vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I recieved a call from a private number, saying they were with Navient. Saying they were trying to collect on a student loan i have. I have never gotten a student loan - EVER. When I refused to give them my info - they gave me a fraud number, but no one answered at that number. I want to make sure no one has used my info and I dont have a student loan. How do I verify this and not give my info to just anyone. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 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: CL Holdings LLC
State: KY

Complaint narrative:
In 2011 I purchase a new phone at a XXXX store in XXXX. At this time my contract was at a end with XXXX. I ask the young lady if I bought a new phone do I have to sign a new contract. She told me NO.. so I picked out a new phone. I purchased the phone with cash. During the purchase she had me to sign some papers. She told me the paper work was stating that I did n't want insurance on the phone. Almost 1 yr later I decided to switch phone providers to XXXX I went to XXXX in XXXX XXXX to cancel my service and they said I was under contract and would have to pay alot of money to cancel. I should have been out of contract for more than a yr or so. The worker in XXXX miss represented XXXX and con me into signing a new contract. I should not owe this money. I am a honest man that would n't do anyone wrong but I have been miss lead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America debited my account on XX/XX/XXXX for a deposit that I made on XX/XX/XXXX. The explanation that I was provided was that the same check was presented at a XXXX XXXX bank on XX/XX/XXXX and that they sent me some information in the mail but they would n't be able to assist me further. I raised my concern about fraud and that my bank should assist in protecting my funds, however, the response I was given was that Bank of America was unable to help me and I had to call the bank that issued the check to discuss. 
The check was issued from a XXXX XXXX XXXX XXXX ( XXXX ), when I called to discuss as instructed by Bank of America, the individual whom I spoke to stated they could only speak to and assist the individual who wrote the check, whom I needed to contact. I have not had any luck in getting the indivdual who wrote me the check to call me back or contact XXXX for them to begin their investigation into the fraudulent activity that ultimately impacted me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We subscribe to XXXX as part of my wife 's XXXX business. XXXX XXXX is based XXXX, we live XXXX. But the recurring charge of {$29.00} is being processed as an international transaction on our XXXX issued credit card. In the past this resulted in our being charged foreign transaction fees each month. We 've switched cards to avoid this fee, but presumably thousands of subscribers are being charged this fee every month fraudulently. I 've attempted to address this with both our previous credit card issuer ( BofA ) and our current card issuer XXXX XXXX XXXX, but neither has been able to resolve as apparently it is a result of the processor used by 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 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX. In XXXX XXXX Bank of America who holds my Visa card, acted in collusion with Bank of America Mortgages, and arbitrarily reduced my credit line to about {$50.00} over my current line. As you know, this has negatively affected my credit score which for the past several years has been negatively affected by Bank of America and its lack of sufficient documentation and lack of clarity on loan amount. My mortgage loan balance is approximately {$12000.00}. Bank of America has returned several ( XXXX ) payments to me, thus showing on their ledgers an unpaid month, then in turn, they charge me with late fees and penalties.

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 2016-09-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I just found out today my Bank of America XXXX XXXX credit card was closed by someone with the same name in XXXX. Why if they have been sending my statements to an address in AL they would start sending something to KY? How do a person with the same name except for middle initial close an account without providing security info? I am the primary and my husband was seconary, they said my husband closed the account, my husband was in the hospital in XXXX and still not able to use the phone. Where is the security, get this they ca n't reopen it for me or send me a copy of the letter they sent to the other guy telling him the account has been closed. It upsets me that anyone is allowed to manage your accounts.

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 2015-08-18 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I became XXXX by illness XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XX/XX/XXXX. Rec 'd notice of intent to foreclose from Countrywide XX/XX/XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XX/XX/XXXX, discharged XX/XX/XXXX. Bank of America completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to XXXX. XXXX continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. Bank of America went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by 4 months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay Bank of America, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. Bank of America should never have sold this nonexistent mortgage. I communicated all of this information to Bank of America, countless times, and then, to XXXX. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Ever since Navient has become the servicer of my student loan I have received continuous poor service. I have received conflicting information from agents, incorrect information, and a complete lack of competence and accountability. Most recently, after making a lump sum payment to the principle balance of my loan, I called customer service to have what they call a redisclosure to determine a lower monthly payment. I called on XX/XX/2017 and was told by the agent assisting me that the request for redisclosure had been made and I could call back in 14 days to find out the status. After waiting the required 14 days, I called back on XX/XX/2017, and was told that the system does not show where any request had been made. The request could be put in on this date but a determination would not be made until XX/XX/2017, causing me to have to wait another billing cycle to get my payment reduced. If the request was submitted timely the new payment would have take effect XX/XX/2017 but due to their incompetence the earliest it would take effect is XX/XX/2017. Unfortunately, this is not the first time that this same exact " mistake '' has happened to me personally, causing me to pay more than is required. This seems to be the norm with this institution and it is frustrating to say the least. This negligence is borderline criminal amd should not be allowed to continue when dealing with peoples finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 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: NY

