vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I purchased XXXX XXXX XXXX XX/XX/XXXX with a bank of America loan # XXXX. On XX/XX/XXXX the house caught on fire. After XXXX months of trying to get the contractor approved to build back the home ( after repeated attempts I even spent my own money trying to save my home ) Bank of American Had XXXX XXXX form XXXX ( XXXXXXXXXXXX ) call me to force me to sign over my property in Deed in luei or a short sale. I was not given the chance to build my home back and refinance with my credit union as planned. I have also contacted XXXXXXXXXXXX to join a lawsuit against bank of America for forcing foreclosure on me and keeping my insurance funds. I repeatedly contacted them regarding the XXXX they kept from the Insurance and after XXXX months the did transfer me $ XXXX and kept $ XXXX. After keeping the XXXX they also wrote the IRS that I own them XXXX in debt write off even though the XXXX documentation and there documentation stated they would forgive the balance entirely and no debt would be sought after me. I have called repeatedly and hired an attorney XXXX XXXX to get me back my XXXX that I am owned. This bank has repeatedly ignored me and my attorney even with a signed release that they can speak to him. I am begging this company to really investigate this thief and help me recoup my money so I can buy back a home for my family. This has been a XXXX year nightmare that needs to end. I would like my money. Please help I know I am not alone with this nightmare and can not afford legal fees with Bank of America refusing to respond accordingly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a Bank of America and had ID theft on my Checking with XXXX.
I immediately restored my account with Bank of America and submitted the police report and Affidavit of Fraud to let them know. Bank of America stated they would not change th information and that I did fraud against my self and they will keep the information no matter what was sent in for proof.. I was also helped by XXXX to freeze my credit reports and notify all business in question.

I am now not able to get another account because of what was written.
I still have my XXXX account but wanted to get another account for safety reason can you please address this issue as I have take all necessary steps to protect myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was issued a debit card from XXXX/Bank of America. Card was credited by XXXX in Michigan for approx {$990.00} on XX/XX/XXXX 2 times = approx {$2000.00} in credits. A charge for {$1800.00} was made to somewhere in the XXXX. Bank adjusted so all was ok. On XX/XX/XXXX ( after card was suspended ) called BOA , letting them know card was again credited another {$990.00}. Was to be taken care of and on XX/XX/XXXX those XXXX charges were reversed and now I owe over {$2700.00}! Bank refuses to handle situation so I can get MY {$240.00} out.

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 2017-01-19 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: OH

Complaint narrative:
Six years ago I contacted XXXX XXXX because I was struggling to make my payments and had fallen behind. I called into XXXX XXXX to discuss options for lowering my payments. I was informed that my only option was to sign up for forbarence and defer my loan for two years. This is not what I wanted to do because I want to actually pay this loan off, but no other option was given to me so I agreed. For two years I made interest only payments. It appeared that if I payed more to my account some principle was applied, however it did not seem to make sense as to why sometimes it was applied and other times it was not. 

Once I had passed through the two years of forbarence regular payments resumed, although now higher than before. I was pretty much in the same place I was two years before only now with a higher monthly payment. I tried to go along and make as many payments as I could but eventually ended up in the same place of falling behind. I called XXXX XXXX again and asked for options. This was around 2014. Forbarence again. Same deal as before. I just came out of that a few months ago. My payment is now, of course, even higher than before. 

Since I work for the XXXX I called and inquired about the loan forgiveness program. I already have 5 years of public service in so I thought this would be something to look into. I was told that this program would not work for me and the payments would be the same. So I continued to pay as long as I could until I was faced with the same situation again. 

I just called Navient a week ago and was put on a new repayment plan that will last for two years. It 's pretty much the same package as before but I am told that additional payments will be applied to the principle. I have yet to make a payment on this new plan yet. 

My largest issue with the past action on my account is the fact that I did not want to go into forbarence. I just wanted to lower my payment and continue to make progress on paying this amount off. All that happened was the can was kicked down the road and no progress was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
( All documents will be attached ) My Wife and I were discriminated by Chase bank, we applied for a loan with them seeing we had good standing ( XXXX ) bank accounts with Chase ; over $ 64XXXX in savings ( obtain in less that 3 1/2 years ) and great credit scores, plus a combined 12 years with the bank. In fact we got pre-approved and had final approval but weeks before the final close they denied our loan stating : * Excessive obligations in relation to eligible income * Temporary or irregular employment Which turn out to be a false reason, because we found another financial institution, and used the SAME financial information ( same people involved ; my wife and I ) As we did not want to lose the house we spent over a year looking for and that loan was approved with no issues, in fact we have been living in our new home for half a year now. And shortly after moving found out our loan was purchased by XXXX which also works with Chase Bank. meaning our information was complete and correct it was Chase 's sole decision to deny our loan based on false pretenses to cover for the discrimination against my wife who at the time was a US resident from XXXX, also the discrimination might have been fueled by her gender, we can not be sure but I am sure the denied loan was fueled by racism as I spoke with several loan officers and they had a distinct mocking tone after reviewing our information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I was injured in XX/XX/2016 an was unable to make some payments on this bill in person. I regular pay in person and have paid more then my bill due at times. With the help of my son to personally go and pay in person, he was always turned away due to he was not the person of the account. It does n't make since to me when someone is paying a bill. For some reason Chase are stating it is a law. I never heard of this before. Also when attempting to pay online all of a sudden the account was removed. Due to my injuries I was unable to talk directly to Chase ( XXXX ) but kept corresponding in e-mail with being only told that someone will get back to me. No responses, and would not allow people that tried to handle and pay the bill for me to process business. Now I 'm being told my car is out for reposition and I am highly concerned about this. Their practices is not right. And refusal of pay is not right. I faithfully with the help of my son when on leave attempted to pay this bill over and over. How could this be of good practice for a consumer. And paying someone 's bill is not an result in identity theft. There are many wrong practices within the banks itself. and it 's not the first time I have had someone to pay this bill for me. Previously it never been a problem. If they had not rejected the ill being paid on time. My account would be current as it had in the past but unfortunately I was injured badly and had someone to pay my bills. When did it become a law that you ca n't pay a bill. No one was making a withdrawal nor viewing personal info. Now I 'm being to surrender my car and that it is out for repossession or to pay XXXX in full. This just is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Current Case No : CFPB XXXX. Your agency contacted XXXX and XXXX ( phone XXXX ) responded by stopping the daily harassing phone calls and " approved the fraud claim ''. The unauthorized charges were reversed. However she states that she will continue to contact me by mail and bill me for " service fees ''. My credit score of XXXX dropped to XXXX when she reported the erroneous credit card charges to Equifax credit bureau as well as XXXX and XXXX. She is not willing to correct their mistakes. I contacted all of the credit bureaus as well as FCC. 
Equifax states that they can not change it without the cooperation of XXXX even though I sent them the apology letter and documentation of charges being reversed as theft. My bank ( XXXX ) alerted me to the credit report or I would have never known about the negative false report. Your help again would be appreciated. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
american express continues to submit false information to the credit bureaus. I filed a complaint with XXXX and they repaired my report plus denied American Express access. 
Now they are submitting false information as if I have active accounts which lowers my credit report. 
Due to illness, I could not pay them and was charged off in XX/XX/2012. They continue to manipulate my report resulting in a XXXX point spread between XXXX and XXXX. I could really use your help as I view thjis as fraud. They also tried to say I opened new active accounts which may or may not still be on report. At this time they show my account as active when it was written off XXXX years ago. Thank Your

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: OK

Complaint narrative:
RE : Account : XXXX XXXX - primary signer on car loan// XXXX XXXX co-signer on car loan CRPB Consumer Financial Protection Bureau : 1 ) Negative reporting notices sent to all XXXX credit bureaus 2 ) Inaccurate reporting on behalf of the Account : XXXX Santander Consumer USA informed the primary signer of the car loan that one of the methods of making car payments would be through XXXX Money transfers ( see attachment of XXXX Money transfer confirmation that payments were sent through their financial institution to Santander ). Santander in turn informs XXXX that they have " no records '' of " said payments '' even though there is a XXXX confirmation of payments from XXXX? It 's unbelievable that this continued to occur for three months? For the past two or more months monthly payments are now going through without a hitch thru " XXXX Money transfers '', ( Why is it that Santander can now receive noted payments from this entity now? ) Santander has reported to the major credit bureaus " 90 Day late status on this account '' UNBELIEVABLE and it is showing on my credit report that the account has been in late payment status for 90 days. 

XXXX has called numerous times trying to clear this issue up without success ... the incompetent company 's customer services representatives were calling XXXX about late payments/missed payments while her mother was XXXX in a skilled hospital ( numerous times ) and have called me numerous times while I 'm at work and can not receive calls during meetings ( this is unbelievable and I wished that I did not co-sign on this loan with this particular company ). 

I want this company to correct the wrong handling on this account by sending out a correction regarding incorrect reporting of missed/late payments ( 3 months of late/missed payments ) that is reflected on my credit report and on XXXX credit report. 

I would like for the CRPB Consumer Financial Protection Bureau to also look into this matter and respond back to me on their findings. 

XXXX XXXX, Oklahoma XXXX XXXX Copy : File CRPB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have XXXX bad things on Regions bank that just not right. I still and have always had an account there for years. They gave me a line of credit that with my auto deposit they took it out each month. I just do n't understand. I am in great standing with this bank Regions opens in XXXX tn. Please help me resolve this and get my credit up. Also my insurance paid the outstanding bills. Thank XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I had signed up for paypal unaware I was going to have a hard credit check. I just signed up for XXXX and see that they pulled my credit information without my knowledge or asking for my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc.
State: IN

Complaint narrative:
On or about XXXX/XXXX/2015 at, XXXX,XXXX,XXXX,XXXX and XXXX I received phone calls from the number XXXX. No vocie messages were left on my phone for a call back. On XXXX/XXXX/2015 I received XXXX phone calls XXXX at XXXX, and XXXX. The phone calls again were from XXXX. On XXXX/XXXX/2015 I decided to call the number back in which the phone operator identified themselves as Allianceone Inc. The phone operator had told me that it was regarding a XXXX Credit Card. I then responded to the operator about receiving debt verification before I was going to disclose any personal information. On XXXX XXXX 2015 I sent allianceone Inc an email requested debt verification, followed with another email dated XXXX XXXX 2015 with no response. On XXXX/XXXX/2015 I sent a demand for debt verification to listed fax number at XXXX. As of XXXX XXXX 2015 I have not received any type of debt verification or communication from this debt company regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Got a mortgage through Quicken Loans - final paperwork was handled through XXXX in XXXX, MI. Mortgage closed on XXXX XXXX, 2016. Mortgage consolidated XXXX loans : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX installment loan and XXXX XXXX car loan. I assumed that when these things were being consolidated into XXXX new loan that the other debts would be paid off - that is how we did things when I worked at a bank in the XXXX. I was disappointed when the credit card was not fully paid and I still had a fairly large interest payment to make on it. But when I found out today ( because I see the balance on my XXXX account ) that the XXXX XXXX XXXX XXXX Installment loan was not paid in full - which explains why I continue seeing them on the Declaration Page of my auto insurance I 'm annoyed. When I talk to XXXX XXXX XXXX XXXX they tell me that I not only still owe {$330.00} on the loan with them but now accrued interest - I do n't think I should be liable. I find XXXX XXXX XXXX XXXX remiss/unethical/slimy because they could have informed me when the loan was attempted to be paid off that it did n't quite do the trick and allow me to pay it off before interest accrued. They have had no contact with me about this underpayment at all! But what really bothers me is that Quicken Loans made an underpayment in the first place. I remember getting loan payoffs and the payoff was good through a certain date and each day after you would add a little on - so we always had accurate payoffs. When I mentioned this to Quicken Loans and XXXX XXXX - both told me they do n't do that except for a mortgage payoff. They just ballpark the number based on what is on the credit report they ran. They told me that we were likely told this was the case. I can only say if someone told me they were ballparking the number - I would have called and gotten payoffs myself - rather than having continued to accrue interest on accounts I thought were paid out. I 'm not sure if this is an illegal practice - or just a shady practice that shows these places do n't care at all about their customers. So I 'm sending my complaint to you so I can find out. Honestly - are all banks shady???? Both XXXX XXXX XXXX XXXX and Quicken Loans have shown me they are!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 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: Focus Holding Company
State: TN

Complaint narrative:
Debt was to XXXX XXXX and we had paid the bill. This XXXX called and demanded that I pay them that XXXX did n't have my account now. Continued pressuring me. I asked for them to send a bill for conformation and she refused. I told her she needed to contact their client and she said that I had to prove I paid it. Very rude and disrespectful. I want all communication to cease and ALL derogatory info off my CR. I am seeking an attorney to file a law suite in TN for their unlawful collection attempt. Several of the laws have been broken for TN collection services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I would like to inform you that XXXX XXXX XXXX went to court and filed a civil suit and got an Abstract Judgment behind my back without sending me any affidavit or letters before and after court. I found out about this judgment on my credit report a few days ago and was shock to find out that the XXXX account that XXXX sued me for is paid and closed since XXXX, 2008, almost XXXX years ago. I never receive any notification about court neither in person nor in writing and they do that deliberately by not advising customers about court case so that way they could fool the judge with their scam and win the case when the case when there are no defendants present and that is fraud filing false civil cases against customers who have a {$0.00} balance on their account. I never take out any revolving accounts once they are closed so any revolving charges are fraudulent and done by someone who has access to my personal information. Please investigate XXXX XXXX because I do not believe they are legitimate or their practices are wrong and misrepresentation. They deliberately file cases behind customers back or not notifying customers about court hearing so they can bribe the judge and win without proof of account transferred to them or they bought it but still never send me a judgment after court either. They are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: LOAN TO LEARN
State: GA

Complaint narrative:
I HAVE A PRIVATE STUDENT LOAN AND I AM HAVING A VERY HARD TIME TRYING TO REPAY IT I HAVE NO JOB MY BOY FRIEND ARE AGREEING TO PAY IT BUT HE,S TRYING TO GET THEM TO LET ME STAR PAY IN XX/XX/XXXX THE SGREED AMOUNT  OF XXXX BUT THEY TOLD ME I HAVE TO BE AT A DEPOSITION ON XX/XX/XXXX IN XXXX GA BUT I CAN,T GET THEIR AND I DO NOT HAVE MONEY FOR A LAWYER AT THIS TIME .THEY WANT ME TO COME UP WITH A XXXX DOLLARS THAT I DON,T HAVE TRYING TO GET XXXX  I AM RAISING MY TO GRAND KIDS AND I NEEDS A BALANCE ON MY LOAN I THINK THE BALANCE ARE WRONG AND THEY WILL NOT GIVE ME A BALANC WHEN I KEEP ASKING FOR ONE I PAID A XXXX ON IT BUT THEY WANT GIVE ME MY BALANCE I THINK THE BALANCE ARE WRONG AND WANT TO KNOW CAN IT BE DECREASED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica
State: MI

Complaint narrative:
I had a fledgling company take money off my Direct Express Card that was not authorized. Direct Express told me I would receive a provisional credit on the 10th business day I am having a hard time getting that credit was an emergency I have no heat in my home. I was told the day I file the credit I would be eligible and I would receive a provisional Credit Now the story is being changed and being told that it is not guaranteed I get hung up on I get very rude service I have contacted the XXXX the FTC the cfpb the Secret Service Agency for fraud the Social Security Administration direct express and Comerica. Please push it along so that Direct Express has to refund this money that is supposed to be fdic-insured thank you

Company response to consumer: Closed with explanation