vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had XXXX accounts with Bank of America. XXXX account # XXXX this account had apparently been over drawn due to checks that were written to me by my Ex-husband and then deposited and returned. The amount was in excess of {$2300.00}. However, I did pay Bank of America back and then they updated my information in XXXX as " PAID IN FULL '' but I still can not get a checking account anywhere with any bank because they flagged it as being fraud. ( or attempting to transact account in an unauthorized prohibited manner. This is not the case and this should be removed from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Student Loan Care, LLC
State: NV

Complaint narrative:
I was contacted by a third party consolidation company who I thought was with the government but I was mistaken. I provided personal information in hopes to consolidate all my loans to one payment/interest rate. After I was given a quote he said it would be a couple days to process and after doing some research discovered I could consolidate my loans through the department of education myself for FREE and this company was charging me XXXX dollars. After calling him back to confront him he responded with a yes you can do that in a smart aleck response. I gave him my FSA ID, SS number, bank statements, and contact information and after talking to the Department of education was a huge mistake. Company is called Student Loan Care or XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
the rep with XXXX making home affordable got the chase rep on the phone in chase oh XXXX unit in XXXX since chase restructured my loan with no compliance with respa and TILA laws about the current loan modification that chase did on my loan in XXXX through XXXX XXXX, 2011 without my permission and then proceeded to manufacture defaults in the oh XXXX default management group in XXXX XXXX and XXXX otherwise knows as their scra/escalations dept headed up by XXXX XXXX. I have requested for chase to take me out of the default dept for over XXXX years and they refuse. the refuse to comply with the us dojustice XXXX dollar settlement agreement so that their execs like XXXX XXXX XXXX and XXXX XXXX XXXX who are reponsibile for all this alleged illegal conduct do n't go to jail. now the OCC has given chase mortgage aka jp morgan chase bank oh XXXX notice that they are not complying with settlement agreemetns or complying with Tila or RESPA laws of the u.s. government. I never applied for this loan beginning with XXXX and its predecessor was originated by XXXX XXXX chase by lying to me on the TILA documents as to the nature of the loan and that they and chase have created balloon payments on these loans without any disclosure and on the mortgage statement for this current number the XXXX year payment amount is based on a XXXX year mortgage loan instead of XXXX. I have no loan docs for this current loan number with no tila docs no respa docs no mortgage statements for a total of XXXX missing statements. over {$100000.00} of missing or unaccounted for funds with chase employees in the escalations dept in XXXX which was XXXX XXXX chase refusing to correct these problems and created them in the past under name of XXXX XXXX chase. and doing this to me as a XXXX veteran. 

they refuse to fix these problems and now the OCC announced that chase is not servicing mortgages properly and chase refuses to account for mortgage payments and has repeatedly put my payments in suspense accounts and manufactured defaults in their mortgage servicing computers while violating mortgage servicing uscfpb regulations and national mortgage settlements andus dojustice mortgage fraud settlements and my loan is a LIBOR loan where chase has now pleaded guilty to usdoj for LIBORprice fixing and is A XXXX BANK. today the statement appeared on chase screen that says they made property preservation disbursements but that does not appear on any mortgage statement or escrow accounting statement. there is no explanation for that and I demand a written explanation of what property preservation disbursements as advances means in English and it shows up on a mortgage or escrow sta tement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have attempted for five years to have 2 liens from XX/XX/XXXX and XX/XX/XXXX removed from my Equifax credit report as they have been satisfied. I have gone through Equifax directly but have been unsuccessful. I answered that I had not done so because I no longer have the paperwork from the last attempt, over a year ago. 
Attached are screenshots that show I have no current liens. Please do what you can to have these removed from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Fraud charges and temp authorizations on credit card. Called BAC they were no help, hung up, called back and they said call XXXX. Called XXXX they said call you Credit Card company. BAC credit card XXXX has charges on XX/XX/2017 for {$65.00} and XX/XX/2017 for {$40.00}. I am a XXXX customer and do not do business with XXXX. Please remove the charges and reissue a new card.

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 2016-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America processed a predatory loan modification on my arm loan in XXXX ( which was originated in XXXX ). 
In the modification they tack on {$27000.00} for late fees and back payment, and also 18 more years to the back end of the loan. 
No one ever spoke to me about the ramifications of what this modification was doing to the length of the original loan. Everything was done by fax. 
I was under does because my husband had died and I was on XXXX and I did n't want to be homeless. 

Then they SOLD my loan off to BURY what they had done. For future audit purposes. 

In XXXX, they SOLD my loan off to XXXX ( now XXXX ) who now informs me that it is over a 50 years on the loan. 

This was supposed to be a loan to help me not lose my home and not go homeless. What they did and processed is unethical and predatory business practice. 

I 'm writing to you for help and direction in correcting the wrong that has been done. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
On XXXX XXXX I originally called to make a payment and while speaking with the Navient representative she gave me advice on lowering my private XXXX XXXX, not " Navient '' loans. She stated I can have them sent to be processed at interest only for 2 years taking my payment from {$650.00} to {$540.00} ( Interest only ) per month. To get started I needed to pay for a 3 month forbearance so I would n't have to make any payments until the " interest only '' request was complete in about 30 business days. According to the advocate the forbearance was also needed to protect me from accruing any late fees while the request was being processed. I concurred and paid {$150.00} for the 3 month forbearance ( XXXX-XX/XX/XXXX ) on my XXXX ( $ XXXX/loan ) private loans. The XXXX XXXX representative read me my terms and agreement stating I will have a 3 month forbearance covering XXXX then my new payments of {$540.00} will start. I thanked the caller and ended the call. On XXXX the XXXX I called XXXX XXXX to check the status of my " interest only '' request because I had n't received anything via mail updating me. I was then told, my request was denied because the loans have to be in the first 5 years of repayment and I was over those years because the loans were taken out in years XX/XX/XXXX-XX/XX/XXXX. I was also informed that my Private loans were past due. When I ask for the reason why they were past due, I was told my account was only processed for 1 month forbearance. I explained to the representative of the information I was given by the last representative who took my {$150.00} payment for 3 month forbearance and read me the terms and agreement. I was told, " Ma'am, you are only offered 12 consecutive months to do forbearance and you only had one month left. We ca n't give you what you do n't have. '' I ask the rep how I was supposed to know this information. I explained the reason for me calling Navient and speaking with was rep was to get assistance and I had confident I was being told accurate information. All I was repeatedly told was " I apologize, but we ca n't give you what you do n't have. I spoke with a supervisor who kept giving me the same information. '' I ask to file a complaint, so the supervisor promised me a call back within the next 7-14 business days once she filed my complaint. As of today, I still have not gotten a return call nor has my account been adjusted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I cancelled my service with XXXX yet was still charged for it on my Pennfed Credit card. I called XXXX XXXX radio and was promised a refund, but never received it. I then disputed it with Pennfed. I both emailed back and forth with customer service and mailed the form. However, they claim it was never received and would not help me resolve the matter. In this day and age it is absurd that only snail mail is accepted, but that is another issue. I did my part and should have received the protection from Pennfed regarding my dispute. I had a credit line of XXXX. I never paid late. I am/was a great, reliable, trustworthy member. And I was treated with disrespect and offered no recourse for the bogus charge. So, I choose not to pay it was not authorized by me. Now Pennfed has charged fees, on top of fees and reported the negative account on my credit reports as expected. However, I am asking for your assistance in resolving this matter as I do not owe them anything. They should have disputed the charge on my behalf as indicated on my statements.

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 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
I want to file a formal complaint against GCS, LP, and I selected the loan category ( Federal student loan ), because the loan servicer/collection agent, GCS, has not been able to provide important details, like the type of loan, original loan balance, interest rate, etc. Their last representative, XXXX, has been calling me on my mobile number, which has been listed on the National Do Not Call List, since XX/XX/XXXX. She is calling me before XXXX, and the last call was on Wednesday, XX/XX/XXXX at XXXX. I assume she is calling me about a student loan that was disputed and verified by the U.S. Department of Education and XXXX University. 

In XX/XX/XXXX, the Financial Aid Dept. ( FAD ) at XXXX University awarded me a student loan to cover the cost of XXXX courses, but those funds were not distributed to me, because I earned a scholarship from the XXXX, and the FAD determined that I had received an over-award of financial aid funding, so they returned the funds to the financial institution. 

In XX/XX/XXXX, the U.S. Department of Education and XXXX University verified the over-award of financial aid and the cancellation and return of loan proceeds in a letter that I sent to XXXX ( XXXX ). At the time, XXXX was located in XXXX, XXXX XXXX is a subsidiary of XXXX, and XXXX is currently being sued. 

GCS is trying to collect on a matter that has been disputed and verified. They are also adding thousands of dollars in fees to a non-existent debt. Please do all you can to stop this madness! I have enclosed contact information for the U.S. Department of Education ( DOE ), GCS, XXXX University ( XXXX ), and XXXX ( XXXX ). 

Regards, XXXX Contact Information : ( 1 ) DOE, XXXX, XXXX, XXXX XXXX, XXXX, XXXX ( 2 ) GCS, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( 3 ) XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( 4 ) XXXX - XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
NATIONSTAR MORTGAGE LLC 'S PRETENSE IS FINALLY EXPOSED -- - PURPORTS TO HAVE TAKEN OVER THE SERVICING OF OUR MORTGAGE LOAN FROM AURORA LOAN SERVICE IN XX/XX/XXXX -- -YET, XXXX INVESTIGATION IN XX/XX/XXXX REVEALED THAT AURORA ACCOUNT DID NOT EXIST. HENCE, ITS DELETION FROM XXXX XXXX 'S CREDIT REPORT. CORRESPONDINGLY, A SUBSEQUENT INVESTIGATION OF NATIONSTAR 'S ACCOUNT IN XXXX XXXX BY XXXX REVEALED THAT IT IS ALSO NON-EXISTENT. PLEASE SEE DELETED ACCOUNT OF NATIONSTAR FROM XXXX XXXX 'S CREDIT REPORT. 

THIS ALLEGED ACCOUNT ( NATIONSTAR ) - IS THE BASIS OF THE UPCOMING TRUSTEE SALE OF OUR HOME TWO WEEKS FROM NOW - XXXX XXXX, XXXX ( REFERENCE CFPB CASE XXXX NATIONSTAR ; XXXX XXXX, AND XXXX XXXX XXXX XXXX -- - XXXX ENTITIES IN CONNIVANCE TO STEAL OUR HOME.. ) WITHOUT A LEGALLY EXISTING ACCOUNT AS BASIS FOR THE NOTICE OF DEFAULT - IS IT LAWFUL FOR NATIONSTAR-XXXX TO SELL OUR HOME IN FORECLOSURE AUCTION? 

THANK YOU FOR YOUR URGENT HELP AND INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Credit Bureau of Jonesboro, Inc.
State: AR

Complaint narrative:
Asked for validation about a dispute and received personal medical records. Obviously hipaa violation because I never signed hipaa release for 3rd party. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2014 XXXX sent me a letter stating : Dear estate of ( my name ). The letter did not give me my mini-miranda rights nor did their letter state they they were a debt collector. 

I disputed the debt in a letter dated XX/XX/2014 and requested that they conduct an investigation and to send me the results. 

On XX/XX/2014 I received another collection letter from them with out receiving results of the investigation of my dispute on the alleged debt. The collection letter attempted to collect {$12000.00} and then it also stated to me : " You personally are not required to pay any of the debts from the estate. '' What estate if I am still alive and the the letter was sent addressed to me! 

