vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Monthly maintenance fee of {$12.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with no explanation.

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 2017-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
My load was from XXXX XXXX to go to school at XXXX XXXX XXXX XXXX XXXX in XXXX Arizona. XXXX XXXX later switched to Navient, my school switched to XXXX or something like that after I graduated and I was not aware. Whenever I was contacted about my student loan I was advised when I could not make the payment to sign up for forbearance. I signed up or that and periodically would get emails asking me to resubmit my forbearance info which was actually just keeping me in a constant forbearance which i thought meant I was not being charged interest on. After a while I forgot all about this matter but was continuously signed up for forbearance until I found an email in XXXX stating my forbearance had ended. At the time they instructed me I would have to make payments of {$150.00} a month and I could not afford this. My XXXX XXXX was just XXXX and we had been preparing to move crossed the country. I attempted to get involved in a student debt relief payment program but was scammed and lost {$100.00}. When I XXXX how to take care of all this I see that XXXX XXXX is being sewed by the government and do not know what to do. I am attempting to get into school in Utah for XXXX XXXX but have to take care of this XXXX XXXX issue. Here is just one of the records of my 3 loans I have with them showing the forbearance. 

DU DEFAULTED, UNRESOLVED XX/XX/XXXX DF  DEFAULTED, UNRESOLVED XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX FB FORBEARANCE XX/XX/XXXX RP IN REPAYMENT XX/XX/XXXX IG IN GRACE PERIOD XX/XX/XXXX IA LOAN ORIGINATED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I got an email on XX/XX/XXXX that my Bank of America checking account would spontaneously convert to a different type of account with a monthly fee for a balance below a certain amount. 

" On XXXX XXXX, 2018, your eBanking checking account will change to Bank of America Core Checking ''. 

" We 're updating our checking products and, as a result, your eBanking checking account will change to a Bank of America Core Checking account. Core Checking offers unlimited access to our ATMs, Mobile and Online Banking, plus access to our financial center tellers. 

What 's staying the same : Account information, including your account number, checks and debit card, all remain the same. 
Account features, such as direct deposit, Mobile and Online Banking, Bill Pay, as well as accounts linked for overdraft protection, will also remain the same. 

What 's changing : Financial center transactions Beginning XXXX XXXX, 2018, you will no longer pay a monthly maintenance fee because you use a teller to make deposits and withdrawals. With your Core Checking account, you will be able to make unlimited deposits and withdrawals with a teller at a financial center. 
Monthly maintenance fee A $ XXXX monthly maintenance fee will apply to your Core Checking account beginning with your statement cycle that starts on or after XXXX XXXX, 2018. However, you can avoid this fee when you meet any ONE of the requirements shown below during each monthly statement cycle. Otherwise, the $ XXXX monthly fee will be deducted from your account. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I purchased a mattress at XXXX 's in XXXX XXXX XXXX on XXXX  2017. The salesman convinced me to buy it through a financing program they offered in store in order to qualify for 0 % interest on the purchase of the mattress. I just noticed that the purchase had a 30 % interest charge that was deferred for 12 months and then added to the principal balance and the 30 % rate continued to be applied to new balance. 

The salesman said that if I enroll in autopay that it will automatically deduct the necessary amount to pay off the balance and I would n't be charged any interest. I feel I was tricked into signing up for this and now I 'm paying 30 % interest.

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted Transunion numerous time by phone and via mail asking them to remove old outdated information that reappears on my credit report.

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 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
I 've requested a mortgage modification several time with my mortgage company, they have refused to work with me and my mortgage is adjusting out making my payment higher and higher. I got behind with my mortgage because my father was terminally ill and I wash his sole caretaker. Also my taxes and insurance are n't es crowed I need them to be included with my note. I want to keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo, my Mortgage Company is forcing me to have an Escrow Account on my existing mortgage that I took out in 2004. I have n't had an escrow account since I took out the mortgage, now they say I have to have one and I have no choice. 

Now I have had a couple late payments in the past 12 months and I did pay my property taxes late, but my mortgage is current and so are my property taxes and insurance. I got less than 30 days notice that I had to have an escrow account. I called and said " no way, I do n't want one ''. They submitted my request and I got back a decline on my request due to my payment history and that my FICO score has gone down since I closed the mortgage ( in 2004 ). I personally do n't believe that either of these two reasons are justification to open an escrow account against my will. I do n't remember anything in the closing papers saying they had the right to open one against my will and force me to pay it. 

My mortgage balance is only about 30 % of the market value of the home. Then to top that off, the escrow account almost doubled my monthly payment. I think this is how they plan to steal my house since I have over $ 200K in equity. 

What are my options? I ca n't pay my mortgage with their estimated escrow amount ( which is more than double what it should be ). 
Can they force me to have an escrow account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. When disputing this claim with the credit agencies, I would receive no answer from one and another would say it was legitimate. Neither Equifax, XXXX or XXXX XXXX XXXX would provide me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid. I believe the credit reporting agencies, XXXX and Equifax, went no further than the collection agency, XXXX XXXX XXXX, to verify the validity of the claim, when XXXX XXXX XXXX, the alleged source, should have been contacted to verify the validity of the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. XXXX XXXX XXXX would provide not me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid.

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 2017-11-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Wallace Management Company, LLC
State: OK

Complaint narrative:
This is an old debt that was closed on my credit report. An ex employee I worked with started working at this loan place and they got the information from her and contacted me at work. I was embarssed she humiliated. I cant have personal calls. They threaten to garnish my check and asked to be transferred to human resources

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from XXXX or Equifax. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my XXXX credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On Equifax. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
In XX/XX/XXXX-XX/XX/XXXX, I 'd attempted to make payment arrangements with a representative of the company to begin to pay my debt. The first agreement was {$50.00} for two years until the year XX/XX/XXXX. I was unemployed and single mother. It was one month that I 'd asked the representative for lower payment ( {$25.00} ) just until I could get on back on my feet. The representative agree, but the company had still taken the original amount. Since it was an unauthorized payment amount taken, I 'd asked the representative for paper statements because I did n't want them no later to withdraw payments from my bank account. The representative refused and told me that they did n't have mailed paper statement it was only bank account withdrawal and if I 'd refused it would be a considered a breach of contract and my credit would be affect. I 'd still refused to approve him to continue to withdraw the payment, because they 'd breached contracted by withdrawing the more than I 'd authorized during this time. He 'd then stated that my account would still be considered valid and it would affect my credit. Since then, I 've tried to apply for credit and other loans to have better myself, I 've been disapproved every time and once I 've reached out to verify the account information as far as the balance, I 've not received any information. The account was originally owned by another creditor, in which they 'd bought the account, and I do n't agree with the amount and want to know how did they come with it. I 'd borrowed {$10000.00} from XXXX XXXX while I was a student at XXXX XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. The company is stating that I owe over {$24000.00}! I do n't think I 've accumulated that much interest. They are negatively reporting information to the three credit bureaus or missing information. Also, since this company ( XXXX XXXX XXXX ) had bought an original creditor ( XXXX XXXX ) 's account that was going through a federal investigation, I 'd received a settlement judgement that they did n't follow protocol with reporting information for servicemembers of Armed Forces. There 's also multiple accounts, but I 'm unsure which is accurate and why they 're not reporting any information and just keep reporting without sending me information to handle the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.

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 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am a XXXX XXXX and I believe I have been treated unfairly by Bank of America. I reported my debit card lost to Bank of America on XX/XX/XXXX. After reporting my card missing I noticed withdrawals on my account from an ATM that I do not and have ever frequented. Approximately {$360.00} ( six ( 6 ) {$60.00} withdrawals ) was withdrawn from my account. In addition, there were fraudulent check deposits made on my account. I again contacted Bank of America and advised them of this activity ( claim # XXXX, XXXX, XXXX ). Bank of America issued me a temporary credit for the cash withdrawals and a credit for the fraudulent checks. Bank of America closed both my checking and savings account following my reports. At the time of the closure, my checking account was overdrawn ( because of the fraud ), but there was {$260.00} in my savings account. On XX/XX/XXXX,  I filed a police report regarding the fraud and the theft. I did not know to do this before this time, as Bank of America never asked about a report or suggested the filing of a report. I did so after a friend suggested that I do so and indicated that maybe the camera from the ATM could be reviewed to determine who stole and used my debit card. On XX/XX/XXXX, I contacted Bank of America regarding the status of my complaint, because the account closure made it impossible for me to access the funds in my savings account. As a XXXX XXXX I needed access to these funds. I was advised by Bank of America that my claim had been denied because I could not explain how someone would have obtained my Personal Identification Number ( PIN ) to have been able to access my account. That was the full extent of the explanation I was given. I was advised that the temporary credit would be reversed. I can not explain how someone obtained my PIN and was able to access my account, but they did. As result of this fraud I have had {$360.00} stolen from me and I have been charged numerous fees by the bank, bringing my total loss to {$820.00} including the funds Bank of America took from from my savings account. This loss resulted in me being evicted from my apartment as I was unable to pay the rent.

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 2017-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: MS

Complaint narrative:
i called the company nelnet to discuss about getting all of the late payments received from my account and they said they can only do the ones from XX/XX/XXXX and the department of education would have to remove the other ones. I also contacted them today which is XX/XX/XXXX and which they said they do not remove late payments in which Nelnet told me that they do. Then the department of education goes to tell me that all of my loans are consolidated with XXXX which i did not know because i was not informed on anything. The only thing i want is that all of my late payments from each credit bureau to be removed because from what i understood my loans are current. i feel like they are giving me the run around and i was not informed what was goes on about my account because they had the wrong information on me was not contacted. as of right now i have all the loans in a income based repayment and i guess consoliated too. Those late payments are stopping me from getting a house messing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Clarity Services
State: IL

Complaint narrative:
Unauthorized Inquiry on my credit report Clarity Services dated XXXX XXXX, 2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted TransUnion numerous of times about the following inquired on my report. 
1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX ( XX/XX/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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.

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 2017-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.

Company response to consumer: Closed with explanation