vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is a complaint against Bank of America. I recently opened an account with bank of america in branch for a small business account for a bonus of {$500.00}. 

The terms were as follows make deposits of {$5000.00} within the first 60 days and make XXXX in purchases on a new BofA credit card ( thus I should recieve XXXX ). I did both and I waited and waited. I made sure to go back into branch and was assured that I had met the terms of the bonus. I even called the bank directly, again I was told the bonus would post and no action was needed on my part. Multiple reps assured me that I had met the terms of the bonus. No bonus was forthcoming. I called today and was told that now after the fact I did not meet the terms of the bonusno clear explanation as to why the direct deposit I completed didnt count. When confronted on what others had told me the individual on the phone simply stated, I dont know what to tell you. '' An investigation was opened. ( I am not hopeful ). This is an extremely shady way to operate. Bank of America should pay out the bonus offer as specified. 

I will file a complaint with the AG office in my state of MA and send this complaint over to Senator XXXX office. This is outright deceitful to 1. tell me I met the terms ( when I didnt ), and then deny the bonus ex-post facto the bonus date had passed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
I initially filed a complaint on XX/XX/2017 in reference to not receiving validation of the debt as requested before placing this account on my credit file. XXXX XXXX ( compliance analyst ) responded stating " DCI has no record of receiving any correspondence from XXXX XXXX requesting validation of the debt therefore it was never provided. '' ( I 've attached a copy of the response ) and I also have the certified mail tracking the receipt of the documents.However I received a letter dated XX/XX/2017 ( 2 days after my initial complaint was filed ) responding to the debt validation letter I mailed that XXXX XXXX claimed DCI had no record of. I 've attached that letter also. What was sent as debt validation is a copy of a final bill, not a signed contract between this company and I. 

First this account should not have been placed on my credit file before the " debt validation '' was mailed. XXXX XXXX stated that DCI had no wrong doing in this matter which clearly placing this account on my credit file before responding to the validation request is a violation of my rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened an account with XXXX XXXX. A month after opening the account I received my first bill. The amount billed was almost double to the agreed price when service was established. I called XXXX to dispute and we agreed to close the account. I paid the remaining balance and sent the equipment in. In XX/XX/XXXX I learned of an account in collections that I was unaware of. The account holder is Debt Recovery Solutions with a collection amount of {$2400.00}. I contacted them at the time to verify the debt which is when I learned it was a XXXX account. I then reviewed my credit report and found that XXXX is also reporting an open collection for the same amount. I have over the last several months contacted XXXX to not find any resolution. XXXX is telling me that they have no record of the account and all liabilities and accounts were sold to XXXX XXXX. I was directed to them, XXXX has provided me in writing that they have no record of the debt. 

My complaint is how can two companies report the same debt? Furthermore why are they reporting it given that they can not provide any information about the validity of the debt? Debt Recovery Solutions has claimed they have proof, which I would still dispute, and which they have not provided me. XXXX, XXXX XXXX and Debt Recovery Solutions have failed to prove a valid debt and has violated the law with the dual reporting. The only thing I have received from my inquires was increased calls and letters from Debt Recovery Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD bank manger is sending me handwritten envelopes with letter threatening to close my account, harassing me by telling me not to write checks or use my debit card. I called the customer service number 2 times and was told there was no record of my complaints. I was also told the mangers manger would call and this was also a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Good afternoon, I got business loan from Bank of America 5  years ago. My financial situation changed ( got divorced ) and was trying to re-negotiate my interest rate and loan term. Bank refused to do that for 3 years now. Only put me on Forbearance.and makes my debt even worst. It is not possible to work with somebody there because they all the time changing representative. 
Now they threatening me to sue me instead to come to right solution. I do not want to file for bankruptcy, I love my profession and I would like to continue helping my patients. Bank does not understand that dealing with XXXX insurances is killing our profession. 
Please help! Thank you. 
Sincerely

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 2017-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: OR

Complaint narrative:
I purchased a Vehicle Service Contract ( VSC ) from Honda when I purchased my car 2 years ago. This contract was presented and sold to me that I would have access to road side assistance and free rental car when my car was in  need of repair. Below, Ive also pasted verbiage copied directly from Hondas website regarding this contract. 
A XXXX XXXX XXXX provides benefits your manufacturers warranty does not. For example, with XXXX XXXX, youll get roadside assistance1,2 and rental car coverage1 when your vehicle is being serviced for covered repairs, and extensive component coverage5 Recently I received a recall notice from Honda and called to make an appointment. I was told that I do not have a Vehicle Service Contract. I called back again and the second  representative I spoke with stated that I do have one but that a recall is not considered a repair. My car is in need of repair due to the recall. Their verbiage is ridiculous. They are selling a product that does not provide what is described under their terms. 
I wrote to customer service and requested that they confirm that I purchased the VSC. They responded and stated that their records indicate that I do not have one and advised to call this number ( XXXX ) if I had any additional questions. ( Case Number XXXX ) The email I received also stated that a case manager would be reaching out to me in 1-2 business days. It has now been 8  days and I have yet to receive contact. 
I called the number provided and spoke with XXXX XXXX who CONFIRMED I have a VSC. I requested that she send me a copy of the contract which I received in the mail last Thursday ( XX/XX/XXXX ). I sent a copy of the contract to Honda on that same date and asked that they note my account so that I dont encounter this issue in the future. Still no response. 
The VSC I purchased cost over {$2000.00} and added an additional year of payments to my loan. This is a substantial amount of money and it is mind boggling that Honda can not accurately track their own records. 
I am appalled at the lack of communication from Hondas customer service. The VSC is a SCAM. I either want my money back or for Honda to acknowledge that I have a VSC and provide me the coverage that I purchased. My car is being recalled and needs to be repaired. Under the terms of the contract, a rental car should be provided when I bring my car into XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Laid off, and they have no plans to lower payments, ,and they keep adding late fees,, when a person notifies a place that they lost there job, you should automatically be put on a reduced payment plan, ,with no late fees or, other charges, There are 2 accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I called Experian for two reasons. I asked them what happened to my XXXX card that was reporting and why has n't my authorized user account from my sister XXXX XXXX not reporting yet. 

They stated they did n't see a XXXX on my report and that there was never a XXXX card reporting. I explained that that was not true and that i have had the card sine XX/XX/XXXX. They stated it was never on there and that they did n't know what to tell me. They explained they can have someone look but they did n't know. When I asked about the XXXX XXXX they said they removed it from my account because there was a late payment from XX/XX/XXXX. I asked them why would they remove that because it was positive on my report and they said they had the " right '' mot because I was n't responsible for the debt. I explained that I needed that to report on my credit and they said they did n't know what to tell me again. 

I asked where does it state if there is a let payment you wo n't report. The supervisor ( XXXX out of XXXX TX ) stated he 's not her to prove anything to me. They took it off and thats that. He then stated he was n't explaining himself to me any longer and that it wo n't report until XX/XX/XXXX. I asked him who gives them the right to say what can not go on my report if I authorized it and he stated he has it. When I asked to be transferred to a different supervisor he stated he can take my name and number and have someone call me. To this date no one has called. 

He then to me to call XXXX because he had no other suggestions to tell me.

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 2017-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: IN

Complaint narrative:
Cosigned a loan car was reposted primary person on loan is in XXXX  I am currently in a XXXX home in XXXX XXXX insurance have no money night have told them over and over to quit calling me they call and threatening me they threading to take my social security which would leave me homeless They are very rude yelling and screaming at me that they will get their money one way or another I have explained my situation to them numerous times they continue to threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
The original Loan ( XXXX ) in XX/XX/XXXX was for disbursement from Salie Mae was {$10000.00} with a 9.25 % interest rate deferred until leaving school. 
The pymts began in XX/XX/XXXX & since the interest rate has increased to 10 % & the amount went from {$130.00} to {$140.00} with a current balance of {$10000.00} as of XX/XX/XXXX The 2nd loan ( XXXX ) was for {$7600.00} in XX/XX/XXXX with a 9.625 % also deferred. 
The current balance is {$7500.00}. The pymts began in XX/XX/XXXX at {$93.00}. The interest rate is now 9.875 % with pymts of {$98.00} The 3rd loan ( XXXX ) was in XX/XX/XXXX from Salie Mae for {$4000.00} with a 7.25 % also deferred. The current balance is {$3200.00}. The pymts began in XX/XX/XXXX were at {$50.00}. The interest is now 8.25 % with pymts at {$51.00}. 

