vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: RI

Complaint narrative:
I have a complaint against my mortgage Co Selene Finance. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX phone # XXXXXXXXXXXX XXXX sold my mortgage to Selene. I had an agreement with XXXX that if i paid before the end of the given month i would not be charge late fee. I was not behind on my mortgage. Once this was sold I also contacted Selene and asked them to do the same since we live pay check to pay check and my husband gets paid on the XXXX sometimes going past the XXXX which the mortage is due by. they would not comply with this. To make matters worse I was out of work due to an opperation and did not get paid right away. The mortage was due so we sent in {$1100.00} not the full {$1400.00}. What we did pay was the principal and interest and some towards the escrow for taxes and insurance. They cashed the check but said they can not credit the account because they do not post partial payments. So now my statement shows {$1100.00} unapplied and am considered late. I want them to post the {$1100.00} and not consider me late. What else can I do. I also want them to work with me to not charge the late fees which are building up. What can I do. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc.
State: CO

Complaint narrative:
Im being harrassed about a debt i did not owe to the original creditor. Ive asked them to stop contacting me and to remove the derogatory mark from my credit report they have refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC
State: NY

Complaint narrative:
I got hurt at work XXXX in XXXX 2015. I went to XXXX hospital. I filled out all of the workers comp paperwork while at the hospital and also gave copies to my employer at the time. I am not responsible for these bills and they keep calling and harassing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Oxford Law, LLC
State: OH

Complaint narrative:
Oxford Law , LLC. XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX, Fax : ( XXXX ) XXXX, Toll Free : XXXX - XXXX. 

Keeps calling me XXXX times a day, and calls my place of employment XXXX to XXXX times daily. I 've already been warned by my employer to stop these harassing phone calls. I 've told the above mentioned company to stop calling me. Company has not stop but has gotten more aggressive with their tactics including talking inappropriately. This company is causing me many problems and are putting my livelihood at risk. This company needs to immediately stop all communication with me or anyone in link to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC.
State: OH

Complaint narrative:
A company called XXXX XXXX XXXX XXXX has been calling me as well as several other people I know harassing me and them that I pay this bill. The # they are calling from is XXXX. When I have tried to ask them details about this loan they will talk over me and threaten to get in contact with me employer. They 've also said that they are going to file a criminal and civil complaint against me and have my license suspended. I 've asked them in several occasions to email me the information so I can look over it. They refuse to do so and said that they have plenty of times and that I better pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My checking account with Huntington Bank, # XXXX, is set up to automatically make a payment every month to XXXX on XX/XX/XXXX. XX/XX/XXXX, my automatic payment was not made and no notification was given to me regarding the lack of payment. As a result, XXXX reported me to the credit bureaus as being 30 days late. I found out about the issue on XX/XX/XXXX and manually created a payment for {$120.00} to be send to XXXX on XX/XX/2016 ; so if you look at my history, XXXX payments went out on this day - the one I input the the normally scheduled payment. 

I had plenty of money in my account to cover the {$120.00} payment on XXXX, but even if I had n't, Huntington bank should have at least notified me of the issue. I talked to XXXX and because I had never been late on a payment before, they waived the late fee, but I was still reported as being 30 days late. I need my credit reports fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Select Management Resources, LLC
State: LA

Complaint narrative:
Hello my name is XXXX XXXX I took out a title loan on my car XXXX XXXX I borrowed! XXXX dollars I have been paying XXXX a month for past XXXX months. That 's almost XXXX dollars. My father was diagnosed with XXXX. I have been off work trying to help him and my mother. Then XXXX XXXX XX/XX/XXXX I became ill with XXXX. These people called me in hospital they call while I am at doctor with my dad getting his XXXX. I feel like I have paid them XXXX dollars interest. I borrowed XXXX now they want me to walk back in with XXXX plus what I have already paid.. I ca n't do this. I have NEVER seen anything like this. This is NOT right and SHOULD be against the LAW. They ca n't even explain to me how they are coming up with almost XXXX dollars then they want me to sign another contract which is about XXXX pages long plus add another XXXX plus XXXX a day for every day that it 's not paid in full. That would be almost XXXX dollars I do n't have that kind of money.. Please help me. I do n't know what to do. Lone Star Title loans SHOULD NOT be aloud to take advantage of poor people. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: VA

Complaint narrative:
EXTENSIVE WAIT TIMES TO GET A HOLD OFF MY ACCOUNT. THERE WAS NO EMAIL OR PHONE NOTICE OF HOLD ... ONLY FOUND OUT WHEN TRYING TO ACCESS MY FUNDS. 20 MINUTE, 24 MINUTE, 34 MINUTE WAIT TO GET TO THE RIGHT PERSON. THEY CLAIM TO HAVE INSUFFICIENT STAFF TO HANDLE CALLS ... S O WE DO NOT GET THE SERVICE WE ARE PAYING FOR.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: NY

Complaint narrative:
XXXX was loaded into my netspend Card to purchase a airline ticket the transaction was cancelled by the agent the netspend company is withholding my. Money for almost a week and a half asking for all these documents which is impossible to get I set them evidence of the transaction and they still refused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: GA

Complaint narrative:
They called and pretended they were XXXX and offered to cut my bill down in XXXX if I opened up a debit card called NetSpend and paid my XXXX bill with it. They had all my information ; address, last XXXX of my social, what package I had, my monthly bill, etc. I called XXXX and they said they were not affiliated with NetSpend and that they are a scam.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Netspend Corporation
State: TX

Complaint narrative:
I put an XXXX iPhone 6 plus on layway for my daughter for {$710.00} at the XXXX store. I made several payments with cash and debt cards. After I completed all the payment and I received the phone. When I tried to activate the phone with my provider, XXXX informed me that the phone is locked under t-mobile. I returned the phone to XXXX for a refund. They said it would have to be replaced on a credit/debit card. I informed the manager the payments we made mostly with cash and there were different cards yused. He told me it did n't matter which card. I gave them a netspend card in which the total purchase amount was refunded to the card. In about 24 hours the refund posted. At that time netspend put a block on the total balance {$920.00} in the account instead of blocking or have the refund pending. I am truly outraged and I 'm infuriated. I have no access to any money. I call customer service to resolve the issue. It should be against the law for them to not allow me access for my funds that were in the account before the refund. I provided them receipts. It is as easy as making a phone call to get validation on the transaction. Now I have to pay a fine for court tonight @ XXXX but I have no money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I processed a separate complaint on XX/XX/XXXX and have not received the response i 've been looking for. This southwest credit sys company is obviously in a separate world and feels like the rules do n't apply. The government should shut companies like this down. I 've uploaded some documents relating to this. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
On XX/XX/2017, I received an alert via my XXXX account that a collection account from SW CREDIT SYSTEMS L.P. had been added to my credit report. The account referred to a XXXX account. This collection account was added to my credit report without any prior contact from SW Credit Systems. It is not mine -- I have a current and active account with XXXX. 

On XX/XX/2017, I sent a debt validation letter by certified mail to SW Credit Systems requesting them to validate this debt. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Fraudulent charges on account are refusing to be acknowledged and reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
Debt collectors have n't called outside of proper hours, however I am having an issue with debt collection companies not providing me with a receipt for my monthly payments. I 've spoken with multiple representatives and supervisors who always claim they 're going to resend it but they never do. A common practice for these companies is to only allow you to speak with XXXX person who is authorized to handle your account. The issue with this is very rarely is that specific person available to take my call and when I leave a voice message my calls are never returned. It is ridiculous that I have to make demands for something as simple as a payment receipt. These companies need to improve their customer service now!

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 2016-08-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a credit card with Bank of America for many years. Just recently they sent me a XXXX form and a XXXX form to fill out and mail back to them saying that they need to update my information. No other credit card company has sent such forms. B of A already has my Social Security number which they got when they granted me a credit card ( years ago. ) So what is this all about? I am asking CFPB to live up to its name and protect me from corporate over reach in data mining, etc.

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 2015-06-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
They say my account is okay but the next month it 's not. It 's been over a year and they still ca n't communicate right

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This also concerns an earlier complaint that is still unresolved, # XXXX. Since then, another unauthorized transaction has occurred. On XXXX XXXX, 2015. XXXX XXXX - XXXX deposited XXXX check into my savings account. Check XXXX in the amount of {$540.00} and check XXXX in the amount of {$220.00}. Despite previous warnings and flags attached to my Bank of America accounts that were in place to prevent this from happening, it happened again. XXXX XXXX XXXX had previously deposited checks into an account unknown to her. The XXXX XXXX Branch of B of A allowed XXXX XXXX to deposit these check into that account ( XXXX XXXX and when XXXX checks were returned to her she now had the complete account number of my savings account. Or maybe B of A just provided her with this information at that time. On XXXX XXXX, 2015 she used my name, not her own name when making this deposit ( as evidenced by the attached " counter credit '' ). I would like to know who these checks were make out to and who 's signature is on the back of these checks?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient continues to call my phone multiple times daily. Although I am behind on my payments I did contact the company in attempts to set up a payment plan and was told nothing is available to me. The calls have continued and when I asked that the calls end I was told they would continue until a payment plan was arranged. I expressed my frustration with the harassing calls. The company will not work with me on my past due amount but also will not cease the calls. I have XXXX private student loans through the company and have been making payments on XXXX of the XXXX loans because of my current financial situation I am unable to make both loan payments. After speaking to Navient multiple times I have exhausted my options. The phone calls come in at least twice daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America closed my credit card account at some unspecified time without notifying me. I 'm not sure when, but I paid off my balance last month. When I called to ask why they closed the account they said it was because I had n't used my card in 60 days and they were n't receiving money from me. They reopened it, but until I receive a new card, which they estimate will take 2 weeks, I ca n't use my existing card even though apparently my account numbers, etc. are all the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
bank of America morg has remove funds from my acc. checking,, for any amount, anytime, no notification ... .i had boa fraud dept. retrieve my funds so many times,,, on record. also i pay my morg. payment on time not a minute late or a dollar short ... ... .. they say i default on payments,, but checking services claim i did indeed make my morg. payments. morg dept. will no except conformation #. all was resoled XX/XX/2015 ... ... i thought? boa start it again with it all the same trouble,, also a great foreclosure notice,,, expires XX/XX/2015. they now deny it and i always pay have evidence to back all claims. please help everyone says boa is insane! XXXX, XXXX XXXX I DONT NO HOW TO ATTACHED DOCUMENTS,,,,, BUT I HAVE A XXXXLB BOX FULL OF BOA DOCUMENTS,,,,, EVIDENCE ... CAN B MAILED

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 2016-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I attended California School XXXX XXXX XXXX XXXX XXXX XXXX program from XX/XX/XXXX - XX/XX/XXXX. I believe in XX/XX/XXXX a lawsuit was placed against them for fraud and misrepresenting graduating income and job placement. I have not been a position to afford the payments and the amount that is owed. I have felt that the only way to try to overcome this is being placed on the income based repayment plan, but not all the loans can be placed on this program as I also have private loans with Navient as well. I am overwhelmed with debt and have a degree that will not ever make a large amount of money to repay the loan. I feel that I was pressured into signing up and also feel that the school lied to me about the amount of money I would make finishing the course and how easy it would be to repay my loans back. I also feel that they lied about their success in graduates. They have since closed their doors I believe in XX/XX/XXXX. I would like some assistance or guidance if there is anything I can do to better my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
In early XX/XX/XXXX I was contacted by a XXXX, a car salesmen, he explained he could get me approved for auto loan. I filled out the paperwork when it came to delivery of the vechicle he promised me a XX/XX/XXXX XXXX truck that was not able to run/start. Having felt like he was untrustworthy I declined to do any further business I left his Lot without the car. A month later i get a statement invoice from West lake financial Service. I contacted Westlake Financial directly on a number of occasions via, phone and mail. I have explained that i never finanlized the deal with XXXX I never signed off on any paperwork other than loan application and i never took owership or registered any vechicle from XXXX. Months later I find that the issue had not been resolved and they CHARGE OFF the loan in my name. I have done everything in my power to get this matter resolved. XXXX has done this to multiple people from what I have learned he works out of and for multiple dealerships and is a straight con man Westlake financial Service XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has deleted my mortgage credit line from my credit report. On Janaury XXXX, 2001, I executed a mortgage loan with XXXX Mortgage and Countrywide Home Loan was the servicer starting XXXX 2001. Bank of America needs to include my loan credit history on my report. My credit report shows no loan by Countrywide 's successor.

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 2015-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Checking account was charged XXXX Overdraft fees, I believe only one should be charged due to an oversight on my end. I called Bank of America and explained that when the ACH ( Transaction 1 ) posted the statement balance was {$2.00}, however they stated that due to pending XXXX transactions the available balance was - {$7.00} and that is why the fee was charged. Problems with this ... 1 ) they blatantly admitted they do not have a de minimis for overdraft charges and that even if an account was overdrawn XXXX cents, they would charge a fee. 2 ) the POS transactions had not actually posted and may never post due to other circumstances, however they are basing fees on these dollar amounts. 3 ) They wanted to charge the XXXX ACH transactions an overdraft fee because we do not " opt in '' to Regulation E Overdraft charges, they would have been unable to charge on the pending POS charges. 
Bank of America banks XXXX customers nationwide and use these practices daily across the board. These unfair and deceptive practices must cease before they continue to harm innocent consumers. 
Each time a phone representative explained their overdraft process to me, I asked to speak to a manager. The final manager would not even get on the phone with me. I had to explain the situation to her subordinate as her subordinate typed the information to her. I persevered and finally had the erroneous {$35.00} OD fee refunded but the phone representative made it very clear that the overdraft was my fault and they stand by their process of paying and charging overdrafts.

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