vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have been a valued and loyal customer of American Express Platinum Card since XX/XX/XXXX. Beginning on XX/XX/XXXX at XXXX, in a recorded call w/a male member of the American Express Credit division, I was harassed and a large unauthorized payment was direct debited out of my business checking account. At XXXX, XX/XX/XXXX, I made a follow-up call to the credit department. This time, the man I spoke with was very apologetic, said that he had started a review of the situation and that I would hear back from a supervisor within 48 hours. I never received a call back from the supervisor. The following week I called back several times. Finally I was given the direct line of a supervisor who said we would have a call on Tues. XX/XX/XXXX at XXXX EST to review 8 months of my Am Ex statements which reflect every month inaccurate payments which I made throughout from XX/XX/XXXX-XX/XX/XXXX. I have statements from the bank documenting exactly what was direct debited from Am Ex out of my business checking account. To date, Am Ex has inaccurately posted my payments direct debited from my business account. The supervisor, XXXX XXXX at phone : XXXX, never called and never returned my calls. I called XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I made a payment to Am Ex on XX/XX/XXXX, of {$16000.00}, direct debited from my business XXXX account. I have an outstanding balance, which I have repeatedly said I am interested in paying in full, both in speaking with Am Ex credit operators directly in live calls ; and repeatedly, in my messages to XXXX XXXX XXXX message. My records show that I am being overcharged by Am Ex by at least {$3000.00}. When I call and speak w/any one directly at the Credit Department, I am assured that I will receive a call back from a supervisor within 48 hours. This has never happened. As of, XX/XX/XXXX, I have repeatedly said that I want to pay my balance in full and get out of the extended payment plan where I am being charged 18 % on the ongoing balance ... and our records need to agree as to how much I have already in fact paid through direct debit of my business account. Please help! No matter how many times I 've called and tried to resolve this situation, I have received no assistance from Am Ex. Since XX/XX/XXXX, I have only had very supportive excellent service with American Express. This experience that has now been ongoing since XX/XX/XXXX is very, very distressing and disturbing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sullivan Asset Management, LLC
State: MO

Complaint narrative:
Over 5 years ago, I took out a payday loan that was paid off. I do not have records of this transacation anymore and this has popped up all of a sudden and now this company calls me, my family daily. Honestly I feel this is harassment and I ask them to send me something in writing that shows I didnt pay and they can not. They have no proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America has offered an XXXX Rewards XXXX for many years. We had accrued many XXXX dollars worth of points that we typically redeem near XXXX time to purchase restaurant pre-pay cards that we use as gifts. I learned today when I went to their web site that Bank of America unilaterally cancelled the program and eliminated my points. They also failed to provide information on how many points they took from me so I do n't have a total value. When I contacted them, they said they had mailed me notices, but I do not recall receiving that mail. They contend that since they told me the theft was going to occur in advance, that the theft was legitimate. I received nothing of value for the points I had accrued in return for their decision to cancel the program. I consider this fraud and an act of bad faith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On my XXXX credit card statement from XXXX XXXX XXXX, I had a balance due of {$7700.00}. I paid this balance in full on XXXX XXXX. On XXXX XXXX, without any notice or warning to me, XXXX XXXX XXXX withdrew an additional {$7700.00} from my personal checking account. I asked them to refund the money and their initial response to me was that they would issue a refund in 5 -7 days. I contacted them today, as the seven days were up, and they said it could be another seven days before a decision is made to refund me my money. They said this was because the refund was over {$7500.00}. I told them this was creating a financial hardship, and that they had no right to make the withdrawal from my checking account as no payment was due. Their response was, we are sorry, but they have a policy. I asked to see the policy, and they refused to do so. I have never had such treatment from a major financial institution. It was their error, they acknowledge that. They should be refunding the funds promptly. 

No one at XXXX XXXX XXXX has expressed any doubt that I am due a refund. They are just holding my money, and not keeping their promises as to when they will give it back to me.

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 2016-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
When I was about XXXX I enrolled to go to XXXX College in XXXX, Utah. I was in a " XXXX '' ( XXXX ) program under the impression that after a month I would be moved to a XXXX program, this never happened. I did graduate but they never gave me a diploma. I now owe Navient {$33000.00} for a 20 month XXXX degree. I also owe XXXX College another {$8000.00} for a private student loan that is accruing interest at a rate of about {$70.00} a month. XXXX college also told me I would be making around {$XXXX} a year and it was not wise to pursue education at a XXXX college because it would take too long. Obviously that did/is not happen. I believe I have been a victim of a predatory loan. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America checking account was subjected to multiple overdraft charges. This seems to have been caused by the Bank applying the transactions in a manner that maximized the number of transactions subject to an overdraft fee. In addition, while the default display of transactions shows the " statement balance '', the bank maintains a separate " account balance '' that apparently can trigger fees even when the statement balance is showing a positive balance. This seems misleading at best and deceitful at worst.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for an XXXX XXXX Visa Signature Card with Bank of America. The offer was for XXXX XXXX Miles and a {$100.00} statement credit after spending {$1000.00} on the card. 

However, after applying, my account was sent to 'pending '. After calling pending, my account was opening as an XXXX XXXX Visa Platinum Plus account, without informing me. Additionally, even though I applied for a specific offer, the terms were changed without my permission, and an account that I did not want was opened without my permission. The reason given was 'the Signature card requires a {$5000.00} credit limit, but you only received a {$2000.00} line '. However, I had {$31000.00} in available credit with the bank that an analyst was easily able to move over. The analyst was XXXX in the Preferred Credit group. So, the credit was there, but the agent chose to open an inferior account ( not the account that I applied for ) in order to charge me an annual fee without giving the bonus that was promised. 

This seems to be very deceptive and fraudulent, advertising a bonus and then changing the terms without my permission.

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 2017-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I tried to contact Navient, the company which is handling my student loans. I am in the process of applying for loan forgiveness based on XXXX, and have been continually harassed for payments which i can not afford to make while in that process. I tried to call the company to find out why i am still being asked for payments, and what i need to do, but could not get past their automated answering system which refused to transfer me to a representative and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CT

Complaint narrative:
The issue first started 6 months after graduation XX/XX/XXXX, when XXXX XXXX XXXX who was the original loaner ) called and sent letters regarding repayments. Since day one, I have been harassed, threatened with legal actions, and my credit has been affect. After many times I explained the poor job market XX/XX/XXXX after the housing bubble collapsed, that my career could not come close to paying variable percentages. The job I had gotten XX/XX/XXXX with a bank laid me off XX/XX/XXXX, ending up with me going on unemployment. 
Luckily I found a lawyer that helped me in filing bankruptcy, but could not dismiss this private student loan. At least XXXX XXXX FINALLY negotiated a lower payment of {$250.00} per month. 
XX/XX/XXXX, I started working again and religiously made those payments. XX/XX/XXXX, I lost my job due to a corporate buyout by way of layoffs. I called Navient, now the loan owner of the private student and federal loans, stating the loss of my job. After a few conversations, they are unable to reduce the payments. Now, after 4 months of being unable to make payments, Navient is threatening to litigate against me. 
This loan is preventing me from getting a vehicle loan, unable to rent and causing problems with getting a new job. 

I have also had a name change, originally XXXX XXXX XXXX, to XXXX XXXX XXXX. 

Attached are information about the current loan balances, Navient 's " let us help you '' letter, and a letter threatening litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In just a short time my private loans ( XXXX ) now serviced thru Navient went from {$40000.00} up to XXXX. Now having exhausted my forbearance, my payment options are not affordable $ XXXX/month or $ XXXX/for 27 months only. I have no alternative but to wait for garnishment. They will not negotiate the amount or waiver on the 10 % interest being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a modification after having a car accident and falling behind on my mortgage. Bank of America continuously denied me claimed they never received paperwork and was very uncooperative. I made a payment towards my mortgage for XXXX and the bank misappropriated that payment. They used it towards late fees which they increased by 100 % and interest. The payment was supposed to go towards principal and the late fees waived with the interest applied to the back end of the loan. I am tired of Bank of America and at this point I need someone who is willing to investigate my first application for a modification and why my payment was not applied correctly, along with why my late fees went from XXXX to $ XXXX-XXXX. 
My mortgage is through XXXX and they are n't helpful although they were aware of the issues that I had with Bank of America and continue to have. 
My name is XXXX XXXX my mortgage company is Bank of America and my telephone number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I 'm writing to report an inconsistent, inaccurate and incredibly deceitful customer service practice relating to my mortgage account ( account number ending in XXXX ) with Bank of America. No address changes on any accounts should be made without documenting the conditions surrounding the address change.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got scammed in XX/XX/XXXX. The scammer had me made payments to her Bank of America account on XXXX different dates : XXXX/XXXX/2015 for {$6800.00}, XXXX/XXXX/2015 for {$19000.00} and XXXX/XXXX/2015 for {$16000.00}. The account 's holder name is XXXX XXXX. I filed a fraud claim with XXXX XXXX on XXXX/XXXX/2015 but no replies from the fraud department. I also had filed police report, FBI report ( IC3 ) and FTC report. Since I did n't get the diplomatic package in the mail as promised, I should get my money back. The whole thing was a fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had recently moved to XXXX and was not able to make a payment back in XXXX, I called the company and was told that I must make a payment first before they would be able to reverse any payments or change the report to the credit bureau. I was instructed to call two days later after the payment was posted, and I did to which I was told that nothing could be done because I was over two months late. To make sure I would n't miss another payment I asked the representative explicitly to setup autopayment for my minimum balance. It was my understanding that the autopayment would have fluctuated as the minimum balance was increased. 
Fast forward to XXXX/XXXX/2017, I always checked my bank to make sure the payment was taken out, but when I checked my credit score I saw that it had dropped significantly due to being late three months. I called Bank of America and talked to a representative which told me that the information which was given to me back in XXXX was false and that they could in fact change the credit history even after two month and they would be able to fix both issues after I had made a payment, he also mentioned that they have no record of me talking to a manager two days later. I still have the phone records if needed. 
Again I called two days later and was told once more that nothing could be done other then only one late fee being retracted. I asked to talk to a manager and somehow I was connected to the same manager from XXXX which told me she would not be able to do nothing once more.

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 2015-07-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
ordered a dress on the internet and paid extra for specific measurements. Dress came XXXX inches longer than the measurements. Their web site stated that if measurements were off by more than an inch they would pay 100 % for me to have it altered. They refused to do this. Filed a dispute with my credit card company and they ruled against me because they said I did not have the tailor provide detail information on the alterations. The letter the credit card company sent me never asked me to provide this and now they said it is too late to do anything on this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
On XXXX XXXX, XXXX, my automatically withdrawn monthly mortgage payment, to Wells Fargo Bank, was made. With this payment my mortgage balance was reduced to {$150000.00}. This reduced my balance, on my home valued by Wells Fargo 's own appraiser at {$200000.00}, to XXXX % LTV. I requested in writing the removal of PMI from my account because my balance was less than XXXX %. On XXXX XXXX, XXXX, Wells Fargo responded to my request by arbitrarily reducing the value of my home to {$170000.00}. They did this without an appraisal of any kind and they did it for the sole purpose of being able to continue to charge PMI on my account. This {$170000.00} figure is less than the amount of my original loan, XX/XX/XXXX, and is far less than their own appraisal of {$200000.00} which was made after I had added over {$40000.00} worth of improvements. 

These people have blatantly failed to comply with the requirements of the Homeowners Protection Act.

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 2015-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/XXXX, I secured a mortgage with Bank of America ( FHA Home Loan ) as a first-time homebuyer. At the time I was offered free " debt protection '' for 1 year ; in the event I could not make a monthly payment on time, debt protection may apply. It was not clearly explained to me what this did and did not cover, but I was advised to accept it due to its free nature. In XX/XX/XXXX/XX/XX/XXXX, I realized that I had been enrolled beyond the 1-year mark and was being charged a monthly fee via my escrow account. No communication had been made to me that I was auto-enrolled beyond the free " trial '' period. I had been billed for an extended period without my knowledge. Further, I also encountered difficulty paying my monthly installment around the same period ( I was a full-time student prohibited from working and thus relying on savings and grants ). Realizing that I had " coverage '' without having known, I called customer service to request the debt protection and allow me some time to pay the installments without penalty. I was advised that debt protection did not apply to this scenario, only a select few ( that were likely not to happen ). 

As a consumer, the debt protection offering was presented in a way that favored BofA, and not me. My savings, credit, employment history were scrutinized very closely and thus it was fairly clear I was not going to need protection during the free 1-year period. Further, it is very unlikely a consumer will remember they opted for a free service, gone unused, after a full year. 

The result is that BofA made over {$1000.00} off me, without providing any benefit and knowing the likelihood of having it 's services used under its narrow parameters was marginal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: CA

Complaint narrative:
Consumer XXXX was a free service, why are they reporting me as a Collection account. They never worked no matter where I was. I want it removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
XXXX took over my original loan and since then have been trying to foreclose on my mortgage. I 've never missed a payment and when I call them they are ver abusive. When I asked them if I 'm being descriminate against they said yes and the reason is because in XXXX 2011 I filed for bankruptcy. I 've been served for closing papers twice and I 've had strips of papers left on my door saying that an inspector was there to see if anyone lived in the property. I hope you can help me fast. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Since 2010, on numerous occasions I have disputed a bankruptcy being reported by Equifax on my credit profile. Each and EVERY single time, they 've responded " verified ''. And EVERY single time I asked for what 's known as a Method Of Verification, I 'm simply told to contact the court on " record ''. On several occasions I 've spoken with court officials over this so-called bankruptcy and they verbally confirmed what I had already assumed ; Equifax NEVER, NOT ONCE " verified '' any such bankruptcy with the court. And as such this reporting is illegal according to the FCRA and NJ State Law and needs to be deleted. Please refer to my notarized letter addressed to the court and their certified response. I look forward to Equifax 's response via CFPB for the record as I contend that Equifax 's policies allow them to BLATANTLY LIE to consumers and the authorities that govern the FCRA.

Company response to consumer: Closed with explanation