vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am a XXXX who has banked with Bank of America for more than20 years. In the last year the service charges for banking services that allretailers require have been increased anywhere from 20 % to 300 %. Thesare critical services like cash deposits, coin requests, check writing andcheck deposits, ACH activities etc. Our monthly bank fees, not includingcredit card fees have gone from approximately {$90.00} per store per year one year agto over {$160.00} per store per month this year

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a " Home Equity '' line of credit with Bank of America ( BofA ). THE ACCOUNT # IS : XXXX. 
I am XXXX years old and I 'm retiring. In order to reduce my monthly payments on this account, I went in person to BofA in downtown XXXX XXXX, CA and asked if I paid down my loan amount from about {$220000.00} to about {$120000.00} ( a payment of {$100000.00} ) would that reduce my monthly payment? I was told " yes '' and my new monthly payment would be about {$1000.00} a month instead of my usual monthly payment of about {$2300.00} per month. This is a big monthly reduction of my monthly payments since I 'm retiring. This transaction took place in XXXX, 2015. Now BofA will not reduce my monthly payment after I paid down this account by {$100000.00} in XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America said they sent me a form to fill out, a XXXX form. I never received this. Well, I tried to log in to my account to see if I had a balance, and it was blocked, so they told me I had to fill out this form, giving me instructions to go to the IRS website. I did, I filled it out, and I faxed it to them. So then I called customer service, and they did reinstate the account. They said I had to do this because they could n't verify my SS number. Well, I see that they did a hard hit to my credit report!!! They never said they were doing that ... if I knew that I would not have gone through this!! It 's terrible! I want them to take that off of my credit report, as I have an inquiry from them when I originally opened this 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 2015-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I received a document delivered by the Sheriff of the county I live in. I was not home and the document was attached to the front door of my residence. I immediately called the Sheriff once I got home and read the document. The document said I owed a debt and listed the dollar amount of the debt on the document. The sheriff and other unknown persons were able to see my personal financial information. The debt collection agency threatened to take my vehicle as payment if I did not call them immediately and set up a payment plan. The sheriff also called the debt collection agency and he was told too that they would take my vehicle as payment if I did not call and set up a payment plan. I began to have a XXXX XXXX and contacted my M.D. I was prescribed XXXX to control my XXXX and prevent me from XXXX. I began to suffer from XXXX the same night as the document was left on my front door ; I returned to my M.D. suffering from XXXX and prescribed XXXX. After I got myself healthy adn back on track I was able to stop taking the XXXX but I still suffer from XXXX as I look over my shoulder feeling as though someone is going to take my vehicle as I go into XXXX to pick up a few groceries. It 's an awful feeling and as I am unemployed but actively looking for employment ; a payment plan is impossible as I am living off of my savings after moving into my mother 's home unable to pay rent or live independently due to unemployment and lack of money. My vehicle is paid off but the debt collection agency said they put a hold on the VIN so I could not transer the title into another name ; the hold on the VIN makes it impossible to sell the vehicle and buy a cheaper vehicle in order to make a lttle profit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
Navient put me on a interest reduction program. Once I was put on the interest reduction program they would forgive my loans after 5 years. After a year I had to go through a whole financial statement again. That the 5 year forgiveness program was not true. Every time I talked to them they would send me over to someone that had no idea what was going on with my student loan. The notes that they had on their end was never correct and would never have the person I talked to last in my file. The last person I talked to was going to look into my account as to why the program I was on shows that the amount should of been less and I never have heard from anyone since. I 've asked to have forms sent to me to show what I have paid on my loans and I have not received anything yet. I am just paying for them and nothing is going down. The interest rate is crazy and it keeps getting higher. 

They call me about 5 times a day and one time I had a voicemail threaten me that I need to call them back or they would find me. That some something that a person that has gone to school for and trying to get a job should not have to go through. Graduating at the time i did and the economy crashed was very difficult. 
They are not easy people to talk to! When I called I was put on hold for about 45 minutes before someone was finally on the phone with me. They had to transfer me to 4 different department and tell them all my information again. 
I have been paying my loans for 4 years on this program and my credit is so bad. I have asked to see what I can do to fix my credit and no one was able to help me. I ca n't even go on with my life and buy a house because my credit is so bad. Going to college and further my education was suppose to help me in my future and I am failing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have attempted to contact Navient for years in disputing my student loans. All I receive is a email that states loan deferment or forbearance. I do not feel the money is owed. I was not properly advised of the facts that credits would not be recognized or transferable. I have advised Navient ( aka XXXX XXXX ) that I want to dispute the loans owed and I get nowhere. This is 14 years and interest accrued. I need to dispute the balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA has incorrectly reported the status of my mortgage, since XX/XX/XXXX, to the credit reporting agencies. A " DISPUTE '' dated XXXX/XXXX/XXXX was submitted to BANK OF AMERICA recently. BANK OF AMERICA letter, dated : XXXX XXXX, XXXX, with regard to my Mortgage Account No. : XXXX, stated : '' ... We 've completed a review of our records and have confirmed the information we provided to the CRA is accurate. '' Since their reply is not true, I wish to file a complaint against BANK OF AMERICA with the CFPB.

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 2016-12-05 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: MS

Complaint narrative:
I purchased a card on XXXX/XXXX/15 at XXXX 's XXXX in XXXX, XXXX . I was charged a {$4.00} fee for the card. I called to activate the card shortly after the purchase. I was charged an additional {$4.00} monthly service fee for the card. I was confused as to why I was being assessed {$9.00} for a card that I have not charged anything to for my benefit. This is an egregious charge that has been assessed to me. I requested a refund of my money which will take 10 business days. As a consumer, I do not understand how they can justify 2 charges for the same service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: USCB, Inc.
State: CA

Complaint narrative:
For some time now I have tried to find out I keep getting billed for a XXXX panel done XXXX/XXXX/15. XXXX denied the billing as not medically indicated. I have asked that the coding under which it was billed be checked to make sure it was correctly coded and the doctor be contacted to verify that she ordered the test as medically necessary. I have had many conversations about this by phone and email with the billing department and they assured me that it would be looked into and they would know more in XXXX weeks. Today I was surprised to receive in the mail a bill from a collection agency XXXX USCB America XXXX indicating that the account was turned over to them as delinquent. Seems to me that you are not treating me fairly as on one hand your are supposed to be addressing my concerns while on the other you go behind my back and treat the account as delinquent. Please note that I have complete insurance coverage with Medicare and Tricare for Life and usually do not have any medical payments as Tricare for Life pays any charges left after Medicare. I have been told that I signed a form indicating I would pay for the procedure if Medicare did n't, however the form also indicated thatthe estimated cost would be zero [ {$0.00} ] which was the only reason I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX my Paypal Prepaid card stop being able to transfer funds from my paypal to my prepaid card, it just says it is unable to complete the transaction, And today XX/XX/XXXX it is still in that same mode and getting the same error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX is trying to collect over {$1500.00} in debt when in fact I only owed them $ XXXX. I want this account removed from ALL my credit reports. XXXX. 

I have proof to show for it. 

Kindest regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I opened a line of credit with Huntington Bank. The account number I am referring to is # XXXX and it is attached to some land I own in Michigan. I asked the bank for statements a long time ago and never received them. I am currently selling the land and I asked for statements covering years XXXX through XXXX. I originally talked to XXXX there about these over a month ago. When I never received them, I called back and she said she put the wrong account number on the request. I again asked for these statements and the bank demanded {$900.00} for copies. I told them I needed to check some discrepancies on the loan amount. I plan to pay them off, but I need to go over these documents. I called to talk to XXXX 's manager, XXXX XXXX, but she was unavailable. XXXX said the bank is demanding payment for the copies or they will not supply them to us. I told them it is in their best interest to give us the copies so we can check them over, but they refused. I want to get this loan paid off but the bank will not work with me on this information. I am disputing the amount they have down of {$14000.00} for cash advances and {$7000.00} for purchases. I am trying to find out where these figures came from when I do n't remember authorizing these charges. A copy of these statements would help to clear this up, but I am a XXXX and can not afford to put out {$900.00} for copies. I have tried to work with this bank to get this resolved, but to not avail. I really need your help. I want to make sure the amount showing I owe is accurate. It seems too high since I have been paying for such a long period of time. You would think the bank would help me so I can resolve this and pay them. Again, please help because they will not budge for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
We have received a call from southwest credit asking for myself. I asked what it is regards to and all they said was it is a personal matter and we need to verify address. I am not going to verify anything to anyone unless I know what it is regarding, because of criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Netspend Corporation
State: WA

Complaint narrative:
On XXXX XXXX, 2016 I attempted to use my debit card to purchase gas for my car and it declined. When I called the debit card customer service line, they informed me that there was a fraudulent transaction for XXXX dollars and some change. I was then told that my card was indeed blocked and that I would be mailed out a new card in 2 business days. I also advised that my online account could not be unlocked until I received my new card. I then called back on XXXX to be transferred to the fraud department. At this time I was told that my card would be mailed in XXXX to 10 business days. I called again on XXXX to make sure my card was mailed out and to ask about automatic payments i have leaving my account. I was assured that my account was blocked and no one could charge my card. On XXXX when I called I was told again that my card would be mailed in XXXX to 10 business days. I was also told that my card had been charged the remaining balance to XXXX dollars fraudulently. I asked the representative how this happened as I was informed on XXXX that my account was blocked. The Rep. then transferred me to their fraud department to seek more information. I spoke with a gentlemen in the fraud department that then advised me that I was not the person my account stated I was. He stated that public information and my account states that I am a woman and that he did not believe I was who I had said I was. Again this is after I verified all the information that was asked of me several times and after I was given access to my online account after the bank blocked the account. The fraud representative asked me to verify my last XXXX digits to my cell phone and then he would call me back to make sure I was who I said I was. He hung the phone up and never called me back. I am now being told that I can not file a fraud claim on the over {$400.00} in fraudulent transactions that were made on my account because the bank refuse to acknowledge that I am the account holder even after I verified all the information needed to access my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
XXXX forged checks were written against my checking account. The checks were obvious forgeries ( easily spotted ) but were cashed at local branches of the same bank ( Huntington National Bank ) that held my account. The person who committed offense is a known person with a lengthy criminal background. The complaint was filed with my bank and a police report filed. The police detective ( who I have been in contact with ) has had no response from Huntington Bank. Information from Huntington Bank is needed to issue warrant and arrest the perpetrator of crime. I have been told by the police detective that it is very unusual that a bank will not cooperative in pursuing an arrest and conviction in a check fraud case. I was assured by Huntington Bank early on that they would pursue charges and I would be refunded the lost funds. Instead Huntington Bank ( to the best of my knowledge ) has done nothing to assist in investigating and apprehending suspect. Instead they are blaming me for the incident for not having better control of checkbook. As a ~40 year customer of this bank with multiple business and personal accounts over the years, I am very dissatisfied with the lack of integrity and negligence of Huntington National Bank .

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
In XX/XX/XXXX I purchased my first home with a mortgage from Huntington. The mortgage payment was roughly {$990.00}. XX/XX/XXXX Huntington informed me that my new mortgage payment was roughly going to be {$1300.00} a month for the next year and roughly {$1200.00} for the remaining 28 years on the mortgage. They stated to me that they had incorrectly calculated my taxes on the original mortgage document and that I was stuck with this new payment. I contacted a lawyer and was told that I was a victim of a " bait and switch '' loan. I was unable to make these payment and lost my house. This destroyed my credit in the process. Huntington never offered to help me in any way. They never rewrote my mortgage and I was never presented with documents showing how this was possible. I was only ever presented with a bill each month for this new amount. I was fortunate enough to sell my home in XX/XX/XXXX. I lost my life savings in the process paying back various fees and payments in order to avoid having a foreclosure mark on my credit score for the rest of my life. During this time I occupied the home and Huntington made multiple attempts to winterize my house while I lived there. They hired third party contractors to come to my home and inspect it while I was at work despite he fact that this was my only residence. Their customer service mocked and laughed at me on various occasions as I pledded for help bringing me to tears on multiple occasions. I became depressed to the point of contemplating suicide more than once. If not for the grace of God and Him having me meet my now wife during this crisis I would not be here to file this complaint.

Company response to consumer: Closed
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: Vital Solutions, Inc.
State: HI

Complaint narrative:
Vital Recovery had contacted me several weeks ago, outside the hours of XXXX and XXXX. At that time I advised them that although I have an XXXX phone number I actually live in Hawaii. I advised and confirmed with them my physical address, and advised them that I do not wish to receive calls outside the XXXX to XXXX window. Today XXXX/XXXX/2015 I received a phone call from them at XXXX XXXX XXXX Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Select Management Resources, LLC
State: PA

Complaint narrative:
I contacted Loan Max XX/XX/2016 to ask about a title loan. I was only looking for {$1200.00} and I asked the lady on the phone what the interest rate was and she proceeded to tell me it was 24 %. So I drove 45 minutes to get this loan and after I signed everything was then told that it is only a 60 day loan at an interest rate of 324 % APR. This is predatory lending at its best, this is a classic bait and switch get you in the store and tell you everything is great and easy and then proceed to " XXXX '' you of all your hard earned money. Even though I only make about {$1200.00} a month they still did n't care and went ahead with everything anyways.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OK

Complaint narrative:
I have several bank accounts at Huntington bank. I have an IRA that I am trying to transfer money from and put into my checking. I recently moved and there is no Huntington bank where I am and the bank is refusing to give me my money without me being present. They refuse to send me the form that I can sign and have notarized and sent back. I really need my funds and the bank will not release them to me. I have tried calling the bank 3 times and the bank employees keep hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: CA

Complaint narrative:
netSpend refused to activate pre-paid gift card, asked us to send them social security cards and marriage license in order to activate. This was all for a {$100.00} pre-paid card that was a gift. Froze account and refused to do anything unless we met their demands.

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