vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, I 'm a XXXX Veteran. Jefferson Capital is in clear violation of the FCRA/FDCPA by reinserting an already reported debt, also a debt that is already involved in litigation, which I am sure they do not wish to be a part of. 

Please see the attached letter. No validation has been received. Furthermore, I do believe I am judgment proof as my status above would indicate. I am XXXX and unemployable for life. 

I have been advised by my attorney who I 've cc 'd on this complaint that I am entitled to {$1000.00} per violation under FDCPA/FCRA plus attorney fees. I do not wish to litigate, but if I have to I will. 

cc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA 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 2016-03-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
central financial put a blemish on my credit report and it is affecting my credit score. The medical bill was paid in full and they are saying it was paid for a lessor amount when it was n't

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 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My card was stolen in XXXX. I called Bank of America. I was promised a refund for funds taken out of my account fraudulently without my consent. My account is now overdrawn {$330.00} for charges that I never made and never consented to. I demand for Bank of America to do as they promised and refund the money and credit my account.

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 2016-06-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX/XXXX/16 I purchased a car from XXXX. It was a cash deal. With a purchase price of {$40000.00}, I gave them {$21000.00} in cash and wrote a check for {$19000.00} to complete the transaction. They ran my credit and had me fill out a credit application but stated it would not be processed unless for some reason my account had insufficient funds and the check did not clear. On that date I had over {$130000.00} in Bank of America. I drove the vehicle home. XXXX XXXX I got a letter from Bank of America stating that they had received a loan request through XXXX and that my loan had been disapproved due to information from XXXX even though my credit score was XXXX. I called the banks XXXX number and asked them how I could be turned down for a loan I had not asked for in the first place. They said XXXX submitted the loan application. So, I asked them even if XXXX submitted it, I had over {$130000.00} in Bank of America and they cashed my check. So, XXXX I did not need a loan and secondly if I had requested one - how could they deny me a loan of {$20000.00}. The person on the phone just gave me a generic answer stating that is the way they do things. I called XXXX again and after a few days the finance manager and I made contact. She stated that they did not submit the paperwork for processing, but only submitted it as back up in case my check did not clear ( which of course it did clear ) .I went into Bank of America in person and they could not help me. They said somebody would call me. About a week later I got a call from B of A in another State but when I returned the call they had closed at XXXX Central time. Just a few days ago I got another letter from Bank of America dated XXXX XXXX, 2016 again stating that my loan had been declined. Even as of today 's date, I still have over {$110000.00} in Bank of America. I happen to have almost double that amount in other banks and happen to own XXXX houses free and clear. I have XXXX loan on my existing house but I do not see how any of that is even relevant when I paid cash for the vehicle and of course had enough in Bank of America that given day to buy XXXX vehicles in cash. Both parties have denied any wrong doing in this but it is obvious that one if not two are clearly in the wrong here. My relationship with Bank of America after over 30 years has been damaged and I plan to withdraw my funds from that institution. I would like to ask for monetary damages and compensation for this quagmire. Bank of America claims that I am a preferred customer. I wonder how a non preferred customer is treated..Ironically, I have a {$20000.00} credit limit on my Bank of America credit card . That was the amount of the loan they turned me down for that I did not apply for ...

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 2016-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
We have a home equity line of credit of XXXX originally thru XXXX XXXX. which i have original paperwork. with XXXX only payments and a balloon payment at the end of term, which was XX/XX/XXXX originally date of loan XX/XX/XXXX. In XX/XX/XXXX we contacted BOA who now owns loan, for help with this, which we 've had numerous representatives or case managers. finally in XX/XX/XXXX of this year, XX/XX/XXXX we were granted a 40 year amortization loan. we sent back required forms thru XXXX, BOA never received it. I had to call XXXX to confirm delivery to BOA, which i did told BOA that our paperwork was delivered to them. XXXX weeks later they found the pkg, but by then it was too late and we had to start from scratch. Now we got notification that we were denied the loan modification, due to no interest only loan and no balloon payment. which like i stated i have the original paper work, for proof. They do not want to listen, do not agree, i offered to send copy of paperwork. I now have left message with last caseworkers XXXX, waiting on a call back. The case XXXX XXXX XXXX, XXXX of many we had, stated the decision is final and we can be put into foreclosure, even after attempts to change decision. this is when i asked to be put in touch with a higher up, his XXXX. I am now waiting for a call like i said. They are deceitful and unorganized, lose paper work also not having the correct paper work. I am doing everything i can to keep our home of 35 years.

