vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My ex-husband ( XXXX ) and I took out a mortgage on our home in 1989 with XXXX. The mortgage still remains on the property. I have been trying to track down who the mortgagee is now. I have been unable to locate it. The Registry of Deeds still lists The XXXX as the mortgagee and there are no subsequent assignments. However, XXXX is no longer in existence. It is my understanding that XXXX was succeeded by the XXXX XXXX XXXX then XXXX XXXX and eventually Bank of America. I have reached out to Bank of America and they claim to have no record of the mortgagee. I would like to find the current holder of this mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Talbot, Adams, & Moore, Inc.
State: TX

Complaint narrative:
I believe that the account being re-reported to my credit report had fallen off or paid for by me. I am certain that I paid another debt collection or this same collection agency Talbott Adams and Moore spears the amount of {$260.00}. I called the credit collection agency and they asked for a receipt number which i obviously do n't have becuase it has been XXXX years since i paid for it and it was removed from my credit report. I want challenge the accuracy of the information and verification of this debt from 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 2015-04-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America cancelled my credit card and issued me a new XXXX because they had detected fraudulent activity despite the fact that I verified all the charges as not-fraudulent. I made XXXX returns for purchases purchased on the old card, which were returned to the old card and the credits never appeared on my account which was now linked to the new card but carried the existing balance from the old card. It took over a month of me calling and chatting with Bank of America representatives almost daily to get one of them to even recognize that there were $ 300+ of credits sitting in the old account that needed to be transferred over. After that nightmare, some of the credits, though they are listed as credits, added charges to my balance instead of crediting my balance. I have spent countless hours trying to get a representative to hear my problem. Instead of listening to what I say, they repeat my balance over and over and tell me when my last payment was made. There is still no resolution. It is XXXX XXXX, 2015, and my first contact was made for this issue on XXXX XXXX, 2015. I have contacted more than XXXX times since XXXX XXXX, still with no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
My student loan company, Navient, has been recently increasing my interest rates significantly, consequently preventing me to pay off my loans. I have asked them multiple times over the years to help me with consolidation or to stop increasing interest rates considering I make timely monthly payments every time, and time after time I am being declined their support. With my 9 % interest rate I will never be able to pay off my loans and I will be stuck in this terrible debt forever. The more I pay the more interest rates go up and I am not asking for loan forgiveness I 'm just asking to make my interest rates more humaine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a XXXX American Express credit card. I have not used it since XX/XX/XXXX, and due to a return credit, have, or had, a credit balance of {$18.00}. 
I looked at my account online XX/XX/XXXX to research a prior purchase to discover XXXX fraudulent charges, XXXX XXXX XXXX/XXXX/15 for {$870.00} to a liquor store in XXXX, XXXX, XXXX to a fast food place for {$3.00} in XXXX and {$25.00} Service. 
I live in Massachusetts and have been with family in XXXX, XXXX from XX/XX/XXXX. I have not been to Michigan and the charges are not mine, clearly an error or fraudulent. 
I called the credit card number and was speaking with XXXX XXXX - - - - questions are concerning and most annoying - - - like how long at my address, how many bedrooms in my house, my driver 's license number, my social security number, what days will I be driving back to Massachusetts - - - - I finally became concerned and suspicious about the nature of quantity of questions, and she said she would not do anything about it. Compounding, I did not have total privacy in answering questions and I was on a cell phone. 
A statement was issued the following day requesting me to make payment of {$860.00} after losing my credit balance of {$18.00}. 
XXXX XXXX at American Express was obnoxiously uncooperative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: NY

Complaint narrative:
The amount of money they wanted for a monthly payment was way too high for me to achieve. They made the process of lowering the payments almost impossible and took several months, every time I spoke to a person they had different answers and explanations. I was told the payments got lowered to XXXX dollars a month but when I received my first bill it was for XXXX+. Now I can not reach anyone at the company or get any answers. This is just an example of the headaches this company has given me. I am trying my hardest to stay above the waters and do what 's right with paying back my loans and the company is making it impossible for this to be smooth.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was approved for a loan modification in XX/XX/XXXX in which an error was made on XXXX of the notary pages. Bank of America did not notify me of this error as they mistakingly sent correspondence intended for me ( who is located in New Jersey ) to another customer located in Florida. This correspondence was to inform me of this notary error so that I could fix the mistake and complete my modification. The representative handling my modification assured me via telephone numerous times that modification was indeed approved, as well as over XXXX different BOA representatives during the five months following the signing of these documents. I continued to make all of my mortgage payments every month, never missing any, and in XX/XX/XXXX, I was served with a foreclosure complaint stating that I never had a loan modification and I had defaulted as of XX/XX/XXXX ( since I had only paid the modified amount ). I have previously contacted the XXXX and CFPB regarding this, who have directed me to BOA and their only solution is that since I have entered into another modification, that this should be sufficient. It is not, since there is still a foreclosure action on my credit report that should have never been filed since my mortgage should have had been in a modification and had BOA not erroneously sent my documents to the wrong address, my modification would have been intact and the payments were made. I want the foreclosure removed from my credit report and I want a Notice of Recission from Bank of America that I can give to my creditors. All of my credit card companies have lowered my credit limits, and I needed a co-signer to obtain a new vehicle when my previous lease ended. My FICO score has dropped nearly XXXX points and I have no other negative items on my report other than this. Even before this foreclosure action, and with the modification, I only missed XXXX mortgage payment since the loan 's origination so my credit was not adversely affected prior to this foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: AL

