vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Recovery Management
State: AL

Complaint narrative:
I have asked Fox Collection Center to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I was late on a payment in 2009, because the bill was sent to my XXXX address. I never missed a payment since that date. Navient avoided getting in touch with me and denied my request to have the old ( greater than 7 years ) blemish removed from my record. They were very hard to work with, changing the requirements to submit a request to review the situation twice during the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had bank of america and when I was trying to get a modfication they told me to stop paying my mortgage so I did cause they told me i was more likely to get it if I showed I couldt pay now they reported I was 17 payments behind on my mortgage which i was not and they refuse to take it off my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have contacted Bank of America NUMEROUS times about identity theft I was experiencing. Bank of America still refuses to cooperate and remove the fraudulent account from their systems and my credit report. I have submitted police reports, my identifying information, and proof of military service to them repeatedly. They keep claiming I am responsible for the credit card even after proving I was not even in the country. I was XXXX at the time the credit card was opened. Despite my diligent efforts, Bank of America refuses to remove the debt and ask the credit bureaus to remove the fraudulent account. Currently there is a balance owed of over XXXX on the card. I have spoken with managers and representatives with no resolution. My next step will be legal action through the necessary courts for a lawsuit.

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 2015-09-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Sometime in the last 2 years, Bank of America converted my checking account from XXXX that is free of charges to XXXX that requires a monthly minimum balance or certain amount of direct deposits each month to avoid a {$12.00} fee. In addition, Bank of America locked my ability to transfer funds into the account sometime in the last year. In XXXX of 2015, my balance failed to meet the minimum requirements and I was charged this {$12.00} fee. I raised the issue with BofA and noted that I could not transfer additional funds into the account and asked for the fee to be refunded. They responded that they would not refund the fee and I promptly transferred my remaining funds from the account and told BofA to close the account. After the transfer, BofA charged me an additional maintenance fee, which then overdrew the account resulting in an overdraft fee of {$35.00}. Now BofA has informed me they will not close my account until I pay them the fees that they have charged me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I recently notified my banking institution, Merrill Lynch, that my husband and I were traveling outside of the country and wanted to use our debit cards while traveling. The bank was courteous and notated the accounts of our impending travel. I was able to use my debit card while in XXXX and had a wonderful life-altering experience. Upon our return to the States, our accounts were frozen without any notice. We contacted the bank and were told a multitude of possible reasons by several representatives to include the following:1. I attempted to login to my account while XXXX2. My husband carried a negative {$17.00} balance on XXXX of his personal accounts that was not tied to my personal account3. Our accounts were XXXX XXXX Accounts and we were n't conducting any share purchases. 
Of note, we XXXX held our accounts with Merrill Lynch for over two years without issue. Ultimately, my issue is not the bank 's ability to terminate our banking relationship. My issue is that the bank has put a hold on my assets without any legal justification. I have been told by several Merrill Lynch Representatives that I can not access my funds until the Operations Team Lead, XXXX XXXX XXXX, lifts the hold on my account. In the interim, I have no access to my money. The hard-earned money that I got up and went to work for has been seized for more than forty-eight hours because a too big to fail financial institution arbitrarily decided to terminate our banking relationship. This situation has left me void of funds to file my taxes timely, pickup prescriptions XXXX and the like ; yet no one seems to feel this situation warrants immediate action. Additionally, any transactions that were due to hit my account will be returned. Again, no one sees an issue with this banking institution 's ability to bounce transactions in my name. Last I heard, XXXX XXXX XXXX 's name is not currently being dragged through the mud with a insufficient funds sign attached to it. I am utterly appalled and quite frankly disappointed that in this country, consumers can be treated in such a vile way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I moved to a different state and got a new phone number ( land line ). this company CBE has been calling ever since I moved in a month ago. I told them this is not the number of the person they are trying to reach, but they keep calling ( several weeks and many times a day ). They told me i had to call my phone carrier and tell them to update some number registry and that they would remove my number. The calls have not stopped, They called 7 times today ( auto dialer- XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America reduced my credit card limit, damaging my credit while I paid my out my amount in full and being a good payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: IL

Complaint narrative:
I tried requesting lower payments, on XXXX or XXXX of my loans, but was right away denied and told they do n't do that cause it 's a private loan. Also feels like I 've been paying forever with very little of my debt paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Almost a year ago I received a solicitation from Chase Bank to get their XXXX XXXX XXXX credit card. The reason I got the card was a feature where the cash rebate of generally 1 % was increased by 25 % if used to purchase travel. I accumulated about {$1800.00} in travel benefit. I checked on-line a few times and was able to use their on-line system to find hotels and flights, but did n't actually use it because the cost of particular hotels was higher than available through XXXX. Nine days ago I decided I should use the travel purchase feature. However, each time I tried to get on-line over a nine day period, I was unable to get to the travel purchase portion of the site. Each time I got a message saying the feature was temporarily unavailable to me. I talked to XXXX different individuals at Chase, and they were unable to help me access the travel reservation portion of their site. I would like for them to call me and allow me to make hotel reservations as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Dear Sirs at Chase Bank only - XXXX ONLY - NO XXXX Allowed. I speak with XXXX ONLY in XXXX, TX, I am not allowed speak with XXXX, period. 

I do not happy with Chase Bank - checking account opening new account. with my Coupon Code : XXXX, it was declined account. I felt Chase Bank discriminated against me cause of declined account. 

I am not like both of XXXX XXXX XXXX and Chase Bank turned me down that called discriminated addresses notified to U.S. Senators in serious matters.

Company response to consumer: Closed
Consumer complaint received 2016-06-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I began the mortgage process with Bank of America in XXXX 2016. I had been given a closing date for my house 3 separate times. The last two times I was told of a closing date, I did n't find out until the day before, and one even the day off. I was assured over and over that I would be closing. The bank lied to myself and my realtors about information they sent out to previous apartments I had lived in, saying they never heard back from them and that 's what the hold up was. I called both my old apartments, and they both said they did n't receive anything from the bank until 2 days before I was set to close, when the bank told me they had sent it out weeks before. They said that was the only thing holding the closing up, and yet days later I receive an electronic message saying they needed more information/paperwork from me. Every week they tell me they are all set with things they need, yet I keep receiving something new they need from me. Because of the bank and their horrible lying/slow process, I did not close on my home before XXXX XXXX, so now I will have to pay 30 percent more in my taxes. I call/email my mortgage person and his boss, and do not receive a response, they ignore me. Also I went with a program that requires only 3 percent down at closing, yet my closing costs are skyrocketing each time I get paperwork from them, and we are now far over 3 percent.

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 2015-09-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A business I had which closed back in 2007 had some debt to it, there is an account listed on my personal credit file which I disputed with no validation provided and the item is still there. I am asking your agency for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: MN

Complaint narrative:
My mother had XXXX and somehow because I was paying her bills they put the bill in my name. She had a XXXX and stopped watching TV and I can not get the installation documents from them or CBE who is arrogant and irrational. 

I tol d them this but they refuse to supply this. They sent me a list of charges after the acct was put in my name that proves nothjing. 

I want the imstallion receipt or want a decent settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
In XXXX XXXX, I disputed a XXXX Bill for payments made to the account that were not credited and for undefined charges designated as " other. '' I sent via fax proof that payment was made and that the balance XXXX claimed was due was incorrect. 
After many attempts to get XXXX to define the charges and correct the bill, my service was discontinued and I could not access my account in order to get bills and other information to dispute the charges, but do have several key bills that were disputed. 

I sent a Debt Verification Request that was never answered and offered to settle the account with the stipulation that there be no negative information be added to any credit report. 

On XXXX/XXXX/XXXX, I received a letter in the mail from " XXXX XXXX XXXX '' claiming to be collecting on behalf of XXXX. I assumed the payment would go to XXXX, but apparently it did not. 

I was not aware that XXXX sold the account without notice and while the amount owed was disputed before verifying the debt. I noticed on my credit report a new debt opened that I did not recognize named Amsher Collection Services. This is when I realized the payment I was led to think was going to XXXX, was in fact not. 

The amount reported to Amsher Collections was incorrect and over the disputed amount. 

I thought I was paying XXXX. The agreement was that all negative information be removed from all credit reporting agencies or any specialty credit/information agencies and it remains on my credit report. 

Apparently, there are others who have had similar experiences with both XXXX and Amsher.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: National Management Recovery Corp. (NMRC)
State: CA

Complaint narrative:
This company National Management Recovery Corp, ( www.nationalrecovery.net ) has been calling my office leaving messages on the general voice mail for all employees to hear, stating I am being investigated for fraud and to call them back? 
I sent XXXX certified letters to this company because there is XXXX address listed. Stating to send me in writing the debt and amount owed? Still this has not been done, they just call my office which I stated in the letter Can not be called, as my job will be at risk for these false accusations. 
I need help from someone to fight this illegal company? The number that they called from now is a VOIP number : XXXX there website list a different number. I am in a credit consolidation program and all creditors are being paid and addressed. This company will not tell me what the debt is or call me on my personal phone, only my office phone? 
I have done everything legally possible to find out what the debt is and to stop them from calling my place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: NY

Complaint narrative:
Selene finance has now stopped excepting our mortgage payment. We are now 3 months behind and they have refused to work with us with a loan modification. We attempted to make XXXX FULL payments and have been refused. Selene is now telling us that we can be foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Medical & Professional Collection Services, Inc. NC.
State: IN

Complaint narrative:
Debt was discharged in bankruptcy. New collection agency assumed the debt and is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: National Recovery Solutions, LLC
State: MO

Complaint narrative:
I spoke with XXXX of National Recovery service on the week of XX/XX/2016. National Recovery Service contacted the main office of my job instead of calling the extension that I placed on my application. I asked them to no longer contact me at any other number except for my personal cell phone number. On XX/XX/2016 XXXX from National Recovery Service contacted my husband at his job looking for me. I called XXXX back and reminded her that I requested that they not call me at any other number. XXXX told me it was in there system to not call any other number. XXXX told me " XXXX is your husband so I can call him ''. They are continuing to contact me even though I have instructed them to not call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC.
State: CO

Complaint narrative:
I received a message from the collection agency stating they were called XXXX XXXX Law firm saying that my name and phone number was involved in an invention and that my returned call was required to show that I was compliant. I called them bck and spoke with a man that sacked me if I was XXXX XXXX. I explained that I was. He than advised me he was trying to collect a debt for Check Into Cash. I tried to explain to him that I was willing to pay XXXX a month to pay off the debt he explained that he could n't take that amount that he could do XXXX with XXXX payments over 3 mos. I explained I could n't pay that I only make XXXX hour plus tips. He than advised me that he could n't do that and that he would forward my conversation to XXXX County court that I was unwilling to work on settling the debt at the very end of the call he advised he was recording the call and hung up. That same evening XXXX XXXX XXXX 2015. I received another call from the same number listened to the voicemail and it was just music. That next morning XXXX XXXX 2015 I received another call around XXXX, Spoke with a lady I explained to her that if she was recording the call that she needed to advise me at the beginning of the call not at the end as the man I spoke with the day before did n't do. She stated " I SEE YOUR a waste of time and I will forward this.to our process server and see you in court '', and hung up. I called them back and.spoke with another man advised him that I did n't appreciate the way they were representing XXXX XXXX themselves as a collection agency and that I was try I.g to resolve the debt at this point he advised me he was XXXX garnish my wages for the debt. the man would not let me.speak kept interrupting stating that he could n't hear what I was saying. The called ended. I do n't know if they are an attorney or a collection agency they disnt give me any information such as collection address or any other identification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ESCALLATE, LLC
State: OR

Complaint narrative:
I called on XX/XX/XXXX once I found out I had this collection. I asked for them to send me a copy of the collection, some sort of proof that I actually owe this and they will not send me anything. they wo n't tell me who the collection is from. I gave them my current address so they can send me what ever they have on file. They refused to send me anything. 

Escallate LLC acct # 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 2017-01-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
We have an auto loan and mortgage with Chase Bank. We got a home equity loan through our bank, XXXX XXXX. XXXX XXXX sent the auto loan payoff check for {$13000.00} which was received by Chase on XXXX/XXXX/2016. The check was made out to Chase Auto and included the auto loan account number. We waited about a month and when our loan was n't paid, we contacted XXXX to find out where our payment was. That 's when we discovered the check was posted to our mortgage loan, {$2400.00} to our monthly payment and {$11000.00} to the principle. The check processor hand wrote the mortgage account number on the check. We then called on Thur XXXX to have the payment transferred from mortgage to auto loan. During the call, we got disconnected. After calling back on Fri XXXX, they told us it would be transferred within 2 business days. We waited 4 business days and called back on Thur XXXX when it had n't transferred. They then told us they would correct the issue while we were on the phone. Today we called on Sat XXXX and they told us it would take until XXXX XXXX to have the payment applied to the auto loan but has already been removed from the mortgage account as a misapplied payment. Of course, this also means we have to continue making monthly payments until they resolve this issue and get the money transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ESCALLATE, LLC
State: OH

Complaint narrative:
Collection company is trying to add " accrued '' interest on my daughters account ( she is a XXXX ). This is not the first time they have try to add accrued interest on my accounts. I 'm sure I 'm not the only one that the company has done this too.

Company response to consumer: Closed with explanation