vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Without proper notifications Bank of America started a maintenance fee on my account. 

I was going to close this account but then the customer service told me that keep you account open we will give you account for free - or without a fee.

Starting last few months Bank of America started charging me fee for the same. Before charging the fee they did not even inform me of the fee is is coming with proper ways.

This shows tactics Bank of America is employing to increase their revenues by improper ways.

I want Bank of America to fully refund my fee and close my account. I would have close this account as I dont use it anymore. My balance was only {$4.00} and not its XXXX   due to fee.

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 2018-05-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Control Technology, Inc.
State: WI

Complaint narrative:
Company began garnishing my wages without providing sufficient proof that I owed the debt. When I called to begin a payment plan they said I owed them {$9900.00}, which is more then the {$8000.00} that they have submitted to credit agencies. It is also suspiciously just under the {$10000.00} point that needs to be documented and reported to the government.

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 2018-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: UT

Complaint narrative:
The account was charged off of with XXXX XXXX  in XX/XX/XXXX. I had been working with a debt consolidation company, XXXX XXXX XXXX, to settle the account. XXXX XXXX claims that they had contacted XXXX XXXX XXXX multiple time to workout a settlement agreement and received no response. I am no longer working with XXXX XXXX XXXX and they are currently under investigation.

Upon contacting XXXX XXXX on XX/XX/XXXX, I was informed that after the charge off date daily interest was still accruing. I was also told that when the loan was originally taken out the amount was {$5400.00}. The representative told me a total of {$870.00} had been paid on the loan. XXXX XXXX   told me they charged off the account for {$7400.00}. Currently the balance on the loan is {$16000.00}. Therefore, since the last payment on the account, they told me I had been charged {$12000.00} in interest.

In addition, after review of my credit report it shows the charge off balance as {$5300.00}. The last balance on the account was {$2000.00}. The credit report also shows that the account was charged off inXX/XX/XXXX. At this time I feel that the company is defrauding me of thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CT

Complaint narrative:
I received an email on XX/XX/XXXX that my card was closed due to a review of my account. I was told that my card was being closed due to delinquent activity ( from XX/XX/XXXX which was a card I never opened in the first place ) and a high credit utilization for my overall credit. I opened this card in XX/XX/XXXX after the " delinquent activity '' took place. I also had a higher credit utilization when I applied for the card then what I have now. I do not understand why it was ok for me to be approved, but now I receive a review ( which I did not ask for in any capacity ) in a better situation then when I applied and I all of a sudden lose my account. This is extremely unfair and frustrating. Now, my overall credit utilization will be a higher percentage and will lower my credit score. I also have never missed a payment and by the end of every month I have a XXXX  balance on the card. I tried to call to reopen my card and was told that it was closed and there is nothing that can be done, however, I can apply for a new card. How they can even recommend that is absurd to me as they just closed my account for " credit reasons ''. Miserable and unfair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
OnXX/XX/XXXX I was told that to obtain a 2nd mortgage on my home I needed a letter of retirement for the title of our double wide mobile home. I called Huntington Bank that was listed on our mortgage and was told they didnt have access to mortgage paperwork. I was given Huntington Customer service number XXXX  to request the letter and was told that he would submit my request and we would receive it in the mail. I waited a week and called again to see if they had located the letter and was told that it is still being processed. While waiting I ask a friend who is an attorney to see if he knew how to obtain the letter of retirerment and he requested it through the state of representatives office. My attorney said that the title was never retired. I was advised to contact Huntington Bank again because they had done a refinance for us in XX/XX/XXXX so they should have the title and they could retire it and get us the letter. I have been going back and forth with Huntington and they say they dont require this letter when they do a mobile home loan, they tell us they dont have the titles and that it is our responsibility to get them. Because of Huntington Bank refusing to help us or listen to us we can not get a 2nd mortgage, we can not sell our house or even make arrangements to go into a nursing home because all the Banks and Credit Unions we have spoken to explain to us that without this Letter of Retirement they can not give us a loan. Please help us, my husband is XXXX and I am XXXX and not in good health. This stress is hard on us. I spoke to XXXX XXXX and they verified the titles were never retirered and that they are in the name of XXXX XXXX that is now Huntington Bank. I was given the form ( MV38L ) needed to get duplicate titles so I can have them retired but XXXX XXXX will not issue them to me because we have a lien on it through Huntington Bank. I spoke to XXXX XXXX in the Executive office who said they do not need the titles so it is up to me to get them. Huntington Bank also put Riders on our mortgage that do not in any way pertain to our property. They added a PUD rider and a Condo rider. I asked about that and they said they would see about taking them off because that would just cause questions if we are ever able to sell our home. I was told I would of paid for those but I am unskilled at finding that out. My last conversation with XXXX  was today and she told me that I had to contact XXXX XXXX at XXXX XXXX XXXX  ( XXXX to see if they can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I see multiple duplicate inquiries on my credit report, Transunion will not advise on how to fix the problem. Please remove the multiple credit inquiries on the same days XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Thank you, and again, this is Transunion issue

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 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted to Freedom Mortgage a Notice of Appraised Value from the XXXX County appraisal District. to notify them of the tax value increase from the prior year. This home was a new construction and had not yet been taxed on the improvements. I sent the document in in order for Freedom Mortgage to do an escrow analysis and increase my payments so I would not be short in the escrow account at the end of the year. I wanted to make a payment to bring the shortage current and then have my payments adjusted higher in order to get to what the payments should be. However they refused to adjust my payments this was found out by a phone call on XX/XX/XXXX. I called since I had not received documentation on the outcome of the escrow analysis only to find out that they were refusing to re-evaluate my payment. I want to get this correct so it does not financially impact my family negatively. I know the account is short and I know my payments are too low, I do not want them to increase the payment by {$1000.00} at the start of next year because they refused to do the escrow analysis this year. It would be a great burden on my family and we would have to sell the home.

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 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
on XX/XX/XXXX a hold was placed on my account for XXXX i immediately contacted bank of america when i noticed the hold on my account i was transfer to a financial investigator who told me there was no information and he would contact me back in about a hour which he did when we spoke he said i had received a electronic transfer for {$150.00} and the person that sent me the transfer claimed they didn't receive the item from me which they did the financial investigator told me i had two claims against me one for {$150.00} and one for {$550.00} which i later found was a lie there was only one claim against me for {$150.00} but i continued to call him throughout that day because i honestly didn't understand what was going on he let me know that i was basically annoying him and for me to stop calling and he would contact me on XX/XX/XXXX which is today and i have heard nothing from him nor have i heard anything from the bank so this was my next option because i am fed up

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 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: URS Holding, LLC
State: CA

Complaint narrative:
I have been a long time Customer with XXXX. I have their store credit card XXXX account # XXXX XXXX. Last year I suddenly received a debit collection call and got called at my job in a XX/XX/2017. The call caught me off guard and honestly I was very embarrassed to get the call at my job. The person on the phone was extremely rude and aggressive with the call the purpose. They harassed me over the phone to make a payment option so i did. I told them I had NO idea I was late on my XXXX payment so to know I am in collections is a shock. The person couldnt careless they went on with their written script and put me on a payment plan. Since then Ive tried to call XXXX ( XXXX ) and have been told my account is no longer with them. The repsentative referred me to XXXX creditor telling me that XXXX was the creditor for XXXX. I called the number provided by the rep ( XXXX ) and it routes me back to the debit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
In summary, I have had XXXX XXXX auto and life insurance policy for several years. They wrongfully canceled my auto policy based on inaccurate information they collected and following the IRMA related claim without notification. They refused to correct and reinstate auto policy after several discussions.

As a customer in good standing and none of the claims were at fault, not only did the XXXX XXXX failed to provide advanced notification and refused to provide information at my request on my online account, the reported the history of claims is compromising my obtaining another policy. This appear to be a disruptive deceptive business action that is also threatening to suspend my driver license regardless of my safe driving record.

Further, it is within law to file claims in legitimate accidents or events. It is insurer obligation to honor the policy and it's their obligation to pay on claims based on their policy, such as mine where I paid for several years to have XXXX limits and uninsured motorists coverage. The consumers should NOT be penalized or discriminated for following regular process of filing claims or requesting road assistance, and particularly related to natural disasters.

If States enforce that all citizens to obtain insurance coverage which I have had continuously for many years and have been as safe driver, it is our right to have enforcement the fairness and legitimacy of Insurance companies processes in handling those coverages. There have to be limitations on arbitrary policy cancelations for long standing customers.

Please note, they didn't drop my other policy on Life Coverage. Following the same logic, they would collect the premiums and cancel when it's time to pay.

Additionally, I question how many other Floridians lost their policies right after Irma related claims with XXXX XXXX or likewise unethical carriers.

State agency has NOT provided any help in correcting this action.

XXXX XXXX   <XXXX> Re : [ SR # :XXXX ] LexusNexis also failed to take action and make appropriate corrections on compromising records that are threatening to suspend my driver license.

Product : XXXX XXXX Claims Bundle Report Confirmation Number : XXXX Order Date : XX/XX/XXXX  XXXX XXXX  Other insurance companies, namely XXXX, XXXX XXXX and XXXX refused coverage XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimComprehensive XX/XX/XXXX ClaimTowing And Labor XX/XX/XXXX ClaimAccident resulted in injury to myself XX/XX/XXXX ClaimNon Chargeable - No Payment Made

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I received delinquency notices for my account, however, I have been paying over the amount required of me. To submit a payment I click on their custom pay option, enter the amount I would like to pay, select all loans, then select direct over-payment to highest interest rate loans. My monthly payment due according to my monthly statement ( attached ) is {$860.00}. I have been paying {$1000.00} ( {$500.00} biweekly ) since XX/XX/. Before that I was paying {$1800.00} per month ( see attached payment history ). I should not have a past due amount. 

I spoke with customer service on XX/XX/ and they informed me that they would send my account to be reviewed for possible issues. I explained that if I am submitting my payment incorrectly please let me know and I will fix it. I was told that I am doing it correctly. They also told me they should be able to apply over-payment from some of my loans to cover the past due amount. 

I called again on XX/XX/ and was told that the past due amount is correct and that I have been under paying on my loans. I explained everything once again and was told that my end of the account is not showing a past due amount so there would actually be no way for me to know that there was money owed by looking at my account. I was also told that I am submitting the payment correctly and that they will have my account reviewed. 

I am submitting this complaint because I am not confident that I can rely solely on Navient to do the review and fix the issue. I want a record of the complaint and any assistance I can get. I wanted to avoid filing a complaint but Navient has been unable to help thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I AM FILING A COMPLAINT AGAINST MY MORTGAGE COMPANY SPECILIZED LOAN SERVICES BASE IN XXXX, I LOST MY SOCIAL SECURITY FOR A 3 MONTH PERIOD INXX/XX/XXXX -XX/XX/XXXX AND I TOLD SPECIALIZED LOAN SERVICES THIS WHEN IT WAS HAPPENING AND I WAS TOLD WHEN YOU GET YOUR INCOME BACK JUST SEND US WHAT YOU OWE US TO GET BACK ON TRACK, SO I DID IN XX/XX/XXXX I SENT THEM A CHECK FOR THE 4 MONTHS AND ABOUT MID XX/XX/XXXX THEY SENT ME A LETTER AND A MY CHECK BACK STATING THEY ARENT ACCEPTING THIS CHECK AS IT IS PAST 90 DAYS AND MY LOAN IS IN DEFAULT. IN XX/XX/XXXX I GET A LEGAL PAPERS STATING BC OF THE DEFAULT THEY ARE STARTING FORCLOSURE PRECEEDINGS, I IMMEDIATELY GET AN ATTORNEY AND HE BEEN TRYING TO TELL THEM THAT I HAVE THE INCOME TO SUPPORT THE HOME AND I WANT TO STAY IN HOME, AND BECAUSE THE MORTGAGE COMPANY AND THE COURT ARE DRAGGING THERE FEET, I NOW OWE {$73000.00} IN ARREERS AND MY ATTORNEY HAS LEFT NUMEROUS MESSAGES FOR THE MORTGAGE COMPANY TO PUT THE AREERS ON END OF LOAN AS A BALLOON AND THE MORTGAGE COMPANY REFUSES TO CO-OPERATE OR EVEN GIVE ATTORNEY A PHONE CALL OR NOTHING THEY REFUSE TO MOTIFY THIS LOAN OR EVEN NEGOTIATE THIS LOAN, AND I HAVE NO OTHER WAY BUT BANKRUPTCY AT THIS POINT WHICH I DONT WANT TO DO.I AM ON XXXX CANT WORK, AND THE SPECIALIZED LOAN SERVICES REFUSE TO NEGOTIATE WITH MY ATTORNEY.

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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report and found a few errors. I need all these addresses removed from my file/report they are not mines. Please send me a copy of my of my Risk View Disclosure report for my own review.

My name is XXXX XXXX XXXX my current Employer is XXXX XXXX XXXX my current address is : XXXX XXXX XXXX XXXX XXXX  XXXX Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX  are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud

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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX  and XXXX XXXX XXXX are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud

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 2018-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud

Company response to consumer: Closed with explanation