vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I am trying to repair my credit. I called XXXX XXXX. XXXX. Their phone number is XXXX, this is where I am being mislead and feel lied to. The recording states that you can pay by phone. I had changed my due date ( origional ) to the XXXX of the month. I received my first bill. I called to pay on XXXX/XXXX/15, thru my checking account. NOW I AM being told that there is a {$10.00} FEE to pay over the phone. They waived my first {$10.00} payment -- -I stated that the recording they play does not DEMAND ANY Mandatory FEE! Statement on phone says that you can pay {$10.00} -- IF YOU WANT your money 5 days earlier. I DO NOT!! I JUST WANTED TO PAY BY PHONE ON THE XXXX OF THE MONTH AND MY PAYMENT WOULD NOT BE LATE!!! OOOOOHHH NOOOO!!! XXXX states that if calling in by phone you will be charged {$10.00} even if you do not want your money available 5 days earlier. XXXX which I do not need ). 
I have asked to have my payment date changed back to its original date of XXXX or XXXX of the month. They will not change my payment date back -- -even though I EXPLAINED that their recording does NOT say MANDATORY {$10.00} charge to call in payments. I have closed my account due to the LIES and MISINFORMATION given initially -- -or I would not have accepted this card!! Their telephone number is XXXX, so that you may listen to recording -- -- LISTEN for mandatory payment of {$10.00}??? IT IS NOT THERE!!! They do not care ... I pay plus {$10.00} ... so my money is available 5 days earlier ... I do not want any money available 5 days earlier ... AND RECORDING DOES NOT STATE MANDATORY!!! Basically " too bad for you thats what it means. " -creditonebank-states! 
I am asking that you listen to the recording and check to see if you understand their recording and that you hear " MANDATORY '' ANYWHERE IN THAT MESSAGE??? I called them liars because that {$10.00} is NOT mandatory!! I also cancelled account because I DO NOT WANT TO TRY AND COPE WITH ANY LIARS!!! 
I feel they should write-off this account for the misinformation which started before I even received the card. I would NEVER have accepted this card if I had known they make up their own RULES as they go on. XXXX should XXXX BALANCE my account since it is all incorrect from the very BEGINNING!!! 
I have tried to change to later date but this is unacceptable to them and they will not change it back ... .continuing to tell me that the {$10.00} is a MANDATORY FEE!!! LIARS!!!!! Please listen to message and let me know how you feel?? I feel lied to and mislead, while my only intention is trying to improve my credit scores. -Customer service : XXXX. Misleading recording and information from agents ... .until trying to make my first payment -- IT IS A MANDATORY FEE!!! RECORDING SAYS NOOO SUCH THING!! 
I thank you in advance for any and all help you might be able to help me with this " mandatory '' problem!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I called the collection agency to make a payment. They refused to credit the account or even give me the collection amount unless I provided social security number. They identified the account and verified the information by address account number and name and still demanded a SSN. 

FCRA and SSA forbid the use of SSN as an identifier. The company and XXXX both refused to take payment without SSN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I was takin off my own bank account that I had before we were married. She was added I think as a joint holder lady at bank said she was the co owner. How XXXX does this even make sense? And she pulled all money out and it 's in negative because of this.

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 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I ordered a pair of boots from an online merchant which I never received. I followed up with the merchant many times and then realized it was a scam. I disputed with my bank, BOA, and they refunded me the total amount, {$150.00}. I was told by the associate that this happens a lot and it would be no problem. About a month later I received a letter from BOA saying that the transaction occurred more than 60 days ago so they would be reversing the refund. I was never told by the first associate that the date would be an issue. When I called in to inquire I was put on hold for 23 minutes and then told that there was nothing I could do that the money would be taken out of my account. The associate said, " we 're a bank and we like money, so if there 's anyway to keep the money we are going to ''. He had someone whispering to him in the background on what to say and was not very helpful. At the time the claim was filed, BOA knew it had been past 60 days since my original transaction and should be more upfront about the process. I feel like I am losing the {$150.00} all over again.

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 2016-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FM

Complaint narrative:
I used a Bank of America ATM on XXXX XXXX to make a deposit and a week later my debit card was used at a XXXX ATM approximately XXXX miles from my home. I notified Bank of America immediately that my card was in my possession as well as notifying them that I did not make the transaction. Throughout the process of the fraud claim I had representatives review my account history, notifying them that this debit card is only used possibly 1-2 times a month. My initial 2 attempts were denied for the fraud case. I 've worked in the banking/finance industry for over 7 years and am aware that ATM machines have been targeted for phishing or skimming attacks. The bank is claiming to do research and is holding me accountable for a balance inquiry fee, 2 ATM withdrawals and ATM fees that total to {$400.00}. Per my account history I only pay bills from the stated account and would not check my balance at a non bank ATM plus do multiple withdrawals that would cost me additional money. I initially sent my request to the XXXX and was referred to submit the inquiry here. I 've been scammed by someone or possibly the bank and as a consumer this seems to be advantageous for a bank and a nightmare for a customer.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Regarding your suit against Navient, after the death of my son XXXX XXXX, XXXX, I found he had been paying student loans for his late wife who died in XXXX, payments being billed by Navient. Her mother thought this strange and called XXXX University Loan Office where she was informed all loans were paid in full as of XXXX. The XXXX XXXX Loan Office indicated any loans were discharged with her death XXXX, XXXX. Navient would give her no satisfactory reply indicating they would only send information to the current address on record, which is my son 's address. I believe that the estate of my daughter-in-law and quite possibly those of other deceased students have been defrauded by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal Credit denied my application for an account because they said they could n't identify me. ( I have had a PayPal account for many years ) They used " public records '' from a company called XXXX. The questions were : Have you or anyone you 've known lived in the following cities ( them they gave me a list of XXXX cities ) the second question was for the exact street number of the house where I lived with my mother 37 years ago. There was a XXXX question also but I forget what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
A thief reproduced a copy of our Bank of America Mastercard/debit card and used it in multiple instances. On XX/XX/2016 the thief used the card at XXXX XXXX in XXXX, Georgia once for {$730.00}, then for {$380.00} the same day. The funds in the account were exhausted and the thief continued to attempt to use the card 8 more times unsuccessfully. Bank of America is claiming that this was not a case of fraud, implying that we did this ourselves. They are refusing to pay us back the amount of {$1100.00}. We obtained a police 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 monetary relief
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient is calling me almost daily regarding my XXXX yr old daughter 's student loan debt. She does not live with me but they are calling my mobile number ( even on Saturdays ) in spite of my requests not to be called and informing them she is not a household member. 
I refused to cosign for her XXXX XXXX loan and do not understand why they would provide her funds when she did not qualify on her own. 
Her father says he agreed to help her with a loan but does not recall signing an application and requested a copy of this. Navient states he did sign but copy has not been provided. 
He has explained to Navient reps she is not a househd member, is unemployed and only had part-time employment prior to this. He also reported he was a XXXX, but recently retired after having several bad crop years. 
Several months ago when questioned about household income, he disclosed to a Navient rep that I received retirement benefits. Since that time Navient is calling me. Can they call after I requested not to be contacted? Can they call me if I am not a cosigner? How did they obtain my mobile number? Called ID displays call originates from GA & has a XXXX area code-is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I filed a complaint with Bank of America concerning my payments not being correctly reported on my credit report. They sent me letter back saying the reason that it was not posted was because my credit was blocked. I called XXXX on XXXX and spoke with XXXX out of Texas call center and he informed me my credit was n't blocked, it was up to bank of america to post the payments and they did n't post any payments. I also requested my credit report from XXXX as well and it shows that all my payments up until XXXX were posted, with the correct amounts each month. How can bank of america post payments to XXXX agency and not all the agencies? I have confirmed from all XXXX credit agencies that my credit was not blocked, and had never been blocked.

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 2017-01-04 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: CT

Complaint narrative:
On XX/XX/XXXX I made an agreement with then XXXX XXXX ( now serviced through Navient ) to settle my loans through them for a total of {$17000.00}, I was told by the representative that in order to allow this settlement and to set up my automatic payments of $ XXXX/monthly, I needed to pay them {$5000.00} to be eligible. I paid them {$5000.00} XX/XX/XXXX. The settlement was that I was to pay $ 200 monthly until the {$12000.00} remaining balance was paid off. I made my final {$200.00} payment to Navient on XX/XX/XXXX. I verbally confirmed this with my 'account representative ' XXXX. I asked Navient 's account representatives to send me confirmations of my payments, bills, as well as a letter stating the terms of my settlement. I never received anything after multiple phone calls over the past five years. I logged into my account to see that my address information was erased, yet they require this information to be given every time I call. I contacted Navient XXXX/XXXX/XXXX and the representative I spoke with gave me a case # of XXXX, yet told me that her department does not handle payments and that I need to call back on XX/XX/XXXX to check the status, as well as, contact Navients " collections department '' after 45 days of my final payment ( which was XX/XX/XXXX ). XXXX/ Navient never updated my status to a settlement account from defaulted on my credit, therefore every month for the past almost 7 years, they are reporting my account as seriously as past due and that I have not made the required payments. I have never missed a payment since reaching this settlement agreement with them on XX/XX/XXXX. They have seriously negatively affected my credit and have hindered my life due to refusing to update my loan status. My loan is paid in full as of the XX/XX/XXXX payment and I would like for the settlement to be completed and shown as paid in full on my credit, as well as with a letter stating this from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I sent in extra escrow payment and they credited to extras principal but it was noted om ck and payment coupon

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Back in XXXX when I first purchased my current home, I had a 5 year ARM XXXX and XXXX XXXX. After the interest rates came down, I refinanced the fist loan in XXXX to a conventional 30 year loan at 5.153 % interest per the TILA attached. The payment was supposed to be {$2100.00} for 84 months beginning on XXXX/XXXX/XXXX and then subsequent payments of $ {$2000.00} for 276 months starting on XXXX/XXXX/XXXX. Bank of America is the bank behind this. Despite several requests to Bank of America to refinance the XXXX adjustable rate loan, my requests to refinance both loans into XXXX have gone ignored. Nobody at Bank of America has been willing to go to their investor and agree to refinance the loan. 

Now, working on my taxes for the year I decided to look at my TILA from XXXX and my current mortgage statement and as can be seen the payment is {$2100.00} which is nowhere near the {$2000.00} that I was supposed to have started paying back in XXXX of XXXX. Moreover doing a straight amortization, my balance should be {$320000.00} instead of the {$340000.00} balance shown on my XXXX XXXX, XXXX statement that I have also attached. So, essentially, there is {$17000.00} unaccounted for. And, upon questioning Bank of American to explain themselves for this discrepancy, again, my phone call hve gone unanswered and thus the reason I am coming to you for some assistance.

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 2015-05-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is about Checking account with Bank of America. We ( myself and wife ) have been using this account from past XXXX years to deposit salaries, pay for utility bills, credit card bills and lot of other day to day stuff. One day, without informing us they froze our accounts as they needed more information ( name, address, phone number etc ). Freezing of account occurred during XXXX week of the month - exactly when all BILLS and credit card payments were scheduled. Due to this unannounced freezing, none of our bills got paid and we end up incurring late payment fees and more importantly, affected our credit history. This action not only created payment delays but created lot of unnecessary stress to me and my wife and affected our outstanding credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Navient informed me that I can afford nearly {$150.00} more a month in payments. They stated that they gave me {$77000.00} and they do not need to offer any help to me. They demanded that I pay what they said or I will be sued. They threatened to sue me numerous times. 

XXXX University XXXX XXXX XXXX, XXXX, DE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
This was the best choice for my situation. I have a complaint against a company called Central Control Finance also know as Syndicated office systems which is a collection agency who collected on a debt of mines which was a medical bill I never received any notice of, not even from the hospital because it was sent to a different address than where I resided. I only found out about the debt when it was placed on my credit report and there was contact information to speak with someone. After speaking with someone I resolved the debt with no problem. I requested for it to be removed from my credit reports because I was never properly contacted by anyone about the debt. They told me I could submit a dispute and I did just that with all proper documentation to prove to them I did not live where they had ( they claim ) sent a notice of the debt. They denied my request even after providing proper evidence. This was about a year ago. I felt like it was unfair that I had to have something on my credit that I did not receive notice for and not given a chance to resolve something as little as {$150.00} that would follow me for 7yrs. I recently reached back out to them to resubmit my dispute because one of the reps there even said that she can see that I was never contacted my phone as well and suggest that I submit my request again by fax which she provided on XXXX XXXX, 2016. It was denied again even with proper documentation. I would like someone to please reach out to them to have this item removed from all XXXX of my credit reports so I can move on in life. I paid them and held myself accountable, so I would like them to hold themselves accountable for not providing me with a notice. After I had this issue I decided to research this company only to find out they had just been involved in a lawsuit because they were not properly notifying consumers of their debts that 's what led me to send this complaint because I figured if they had to be sued, they were not going to be any help to me since they had n't been to others in the past. Thanks for your prompt attention in this matter.

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 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX/XXXX/XX/XX/2015 A customer paid a bill at my repair shop in the amount of {$1200.00}. On XXXX/XXXX/XX/XX/XXXX the charge was reversed " taken from my account '' - {$1200.00}. I called Bank of America that day to inquire as to why. I was told that I was sent a letter to dispute the charges if I desired. I did not recieve any notification of any kind, e mail, letter or phone call regarding the potential charge back. I was told I had to pursue this issue with the customer. I have had no success with this. I did recieve a letter from the customers bank card company informing me that the dispute time had passed. I respectfully request that Bank of America return the {$1200.00} Immediately as I had no notice or opportunity to dispute the charge back. 
XXXX XXXX XXXX of XXXX XXXX Bank of America customer since XX/XX/XXXX. 
Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, Wa XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-06 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: AL

Complaint narrative:
The representatives get attitudes with you about your account especially if you are unable to pay at the time of the call. I think it 's illegal for the company to " search '' through names of people in the family when they are not on the reference list to contact harassing and getting attitudes with them. Even though they say they are willing to work with the customer, they are n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have had issues with my account balances with Bank Of America related to issues of reported Identity theft. This has caused my balances to be improperly doubled and as a result the accounts I possess are locked out. 
Attempts to contact Bank of America in writing to resolve this issue are fruitless and I would like this office to assist me in getting my accounts unlocked =and corrected so I can restart my business life over again

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed