vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Last year, on my way to the airport to catch an international flight, I stopped at a Wells Fargo branch to pick up XXXX which I had ordered in advance for my business trip. Once I checked in with the Wells Fargo teller, she reviewed my account and immediately told me there were additional account opportunities that would benefit me ( as Wells Fargo tellers almost always do on branch visits ). I informed her I was in a rush to get to the airport for my flight and not interested in any additional services, only in picking up my advance order of XXXX. She told me that I would not be able to receive my XXXX until I opened the new checking account she was offering, suggesting that my existing checking account would soon expire and needed to be replaced, especially prior to international travel. Worried about being denied the XXXX I needed for my business travel and the possibility of my current debit card being declined abroad, I agreed to open the new account she was suggesting but only if it would take 5 minutes or less to set up. 40 minutes later, I was still sitting with a personal banker, finishing registration for a checking account that I was pressured into opening and did not need. I voiced my frustration with the Wells Fargo 's employees ' disregard for my urgency, was eventually given the XXXX I needed ( along with a hefty folder filled with information about my brand new checking account ), and was finally free to continue on to the airport for my flight, 45 minutes later than planned. 

A few days later, I was still feeling uneasy about the experience I had at Wells Fargo, so I explained the situation to my father, a former Wells Fargo District President, who quickly told me that they had no business forcing me to open a checking account I neither wanted nor needed. He urged me to call Wells Fargo to have it closed immediately, which I did. My father had significant firsthand experience having worked within the company and knew what they had forced me to do was not right. ( In fact, his opposition to Wells Fargo 's suspicious operations led him to pursue a career in state Banking regulation. ) I have remained a customer of Wells Fargo purely for convenience reasons, though I am now hyper-aware of their slimy tactics to push unnecessary services on their customers. I can only hope that this experience did not negatively impact my credit score and that Wells Fargo never takes advantage of their other loyal customers in the same way.

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 2015-06-22 00:00:00
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I paid off a Navy Federal Loan on XXXX/XXXX/2014 in full, yet Navy Federal is reporting the current loan status past due XXXX days. I am requesting Navy Federal send an corrected update to the XXXX Credit Reporting agencies ( XXXX, XXXX, XXXX ) to reflect the correct status as " Paid and Closed ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When checking my personal checking statement online i noticed a charge for over {$17000.00} and the explanation was " Business Offset '' I went into Wells Fargo local branch, and found out that it was taken as payment of a credit line for XXXX that I personally guaranteed over 10 years ago. The business is no longer mine. 
I am XXXX, have been for more the 5 years, the money was my social security, and tax refund, and my mandatory withdrawal from my XXXX fund. 
My account is frozen, and I have no access to any statements or documents.

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
Consumer complaint received 2016-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I graduated in 2013, am unemployed and not able to pay the {$800.00} per month pay back on my loan. I am looking for employment and, the monthly payment is too large for me to be able to pay while covering my living expenses. 

I have repeadetly contacted Wells Fargo for assistance in lowering my monthly payment. I do not qualify for consolidation because of my credit score which was marred by Wells Fargo. In addition, even if they DO offer a consolidation loan, the interest rates are very high and it would not lower the monthly payments. 

It is impossible for me to pay {$800.00} and I am hoping for assistance in renegotiating the loan with a reasonable monthly payment.

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 2016-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was contacted by my credit union and told a check that was paid to me had been written on a closed account. The agent worked in collections for Navy Federal Credit Union. The agent advised me that I would need to repay this check. I informed her that I also had lost out on this project and if it would be okay to make payments to reduce my balance. She said that this was okay so I paid XXXX on XXXX/XXXX/2016. This was the same day she called. I informed her that I would make another payment around the first that I had to try to secure payment through my child support payments. My balance was XXXX We both agreed that we would tough base around XX/XX/XXXX to make arrangements for another payment. On XX/XX/XXXX I missed a call from the agent because I was at work and could not answer the phone. Once I arrived home I went to do my monthly budget to try and make some sort of payment when I noticed that XXXX was missing from my account. I immediately called customer service were I was told the agent had submitted notes on XX/XX/XXXX that I had agreed to her taking XXXX from my account. This of course was not true and the last I knew my balance was only XXXX. I asked for funds to be reversed because this was part of my rent payment that comes out of my account on the XXXX of every month. I was informed that their hands were tied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services
State: TX

Complaint narrative:
My son went to school in XXXX university XX/XX/2005, I have a student loan for {$40000.00} still paying for 10 years. I called several time to the company that Have my loan ACS to try to lower my payments and they keep telling me That they need my husband information to applied for the loan to lower the Interest rate, my husband is not the father I been married with him for 8 years. 
Last week I decided to call an attorney and they asked me if I have the note From the lender, I do n't have any note I called XXXX school and they do n't have any Record of my loan, I called ACS and they told me that they have the note and Request a copy I was supposed get it in the mail in 2 days i never got anything. 
I really need some advise with this I 'm XXXX years old and still owe {$40000.00} in student Loan. I will appreciate if I can get some help Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
XXXX XXXX called several relatives and friends about a payday loan from 2009 and stated to them and to me that charges of profit by deceit through a financial institution is filed and felony of the third degree warrants are out for me now and to stop the process i need to pay today. i asked for verification of the debt she would not provide it. i said i need to record this conversation and she hung up. 
i called her back and left message that i have the money to pay to call me back. when she called back i informed her i was recording ( which i was n't ) she stated that she ca n't be under recording and hung up. the number i called is XXXX

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 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo ( Platinum Visa ) has recently instituted fees for connected to accounts with XXXX, and I presume other financial management tools. This is the first time I have seen this, and I believe that this is an intentional barrier to customers ' ability to access their own financial data in a relevant way for effective management of their finances. I believe that this is done in hopes that it will lead to errors on the customers ' side so that Wells Fargo can rack up higher interest rates and over limit fees.

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

Complaint narrative:
At some point towards XX/XX/2016, Bank of America claims to have sent me a letter requesting additional account information. This letter was sent without any proof of having been sent or received. Upon " not hearing from me '', they closed my credit card account, and took my XXXX rewards points ( worth roughly {$250.00} ) Although this bank has my email address, phone number, and an alerts section on their website, they used none of these methods to contact me. My statements also have no mention of this letter, or afterwards, the account having been closed. Note that I was a cardholder for 12 years, with an excellent credit rating, and an account in good standing. 
This has the potential to affect my credit rating as it reduces my available credit, closes a line of credit, and I 'll need to open a new credit card account as well. I tried calling to resolve the issue but they would let me neither reopen the account nor reinstate my reward points.

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 2016-09-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has intentionally and repeatedly misrepresented to me that the XXXX XXXX, 2013 SPOC, XXXX XXXX, issued denial letter was a MHA HAMP ineligibility denial based on an appeal review completed by the Bank of America Appeals Department. It is not. However, there are two Bank of America Appeals Department determination letters of XXXX XXXX, 2013 related to an unspecified proprietary home loan mortgage account mmodification issued by XXXX XXXX. 
Bank of America continues to engage in behavior indicative of a breach of the covenant of good faith and fair dealing related to a home loan mortgage account and a borrower pending in the loss mitigation processes.

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 2017-03-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted Mortgage Loan Application to Chase Bank Mortgage Banker ( XXXX XXXX XXXX XXXX ). I spoken with the subject on the phone few days after the application as submitted and she requested I provided with her some of my personal financial information thus she can better assist me with the loan application. On XX/XX/XXXX at XXXX I received an e-mail from XXXX XXXX stating she was unable to run the pre-qualification in her system due to computer issue, however she was able to get my credit report and did found an item on my credit report and advise I call her because it is relatively easy to fix. On the same day approximately XXXX I called XXXX XXXX and she told me she is on the phone with credit report agency and she will get back to me. 

Since then I never heard back from XXXX XXXX and on XX/XX/XXXX at XXXX I e-mailed her about the status and I received no reply. Thus, I 'm respectfully requesting XXXX XXXX to remove to remove credit inquiry she have made on this application, thus I can contact someone difference. XXXX XXXX communications skills needs work and she should not request consumer credit report and or financial information if she is going to disappear with out any notice. 

I feel my credit report was neglected by her and it needs to be removed by her bank ASAP. I 'm currently in process of buying home and last thing I want is have chase run my report again because of her lack on confidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have power of attorney on my mother 's charge card, # XXXX, and am on my mother 's checking and savings accounts. The branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, Bank of America adamantly refused many times to let me be added on my mother 's accounts. 
In XXXX I went in again and asked XXXX XXXX, personal banker and XXXX XXXX, Asst Mgr to let me move the points over from my mother 's charge card ( approx. XXXX ), worth about $ XXXX to my mother 's checking account and they adamantly refused. In fact, the Asst Mgr said I should have my sister just do it as she is a joint on the charge card but she does not have access to the checking account. My mother lives in an XXXX and has XXXX issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
I recently checked my credit scores on XXXX XXXX. And I see there are collections from 2009. Syndicated Office systems, and central Financial Control. I have never seen a bill from them. They never even tried to contact me. I also don '' t remember even seeing a doctor that year.

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 2015-08-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to short sale my home XX/XX/XXXX due to financial hardship. BofA agreed to the short sale but there was a purchase money XXXX mortgage ( also with Bank of America ) and they refused. The home went to foreclosure XX/XX/XXXX and sold back to original investor XX/XX/XXXX. BofA keeps reporting a balance due on my credit report which is harming my credit score and Inaccurate. In California Purchase money XXXX mortgages are supposed to be charged off when the property is liquidated. There is no recourse in this state. They are reporting a charge off but with a Balance. They keep changing what there reporting on my credit also. I have XXXX credit reports with them reporting different things on each one. I feel like there purposely trying to damage my credit by repeatedly reporting wrong dates and balances. I 'm sick of dealing with BofA, they are crooks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
When I began repaying my loan back before Navient took over and the company was still XXXX, I owed a little over 14,000. 5 years of repaying my loan and my balance is still the same if not higher. I called Navient to find out why this was and received nothing but double talk and unanswered questions. At one point I was paying MORE than the minimum, so the interest talk I was not trying to hear. They are not applying funds to my principal and I want an updatedblance with a true amount I should owe. Never borrow from these scam artists ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I am a co signer on XXXX private loans that was originally with XXXX but of course is now Navient. We are having all the problems you have descripted in this lawsuit. No way out and they have screwed us all and want answers Now

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
This debt is a result of me co-signing a student loan. They call allday long. If you do answer they demand personal information ( last XXXX of ss # plus date of birth ) before they tell reason for call, When I refuse to provide info over phone they hang up and call back within a hour. I have repeatedly ask them to stop calling. I 'm not avoiding the debt, they always get paid. I just do n't want to be harassed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Dear XXXX Relations : The reason for me filing this complaint is due to Bank of America trying to foreclosure on my property after sending me a letter my loan is paid in full. Furthermore, the court filing is filed under Bank of America ; and not XXXX Mortgage. I am requesting your assistance in doing an investigation into this matter. 

Respectfully, 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 2017-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
The student loan company refused to allow income based repayments while in school. Furthermore they failed to adhere to proper income based repayment structuring. The company continually improperly advised the student such that they would collect the maximum interest thereby making it impossible to payoff. Finally they have reported the loans in delinquent status while on automatic payments are being bade and are in full compliance. With approximately 7 % interest on the loans the interest alone is {$25000.00} a year which is compounding into the principle is increasing yearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I obtained my home loan through BoA ( of course they only administer it now, as it was bundled and sold to XXXX XXXX ). Over the last 3 years I have sent an additional payment to be applied against the principal of my home loan four different times, and each time the funds have been credited as future monthly payments rather than towards the paying down of the principal. Each time I must call customer service, wait on hold for 35 min. and then spend another 10 min. getting it sorted out. Each time I have been told that I have done everything correctly in the way the payment was clearly marked " Principal Only '', and that they do n't know why the " mistake '' was made in how the funds were applied. Four out of four times is not a mistake, it is a clear pattern. It appears that Bank of America wants to make it difficult for the millions of customers, whose loans they administer, to pay off their home loans early. It must not be in their financial interest to have us do so, but it is our legal right. I have already filed complaints through official BoA channels and sent letters to executives of associated departments. No improvements in 3 years. If they wanted to provide the service they claim to provide, they could easily put the right systems in place. We bailed these greedy cheating folks out in a big way, it is time they were held accountable, time for them to perform as advertised.

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 2015-09-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK OF AMERICA REFUSES TO ANSWER MY QUESTION CAN I GET BOA TO LEND ME {$30000.00}. FOR PRIVATE LAW SCHOOL TUITION? LAW SCHOOL IS {$50000.00} BUT US GOVT ONLY LENDS {$20000.00}. CAN BOA LEND ME {$30000.00} FOR XXXX SCHOOL?

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