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 2016-01-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I cancelled my Bank of America debit card to stop automatic debits on my account. The vendor in particular was XXXX. After a few months the debit reoccurred on my new card account without my permission. I did not authorize Bank of America to furnish this new account information to this company. I did not provide the information to the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2015 I called Bank of America to start the process of modifying my 2nd mortgage on my principal residence. By XX/XX/2015 we had reached an agreement on a modified loan and payment that worked for me. During this process I was told by my account rep. ( XXXX ) and another acct. rep ( who I did not get her name ) that because I did not payoff the loan amount of $ 500k which matured on XX/XX/2015, to keep making the interest only payments on time, but they would be counted as late payments since I did not payoff the loan in full. They also said that once we get this loan modified that Bank of America would go back and clear up and remove all of my " late '' payments. I trusted what they told me, but now that I have done what was asked of me ( to make the 3 trial payments ) they now are telling me that they do not do that. They will not remove the 39 late payments off of my credit report. I feel like I have been mislead and lied to by Bank of America. About 30 days after the loan was modified I called BofA and the rep at that time said to give it more time for them to do that, and now I am being told they just do n't do that.

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 2017-01-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been receiving numerous calls from a blocked number the past few days. This evening the number finally left me a message. The caller stated she was calling from Bank of America on an important servicing matter. Her name is XXXX XXXX. In her message she said she wanted to discuss options that may benefit me however my input is needed on this matter and to call her back to discuss the options. I figured this was regarding my Bank of America checking account so I called the number she left me back. I spoke to a different representative and they told me there were no options to discuss and that this was an attempt to collect a debt. Not once was it mentioned in the message that this was an attempt to collect a debt or that it was related to my credit card. It was misleading. I already have an agreement with Bank of Americas collections department and have been paying the agreed to amount for the past 5 months.

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 2016-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX and I have a mortgage with Bank of America. The Mortgage # is XXXX. My wife XXXX is also on the loan. I am a retiree from the Bank. 
I am XXXX and get paid on the XXXX Wednesday of each month. I have late charges that I have asked to be reversed due to the fact that the Bank says they cant change the due date. 
The late charges are now showing past due on our credit reports. 
Cab you assist?

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 2015-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We were going on two months behind on our mortgage with Bank of America. I had lost my job because of downsizing. I had taken out a student loan and gone to school to learn a new profession, but everyone wanted at least two years experience and I had about six months. It was difficult since I was older and the job market was flooded at that time for my profession with a lot of young girls who may be faster or have more experience. Everybody was getting modifications at that time, so we thought we should try for one. We always paid the late fee with our payment if we were past the due date, but Bank of America would return the late fee saying it was n't enough for the next payment. When we went for the modification we were told it would help us get it if we were three months behind. So we did as told and got a " modification '' that was more than {$200.00}. more than the payment we had!! We refused that and by then more behind, asked if we paid up to date if we could just go back to the original payment. They said yes, so my husband got a loan from his retirement fund, we paid that, and for about three months everything was okay. Then they started billing us for the modification amount saying they had to have an escrow account to pay for taxes and insurance, which we never had included before. We always made payments on our insurance and saved for taxes and did not have to worry about paying so much every month They did not tell us if we applied for a modification the escrow was a requirement. Then I had to have XXXX, and XXXX among other medical problems and payments were impossible for us. Bank of America would not take any money except all that was due. So we ended up more behind, then the mortgage went to XXXX and they could not give us a modification with the information they had and more charges were added until we ended up currently being foreclosed with a sale date before the end of this month, we have nowhere to go since we have quite a few pets. We rescued a few and took a couple from loved ones who passed on. I also was just diagnosed with XXXX XXXX and will be having XXXX in about ten days. I am stressed to the max and blame Bank of America for not being honest with their information in the first place, and of course the person we applied for the modification with, no longer works there. I have stacks of notes from calls I made trying to work things out and the person who was in charge of our account kept changing about every month. It has been a very bad situation from the beginning. Our credit has been ruined which also affects our getting someplace to live. I am on XXXX and my husband had to retire from his job because of his age.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: OH

Complaint narrative:
AFNI, INCXXXX .I have a a unverified account from AFNI , INC . I had previously disputed this account this account. I have never done business with AFNI , INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debtAFNI, INC purport I owe. I request that AFNI , INC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI , INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
They were unprofessional, I asked them to put me on do not call list, they said they do no have one informed I do not want calls at all. They refused instead saying are you this person and gave a social security number without verify who they are talking to. I asked for the manager and he did the same tatics was basically refusing to comply with my request not to call. Informed will report and ended call

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
AFTER I fully paid off the card they charged me XXXX dollars twice and then returned the money after delay. After I turned off the XXXX which was previously in place, they issued a check that was never cashed by me and apparently also issued credit? Then they charged interest and penalties on the 'so called debt. After the card was fully repaid they should have ceased taking automatic payments and they never advised me my account was past due based on a check I never even cashed. This business practice is a former of unethical stealing and threatened my otherwise stellar credit since they claimed they could not inform me via email since they did n't have permission to give it to me without some additional consent to let me know I was 'late '.

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 2016-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America has charged to my account an overdraft fee when there was no overdraft incident. Attached is my Bank of America Checking Account history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I contacted Holloway Credit Solutions to attempt to resolve any debt owed them for my daughter 's medical bills. I first spoke with the original creditor, XXXX When I contacted Holloway, I spoke with a lady that identified herself as XXXX XXXX. She continued to increase the amount of debt owed. We started at {$1100.00} and at the end of the conversation, she stated I owed over {$4500.00}. Her exact words were " you should take it out of your XXXX if you have XXXX '', in a very threatening manner. She also stated " we 'll keep reporting you to the credit agencies every week unless it 's paid in full ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Hunt & Henriques
State: CA

Complaint narrative:
The Hunt & Henriques Attorneys would begin calling my cell phone XXXX XXXX XXXX XXXX and Home XXXX XXXX XXXX XXXX since XXXX XXXX until XXXX XXXX. They would call several times between those hours. It got so bad that I had to end up changing my phone number, just to avoid being called all day. 
Al Then they began to stalk me in front of my home. They would park and watch me maybe about XXXX15 min. This would take place during the week. They kept on doing this until they saw my husband outside and ask for me and gave him the court order that they were suing me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
I received a phone call from an unknown number. The caller stated that I need to call back to the Florida Attorney Gereral office at XXXX XXXX XXXX - attorney general state of florida. They threatened me stating that if I do n't call back within XXXX minutes, I will be arrested and thrown in jail for 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.
State: MI

Complaint narrative:
Emails me multiple times a week about the {$670.00} I owe them. I understand that I owe them but sending me emails all the time does n't help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I paid off a car loan in full to Hyundai Motor Finance on XXXX XXXX 2015 & received a letter stating I had paid in full. In late XXXX 2015 when applying for a home loan, I learned from the lender that the debt was NEVER reported to fico as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Holloway Credit Solutions
State: GA

Complaint narrative:
was involved in a accident at work and employer agreed to pay all medical bills. This a bill from the accident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX/XXXX/15, I mailed my regular fixed rate mortgage payment of {$3100.00} to Rabobank NA at XXXX XXXX in XXXX XXXX, California XXXX via personal check number XXXX. Rabobank did not deposit the check until XXXX/XXXX/15. It appears that Rabobank recently changed its mailing address to XXXX XXXX XXXX in XXXX XXXX, California XXXX and the delay in depositing was likely due to that change. Rabobank charged me a late fee of {$150.00} because it says that I supposedly did not make the payment until after the payment was late. That is not true, though, because I made the payment on XXXX/XXXX/15 and the payment was due on XXXX/XXXX/15 and was late after XXXX/XXXX/15. When I call Rabobank 's customer service department, they tell me there is nobody who can discuss this matter with me because their policy is to NEVER waive late fees under any circumstance whatsoever. I do not understand how or why Rabobank can charge me a late fee merely because of their unilateral decision to delay depositing my check. I am further frustrated by the fact nobody has authority to waive the late fee that they wrongly charged under these circumstances.

Company response to consumer: Closed with monetary relief