vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-14 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: The CBE Group, Inc.
State: NJ

Complaint narrative:
I received a phone call from The CBE Group on XXXX/XXXX/2015 and this collection agency informed that they are collecting for a XXXX account in which I had removed off of all my credit reports to due ID Fraud. I told the collection agent that they are trying to collect on a debt that was created against me without my consent orknowlege. I told this young lady that I have a police report and FTC Affidavit that I have sent this to XXXX directly as well as the XXXX credit bureaus. She said that is impossible basically saying that people tell them all the time that the debt is n't there.s and basically we asked them to prove or pay. I hung up with her stating to check with XXXX because this account is no more and I am not liable for it. I have attached the same police report that was given to XXXX and he FTC Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 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: AZ

Complaint narrative:
My father passed away on XXXX XXXX, 2016. He was a cosigner on my private student loans that paid for my XXXX studies at XXXX University in XXXX. Navient called his number because I was approximately one week late on making the payment in XX/XX/XXXX following his passing. I answered the call and informed them of his death. I made the payment over the phone and I was told to send in his death certificate to release him as a cosigner. On XX/XX/2016 I received an E-Correspondence from Navient stating that : " Your cosigned private loan has been referred to XXXX XXXX , XXXX, to resolve the outstanding balance. They may attempt to contact the executor of the cosigner 's estate. If you provide a new, credit-worthy cosigner for your loan, we can recall the account from XXXX XXXX. If you do n't name a new cosigner ... XXXX XXXX XXXX attempt to locate the executor to discuss the status of the estate and the procedures for filing a claim with the probate court where the estate will be settled. The promissory note you signed provides that the loan may be declared in default and due in full if any borrower or cosigner passes away ; however, we wo n't declare the loan in default as long as you continue to make regular, monthly payments. '' I 'd thought my father would be released from the loans, especially since my loans are in good standing and I fully intend to continue making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The reward from my Bank of America XXXX XXXX XXXX in the form of miles ( XXXX for every dollar spent ) are not reaching my XXXX account. Innumerable calls to XXXX customer service department has been useless in solving this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is issuing inaccurate statements. I have XXXX balance transfers, XXXX with a promo short-term zero interest rate ( after the. Under the Interest Charge Calculations section of my statement, under " balance subject to interest rate '' it shows a zero balance for each of the balance transfers. This is not correct. I have several thousand dollars subject to that special zero-percent interest rate. While the special promo rate happens to be XXXX at the moment, this will change when the promo time period is over. 

Every other credit card company I have ever had a balance transfer with shows the actual balance in this section of the statement, even when the rate is zero. Right now I have no idea of much of my actual balance is currently subject to this promo rate. When I called Bank of America about the issue, I spoke to supervisor who said they used to show the correct balance amount there, but it was changed last year, she did n't know why, they had had a lot of complaints, but while they knew they were providing inaccurate information to the consumer, they were not going to change it and will continue to provide inaccurate information. She said that If I wanted to know my balance for each balance transaction each month, I would just have to call each month since they would not provide the statement regarding my correct balance on my statements. 
This is completely ridiculous and counter to the information they are supposed to provide me so that I can make good financial decisions. As I said, every other credit card company provides this information correctly on their statements, and by their own admission, BofA used to provide this information correctly. 

I 've attached a sample of my BofA statement and my statement from XXXX bank. As you can see, the BofA statement gives me incorrect information in that it is stating that I have a XXXX balance subject to the promo interest rate. this is completely incorrect. The XXXX statement presents the exact same situation correctly.

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 2016-06-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of america home loan servicing assigned a XXXX balanced loan to XXXX. 

After transfer, to date XXXX claims more than {$110000.00} is due.

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 2016-11-14 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: VA

Complaint narrative:
In XXXX of 2015, I contacted XXXX XXXX for tech support on my XXXX XXXX XXXX, over the phone. The representative that answered the phone told me that. XXXX XXXX XXXX and transferred all their customers to them. I did n't question the rep because they answered the XXXX Customer Service help desk ; I was unaware that they had hacked into XXXX phone line. The rep sold me a 5 yr contract for tech support that day. It was a phone transaction. They said they would send a contract via email. They charged my credit card with Bank of America Visa Account number # XXXX. I called XXXX XXXX support for an annual update and servicing and was told that XXXX had shut down. When informed of the closed business, I checked XXXX and found the attached website, where the attorney general in Washington State had sued XXXX for fraud. Bank of America has not refunded the {$370.00} to my Visa Card. Name on Account : XXXX XXXX. Please investigate this to see why a consumer can not be refunded in the case of FRAUD. Thank you. My phone number XXXX in Virginia Thank you for help.

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 2016-04-06 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: KS

Complaint narrative:
Sallie Mae and now XXXX was my prior servicer. I have been working at a non-profit, as I 'm working towards Public Service Loan Forgiveness. After discussing this goal with Sallie Mae on multiple lengthy phone calls, and switching to the correct income based repayment plan as instructed, I began making what I thought were qualifying payments. I even called a second time to confirm, as was told I was doing all the necessary steps. It was n't until just last year, when a very helpful customer service rep thru XXXX, made comment that most of my loans were not qualified loans, after paying on the loans for 2 years. After a relatively easy application to consolidate into a " XXXX '', which the very nice customer service representative at XXXX XXXX did for me, I am now on track for loan forgiveness, but {$150000.00} of my loans are now 2 years behind in payment. This is VERY financially damaging for me, as my monthly loan payment does n't even cover the current interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I received a loan from XXXX XXXX in XX/XX/XXXX to Attend College at XXXX XXXX XXXX. I graduated in XX/XX/XXXX. I began repaying the loan to Navientas instructed in approximately XXXX XXXX, due to the fact that I couldnot afford the regular monthly payment, I was enrolled in the ratereduction program all payments were automatically withdrawn from my 'account by Navient . In XXXX XXXX I received correspondence fromNavient stating to contact them if I wanted to renew the rate reductionprogram. I submitted all information that was requested and was deniedenrollment in the rate reduction program based on my cosigner ability topay according to Navient representative XXXX XXXX because shebrought a new car and she should have brought a cheaper car which isjust as reliable and my cosigner would have been able to make $ XXXXmonthly payments. I submitted the form to release my cosigner from myloan, I met all written criteria for the cosigner to be released and was stilldenied by Navient. The $ XXXX monthly payment that Navient is demandingneither my cosigner nor myself can afford and will surely cause me todefault and ruin my credit as well as my cosigner I am asking for yourassistance in having Navient keep my payments at a amount that of nomore that {$380.00} which I can afford and also to please release mycosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: MO

Complaint narrative:
unable to contact agency handling debt to verify. Debt appears to be from 2011.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Brightfunders, LLC
State: NC

Complaint narrative:
Mortgage broker did Credit inquiry on my credit report without authorization. 
Talked w/ husband heard him telling them not to do Hard pull, meanwhile I gave no XXXX authorization to do a credit check on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I received a notice from AmSher to collect {$450.00} on behalf of XXXX. They wrote they would settle the debt for {$270.00}. I called to explain the situation and inquire how the settlement amount had come about. the issue was escalated to the supervisor who in turn was unable to explain how they came up with {$270.00}. I explained that XXXX XXXX XXXX had reimbursed me only {$190.00} for the phone that XXXX wanted to charge me {$450.00} for and I was gladly refunding that money to XXXX or Amsher on their behalf. The supervisor ( XXXX ) was extremely adamant and recalcitrant that he was right and was n't listening to my argument. I even offered to show proof and evidence. I also mentioned the reason I was unable to collect the rest of the money from XXXX XXXX XXXX was because XXXX had not given me the rest of the documentation I needed on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SIMM Associates, Inc.
State: IA

Complaint narrative:
I received a letter from Simm Associates regarding a debt from a creditor I 've never heard of. I have never had an account with " XXXX XXXX '' or heard of this company. There is n't any other information about this company I supposedly owe. I have tried to contact the company, however I get a recording stating they are unable to answer my call at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CONTOUR MORTGAGE CORPORATION
State: NY

Complaint narrative:
Mortgage lender overcharging me in closing costs. They have financed my upfront MIP into my loan which I asked if they can remove several times. They are also charging me this same upfront MIP again at closing. I met with bank, several times in reference to this and now on the day of closing, nothing has changed. They have finance {$5500.00} in my mortgage which I may add made my down payment of 3.5 % higher and now they also have that amount calculated within my closing costs. 
My issue with the closing disclosure is that it is very misleading as it does n't say anywhere on it that they have added my upfront MIP on the balance of my loan. The MIP is listed as one of my closing costs which they state can not be removed. It should be removed because it was financed in the balance of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CONTOUR MORTGAGE CORPORATION
State: CT

Complaint narrative:
In addition to my first complaint I wish to add this information. On XXXX/XXXX/15, after supplying Contour Mortgage with the last of the requested documents, which was an updated bank statement and gift letter. Contour Mortgage informed my loan officer, XXXX XXXX there was more documents and inspections that needed to be done. Well I also found out that XXXX XXXX was not XXXX certified. In my state of aggravation Contour Mortgage I proceeded to make phone calls my way from XXXX XXXX to XXXX XXXX then finally, XXXX XXXX XXXX. After speaking with XXXX, who said he was the person in charge of XXXX and the underwriter XXXX XXXX ), he made it perfectly clear that my loan was locked in and he would go over my loan file to make sure it was processed expeditiously, because I had advised him of the XXXX XXXX 2 ) extensions that had already been made with the seller and we were now going into the third extension with the seller ( HUD XXXX and there would be added expenses relating to this extension. On Monday, XXXX/XXXX/15, I called XXXX to find out how things were moving along and he said he would get back to me by the days end, which he did not, but I did receive an email from Contour Mortgage through XXXX XXXX. In this email there was a PDF attachment which states the new and " XXXX '' Conditions ( Prior to Approval XXXX. In the conditions it said I, ( the buyer ) needed to provide contractor estimates for Lead based paint, electrical, and HVAC system. These estimates have been provided and there is a lead disclosure and credit for work to be done. Also, the utilities can not be turned on to provide an inspection, because the repairs have to be done first, which there is an estimate that was provided as well. Contour Mortgage is also asking that the new estimates they want, MUST come from contractors that hold a valid license and XXXX policy and have Contractor Identity of Interest Certification etc, etc, etc. So, the requested documents I needed to provide went from XXXX to XXXX in a matter of a couple days. I am able to provide a PDF copy of the final demands that Contour Mortgage is requesting. All the information they are asking for was information they had in hand at the beginning phase of this loan application. I am upset they have me jumping through hoops that seem to never end. I can not seem to satisfy the underwriters requests. I have read others reports on the XXXX web site and found there have been others who are dissatisfied with Contour Mortgage Company. My realtor and I have been transparent through this process, but when we ask questions and demand answers, Contour Mortgage employees never answer, never return emails or phone calls or simply put, do n't have the answers, other than a XXXX loan has many steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Solutions To Portfolios, LLC
State: TX

Complaint narrative:
On XXXX XXXX 2016 number XXXX called me back to back XXXX times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 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: Waterfall Revenue Group
State: FL

Complaint narrative:
A-1 COLLECTIONS SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : 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 A-1 COLLECTIONS SVC or any company associate with this account # 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 including : 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 report Please send me a letter explaining what you have done to : A-1 COLLECTIONS SVC 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 request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Ray Skillman Westside Imports Inc
State: IN

Complaint narrative:
I purchased a car from Ray Skillman Westside Auto in XXXX, IN on XX/XX/2017. The finance person named XXXX XXXX, tried to lie to me about having to take warranties in order to get auto financing. Later on that day I called another Ray Skillman location in XXXX and they informed me that information was not true that all the warranties are optional and up to the customer. I called on XX/XX/XXXX and talked to XXXX in finance. She told me to come back in and she would re-do my loan I drove an hour and a half there for XXXX to tell me she could not help me and to call XXXX on XX/XX/XXXX. On XX/XX/XXXX I talked to the manager there XXXX XXXX and he still did not want to provide me a resolution to the problem. I called XXXX XXXX and they told me the loan had no been financed yet and th dealship just needed to call to put it on hold until a new loan application could be done. I called XXXX back and he assured me he would contact XXXX and put the app on hold. He did not do this. So I drive another hour and half on XX/XX/XXXX and when I get there XXXX tries to tell me he ca n't help me because the loan was processed this afternoon. I had to tell him that his manager XXXX assumed me I would not be driving 3 hours round trip for someone to tell me they can not help me again. XXXX then called XXXX and they told him to process a new loan app. Then XXXX again still tries to make me take out an anti theft warranty and tells me it automatically comes with the car. I said no it does not because I have called your other locations and your manager XXXX XXXX and they all say its optional. I told him to go talk to XXXX. He comes back in the office and says to me well we normally do n't do this but since you are friends with the sale rep we wo n't charge you for the anti theft warranty. He then processed the loan as I ask just the car and no warranties. I took an additional 6 hours of my time to get them to give me any help. I owe them {$200.00} on a down payment, and I think they should be held responsible for the time and gas I spent coming back when they refused to assist me and because I was given false information by XXXX. XXXX XXXX tried to lie and fraud me out of XXXX for a anti theft warranty that was optional.

Company response to consumer: Closed with monetary relief