Complaint narrative:
My Loan balance is incorrect, and I would like to request a hearing. This is a legal request that has to be given to me by the creditor of my student loan balance in which my account manager XXXX XXXX denied me. I will be speaking to my attorney on this matter. Also, his collection tactics were extremely rude, and unprofessional. I am being charged 13.12 % interest on an original balance that was not even specified to me with the form I will attach to this message. All that was specified to me is that I paid {$4500.00} in interest, and {$680.00} on my principal. My loan was around {$4500.00} when I initially started the loan. I know Navient collection agency is trying to rip me off because they say the loan is in default. I have proof that I have been paying the loan pretty much every month since 2010. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America savings account. I submitted a single payment to my XXXX XXXX account. I incurred five separate overdraft fees which Bank of America was unwilling to refund.

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 2016-06-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
There is degratory information appearing on my account for {$250.00}. This account is old. It was opened XX/XX/2012

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 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: CA

Complaint narrative:
In 2006, XXXX XXXX XXXX in XXXX XXXX offered me loans to pay for schooling. Credits they claimed were transferable, were not. The loans they claimed could be differed, could not be. After a year of schooling I was over {$25000.00} in debt and they wanted me to pay over {$300.00} a month on my loans to pay them as I went to school full time. They lied about everything and it has made my life difficult for these last 10 years. I understand I likely will not receive a reimbursement of the little I have paid off ; yet if you could get them to stop reporting on my credit history and stop haunting my future. 

Thank you, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
Dynamic Recovery Solutions LLC. used an automated dialer to call me on my cell phone several times without my express consent, in an attempt to collect a debt from a XXXX XXXX, violating the TCPA. On XX/XX/2015 I called Dynamic and asked to speak with their compliance department but the representatives kept asking me if I knew or if I could get a message to XXXX XXXX, repeatedly, over and over again, vilolating FDCPA 1692b ( 3 ). One representative passed me on to another representative who attempted to acquisit ( acquisition ) location information from me, more than once. 
On XX/XX/2015 I called Dynamic and the same thing happened all over again, violating 1692b ( 3 ). I finally talked with representative XXXX XXXX who said he would send my information over to their compliance department. 
Since my first call to them I told them I am XXXX and not XXXX XXXX. It has been impossible to speak to someone in the compliance department, when all I get are other debt collector representatives who continue to violate the FDCPA. Common sense, if my area code is not in the same area code, or State for that matter, the third-party debt collector should investigate a little better before attempting to collect from the consumer. See the XXXX v. Enhanced Recovery order.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Global Trust Management LLC
State: TN

Complaint narrative:
The company XXXX XXXX XXXX has made repeated calls to my employer, my family, and my friends claiming I owe a debt and need to call them back. 

The number is XXXX xXXXXName : XXXX XXXXThey have not sent me any correspondence via mail about this alleged debt. It is to the point of harassment. They call 3-4 days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data-Central, LLC
State: CA

Complaint narrative:
My daughter had a XXXX boy that had a huge crush on her and she told him that she only liked him as a friend only. He got upset and told his mom that she was saying she wanted to XXXX. She was XXXX years old at the time. So his mom called the sheriffs department in our countyand told them my daughter was going to XXXX which was not true. So the sherrif came to my hose with an ambulance and took my daughter away for a XXXX and XXXX which was a lie from that boy. The ambulance company hired Data Central to collect over {$1500.00} from me for an ambulance ride that this boys mother se into motion over a rejection lie. They need to take off this bogus debt as it is not mine but the boys mother. I had to pay apprx. {$200.00} for an evaluation which came back good on my daughter. This woman caused a lot of XXXX believing her son whom is a liar. This is not my bill, but hers to pay for her sons lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Every day, sometimes twice a day, I get an autodialed call from Central Credit Services stating that " This call is for XXXX XXXX. If you are not XXXX XXXX, call XXXX. '' I called the number numerous times and explained that I am not, nor have I ever heard of a XXXX XXXX and to please remove my number from their list. I called the number again this morning after I got yet another call from them. This time their mailbox was full and I could n't leave another message. I believe this is harassment as they call early mornings and I 'm an older person. The only thing I can see that XXXX XXXX and I have in common is our initials. The gender is not even the same. It does n't look like they have any intention of stopping these phone calls. Oh, and at XXXX point the automated message says, " if you continue to listen, we will assume you are XXXX XXXX '' or something to that effect. The problem is, you ca n't disconnect. If you hang up and pick up the phone again, the recording is still going until the end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
My identity was stolen in XXXX, and several debts were incurred in my name. For XXXX of these debts I am still receiving debt collection notices, from different companies. It appears that the debt has been transferred or sold by these companies, despite knowing that the debt was based on identity theft, and not collectible. The account is a credit card that was opened in my name with XXXX XXXX XXXX XXXX, with a balance of {$460.00}. 
I first learned about the account on XXXX XXXX, XXXX by phone call from XXXX XXXX, who worked for XXXX XXXX XXXX, and said she represented XXXX. I faxed her a copy of the police report to fax # XXXX. I also sent a letter to XXXX, with a copy of the police report. 
On XXXX XXXX, XXXX I received a demand letter from XXXX XXXX XXXX, attempting to collect {$540.00} on the same fraudulent account, current owner XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX the same day, with a copy of the police report. 
On XXXX XXXX, XXXX I disputed the account with XXXX. 
On XXXX XXXX, XXXX the account was removed from my XXXX file. 
During the month of XXXX, XXXX, I received phone calls from XXXX with XXXX XXXX in Florida ( at XXXX, or XXXX XXXX ). He told me the current owner was Credit Card Resellers, and the balance was {$450.00}. I do not know why the balance was lower, as I had not made a payment on this account. I emailed XXXXXXXXXXXX the police report, the XXXX letter stating the account was removed from my file, and a reminder not to try to sell my account to someone else. On XXXX XXXX, XXXX I noticed a charge for {$450.00} on my XXXX XXXX business credit card. I spoke with my office manager, who told me someone from XXXX had called the office and demanded payment for a past due debt, upon which she had given them the office credit card number. I contacted XXXX XXXX to reverse the charge, which they did on XXXX XXXX, XXXX. I could not believe XXXX XXXX was trying to collect on this account behind my back, knowing full well it was a fraudulent account. 
Last month I received a demand letter from Dynamic Recovery Solutions referencing the same XXXX account, with a current balance of XXXX, current owner International Collection Services. I am mailing them a cease and desist letter, a copy of the police report, and a copy of the XXXX XXXX, XXXX letter from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-06 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: Real Time Group, Inc.
State: OH

Complaint narrative:
This collection agency has been reporting late payments to all credit bureaus for a mortgage that was foreclosed on in 2013. Please see mortgage documents that states this mortgage was cancelled. They collected {$5000.00} from my husband and I while we were under duress. We 've always omitted that this debt was not ours however while trying to purchase a home this collection had proven to be damaging to our scores and the loss of a few homes because of late payment reporting. During this time we were notified by our lender that this debt in fact was NOT ours, and supplied us with legal court documents reflecting proof. Unfortunately a settlement was made, and {$5000.00} was collected from us. We are filing this complaint, as this collection agency illegally collected on a foreclosed mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Working with Senior Mortgage Processor XXXX XXXX with PenFed FCU has been a nightmare to get a mortgage on a home in Texas. She did not communicate well at all, and actually was unresponsive to e-mails for more than 10 days, a complete failure in such sensitive processes as a mortgage application and executing a closing schedule. For more than a third of the window in which I should have been able to communicate my questions and concerns, PenFed 's representative was unavailable. 

The scheduled closing date for the home/loan is Monday, XXXX XXXX. Within just a few days of closing, XXXX began to communicate about problems she was having and additional documents that were required. All of the documents requested in the beginning of the loan application process were provided within 3 days of the request, and now ( Friday, XXXX XXXX, more than 20 days later ) there may be documents required at XXXX on a Friday for my closing the next Monday. This unfortunate use of XXXX 's time may result in a delayed closing on my home. 

From the questions being posed to the title company by XXXX, it does not appear she has a clear understanding of Texas real estate sales, to include the way property taxes are done in Texas. I would caution anyone who gets a mortgage application assigned to XXXX to quickly speak with a supervisor to request your processor be changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
Due to the conversion of the Matrix XXXX account to the Matrix XXXX my credit report is reflecting XXXX open accounts with a Credit Limit of {$300.00} each. The XXXX open accounts are hurting my credit rating. I requested Matrix please contact the XXXX credit bureaus and request the CFC ( Matrix XXXX ) account be removed or updated. Please see the attached documents. Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation