vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX, 2017 I called to place a stop payment on a check with Bank of America. On XXXX XXXX, 2017, I see the check posted, when I spoke with Bank of America customer service, they advised me that the stop was on my account correctly and XXXX XXXX put the check through a few times. The first time Bank of America stopped it but when the bank took out the check number it went through electronically and they can not do anything about that. First, I was never told over the phone or by the letter they sent to me about the stop payment did it say that if a bank puts the check through electronically it will still process. Second, when XXXX XXXX first put the check through and Bank of America stopped it then the same bank put the same amount, made out to the same person through a second time, they let it go through then. It seems very deceptive on Bank of America side, they should have stopped it for both.

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 2017-03-31 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Beyond all measures this company have failed to provide efficient proof that the debt owed was dispersed from XXXX, they uploaded documents of me asking to have unauthorized inquires removed and a fraud alert from XXXX, but fell to upload the affidavit that legitimize the allege debt. The original lender on the contract that I signed says XXXX, who denied giving me a loan. In the previous claim submitted to the CFPB Case number : XXXX by me. Lockhart, Morris, and Montgomery INC. came to the conclusion that XXXX supplied them with an affidavit signed by me, with XXXX as the original lender of the alleged loan. Since they will not send me the affidavit, I would like to see it uploaded to this website, as validation of debt. I REPEAT DO NOT MAIL AFFIDAVIT TO ME, UPLOAD IT TO THIS WEBSITE WITH YOUR RESPONSE. If they can not furnish such document. I want this debt removed from all credit bureaus. A copy of their response to the previous complaint have been uploaded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 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: CA

Complaint narrative:
To whom it may concern I written a complaint in the past in regards to Navient Case number : XXXX. I reached out to them again to see why my payments for the last 2 years have only been going to interest. Someone finally explained. I had interest i owed that i had no way of knowing about for XXXX. However Navient billed every month for the same amount. I was unaware of any unpaid or overdue interest i had to pay on top of my payment. I asked them how was i supposed to know this as i would have taken care of it. They told me that it was on my statement the send to my email. However they do not send statements to my email just payment notification of my upcoming payments that is due. On the email it tells me to login and view my statement. The instruction listed on the email does not apply to the site. I can not still find where you can view your actual statement. The gentlemen on the phone i talk to XX/XX/2017 XXXX states that the statement is attached to the email, which is not true as it give you instructions on how to get your statement, but that also is not true. I been paying interest to this company for the past 2 years. I was wondering why my balances was not going down. American Greed is real and this is sad, that people take advantage of you when you just trying to better your situation. The american dream feels like XXXX, the cost of freedom is high.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RJM ACQUISITION LLC
State: CO

Complaint narrative:
We have been making payments for a debt to a company called RJM Acquisitions. Today we received a call from XXXX XXXX, another debt collection agency, claiming they are the actual owners of the debt and that they are suing my husband for nonpayment. We now have to figure out who actually owns this debt and how we recover the fact that we have already paid a debt to a possible scam artist- all while being sued for this very old debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Fidelity National Financial, Inc
State: NY

Complaint narrative:
Title company Fidelity National Title Insurance/XXXX appointed by XXXX failed to provide clear title or inform me of title issues by the time I purchased my property XXXX NY XXXX. XXXX failed in it 's fuduciary responsibility to be a neutral party ( Trustee or Benficiary ) to inform me of changes made to legal title and what appears to be a ficticious forclosure or property abandonment whereby XXXX self assigned themselves to create a new mortgage lien. My property has a clouded title whereby it appears that XXXX entities XXXX has a lien and XXXX also had or has a lien. I have had no dealings with eithor of them, so it appears that these were somehow attached to my property in the XXXX County land and Court records.. This complaint is in relation to previous complaints I have made with CFPB on XXXX and XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I met with a financial counselor who checked my XXXX report and we noticed two debts, one with XXXX and one with Bank of America. I first went to XXXX and they dropped this fee and I was able to open an account there. I later went to Bank of America and decided to pay the debt that showed under " suspected fraud activity '' not because I did the fraud but because I wanted to clear that debt and open an account at XXXX. The date reported on the debt is XX/XX/2013 I was out of the country during this time as I was vacationing in XXXX, so it was impossible for me to deposit a fraudulent check in the account at this time. After I paid the debt with Bank of America I was under the impression that I was cleared and could open my account at XXXX, when I tried to I was denied and they said it was due to debt on my XXXX report. I called Bank of America multiple times to have this removed and they informed me that they will not be able to remove this from my report. I explained to them that I was away on vacation and sent them a dispute letter with my passport showing the vacation days as proof but still nothing was resolved. I then called Bank of America Check Fraud Claims department with my financial counselor, the representative told me that I should be able to open an account. She said to visit a branch and have a representative at the branch call the Check Fraud Claims department to have this cleared up. So when I went to the bank the representative called and informed me that I would not be able to have an account with Bank of America. I would like some help in clearing this from my XXXX in order for me to be able to open an account at 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 2016-06-13 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Mobiloans, LLC
State: TX