Complaint narrative:
Navient has over charged me on my student loans. I have been paying them and instead of my loans total decreasing they have increased. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I took out a small loan to subsidize my XXXX education. The loan was serviced by XXXX. Considering the size of the loan and the limited options to reduce my interest rate, i do not believe navient had my best interest at heard when they financed my small loan amount out to 30 years. Essentially I was just accumulating and subsequently paying on interest and very little principal. I believe these practices are a false and predatory for students who are to be contributing to greater society. It was difficult to work with them to get a loan amount that was within budget but also aggressive enough in payoff amounts. When I paid a lump sum early, it Essentially deferred my next payment not demonstrating good faith of my determination to pay off the loan or reduce the interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Im in a ARM mortage loan on my house and have had the same loan for 11 years, I have never been late or missed a payment to them ever, My credit score has gone up but my income has not, Therefore I can not Qualify for a new loan, They keep raising my interest rate and have raised it several times even when interest rates were going down. I do not think that they should be able to do this it is starting to put me in a position to not be able to make my payments, I understand I signed an ARM but was told by my lender they would only adjust with interest rates, The rate would go down when rates went down and up when rates went up. 
Is this legal or ethical?

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 2017-02-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
According to a letter I received by Bank of America dated XX/XX/2014 it states : " we may not have provided you with the level of service you deserve, and are providing you this check. There is nothing you need to do other than cash the check '' I received XXXX checks in the sum of {$6100.00}. 

My curiosity wondered what 's this money for? and why is the letter vague with no calculations?, just a simple " There is nothing you need to do other than cash the check '' So where did this money come from?, what tax and accounting implications have been created by Bank of America are involved?

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 2016-01-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient continually calls and sends mail harassing me despite the fact that I have advised them in writing and via telephone that I am represented by an attorney. I am a XXXX individual and wish for the harassment to cease. They have repeatedly argued with me and badgered me via telephone despite the fact that I have told them I am unemployed and can not pay. I attempted to make payments several times and despite the fact that they said they would not, they still turned by account over for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services
State: CO

Complaint narrative:
My student loans were " bought '' and have been serviced for several years by ACS. I have had some concerns dating back several years about the way in which large lump sum payments were applied to the account. I participated in XXXX and applied those funds to my student loan, but was told by ACS that this would not reduce the principle balance but would just apply to future payments. I do n't really trust the accounting and have made several requests for a detailed statement from the time they began servicing the loan, so I can audit the account. Despite several requests I have yet to receive a statement, and can see that others have similar complaints. They sent me a statement on an incorrect account that was not detailed and have told me more than once that they mailed a statement but I have not received anything. To summarize, I want to audit this account and have requested a detailed statement that will allow a detailed financial audit and this has not been received.

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: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I send the company a Cease and Desist and they have continued to call me afterwards. I understand that Amsher Collection agency can call once to advise me that they received my Cease and Desist however they have called more than once. Some man left a message stating that I need to pay XXXX today, that is XXXX party disclosure, anyone could have heard that message. Also, I current on all account in which the balance is greater than 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 2016-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
Berlin Wheeler is repeatedly calling me on my cell phone and my work phone. I feel they are being threatening and they are violating the FDCPA as I have told them repeatedly that they can not call me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I want to open a savings account but can not. All my collections are more than 10 years old. Please remove any restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: IL

Complaint narrative:
This debt was paid to the hospital by my insurance years ago. I 've tried several times to get this corrected but my attempts have been ignored. I sent verification in 2012 and was told it would be removed. Now 4 years later I still ca n't believe they wo n't remove this from the credit bureaus. How long can they continue to destroy my credit score? I 'm totally frustrated and will continue to contact my Congressman until laws are changed to prevent this abuse, both financially and mentally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Waterfall Revenue Group
State: DE

Complaint narrative:
Billing agency sent claim/bill to the wrong insurance company. All correspondence to me regarding this matter went to a previous address. Did n't have any knowledge of mishap until I checked my XXXX account. My insurance company advised me to have original billing agency re-submit the claim/ bill for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
We believe this is a fraudulent cell phone account opened in my name. We sent a letter copied from the CFPB web site and requested all information related to this supposed debt. The letter was sent certified mail, return receipt, and was signed for on XXXX/XXXX/15. We asked for them to cease all contact until the requested information was supplied. To date, we still receive multiple calls/day on multiple numbers ( home, personal cell, etc ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: NY

Complaint narrative:
Selene Finance is knowingly currently engaging in the prohibited practice of dual-tracking while I 'm actively applying for and being considered for a loan modification and also failing to respond to my mortgage loan requests pursuant PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PINNACLE RECOVERY, INC.

Complaint narrative:
Pinnacle Recovery Inc. of XXXX XXXX XXXX, XXXX, CA XXXX, keeps sending me and my wife fraudulent notices of a debt that they ( Pinnacle Recovery ) are attempting to collect on behalf of XXXX XXXX XXXX. 

This mail fraud, identity theft and debt collection has escalated to the extent that a representative called our XXXX XXXX country landline home phone trying to make arrangements to collect a debt of {$1100.00} ( USD ) via Credit Card payment. 

My Wife and I have never transacted any business with XXXX XXXX XXXX We would very much like this harassment and fraudulent practice to cease and desist. It is all a scam, a sham, fraudulent, vexatious, tenuous and disgustingly opportunistic. Thanks in advance CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I sent a letter to Amsher asking that they remove their unauthorized collection from my account. I received a letter back saying that they would delete this on all XXXX bureaus. The first letter I sent was on XXXX/XXXX/16 and it is not XX/XX/XXXX16.They have yet to remove anything from the bureaus. They are still reporting on my credit and therefore damaging it and my financial life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation