time I call, I am told a different amount is due as a result of numerous errors, and delays on Ditech 's behalf. I have spent hours, upon hours on hold, only to be told to wait another 3-5 days for an issue to be resolved, only to contacthem them back and be faced with another obstacle. This company has deplorable customer service and lacks accountablity. I have done and provided everything this company has asked of me since they resumed my mortgage, however, I as the consumer have continued to suffer deleterious monetary and credit rating decreases due to this company 's negligence. It is XX/XX/2016, seven months since Ditech has been my mortgage lender and their continues to be issues after with my monthly payment amount. I have never experienced such subpar service from a financial institution.This company needs to be thoroughly investigated by the CFPB as they are grossly negligent in the way they process loans and modifications,, payment calculations, they do nothing timely, and I am sure they are out of federally regulated time frames, and other mortgage service obligations. Their customer service is extremely inept and promotes XXXX and frustration amongst borrowers that are trying to do the right thing to keep their homes.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I hired XXXX back in XX/XX/XXXX to assist me with removing items that did n't belong on my credit report due to the age of the debt or incorrect information. I had an auto that repossessed in XX/XX/XXXX and it was auctioned and sold. The creditor added on extra fees and I had disputed with them regarding the balance owed. This still item still remained on my credit report during my dispute with them. In XX/XX/XXXX, with the assistance of XXXX, this item was removed off my credit report It has now re-appeared showing a totally different company as the original creditor and the open date for the account is showing XX/XX/XXXX which is incorrect. I fell that they are trying to re-start and old debt and to my understanding, that is illegal to do. I did reach out to the collection agency today, XX/XX/XXXX and when I advised this information that they are reporting is incorrect, I was placed back into the call rotation. I 'm hoping you can help me. This is showing up on XXXX, but I 'm not sure if it 's showing up on the other XXXX credit reporting a agencies.

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 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I have an account with Capital One 360 and have for a few years. Maybe. Their customer service stated on XX/XX/XXXX that my account was in the negative in XX/XX/XXXX and they closed it. Strangely enough, they still sent me a new Debit Card and accepted my transfer of money to get my account balance to XXXX. Last week I deposited all my funds from another bank and initiated this transaction through Capital One and they accepted the deposit. Suddenly they are stating the account was closed in XX/XX/XXXX. I am befuddled as to why they were still accepting deposits on a closed account and most importantly, they still have not returned the money, which they said they would. I am currently XXXX and the XXXX and change is all the money I have in the world. Why are they so quick to accept money, but not so quick to give it back. I 'm staying in a XXXX right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX acct, td bank should be deleted as they were paid in full over XXXX years ago and XXXX years ago charged off acct was a fraud acct and XXXX acct/XXXX was never late as they were ordered to change due date to the XXXX they took XXXX months to do that as the payments were made before the XXXX and XXXX acct was paid and closed over XXXX years ago never late delete this acct

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In XX/XX/XXXX I was graciously given a Hamp modification while XXXX XXXX XXXX was serving my loan. My Hamp modification came with XXXX different abilities to earn reduction off my principal balance. The XXXX monthly incentive reduction equaling XXXX a year for 5 years and earned principal forgiveness of a deferred portion of my loan equaling XXXX amounts each year over 3 years in the end reducing the deferred portion at the end of the 3rd year. The first year while still with XXXX the 1st year earned principal forgiveness was completed as I received my year end statement and my monthly statement reflected as such. In XX/XX/XXXX my loan was transferred to Bank Of America and all seemed fine. When the 2nd year came BOA did not apply my 2nd year reduction. I started reaching out, no help. My 3rd year came no reduction, still no help. I I finally got someone due to going to their XXXX page and complaining and they opened a case in their escalation dept. Well still no help, so back to XXXX I go. Tonight I get a call from social media who states now I will get another escalation specialist. This man was kind but did n't even understand the terms of my Hamp Mod. I need someone to intervene here, I have never missed a payment or ever late under my modification which BOA sees and is aware, they just do n't know what they are doing. I need confirmation and in writing that all XXXX earned principal forgiveness portions have been completed and that my monthly incentive for the yearly XXXX had been reduced, and if it was not done, then BOA owes me a credit of the 2 % on the accrued interest portion over the past three years for the XXXX a year. Please make them answer and complete what my agreement states! Also make sure the balance on my credit report is reflecting currectly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
Did not give authorization to discuss medical information to an outside or 3rd party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I received an alert from my credit monitoring services, to check my credit reports. Credits Reports are showing an account opened on my behalf by XXXX XXXX ( date unknown ) and it was referred to a collection agency services on XX/XX/2016 with an outstanding balance of {$380.00}. The Collection agency name is AMSHER Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX / XXXX. Collection agency account number is XXXX. The collection agency referred me to a Law Firm called XXXX XXXX XXXX, phone number XXXX. XXXX does not have any record of me opening a business corporate account on my name nor SS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 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: Diversified Consultants, Inc.
State: VA

Complaint narrative:
In XX/XX/2016 I attempted to obtain services with XXXX for home internet. I was told someone would be out in 4 days to install the internet, and I received my router in the mail. XXXX canceled the tech coming out because someone who lived here before had their services all I had to do was plug in the router and follow instructions as I did and it never worked. When I called back it was going to be another 2 weeks to have someone come out and at that point I canceled the account. I was sent the labels to send everything back, I sent it all back Via XXXX. Over the last 5 months I have received bills and collection calls and letters from them. I spoke with a rep in the Financial services department in XX/XX/<YYYY>, she said it had been received but not processed and it may take another moth or so ago. I started to receive more and more calls from their collection agency and bills so on XXXX XXXX I contacted them via XXXX hoping to resolve this once and for all. I was told by the Financial services department my account had been credited and the treadline on my Credit report would be removed with in 48 hours. it is now XX/XX/2016, and I received a letter from a second collection agency Diversified Consultants Inc to collect on the balance that was to be credited XX/XX/XXXX. I reached out to XXXX again and now they are saying they can not locate my account. I am so tired of being Harassed and given false and misleading information. My next step after turning them over to you is to contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I paid Diversified Consultants for XXXX XXXX XXXX on XXXX XXXX, 2016. We settled for {$390.00}. I was told that they would send me a satisfaction letter within 48 hours via email and they would also mail out a letter that I would receive within 10 days.During this time they had reported to the credit bureaus that this account was paid in full and closed. I waited until XXXX XXXX, 2016 for the letters and I received NOTHING, so I called back and they told me I would receive it in 48 hours, again nothing. On XXXX XXXX, 2016 my XXXX report showed a open balance of {$720.00}. On XXXX XXXX, 2016 I called Diversified Consultants to have them explain to me why it had been reported open on my credit and to see why I had not received a letter. All they could tell me was that it was paid in full and closed and my letter had been mailed out that day and I would receive it within 10 days. I finally received it on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a letter from XXXX to pay a balance of {$320.00} that had been forwarded to them from XXXX XXXX XXXX. I contacted XXXX and told them I had already paid this account with Diversified. They told me to contact Diversified and have them update their records with XXXX XXXX XXXX so I did, the gentleman on the phone said that they had already updated the account with XXXX XXXX XXXX and there was nothing more that they could do, but he would transfer me to a supervisor. I left a message on the voicemail for the supervisor and received no call back. On XXXX XXXX, 2016 I faxed the letter from Diversifed to XXXX and on XXXX XXXX, 2016 I emailed them the satisfaction letter. They responded back to me via email stating that they could not close the account until they investigated it with XXXX XXXX XXXX. I called Diversified again on XXXX XXXX, 2016 and they told me that there was nothing they could do, but forward me to a supervisor. The supervisor did not take my call so I left a voicemail to have them call me back. After I hung up I called XXXX XXXX on XXXX XXXX, 2016 and they told me that Diversified had only reported a half payment to them instead of a settled in full agreement and that is why I was receiving letters from XXXX. They had me email over the satisfaction letter to their collections department so that they could investigate this matter and get it taken care of. I am still in the process of trying to get this all cleared up.

Company response to consumer: Closed with explanation