Complaint narrative:
I borrowed {$800.00} from XXXX payday loan company Mobiloans. I have paid back {$1100.00} and they say I still owe another {$1100.00} in interest charges. I have defaulted on the loan and been in contact with a supervisor about making some kind of deal with them and he was suppose to call me back and I have called every day XXXX4 times a day and he will not get on phone nor call me back, His name is XXXX he goes by XXXX around the office. I can verify I have been calling him daily. They are threatening to ruin my credit. I have paid back all the principal plus some, so what there saying I owe is all interest! I have offered to pay some of the interest. But they will not return my call instead just random workers call me several times daily demanding payment in full. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Collection Bureau of America ( CBA ) for CBA 's failure to provide requested information for the debt alleged. On XX/XX/2017 consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/2017 CBA sent a letter including the statements from the original creditor, XXXX. On XX/XX/2017, consumer sent another letter requesting the chain of title or proof of ownership for the debt alleged. On XX/XX/2017, CBA sent another letter claiming that they have no obligation to provide such information, and again, sent the statements. There was also a discrepancy in the billing amounts -- The billing statements provided add up to {$310.00}, but the debt alleged by CBA is {$470.00}. The extra charges are for " accrued interest '' ( {$61.00} ) and " Collection cost Owed '' ( {$68.00} ). Neither of these amounts were " expressly authorized by the agreement or authorized by law. '' CBA has not provided any documentation which shows that these charges are valid. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
i called bank of america XX/XX/2017 to make a phone payment on our credit card i was forwarded to a representative who asked me verification questions about my daughter-in-law i stopped him and told him i found that very intrusive and asked to speak to a supervisor 10 min later im still waitng is this for real i find it scary NOT HAPPY still waiting for rep

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 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
This is my second letter to the CFPB regarding the same issue with Bank of America. Bank of America purposefully, did not address the specific questions asked in my initial letter dated XX/XX/XXXX ; therefore, the issues remain unresolved. I need Bank of America to answer EACH of the following questions regarding the mortgage account # XXXX : 1. Why has BOA allow XXXX days to pass from the date they were eligible to proceed with judgement ( XX/XX/XXXX ) to the date the judgment was recently filed ( XX/XX/XXXX )? For what reason did BOA wait XXXX days to file the judgement? 
2.Why did BOA never respond to my written inquiry on XX/XX/XXXX ( mailed to XXXX FL, XXXX ). This is a violation on RESPA, and was never addressed. 
3. Why did BOA charge my mortgage account 19 times for the same property inspection fee on XX/XX/XXXX? This is a violation of FDCPA 15 U.S.C, 1692e ( 2 ) 4.On XX/XX/XXXX, Superior Court of Delaware issued a letter indicating they were going to dismiss the foreclosure case due to lack of judgment entered. Was BOA aware that this foreclosure case was about to be dismissed for lack of follow up with their vendor attorney? 
5. On what dates did BOA follow up with XXXX for a foreclosure case updated? List all dates. 
6. Did BOA receive a copy of the superior court letter from XX/XX/XXXX? 
7. For what reason did BOA file an amended foreclosure complaint on XX/XX/XXXX? 
8. Why was the correct mortgage rate not calculated per the loan agreement ( in the foreclosure complaint )? Your response indicated " your research has uncovered no reasonable factual basis to substantiate your claim ''. Allow me to clarify ; in the amended complaint, BOA charged all interest at a rate of 3 %, which was incorrect because a portion of the interest was at 2 % and another portion was to be at 3 % according to the terms of the HAMP modification. Additionally, your employee XXXX signed off on the affidavit asserting he had reviewed the account and the amounts calculated were factual. This is a violation of FDCPA 15 U.S.C, 1692e ( 2 ), UNFAIR PRACTICES, " the false representation of the character, amount or legal status of any debt '' and FDCPA 15 USC 1692f ( 1 ) " The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law '' 9. What date did BOA file and pay the required mortgage mediation fee? 
10. What exactly is BOA doing to expedite the foreclosure? Please provide detail, dates, etc. 
Please be advised this is my second request and I will continue to escalate this matter and write to the CFPB until each and every one of my questions is answered.

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 2017-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Hi, My name is XXXX, and I have about {$25000.00} in XXXX subsidized and {$28000.00} in XXXX unsubsidized loans from Navient. This was for my XXXX in which I graduated in 2010. I consolidated my loans with the Department of Education around the end of 2010, and I remember qualifying for an interest deduction of XXXX off my interest rate of 6.8 %. Then after the XXXX loan was transferred to Navient, they only list my old interest rate of 6.8 %. I asked them for the promissory note for my consolidation about 2 years ago, and they have failed to give it to me. I believe they may have lost it, and they are charging me a higher interest rate because they lost my promissory note. 

Please let me know what my options are to get my original consolidated promissory note with my reduced interest rate. Also, if they do not have documentation of my loan, what can I do about that? Can I discharge my debts? Please let me know. Thank you very much I appreciate your help and I think you guys are doing a great job! 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX. I paid and mailed the {$51.00} charge on XX/XX/XXXX. Target delayed processing the payment until 1 day after the due date and then submitted a late charge. I have subsequently sent XXXX letters to XXXX different Target address. No one has responded to any of these letters ( see attached ). Note that I have perfect credit with unlimited charging available on my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Debt Management Incorporated
State: RI

Complaint narrative:
After revoking permission on XX/XX/2017 with employee XXXX to call my cell phone, I received a call from another male employee on XX/XX/2017. When I stated to him I had revoked permission and I did n't want them calling my cell phone, the employee told me to " shut up '' and this was not going away. I then hung up, called the main office number and XXXX picked up. I told her I wanted to speak to someone because I had reviked permission for them to call my cell phone and she put me on hold and the same male who verbally abused me minutes earlier picked up in began to tell me again to shut up and he was going to file harassment charges on me for calling his office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Senex Services Corp.
State: VA

Complaint narrative:
At time of service XXXX/XXXX/XXXX double insurance coverage file as uninsured. Contacted hospital. Gave insurance information a second time as it was supplied at time of service. Instructed them to file XXXX primary XXXX secondary in XX/XX/XXXX.Thought it was resolved. Showed on credit report XXXX. Call debit collection who says it was filed as uninsured. And with optima health have to address with hospital.. Call XXXX Hospital of XXXX and XXXX County. They show filed with XXXX and XXXX withdrew payment.Should have been filed with both. Addressed in XXXX. No other bills sent. Showed up XXXX on credit. Contacted XXXX awaiting them to pull claim file. No opportunity supplied by hospital to correct in fact since no other bills received assumed resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Louisiana Recovery Services Inc.
State: TX

Complaint narrative:
I noticed that the mentioned collection agency was on my credit report. according to the u.s code 1618 the agency must provide, 1 a verification of debt and 2 a right to dispute. the agency must also submit to me in writing a notice of intent to report 30 days prior to reporting my personal information to any of the consumer reporting agencies. I have had no contact from the collection agency to verify debt ot to dispute the account. I have not been informed of who they are reporting for and the accurate amounts charged fore services ( if any ). the following is the law that was broken in regard to my personal information .U.S XXXX Code Title 15 Chapter 41 Subchapter III 1681c 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Streamline Recovery Inc
State: OH

Complaint narrative:
I received a call in regards to a payday loan that I had paid all principal back in 2013 in the amount of {$400.00}, this was from a tribal lender XXXX XXXX. At that time in 2013 I had contacted the lender directly as I found the loan and the interest was not allowed in Ohio, and paid the principal balance back to them. The number contacting me was XXXX Streamline Financial but when searched comes up as XXXX XXXX XXXX XXXX XXXX ( XXXX ) out of XXXX NY, I spoke with a XXXX and told him to mail me a letter in regards to this matter I would not speak to it over the phone for security reasons. He stated they are not a billing agency and could n't provide that to me. When I told him I would not discuss this matter further over the phone he threatened that he would be contact my relatives and place of employment until I did speak with them.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
On XXXX XXXX, 2014 I went to Herbies Auto Sales to look around but because none of their cars have prices on them, I went in to talk to a salesman. I told them I was a first-time buyer and did n't have much for down payment besides my vehicle trade in, which I got {$250.00} credit, toward a XXXX XXXX XXXX. I was n't told the price until I took a test drive and looked the vehicle over. Once that was done I sat at the dealers desk for a couple hours while he " consulted '' with his supervisor. I asked for a car fax and after some time I was told that the computers are slow but it was looking good. Still unsure, the head salesman came to talk to me and assured me I was getting a good vehicle and he would n't have that vehicle for much longer if I chose to sleep on it. Once I agreed it was all fast they had XXXX different people talk to me, the first was about the warranty, second for the GPS, Low-Jack, In-house insurance, and the consequences of missing a payment. I 'm pretty sure they were getting close to closing, because everyone was in a hurry to get everything signed. So, now I 'm sitting on a 4yr lease with the option to buy It after, for {$1300.00}. In total I would pay a little under {$18000.00} for the lease. I paid {$100.00} for the GPS. The truck has shut off on me twice, with loss of fuel, power steering, and eletrics. After 25-30 minutes the truck turns on with no issue and continued. The second time I had it towed to Herbies, by Herbies and was charged for the tow and told that the warrenty company would reimburse me. Not ony did I file the vehicle issue with the warrenty company but I was n't reimbursed. I was told that the Herbies mechanics looked over the truck and found nothing wrong with it but I could leave it with them so they could try and recreate the issue, but the miles put on the truck would also count against my warrenty miles. I 'm trying to come to a resolution where I do n't get charged 300 % XXXX value.

Company response to consumer: Closed with explanation