vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX I wrote to TransUnion to complain that they were inaccurately reporting the age of my credit history, specifically the age of my XXXX XXXX credit card account XXXX formerly an XXXX Bank XXXX account until XXXX bought Bank XXXX ). I received a response today which addressed only the history of my XXXX XXXX account, which was not in dispute. I then called TransUnion to try to provide additional information, specifically that I could prove that the XXXX credit account had been open for at least 11 years, and probably longer. ( I am waiting for verification from XXXX as to the exact date, but I have statements dating back to XX/XX/XXXX ) I spoke to a customer service representative named XXXX, who told me that while I had had several XXXX accounts over the years, each XXXX had been closed at my request. I told him that that information was incorrect, and reiterated what I had written earlier : '' The problem appears to originate with the fact that XXXX assigns a new account number at least every three years. XXXX XXXX probably does as well. In recent years, new XXXX account numbers have been assigned with even more frequency after hacking breaches were discovered at stores such as Target and Home Depot. I have no control over such account number reassignments, but it has always been the same account. 
I realize that this request may be of little importance to TransUnion. But I am annoyed by the fact that, after a lifetime of prudent financial management, my credit score is n't perfect. Would you please, therefore, take steps to correct your records? " XXXX response was far from satisfactory, even after I went into greater detail as to how, even when the account numbers were changed, pending charges and my XXXX rewards credits were carried forward to the new account number. He emphatically stated again that I had closed each account, and that TransUnion would do nothing to further investigate the matter. 

Other than frustration at not being able to change my score to a near-perfect rating ( according to XXXX, my TransUnion score as of today is XXXX ), this problem does not have any particularly negative impact upon me. But XXXX people who apply for car loans, mortgages and credit cards have their interest rates determined in large part by their credit ratings. It strikes me that credit reporting agencies such as TransUnion may very well be colluding with banks to intentionally lower credit scores in order that banks can justify the imposition of higher interest rates. 

Thank you for any help you may be able to offer concerning this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
We have automatic payments that come out of our XXXX to pay a Bank of America credit card monthly. We recently sold a home and decided to pay off the Bank of America credit card, not with our XXXX account, but with another account XXXX. We went online, changed the bank to XXXX and submitted the payment. This was on XXXX XXXX. The next day our XXXX account was debited for {$11000.00}. This left us {$11000.00} overdrawn since we only had {$300.00} in that account. We called Bank of America and explained the situation, they could not say why the funds were taken from the wrong account. They cancelled the payment and told us it would take from 2-9 business days for them to return the funds. Nothing was or is overdue, our account was up to date. We then called XXXX to explain the situation, they were willing to wait for Bank of America to return the funds. Luckily Bank of America returned the funds ( XXXX ) the next day on XXXX XXXX along with the {$40.00} fee for NSF. We thought the problem was taken care of. On XXXX XXXX they resubmitted the debit to XXXX for XXXX. Their reasoning was that their system is automated and automatically would try to retrieve a prior payment with NSF. However XXXX paid the charge the first time so it was n't as though the system would recognize it as not paid. Today is XXXX XXXX, there have been 3 phone calls and countless hours. They promise that they will return the funds to our XXXX account within 2-6 days. We had to call XXXX again and repeat the same process. They have sent us a complaint form which we will fill out this evening.

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 2015-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a purchase on XXXX/XXXX/15 that was cleared on XXXX/XXXX/15. The bank reconciled my account one week later for a purchase that has already cleared and in the process, funds from my account in the amount {$2.00} are missing and subsequently caused my account to overdraft XXXX. When I saw the mistake that had taken place I called the company to request an investigation into my account to inquire why my purchases were reconciled after they had cleared an spoke with XXXX who informed me, before she even understood my complaint, that there is n't anything she could do to assist me. I then requested a supervisor and spoke with XXXX, employee ID # XXXX, from a New York call center. She informed me that she could not help me and there was not a department that she could transfer me to that could assist me as well. She informed me that she was a manager and there was not someone over her that I would be able to speak with. She told me that none of her managers spoke with clients. This ordeal is causing me a great deal of stress as I have recently lost my job and can not afford fees that I did not inquire. The supervisor insisted on telling me what she was seeing although I informed her that the information in the system is incorrect. Online banking is the only tool BoA clients have to keep up with their funds and with your supervisors telling us that the system is constantly incorrect and that we should not be using it as a way to keep track of our funds is unacceptable. I called XXXX and the call lasted XXXX minutes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
On or about XX/XX/2016 I contacted my student loan servicer, Navient and requested the following information be mailed to me : 1 ) Copies of my XXXX promissory notes ( aka copies of ALL original loan paperwork ) 2 ) XXXX schedules for each of my loans detailing the following balances/payment applications/account status on a monthly basis : a ) Beginning monthly balance ( starting with each loans origination date ) b ) Payments - including amount of payment applied to interest and principle each month c ) Interest charged each month d ) Ending monthly balance XXXX ) Loan status each month ( forebearance, current, etc. ) I was told I would receive all original loan paperwork, promissory notes, within 30 days. I never received this paperwork. 
I was also told they were not able to provide me with XXXX account details as they only retain such information for six or eight years. Given the recent news of Navients big fine for illegally appling payments, I now understand why I they did not provide me with this detail. 
I now ask for your help to compel Navient to supply me with this information timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
On XXXX 2015 I requested validation from CBE. Although CBE account was deleted from my credit report in XXXX 2015, as of today I have not received validation requested. According to credit report pulled XXXX/XXXX/2015, this debt is now held by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loan was held by Navient I am a XXXX and have work in the field for 19 years. over this time I have attempted to access federal loan forgiveness and I feel I was miss led and not given the opportunities that i should have. I have made several attempts specifically asking for Loan forgiveness under the XXXX field and time and again i was sent other paperwork or told that what I was asking about did not exist. I was encouraged to put my loans on forbearance and i feel I have paid undue interest due to the Guidance of Navient. I have since moved my loans out of Navient to attempt to save money and get correct repayment structure

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: NY

Complaint narrative:
I use a credit monitoring service and was notified that a company by the name of JEFFERSON CAPITAL SYSTEMS from Minnesota reported a collection item to all XXXX credit bureaus. This, in turn, negatively impacted my credit score. 

This company should have contacted me ( via phone or email ) regarding any business they have with me and given me the appropriate information and timelines for dispute before negatively impacting my credit report. They did not contact me in any way whatsoever. The FDCPA and the FCRA dictates my rights as a consumer are that I must be contacted and given the time to dispute/respond. This company has violated that right.

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 2017-01-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased a bed from XXXX XXXX and called the owner XXXX and informed him that the bed was too hard and uncomfortable. I asked for a refund and asked him to come and get the merchandise. XXXX from XXXX XXXX stated that he would not give me a refund and asked me to jump up and down on the bed. He asked me to please keep it and give it time. I asked again for a refund and he stated that he does n't give refunds. He stated that he would give me another bed and I informed him that I purchased the softest bed he has. He said just keep it please. I stated that I would call Bank of America and I asked to put a stop on the purchase. Bank of America stated that i had nothing to worry about and they would take care of it from here. On XXXX XXXX, XXXX XXXX called and asked to pick up the merchandise and I called Bank of America and asked if I should give him the merchandise and I was told to do so. ON XXXX XXXX, XXXX. I received a letter from Bank of America stating that they had ruled in his favor. I called Bank Of America and the person I spoke with stated that if was a mistake because the money had been applied back to my account and stated that they must have made a mistake. I completed the survery on line that Bank Of America sent me. I put what I said in writing and. ON XXXX XXXX, XXXX I received another letter stating the same thing as the letter on the XXXX stated. I called again and I was informed that my case was closed per Visa because I had not responded to two letters that I never received. I also explained that I had spoken with Bank Of America on the other occasions and no one informed me that I needed to do anything. I asked how could my case be closed if I never had a chance to receive the information that I needed to do more than give the product back.

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 2015-09-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX, 8 years ago, Bank of America in XXXX XXXX, California, gave us the contents of a checking and savings and access to a EMPTY safe deposit for a deceased relative. 

Bank of America withheld the existence of another safe deposit box for 8 years and only notified us XX/XX/XXXX, after they drilled it open and provided us an inventory which showed cash, legal docs, XXXX insurance policies, and other valuables. The inventory was conducted by Bank XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. However, they failed to sign the Inventory, as required by law. All signatures were left blank. 

I believe XXXX XXXX and XXXX XXXX stole the contents and only sent this notice because they did not expect for me to be living at the same address as the box owner 8 years later. Throughout these years they 've never notified me of the existence of the box and I 've lived at the same house that we inherited from the deceased and that is on the deceased 's account. 

Upon receipt of the notice of the box, I provided them with all the documentation they requested. Upon confirmation that they had received all the documentation they needed to release the property we had an appointment to get the contents. 

When I arrived for our appointment they first lied and said they could n't find it, then they found it but refused to release it because a " mysterious '' person 's name had been added to the account. No one knows who this person is, not even the bank because there was no ssn, date of birth or any other identifying characteristics. The name was a common name that could be XXXX people. Based upon this unknown person, they refuse to give the us the property. 

Again, I suspect local bank employees or management, XXXX XXXX and XXXX XXXX have stolen the contents, placed some unknown fake name on the account and now the local branch is know covering up for them. They wo n't provide me with any procedures to recover the property and keep giving me the runaround. 

Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
UNCLOSED ACCOUNT after several request. CREDIT BALANCE origin is unknown. 
XXXX. Requested the closure of credit card about a year ago XXXX verbally. It remained open. 
XXXX. XXXX request sent certified mail through the XXXX Postal Service. Receipt confirmed. 
XXXX. Today, XXXX XXXX, a check in the amount of {$75.00} was received in the mail. The certified mail noted that the {$75.00} credit does not belong to me. 
XXXX. Placed a ticked off phone call today XXXX XXXX, 2015 to XXXX XXXX XXXX at XXXX MDT. This phone number is listed on their check # XXXX with a letter attached above the check. I called to let the answerer know that this money does not belong to me. She suggested I take it to a Bank of America. I stated several times it is not my money. 
Through out the recorded conversation by the Credit Card Issuer, I could not verify whether this account is opened or closed. She demanded my social security number ; I provided the last XXXX digit. She demanded my mother 's maiden name ; I refused. She wanted an account number which she was provided from the recent and only statement I have ever received. She requested my mailing address, which she was provided. 

It seem ; the intent is to keep this credit card open on an unknown generated credit of {$75.00} ; perhaps even superficial to keep this account open. I have not charged on this account. I HAVE NOT MADE XXXX PAYMENT ON THIS ACCOUNT. There seem to be no effort on their part to close this account. HELP ... HELP ... HELP ... PUHLEEZE ... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My debit credit card has been declined at drug stores on multiple occasions over the past 4 - 5 years.The attempted purchases were by my Wife who is buying her medications to treat her XXXX XXXX.She travels 4 hours by car to get the Best prices on her many Meds that she takes..I have complained to this Bank of America several times which has not been successful. My next step after you will be civil litigation with puntative damages to be accessed in time.Bank of America is a Disgrace to all who can not get their lifesaving Meds with their debit card and has had to use Cash for the past 4 years.I demand a federal investigation by the DOJ and this will be forthcoming.

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 2016-05-20 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.

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 2017-01-21 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: WI

Complaint narrative:
I had loans that went into repayment at XXXX different times. When the XXXX loan went into repayment, the monthly payment was way more than I could afford. I wanted to apply for the income based repayment plan. The representative from Navient said that she would put my loans on forbearance for 2 months until the results came back from the income based repayment plan. She did n't help me at all and my loans were in forbearance for a year!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
Medical bill paid by my medical insurance. And collection company still reporting bad debt and money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America is attempting to change the terms & conditions aka " modify '' of my Line of Credit ( 2nd mortgage ) by INCREASING both the interest rate & Payment Terms from a monthly " interest only '' payment to a monthly " principle and interest " effective this month : XXXX XXXX. I can NOT afford this additional new expense. I have been a dedicated Client of Bank of America since XXXX. I have an outstanding Credit Score of XXXX or higher. 
I am a XXXX single citizen ( age : XXXX ). My only monthly income is my Social Security & a monthly small retirement of {$130.00} which pays for my prescription XXXX XXXX XXXX. 
I am XXXX XXXX XXXX XXXX XXXX XXXX ( 4 years ). I have NEVER been late on any payment. PLEASE HELP ME. My poor health wo n't let me work again. My car is 17+ years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 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 made a deposit to open an account on XX/XX/XXXX. The hold policy, per their receipt, said that {$4800.00} would be available on XX/XX/XXXX. As of XX/XX/XXXX, no funds have been released from hold. I did an online chat to ask why the hold was still there and was told that the whole amount would be held until XX/XX/XXXX. 

This seems a clear regulation CC violation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I have been harassed by this company called Navient for the past 3 to 4 months about XXXX dollars that I don't owe them because I am still in school. I studied XXXX away from the University XXXX for a semester. Filled out and sent in a deferment letter and these people continue to harrass me to the point they are calling me at XXXX at night on a school night when I have to study for exams and do homework.

Company response to consumer: Closed with explanation