vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I opened a Bank of America eBanking checking account in XX/XX/XXXX. This account charges no monthly fee as long as no teller services are used, and this fact is not disputed by Bank of America. At the beginning of XX/XX/XXXX, my account was involuntarily converted to a Bank of America Core Checking account with a XXXX monthly fee. I received no notice of this conversion, and in no way acknowledged or authorized the conversion. XXXX monthly fees have been charged to my account, on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 

I noticed the monthly fees in XXXX and went into a Bank of America branch, where the manager stated I had to call in to have the fees waived and the accounts closed. I called the number he gave me, and spoke with a supervisor. The supervisor stated that all " eBanking '' accounts had been converted to accounts with monthly fees, and that the bank had a general policy of sending letters and emails about the conversion. However, the supervisor said that the bank could not provide any records of specifically having sent me a letter or email about the conversion. 

I never received a letter notifying me of the account conversion, and I searched my email inbox, archives, and trash and did not find any email from Bank of America regarding the account conversion. If I had received notice of the conversion, I would have declined and immediately closed the account. 

The supervisor stated that she could not reverse the XXXX monthly fees, but that she would pass my case to a manager for resolution within XXXX business days. One week later, I have heard nothing from Bank of America and the fees have not been reversed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have never lived in XXXX. That information is not correct and should be corrected. My husband lived there at one time but we were separated. The only address that should be listed is XXXX XXXX XXXX, XXXX, MD XXXX. I have lived here all my life.

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 2015-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America representative XXXX called my home 364 days straight in XXXX and also called an hung up when I did not answer XXXX times each of those 364 days but did not leave his name. The calls came in between XXXX est and XXXX est. Sometimes every half hour for several hours. The three years or so before these harassing calls I tried to speak with Bank of America representatives and was cursed at, threatened, degraded, hung up on by them only to be called back every XXXX minutes until I picked up again. I went in person the the local Bank of America Branch to report this and the Branch assistant mgr said she know this is a common complaint and nothing can be done. I was shaking so bad I could barely speak and tell her what they are doing and how much it disrupts daily life to the point I cringe each time the phone rings. To add insult to injury my credit score is damaged and the Bank of America actually states the kind of loan I have - interest only home equity loan - can not possibly be the type I received as it is not allowed by law! I do have XXXX! The interest only home equity loan was given to me XXXX and here it is XXXX and the Bank of America is a nightmare that will not end. I am on the do not call list, have been for years. I am on XXXX since XXXX and all I am seeking is an immediate and final correction and repair of my credit and no longer be afraid to answer my phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13 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: MA

Complaint narrative:
I recently received a routine statement from my student loan servicing company, Navient. My payment has been ~ {$940.00} per month and I have been paying in full and on time via direct bank transfer for approximately the past 8.5 years on a 10 year loan repayment schedule. However, when I looked at my current statement -- which I needed to do online after receiving notification that it was available -- the amount due was listed as ~ {$75.00} for the next monthly statement. I called the company concerned regarding an error and was told that " we have reviewed all loans and changed them back to the original payment terms. '' I consolidated my Federal Stafford loans ( which all initially had 10 year repayment terms ) on XXXX XXXX, XXXX and at that time, the consolidated loan was on a standard 30 year repayment schedule. However, I immediately changed to a 10 year repayment schedule which was confirmed by my loan servicer at that time ( XXXX XXXX ) only days later on XXXX XXXX, XXXX. The 10 year repayment scheduled has been in effect since that time and was in effect well before I even began making payments in XXXX, XXXX following deferment. 

I am concerned that this change was done by Navient unilaterally and without notifying me. To date, I have received no notice from Navient that the terms of my loan were changed without my involvement nor permission. Further, this reeks of predatory practices and I am concerned that this company initiated this practice only to ensure collection of more interest from lendees who might not attend closely to their statements. 

These loans originated from the time that I attended the University XXXX XXXX and XXXX XXXX NJ : XXXX XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Evergreen Moneysource Mortgage Company
State: NV

Complaint narrative:
I sent a Request for Information on behalf of my client, XXXX, to Evergreen Home loans requesting information on both her XXXX and XXXX mortgages. Evergreen is servicing XXXX mortgages. Evergreen failed to reply to both Requests. My client was eventually forced to file bankruptcy to stop a foreclosure that was initiated by Evergreen on her second mortgage. We were never able to understand how Evergreen calculated the amount she owed on her XXXX mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Collections Enterprise, Inc.
State: FL

Complaint narrative:
AMERICAN COLLECTIONSXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX # XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify AMERICAN COLLECTION ACC # XXXX XXXX XXXX XXXX XXXX $ - XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : AMERICAN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXXSSN : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lendmark Financial Services
State: FL

Complaint narrative:
I only fell a few weeks behind and they are calling my employer, who I never gave permission to call. I have instructed them that the only valid number to call is my home, and they must discontinue calling my place of work and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
Went to a local auto sales lot and picked out a car and applied for a auto loan through their website. Loan vendor is Lendmark Financial Service located in XXXX, MD. Asked for $ XXXX. Was approved for the full amount at an ridiculous rate of 21.99 APR. I have good credit, great work history and well above avg salary. Later that same day I applied at my local credit union and was approved for the same loan at 3.99 APR. I am complaining because I want this type of predatory practice stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
i received a collection notice from XXXX and it is not my debt. 
1 it is not my debt i would like for XXXX to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is XXXX claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
I closed on my home in XXXX of 2015 and this month I received a notice from my mortgage company ( Guild Mortgage ) that I had a trust shortage. I called the mortgage company and they told me that because of the shortage my mortgage was reconfigured to cover the shortage. My payment went up over {$360.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: MT

Complaint narrative:
received collection letter from XXXX on behalf of Pinnacle on behalf of XXXX. Do not owe the debt. I sent written request for? ALL of the foillowing. 
1. copy or original agreement with XXXX2. debt validation3. debt verification4. how this debt was calculated including payment history. amount originally owed. fees assessed. interest charged. 
5. copy of original contract for account sale between Pinnacle and XXXX , and XXXX and XXXX . 
6. to have removed from my credit report. XXXX wrote back and said they would attempt to do so and would be back in touch. This was almost 6 months ago. Now no one responds to my letters or calls to have this resolved. I am left with this and small claims court to resolve this now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
Found a hit on my credit report from Franklin. Sent a formal dispute asking for validation of the account. The i was sent via certified mail on XXXX XXXX and signed for on XXXX XXXX. I received a final bill from the company showing a phone number that was not mine. Franklin broke the law by not supplying a valid signature or proof in the required 30 days by law, nor did they remove this from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: NV

Complaint narrative:
PINNACLE CREDIT SERVICES out of XXXX Mn. reported a charged off XXXX cell phone on my credit. The cell phone is not and was never my cell number. Pinnacle is a debt buyer and transferred me XXXX. I informed XXXX that the cell number and bill are not mine. The Agent ( XXXX ) told me I need to file a police report. I asked if I filed a police report would that remove this account from my credit. She responded, " I do not know, I do n't have anything to do with credit reporting '' so, I asked what I should do to get this removed from my credit since it is not my account. she said she can validate my debt, by sending me the last couple statements. Unfortunately this does not solve anything. Validating the debt does not help remove a wrong account from my credit. The onus should be on XXXX to prove they legitimately opened this account. they should prove that they verified the social security number prior to opening account. XXXX then referred me back to Pinnacle. I called Pinnacle and they refused to speak to me about my credit report. they said I need to speak to XXXX XXXX XXXX. I explained that XXXX XXXX XXXX could help me. I told the woman at Pinnacle that they put this on their credit an I need them to tell me what I need to remove it and they said " sorry ca n't help XXXX '' and quickly transferred me back to XXXX XXXX XXXX. This is not my account and I want it removed from my credit. Pinnacle has an " XXXX '' rating with XXXX. they obviously do not care about doing the right thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
This company is harassing me and trying to force me to pay a old debt that has been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company
State: MT

Complaint narrative:
I am again filing a complaint against Guild Mortgage company. Guild has continued measures of harassment although they have been notified of the sale of our home. The process is currently in escow and I have been providing them with current updates in this regard with certified and notarized documentation. I have tried and tried even through the previous complaint in which they changed legal documentation as submitted to the Consumer Financial Protection Bureau once they were required to submit documentation stating that they were right in their decision making and reporting of false statements on my credit report in which they admitted to myself and I provided that documentation and they went ahead and changed the exact documents omitting the data of their choice. They also changed our account history based on their want in which the documentation then then mailed to my house has been actively changed by XXXX XXXX. XXXX XXXX also had a associate contact me in response to these measures telling me that the recorded conversations of all phone calls they have on file and when I asked to liten to the recordings as well the male individual stated that those are their recordings and I will not get access or ability to listen to these recordings. I also find it rather disturbing that they are permitted to change legal documentation in regards to mistakes that were brought to their attention in order to avoid any further action towards them in favor of a borrower. Interesting that they now sent a certified letter stating foreclosure when XXXX verbalized permitting hold payment during the payoff period and now they are stating they are going to take our home when it has already been sold with contract acceptance and proof of lending from a different mortgager. They have forged documentation in stating that they were never holding money without our knowledge. It was done numerous times over the last 18 months but them being able to falsify documentation in order to present prejudice behaviors against us, changing dates and information. I hope that an investigation will be done looking deeply into their account process especially because they are actively breaking the forth set mortgage lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: MD

Complaint narrative:
I have not heard from this collection company about this issue and I have not been able to resolve this. I ca n't get them to contact me after inquiries to their website. 
If I ca n't contact them, I ca n't resolve this issue. 

Franklin Collections is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: 1ST ALLIANCE LENDING, LLC
State: AL

Complaint narrative:
I applied for a loan for a mortgage and they told me I was pre approved for a home that cost XXXX. I went to look at the home that I wanted to purchased came back and sent in the papers for the home the home only listed for {$93000.00}. After submitting my papers back to them after the preapproval they told me we are sorry but we ca n't approve you for this loan. I asked them why and they told me after the fact due to my debt to ratio and student loans. I told them well why did you tell me that I was pre appoved and then turn around and say something different. XXXX then said well we fail to look at your financial obligations. 
I told her what did my financial obligations have to do with anything I had been paying my bills on time and had the credit score that was needed and the down payment money and then you tell me after the fact that I am not approved now. I lost XXXX on my earnest money and XXXX for inspection and another XXXX for another inspection. I want my money back the broker refuses to give my money back because 1st Alliance Lending told them and myself that I was approved at the beginning and now they say I am not. I am very upset about this because I have spent out all this money on this home and now I do n't have a place to live and have lost money on inspection and earnest money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 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 Credit Services, LLC
State: TX

Complaint narrative:
so back in XXXX, I found out that I was a victim of identity theft through IRS, so I have filed several reports to credit bureaus, law agencies so pinnacle credit for XXXX XXXX, was open in XXXX but I have not been able to get this out of my credit report even after several attempts proving its not my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NV

Complaint narrative:
We are requesting the following information from First American Title Insurance Company in writing. 
1st- We signed a Note and Deed of Trust at the XXXX Nevada location on XXXX XXXX 2006 for XXXX. What was the date that First American Title sent the original documents to XXXX? 
2nd- how did First American Title send those documents, federal express, USPS or XXXX? 
3rd- for the property located at XXXX XXXX XXXX , did the investor ever cash out the insurance policy that the investor had with First American Title, file # XXXX? 
4th, if so, please provide dates when cashed and to whom was the funds paid too? 
Thank you for your time.

Company response to consumer: Closed with explanation