XXXX Violated the FDCPA and the Texas Finance Code.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XX/XX/2015 I paid {$2500.00} in one payment and my regular monthly payment is {$900.00}. The difference was intended to be principle but they placed the amount in an escrow account for insurance. The insurance was cancelled as I obtained my own and the escrow was supposed to be closed in XX/XX/XXXX and refund checks in the amount of {$180.00}. and {$910.00} we due to me. The letter stating this is attached. I have never received the checks. I called the office 3 weeks ago and they said they had to research and call me back. They never called so I called them a few days ago. The customer service person said I was n't entitled to the refund and the letter was in error. He also said the notes said if I called tell me that. I am entitled to the refunds. How can they sent a letter and then change their mind and not contact me. I would like this business audited by the Justice Department. I believe they are a crooked business and scam artists. I am a XXXX, if you do n't have time XXXX, I would be happy to 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 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
My escrow check was applied to my mortgage balance in error. Wells Fargo raised my payment amount by almost {$200.00}. I received a notice in the mail and it post marked XX/XX/2017 stating that my payment would increase on XX/XX/XXXX. I called to try to resolve this over the phone and was told it could take up to 30 days. They refused to admit error even though they know my payment is pulled bi-weekly and the check I mailed in ref escrow was the only check I mailed in the last 3 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 non-monetary relief
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have been trying to restructure the mortgage on my home for the past few years. I had to go on XXXX. Wells Fargo refused to work with me until I started receiving Social Security XXXX payments. This took approximately XXXX years. When I did have the XXXX payment income I applied for restructuring but Wells Fargo said I did not qualify for any programs. THEY NEVER TOLD ME WHAT WAS REQUIRED TO QUALIFY. In XX/XX/XXXX I started working for my present employer XXXX. XXXX I was forced by Wells Fargo to fill out an entire new application ( I have done this at least XXXX times ) for mortgage assistance. I submitted a new application on XX/XX/XXXX. XXXX Wells Fargo is asking for a profit and loss statement. My application included a profit and loss statement from XXXX XXXX until XXXX XXXX. About XXXX weeks later I was contacted by XXXX XXXX of Wells Fargo and she said I had to send a profit and loss statement for the XXXX financial quarter and that had to be XXXX days long. I asked how was I expected to include the entire month of XX/XX/XXXX when I made the application on the XXXX of XXXX? After sending in a revised statement covering the entire XXXX days At the start of XXXX I was asked to submit statements from XX/XX/XXXX and XX/XX/XXXX since they were taking so long to review my application. At that time I asked what else they would want next? More bank statements? another application? Enough is enough. I was just recently asked to submit profit and loss statements for XX/XX/XXXX, XXXX and XX/XX/XXXX despite XXXX previously telling me they already have them. I feel that these delays and lost documents are intentional and the entire time the meter is still running on my mortgage. Currently my mortgage is about {$100000.00} but I owe over {$62.00} in missed mortgage payments.But those monthly payments included about {$300.00} a month that would be applied to the principle. In other words if I was able to pay off the entire {$62.00} past due my principle would drop to under $ XXXX.So if you deducted the money that would have been applied to the principle and then eliminate the monthly late payments that Wells Fargo continues to add on I basically would owe about {$130.00} principle and interest. That balance with a 2.75 % interest rate and my monthly mortgage payment would be {$690.00} THE AFORDABLE PAYMENT I WAS LOOKING FOR OVER XXXX YEARS AGO. Wells Fargo was willing to foreclose on my house and sell it for only {$100.00} so why ca n't they give me an affordable payment? And why are they continuing to delay working out a positive solution? I am XXXX and a veteran. I should not have to be fighting to keep a roof over my head.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: ME

Complaint narrative:
This is an account from XXXX where my grandson was attending school in Mass. The housing set the students up with housing that is near impossible for a student to attend school and work a job that would earn enough to pay a {$700.00} per month rent. His rent was paid up to the time he felt he could not continue classes due to the fact he could not afford the rent. Eviction was threatened and he decided to leave school so he would not continue to run up a debt for his rent. However the housing has charged him, for a broken lease while they immediately rented to another student. Since I was the co-signer the debt now comes to me. I feel this is very unfair and possibly illegal if the housing filled the vacancy and is receiving rent while collecting from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I am in the middle of trying to close on a mortgage, and at first XXXX was refusing to take a persistent dispute notation off my account, today on XX/XX/2016 i find out on XX/XX/2016 the creditor Blakely Witt and Assoc, denied my request to get a persistent dispute notation removed off my credit, now they are holding my credit report hostage and not allowing me to close on a home loan, time is of the essence as i was fighting XXXX for weeks and now i have to fight them over this. I am expected to close in the next couple weeks, and still can not get approved due to this persistent dispute notation that they are now holding my report hostage preventing me from a home loan, if this keeps up i am going to lose my escrow money. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation