vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Approximately XXXX 2016, fraudulent activities transpired on my accounts with Wells Fargo through automatic tellers machines ( ATMs ). Since I am unemployed and no longer in school, there are no frequent activities made by me such as deposits, withdrawals, transfers etc. On XXXX XXXX, I was notified by my mother that I received an email from Wells Fargo stating my online log-in information ( ID and password ) had been changed. On XXXX XXXX, I was again notified that Wells Fargo forwarded another email stating a HOLD was placed on my account. Upon returning home later that next week, on XXXX XXXX, I received a letter stating fraudulent checks in the amount of {$4000.00} had been deposited and charged to my account. Amazingly, this account has never ever held that amount of moneys. I could not imagine any institution paying out that amount. I was a college student and had recently graduated. I called and after being transferred several times, spoke with XXXX. I filed a claim and stated I should hear something withing 5 business days. On XXXX XXXX, I received four separate letters ; each contained a copy of a fraudulent check. On XXXX XXXX, I forwarded a follow-up letter to Wells Fargo stating to close the account immediately ; not to wait for the scheduled closing of XXXX XXXX. I telephoned on XXXX XXXX, again transferred numerous times. Finally connected to XXXX of Loss Prevention. I had to summarize the situation. I asked did she see the communication with XXXX. She replied 'no '. Upon asking the status of the account, she responded, " The amount of {$4000.00} has been recovered. There is a negative balance of {$2.00}. There was a physical withdrawal in the amount of {$300.00} that needs to be satisfied and you as the account holder is responsible. '' It was then that I stated, " why? '' She emphatically stated that " you had to give your card and PIN to someone. '' No, I did not. XXXX ( Wells Fargo Rep ) refuted my " no ''. My mother listening informed her that she was giving out fraudulent information ; bank cards are skimmed every day. Apparently, that was the case. I had been 'skimmed '. I research information and Identity Theft Expert, XXXX XXXX proved it to be the case and recommended that customers access ATMs at banks only. Again, I informed XXXX from XXXX XXXX that on XXXX XXXX and XXXX XXXX, I received two emails and Wells Fargo should have been aware that my account had been compromised. The history on the account had never showed frequent deposits of any sort.

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 2015-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Saturday XXXX/XXXX/2015 at about XXXX I deposited a check in the amount of {$5000.00} ( XXXX XXXX ) via the ATM at Bank of America branch at XXXX XXXX XXXX, XXXX XXXX, NJ. The ATM machine after several minutes gave a reading : " Item Rejected ''. After several more minutes waiting for further instruction or the return of my check ; I pressed the 'cancel ' option. the ATM machine made a processing sound and then went back to the BOA home screen. I called Saturday and was transferred to at least XXXX other departments. Ultimately, i was advised that the only option was to wait 10 days as the law permits them, whereby they would credit the {$5000.00} to my account. this is very fishy. I relied on their ATM machine for every external deposit made. I was told that I have not made deposits of that size prior. I ask what does that have to do with the bank holding up my resources? I informed them that they have a responsibility to me and they are not for-filling that obligation. I also informed that the ATM machine does not have a notice advising people to 'use at your own risk '. Finally, I have attempted to deposit a 'stale dated ' check and the machine rejected it and kicked it back to me. Please help to resolve this matter. If it is determined that BOA has deposited my check in an 'unknown account ' I am asking that they compensate me with triple the interested and benefits that they have acquired. Thank you, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
There is a collection agency appearing on my credit report. I have contacted this agency on several attempts to provide documentation on services provided by them for the supposed debt owed. They have sent me on numerous attempts a signed copy of the consumer rights and responsibility page with a signature. I requested an actual medical bill for services and I was sent a piece of paper with my information on it and a total due. No itemized statement of services that were received. After the 5th letter I sent to them the company sent e a letter with a check in the amount of {$120.00} attached and apologized for the inconvenience. However, will not remove the item off my credit reports. I disputed with the Credit bureaus and because my name and address matches they validate this as my debt. I did not receive services at the hospital that claims to have given the service.

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 2015-12-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc.
State: NM

Complaint narrative:
My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of Stellar Recovery, inc. attempt to collect a debt. This alone violated my rights. 

Stellar Recovery, inc. contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights. 

Furthermore ; The agent for this collection group XXXX XXXX XXXX XXXX stated they attempted to call me but the original vendor had given them the wrong telephone number for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX XXXX, we completed a mortgage refinance with Bank of America. The major feature of the refinance that we insisted upon was no Escrow Account for the XXXX Property Taxes or Property Insurance. We were going to make the payments directly to XXXX Real Estate Taxes and Home Owners Insurance. 
The final Mortgage Refinance Documents were signed with no Escrow Account. The XXXX Property tax that was due on XXXX XXXX, XXXX was included in the closing agreement. Per agreement going forward we will continue to pay the XXXX Taxes ourselves. 
When the Tax Bill from XXXX Department of Finance arrived, we discovered that the quarterly bill had been paid by Bank of America. We contacted Bank of America immediately so that they fix the mistake. 
We believe that Bank of America has broken the terms of the Refinance by imposing an Escrow Account and adding the interest of the Escrow to the account. The current statement dated XXXX XXXX, XXXX from Bank of America clearly shows their disregard for terms of the original refinance agreement. 
Presently, we paid in full the XXXX Real Estate Property Taxes for the period of XXXX XXXX, XXXX to XXXX XXXX, XXXX. Since Bank of America is well aware of the mistake they made, they should request a refund from XXXX Department of Finance, but instead they have chosen to break the contract and do what is most convenient for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Total Card, Inc.
State: TX

Complaint narrative:
I CAN NOT BE BOTHERED WITH THESE PEOPLE. THEY DO NOT HAVE THE RIGHT INFORMATION AND FOR SOME REASON THEY DO NOT UNDERSTAND AND HAVE STARTED TO REPORT ON MY CREDIT I SENT A CEASE AND DESIST ORDER TO HELP BUT IT SEEMS TO HAVE FAILED IM STILLING RECEIVING CALLS AND ITS STILL ON MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate Bank of America locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i never used this card. i was applied as an authorized user. I made a payment inside the branch to bring current and to stay active. the bank never stated my payment would take three - four business days to apply to the credit card. A week later i received a collections letter. i called the collections office and they had no record of my payment. this card should have stayed active as i was making payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I have already paid the debt and was informed by collections that this debt would be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I went into a Target store in XXXX, California. I was on my way to give a speech and stopped at this store to buy some things. XXXX is an overwhelmingly minority community. I made XXXX purchases. 1 ) XXXX packages of alkaline batteries for {$31.00}. 2 ) A XXXX camera for my wife for {$210.00}. XXXX XXXX initially declined the charge. I respeat, XXXX is an overwhelmingly minority community. I immediately reached XXXX by phone and answered questions. They ultimately approved the charge. While I was waiting for XXXX to approve that charge, I gave the clerk my Bank of America ( BofA ) credit card and asked her to charge the batteries on that. That charge was also initially denied. In talking to BofA they said they wanted to make sure it was not a fraudulent charge and BofA approved the charge, which I thought was only for the batteries. However, she apparently accidentally also charged the {$210.00} camera on that. When I saw that, she agreed to back out the BofA charge. For reasons unknown to me, the charge was not reversed and I have now paid for the camera twice. Somewhere along the line, BofA cancelled by crredit card and said they would send me a new one, which they did, several days later. When I later went online to challenge the charge, all the form would let me do was call the charge a fraud. There is no space for mistake or accident. I 've now had SEVERAL phone contacts with BofA telling them what happened and said to not pay XXXX for this charge since they had already been paid on my XXXX card. I never challenged the batteries, only the camera. The last contact was just a few days ago. After again, explaining this to the BofA representative, I told here I would gladly pay for the batteries. After questioning her closely, she said there had not been a {$210.00} charge on my BofA credit card. I said, if that 's the case, then I 'd drop my challenge since, according tohere, there was nothing to challenge. TODAY XXXX/XXXX/2016, I got a letter from BofA. It says a charge of {$210.00} was placed on my credit card account because I agreed to assume responsibility for it which I NEVER DID. The good news is that, no doubt, BofA has recordings of all this which will prove my point, most especially the last contact a few days ago. That woman was either incompetent or untruthful. I now want BofA to eliminates this charge once and for all.

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 2016-10-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has violated the National Mortgage Settlement ( NMS ) and is liable under the California Homeowners Bill of Rights ( HBOR ) 2924.12 ( g ). 
While Bank of America concedes the submission and receipt of a complete Request for Mortgage Assistance ( RMA ) application package as evidenced by the Bank of America initial review of the received as complete RMA resulting with the XXXX XXXX, XXXX incorrect MHA HAMP denial that was later GRANTED upon the Bank of America Appeals Department reviews of XXXX XXXX and XXXX XXXX, Bank of America has not provided the required five day notice to the borrower in accordance with HBOR 2924.10 ( a ). Also and in accordance with HBOR, there is no deadline for servicer 's to complete the modification process. 
Additionally, Bank of America can not record an Notice of Default ( NOD ), a Notice of Trustee Sale ( NTS ), or conduct a sale while the modification process is pending per California Civil Code 2923.6 ( c ). No deadline for borrower 's application. No deadline for servicer 's RMS evaluation. 
Therefore, the NOD recorded on XXXX XXXX, XXXX must be withdrawn by the recording of a Rescission with the XXXX XXXX County Recorders Office.

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 2016-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Home Loans is charging a {$6.00} surcharge for online payments, even though the payments are on time and not late.

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 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My private loans were issued through XXXX/Navient. Six months after I graduated I called them to see what payment plans I would be able to sign up for. They said that there are n't any for private loans and that I would have to do a forbearance but that it would increase the monthly cost after the three months. When I asked how much it would increase it by they could n't give me an answer. But since I could n't pay the $ XXXX+ a month i did n't have a choice. I am now paying {$800.00} a month. In addition to that, during my time at college they had my mother pay {$25.00} a month to keep the interest down at 8 % instead of 8 1/4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
When I enrolled with the XXXX XXXX XXXX XXXX XXXX, I was told by my several advisors that funding provided to me would go through XXXX XXXX, their primary FEDERAL lender. Turns out all my loans are private. Limiting my protecting against the fraud and closing of the XXXX campuses as well as refinancing. Now Navient, has made my payments impossible, with the high interest rates from my loans and no options of canceling or refinancing my life has ended at XXXX. Because of the fraud and the lies from XXXX and XXXX XXXX XXXX, I will no longer be able to buy a car or finance a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
We got behind on our mortgage, tried to do a loan modification, kept getting different information from the very many different people we had to talk to. Assigned a customer relations manager that we never got to talk to. Paperwork was mishandled until it got so close they did n't postpone the sale date. Even though underwriters got the paperwork and assigned a code saying it was all correct the day before the sale, they still did n't postpone the sale.

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 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
This is several years old, but I saw there is action against Navient, so I thought I would share my complaint. I began repayments ( originally to XXXX XXXX and then Navient ) in XXXX after finished XXXX school. My original payment was {$340.00} on approximately {$60000.00} in loans. I always tried to pay extra, as the company was applying the bulk or all of my payment to interest. This ranged from payments of $ XXXX, depending on what I could afford. In XXXX, my payment moved up to {$390.00}. Again, still payments only going to interest for parts of the year. I paid this through XXXX, when I started paying $ XXXX/month ( not my actually payment due, but what I could afford to try to pay off faster ). In XXXX XXXX, I went back to XXXX school. I was working XXXX, so continued my payments ( or intended to ). At this time my " official '' payment was $ XXXX/month, but I had been paying {$500.00}. In XXXX, I received notice that my loans were in deferment. I immediately called the company, informing them I did not request deferment, and was able to continue to pay. I was in school but working XXXX. I spoke with multiple staff and managers, simply asking that my payments be reinstated to the {$400.00} I was paying. They refused, stating that because it went into deferment, my interest had capitalized, and they had to change my payment and repayment schedule. I repeatedly told them I had never requested the deferment and got nowhere. My payment was increased to {$450.00} per month, which I pay today. I did not take on additional loans for my second round of XXXX school. After 17 years of faithfully paying monthly what is now over {$80000.00}, I still owe {$35000.00} on loans that were originally {$60000.00} because of the way payments are applied so heavily to interest. I am XXXX years old with XXXX XXXX. I am the XXXX. If they are able to XXXX me over this way, I 'm sure others are getting it much worse. I will have the loans paid off the year my oldest child goes to college, and will have paid well over XXXX the original principle of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 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: The CBE Group, Inc.
State: PA

Complaint narrative:
I had XXXX about XXXX years ago in 2011. I canceled XXXX I was all paid up and sent back their equipment and that is what they are charging me for. I sent it back and I do n't owe them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
bank of america visa XXXX XXXX XXXX XXXX ripped off XXXX XXXX of {$6.00} on XXXX/XXXX/2016 charge of {$100.00} by charging {$6.00} for bottle deposit for nondeposit bottles. 
XXXX/XXXX/2016 XXXX XXXX NY Transaction date : XXXX/XXXX/2016 Card type : XXXX Transaction type : Purchases Merchant description : GROCERY STORES, SUPERMARKETS Merchant information : XXXX, NY Reference number : XXXX Dispute this transaction Type Purchases {$100.00}

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 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA did not post my payment correctly in XXXX of 2011. This resulted in me being labeled as delinquent. They then posted me as delinquent for the next 8 months as 60-89 days late. They refused to speak with me on the matter. This has had a tremendous negative effect on my credit score.

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