vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a home equity line of credit from  Bank of America. It was a ten year pla n and then you had to pay it off. When it matured in  XXXX  of   XXXX   I was in the process of getting a new line of credit and they charg ed me 5 percent l ate fee on the balloon balance. This charge was about {$7400.00}. I told them I was in the process of getting a new line and they said they would remove the fee when the account was paid in full. I said I needed to have it removed so I could determine the correct pay off amount. They would n't budge, I did n't trust the company to remove it at loan closing time. The contract says nothing about charging a late fee for the balloon balance. It says a late fee will be charged for any monthly payment received late, but nothing for the balloon balance. 27 months went by and I faithfully sent my payment of the interest charge and some of the principal. In 13 years I had never missed a payment or had a payment received  late. My credit score  was excellent. Even though I paid the interest each month from the monthly statements I received from BOA, they still reported my account as delinquent because the line of credit had matured. I had written several letters asking for the amounts to be removed and got no response. The first week in  XXXX  of this year a Foreclosure Notice was duct taped to my front door. I was shocked, disgusted, and embarrassed. I have always paid my bills or gone without and now my house was going to be sold at auction on  XXXX   XXXX . I now have a weakened credit record and I am trying to get a new line and I am still unable to get BOA to remove the charges.

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 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have just filed and had accepted my complaint with the DONOTCALL.GOV website. I will summarize this information for you here as I wish to also file a complaint with you for the actions taken by  PNC BANK  and its representatives.   Just as a point of information, I have NEVER EVER in my entire life done any business whatsoever under any name whatsoever with  PNC BANK  or its affiliates.   My phone number is   XXXX   XXXX   XXXX   XXXX  . I was given this phone number sometime around    XXXX   XXXX      when I moved to  XXXX , PA.   Shortly after I got this phone number, I began to get harassing phone calls from  PNC BANK  and  PNC BANK FINANC identifie d by a "  XXXX  '' area code. The caller is always looking for   XXXX   XXXX  .   I have repeatedly advised  PNC that I am not and never have be en  XXXX   XXXX . In my entire life I have never ever heard of  XXXX   XXXX .   I have also repeatedly aske d PNC to s top calling me looking for  XXXX   XXXX .   Despite all of my numerous effort s, PNC absolutely refuses to stop  calling me day after day after day, hour after hour after hour demanding to speak to  XXXX   XXXX . And they likewise refuse to accept that I am not and never ever have been  XXXX   XXXX . And  PNC adam antly refuses to accept that they are calling the wrong phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: WA

Complaint narrative:
XXXX   XXXX  has been working with  XXXX   XXXX  since  XXXX / XXXX /  XXXX  . It appeared that Key Bank applied payments to the first mortgage in error.  XXXX  sent a letter on  XXXX / XXXX /  XXXX   which is attached requesting information on the account to try and resolve the delinquency.  XXXX   XXXX  has the income to make a mortgage payment. It appears that Key Bank called the full amount due on his mortgage of appx  XXXX .    XXXX  sent a complete Modification request and all documents on  XXXX ,  XXXX  and follow up documents requested on  XXXX .   Since that time frame  XXXX  has heard nothing. Attempts at communication have not been responded to by Key Bank. On  XXXX   XXXX   XXXX  called me during a very disturbing phone call from  XXXX   XXXX  from Key Bank. I personally heard him berate  XXXX   XXXX  and call her uncooperative, unconcerned and " she must not really care about keeping her house ''.   I was very disturbed by  XXXX   XXXX   XXXX   XXXX  's treatment of Key Bank so I asked them to come into the office so we could call  Key  Bank together. I spoke with  XXXX  #  XXXX  and she stated she could not provide me any information because it had been referred to foreclosure and only  XXXX  could talk to me. I then called  XXXX  at  XXXX  and spoke with  XXXX   XXXX  who was very helpful. I let her know about my disturbing phone call and that I had sent multiple packages to Key Bank and let her know that I had never received a phone call from Key Bank or a denial.  XXXX  told me that Key Bank is pursuing a judicial foreclosure which I was shocked about because Key Bank has NEVER tried to help the  XXXX  with a modification.  XXXX  requested that I send her the documents that I had previously sent and she would look into it.   I then called Key Bank at  XXXX  and spoke with  XXXX   XXXX   XXXX  and he let me know that Key Bank had NEVER reviewed  XXXX   XXXX  and that the  XXXX  's had NEVER been denied. He stated on  XXXX  Key Bank had requested additional documents  ( which we provided ) but then Key  Bank closed out the file with no further communication and no denial. I let  XXXX  know that under CFPB that you must deny someone and allow them an appeal process.    Key  Bank is going through a foreclosure process and yet I have documentation that Key Bank has never reviewed  XXXX   XXXX , never denied  XXXX   XXXX , never contacted their housing counselor. Since the  XXXX  's were never denied a modification, they have had no way to appeal, or speak with Key Bank on how they can save their home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am trying to purchase a home in  XXXX   XXXX  California for a couple of months.   I have been working wi th Wells Fargo as  a lender at the direction of my real estate agent.   I sig  ned an agreement with good terms and a rate lock.
90 hour  s before close  XXXX   XXXX  a t Wells Fargo told  me the underwriters did not approve.   I would have to borrow twice the money I wanted to borrow at a higher rate.     I am about to lose the house I planned on buying rather than pay thousands in interests and fees I should n't be paying This seems like fraud to 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 2017-04-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has reported multiple inaccuracies on my credit report with out a proper method of investigation that is enforced FCRA laws which state that they have t o show me " Physical, '' proof of how they were to able to verify these inaccurate accounts. They must show proof of who they spoke with, when they spoke to said person and a contact number for said person. Stating the company name is not verification. They have not provided me with any physical proof just a speculat ion stating an item was " verified '' or " remains '' which is not a verification. They are not following the law and has show a total disregard of following the law. I have attached a letter which describes all the inaccuracies and and my identification to prove my identity.

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 2017-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Contacted National Credit Adjusters , LLC  XXXX / XXXX / 17  in response to a message they left with my mother  XXXX / XXXX / 17 . I called  XXXX  I spoke with  XXXX , She would not tell me about the debt that I owed. I asked the name of the company they were hired by, how much  I owed. She would not tell me anything and demanded that I verify who I am by giving the following : last four of my social security number, birth date, and address. I told her my full name again, and that without her telling me who she was hired by to collect the debt I did not feel comfortable giving her that information. I then asked if she would no longer contact me via phone and only contact me via mail. She explained th at without me verifying that information she could not honor my request for mail correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I filed bankruptcy in  XXXX   XXXX . I paid off all the debt the bankruptcy said i owed in  XXXX   XXXX .   I recently applied to rent a house and the property management company said there was a debt with   XXXX   insurance for {$110.00} from  XXXX . I contracted  XXXX  and they gave me the number of the collection agency that it had been turned over to. I called them and explained that I had filed for bankruptcy in  XXXX  and the   XXXX   debt was never mentioned and that I was n't responsible for it. They just kept asking me how I was going to pay for it and offering lower amounts if I paid over the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
In  XXXX  M  & T Bank sent a letter claiming that the information in my file was out of date. How do they know it 's out of date? They required me to place a phone call to update my data ( which may not actually be out of date ). I find it inconvenient to contact call centers, so I took no action. How does M & T even know I have a phone that can place outbound calls? M & T did not state what information they believed was out of date, and did not give a convenient mechanism for me to verify the information. It 's unreasonable for M & T to spontaneously force customers to jump through inconvenient hoops in such an unsolicited manner. VOIP services charge a measured rate, even when dialing toll-free numbers. M & T m ade an unreasonable assumption that I had a phone that could make outbound calls, and also that the phone service would not cost me anything to place the cal l. M & T c losed my account in  XXXX  apparently for opting not to deal with their call center. They should have mailed me the information they suspec t may be out of date, and provided a prepaid envelope for which to reply.

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 2017-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Debt Management Partners LLC
State: CO

Complaint narrative:
on  XXXX / XXXX / 2017  I received a message saying that i was to be served and that the company had made multiple attempts to server me and this was my last opportunity and that if I were not home it would be viewed as refusal to accept.I have never been notified of this debt b eing turned over to collections before. I Was home all day the next day and no one showed up. Called my county c lerk and no case was found using the case number the company had provided. Within this first message was a phone number to call if I wanted to settle out of court. On  XXXX / XXXX / 2017  I called number that was in message and spoke with an  XXXX   XXXX .  XXXX   XXXX  explained that the debt was from a previous payday loan I had taken out. He then further went on to ask if i wanted to settle this now before it became a public matter. I told  XXXX   XXXX  I would call him back on  XXXX / XXXX /   2017  if I were able to make funds available.  XXXX   XXXX  called me on  XXXX / XXXX / 2017  at  XXXX   XXXX ,  XXXX / XXXX / 2017   XXXX   XXXX ,  XXXX / XXXX /   2017  at  XXXX   XXXX ,  XXXX / XXXX / 2017  at  XXXX   XXXX . I then called  XXXX   XXXX  back and told him that I did not have the funds together now. I also asked him for information regarding his company and he said he would be able to give me all that after we had made arrangements. So even as of now I do not know what company he is with only that his number is  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I settled out an account w ith Midland and now they are reporting data to  XXXX  stating I owe the difference which is false. I have disputed several times and  XXXX  state Midland verified. This  is not right I am requesting removal ASAP of this false item I do n't know what else to do.      XXXX  has listed Midland Funding LLC  XXXX  {$290.00} owed which is FALSE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am sending ANOTHER complaint. This is in response to complaint number  XXXX  that was closed. They have again called me at the main number at my work.  XXXX  from  American Express is the representatives name. They said they had tried to contact me on my mobile  but they had only called me at  XXXX   XXXX  today. ... .And then they immediately called me at work right after that. In the complaint from a month ago, they said they would not contact me at work and considered the matter closed. I am paying them  XXXX /month. When are they going to actually be held to the standards of the law?! He acted like once again he did n't know about not calling at work but when I mentioned the complain he was suddenly very accommodating. This is my THIRD request to them to remove my work number! I never even authorized my work number to be called t begin with. Both of my parents died and I am trying to manage a lot of bills right now while politely working and paying all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient se nds me emails claiming they want to lower my interest rate and help me and every time I call to get relief they tell me " oh your loan is private, it does n't apply to you ''. Oh it does n't apply to me but you still send me the email, get my hopes up and revoke it. They wo n't let me refinance. They wo n't let me have my loan in my my name, they wo n't drop my cosigner off, my cosigner is my grandmother. She did her part, I got the loan. Years ago. She 's ready to be done with it. She 's called, I 've called. I make my payments on time. I do n't miss. So why ca n't I have my loan in my name now. This company 's customer Service is the worst. Worst. Caused me so much mental agony. When I was   XXXX  I did  n't realize what I was getting myself into, but after years of suffering with this company. I now know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
To whom  it may con cern : I,  XXXX   XXXX , am filing a complaint aga inst Navient. Navient sent me to collections regarding my student loans without any written communication that I had any outstanding loans from them. I received one phone call at which time I provided my correct mailing address so that I could receive proper documentation regarding any payment plans for my loans. Shortly after the phone call, my credit score droppe d over  XXXX  points bringing me from  Excellent to a Poor Score.      I have been faithfully paying my loans to other service providers such as  XXXX   XXXX  who have been in consistent communication with me both verbal and written. They have provided me with documentation and options available for payment. I am very concerned that another service loan provider would not provide the same fair and appropriate contact.     As a re  sult, Navient has crippled my ability to apply for any rental properties and also the impending exciting opportunity of owning a home.
I am happy to set up a payment plan thought I feel I have been improperly treated by Navient and would like them to reach out to these credit agencies and reverse these outstanding charges.
I took out loans for both my   XXXX   and  XXXX  degrees and am grateful that I had the opportunity to borrow funding while I obtained my higher education. Navient however with their negligible communication is jeopardizing the future I 've worked very hard to set for myself and my family.
Any help you could provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened  a HSBC  checking account with promotion {$350.00} opening bonus after complete following task, " Received at l east one qualifying direct deposit per month into your HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' ( Exact copy from terms  ) In fact, I completed required direct deposit activities, but do NOT get my {$350.00} opening bonus, even after talk with banker as they still insist I do n't completed required activities.      Timeline  :  XXXX / XXXX / XXXX  Opening account  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit  XXXX / XXXX / XXXX  {$500.00} Direct Deposit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
To Whom I t May Con cern, I am writing to this office becaus e two years ago I discovered that my mother had taken out a private student loan in my name   through   XXXX   XXXX   more than 10 years ago. It was a {$5000.00} loan that has ballooned to almost {$20000.00} now. This is the ONLY private loan on my record because I was always diligent to never take out a private loan because of their high interest rates.     My loan has been repeatedly sold to different collection agencies and I constantly explain to them over and over what happened. Each agent would advise me to get a police record but I did not want to do that for several reasons :  1. The statue of limitations 2. It 's my mother 3. My  mother was diagnosed with  XXXX   XXXX  in  XXXX  and can not be held liable for anything. Unfortunately to make it even worse she just passed away in   XXXX   XXXX  .     I want to get this off of my record and I want these  collectors to  stop calling me but I do n't know what to do.I filed a Chapter  XXXX  bankruptcy in   XXXX  . I think Navient now holds this loan. I would employ a lawyer but I ca n't affor d one. Can  someone from this office help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FORD MOTOR CREDIT CO.
State: DE

Complaint narrative:
We had purchased a vehicle with financing through  Ford Motor Credit  for our son in   XXXX  . Since then, our son turned  XXXX  and enlisted with the  XXXX   XXXX , and was stationed in  XXXX . In order for him to get his car shipped to  XXXX  we had to apply for a transfer of equity in order to remove my husband from the loan and add my son so that he would be on the title and registration. That process, though cumbersome, worked. We were told that once the transfer was complete, we just needed to get a letter to permit shipping the vehicle outside of the continental United States. After talking to several representatives at  Ford Motor Credit  we were given conflicting information about the requirements for this permission letter. Initially, they said we would just have to ask for it once the title was transferred. Then we were told we had to obtain special "  XXXX  '' insurance ( which our insurance company,  XXXX , had never heard of ) and provide proof of this insurance, and that we needed to have the specific dates for the car leaving the  US  and an arrival date, which the logistics company was only able to estimate. During our next attempt of getting this permissions letter from  Ford Motor  credit, we were suddenly told that we have to also provide a copy of my son 's military orders. It feels like we are running in circles, chasing your own tail, in order to help our son who is serving this country.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I had a  XXXX   XXXX   XXXX  account that I have paid in full. For whatever reaso n, Southwest Credit Systems will not update the account as paid in full with all three credit bureaus (   XXXX   XXXX   XXXX   XXXX   ). I keep disputing the debt, but they keep saying that I owe it. I even have receipts to show that the account has been paid in full.

Company response to consumer: Closed with explanation