As you can see no matter how I try the interest & pymts go up & the balance hardly decreases. When Salie Mae was contacted I was told that this is what I needed to pay & they would not change anything. Additionally the interest rates would continue to increase so I would owe more. 

This is a co-signed loan. I am XXXX XXXX 's Grandmother so it is becoming increasingly difficult to pay. He is still only at entry level at the job he has from his education & it is difficult for him to pay rent etc & give me money for the loans. 

I do not understand how they can continue to increase % 's as I pay each month. I asked the criteria about that & got nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
XX/XX/XXXX - approved for Income based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XX/XX/XXXX - called to make sure IBR payment amount is correct ; account rep said my family size was incorrectly input as 6. Account rep says I need to resubmit my IBR application with correct family size.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
For the past XXXX Months XXXX XXXX has sent Transunion the information for this credit card and Transunion is not adding it and every time i call them they say they do not see it. It was on my credit and they accidentally removed it and will not put it back on. XXXX XXXX has sent them official documents for it with no luck.

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 2017-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I have been having a problem getting a dispute taken care of for several months now. On XXXX XXXX, I made a purchase with a company by the name of XXXX XXXX. I was supposed to receive some cosmetic products, but they were never shipped and I requested a refund. I have not heard from the company since so I sent a dispute to NFCU for a refund of the transaction. I submitted and faxed my information on XXXX XXXX, and received no details on the case at all. I contacted NFCU business services and they said they had no record of the dispute. So I filed another, and a month later still no response or even acknowledgement they received anything. I have sent the information to their mailing address, their fax number, even sent messages to them through their online page with no response. 

I can not get anyone to help me. 

Included is the charge. It is for {$7900.00} Even if I did agree to pay a 20 % restocking fee in the application ... ..I never actually received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
I refinanced my original mortgage with XXXX in XXXX at a high interest rate. This mortgage was modified to reduce interest in XXXX. That company sold to Bayview loan servicing the end of XXXX. The new company tool over the beginning of XXXX. This company has received payments above the amount due for my payment every month. They have been placing the additional funds in as unapplied funds even after reminding them this is to be applied to principle. They have also added a late fee to my bill even though I pay early and extra. They stated that this is not a late fee but a company fee that occurred during the transition period. Upon review of all documents they have sent there has been no resolution to this issue. I removed the twice a month auto drafts and chose to pay online the full amount I have been paying with the specific allocation for additional funds to be applied to principle. I received my statement last week and it still has a late fee listed and unapplied funds from my last payment. The statement also states that no payment is due until XXXX. It is my belief that this is also how the previous company was handling my payments upon further review of statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contacted XXXX XXXX about a transaction for XXXX that I did not make they told me the would look into it and take care of it. I contacted my local police department first to report the card missing/stolen. I then contacted XXXX XXXX and was told the above then a few days go by and I was told that they said after there review they can not refund me. I have requested to reopen the case and also requested any documentation supporting there decision and all they have done so far is reopen the case. I am still waiting for them to provide any documentation they may have. The bank is XXXX XXXX  witch is XXXX XXXX or XXXX I have been sending message after message to them with no response. This transaction is not part of my spending habits and I thought my bank stated they monitor your spending habits to prevent fraud because they have stopped transactions for XXXX $ or XXXX $ from the same store for me witch was actually me making them but when it came to a almost 1000 $  purchase they do n't block it and do not help me get my funds back. I am also on top of this claim submitting one to the Board of Governors of the Federal Reserve System. Anything you do for me will be of great help. Thank you. Also this was a international charge on top of everything else! And I have never made one before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I 've reached out to TransUnion several regarding a tax lien which had been satisfied and is still showing on my credit report verified as accurate. I 've made several phone calls and provided documentations as proof that the information listed is not accurate. Theyve investigated, so they say and returned with the same results " verified as accurate ''. Customer service representatives including one supervisor I spoke with were very dismissive and I do n't believe any investigation regarding the accuracy of the tax lien was done. This credit bureau was quick to put information on my credit ; however, when there is time to remove/update there seems to be a problem. A customer should not have to deal with this issue.

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 non-monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am the XXXX XXXX XXXX XXXX and I write my employee paychecks through PNC. When my employees go to cash their paychecks, PNC charges them a {$10.00} fee. The employees do not bank at PNC but because I write my employee checks through PNC I feel that they should not have to be charged a {$10.00} fee.

Company response to consumer: Closed with explanation