vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
Beginning in XXXX this company from an XXXX number began calling my phone asking to whom they were speaking with. The first few times I asked them to verify who they were and type of service company. Each time they have refused to do so. Then I began receiving hang up calls, where they 'd lurk on the phone for a few seconds then hang up. This type of behavior has continued without a verification letter of their business and my involvement. 

Today, XXXX XXXX is the first time I received a name of the company - EOACCA, which according to google is a debt collection agency. Same as before they called, I answered and they hung up. I called back saying I received several hangup calls from them, and asked them to verify who they were and their service. I was told that they needed to verify who I was before continuing. I told him I was n't going to. I asked them to stop placing hangup calls and do not call if they could n't tell me their place and purpose of business. The gentleman said at that point that they are EOACCA. I asked what does that stand for and what is their purpose for calling. He said its not an acronym, and I needed to tell him who I was before continuing. I told him I would n't and asked him again not to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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: AFNI INC.
State: AZ

Complaint narrative:
debt is not mine had it remove before and they re age the debt so it show up credit report as a new debt and reporting a date of open of XXXX XXXX 2015 and the debt should have a later date then that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 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: AFNI INC.
State: MN

Complaint narrative:
This debt was on my report for years before I realized it. I disputed it and it was removed in XXXX. 

In XXXX XXXX, it was added back to my reports, without any proper notification. It is also listed as a newer debt, as of XXXX XXXX, not showing any original default date. Considering it was on my report prior to that and removed, when they couldnt provide a legal document bearing my signature or verify the debt was mine. This clearly ca n't be accurate. Originally, prior to removal, it was stated the debt was from XXXX, possibly earlier. Not only are the reporting false data, but also reporting something that is not my debt and added back with no proper notification. Since they ca n't provide me with anything bearing my signature, that the debt is mine, it should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank has continued to allow my account to be overdrawn, has not refused any transactions and now has charged me over {$500.00} in overdraft payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES
State: WA

Complaint narrative:
I had XXXX different loans under XXXX different accounts through Great Lakes. My beginning balance was {$26000.00} over those XXXX loans. I recently consolidated the XXXX accounts for ease of convenience in paying them off, and to adjust my interest rate. By doing so, my credit score took a XXXX point hit through XXXX. My loans are now being reported with a beginning balance of {$21000.00}, not reflecting the almost {$5000.00} I 've already paid down on them. My installment balances are now calculating at XXXX % of the loaned amount instead of giving me credit for paying down XXXX % of my loans. I believe they should still report the beginning balance as {$26000.00} instead of my current balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I 've been having an issue with a TD BANK USA/TARGET CREDIT card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Other financial service — Refund anticipation check
Issue: Customer service/Customer relations — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I filled out the wrong acct # on my Tax Return and did not catch the error until the day the IRS send the money and the money was deposited into someone else 's acct. We notified TD Bank immediately of the error. TD Bank confirmed that they have the money and its is currently on hold but refuses to send it back to the IRS. The IRS says that the only way to reissue the money is for TD to return it back to them however they will not. I am at a total loss as to why they will not return the money and I need help. TD Bank is unwilling to do anything. The IRS said that this happens frequently as they often get wrong information and the Bank always returns the money. I have spoken with many employees at TD Bank and they have all said the Bank should just return the money until they get to the ACH department and that is where the refusal happens, the Customer Service Employees are told unless the IRS asks for the money back there is nothing they will do. I have spoken to the Banking Commission, FDIC, IRS, XXXX and several others all have said the Bank needs to return the money. TD Bank will not allow me to speak with anyone in the ACH Department. I am at the end of my rope as to what to do. I am placing this formal complaint against TD Bank for holding money with full knowledge that it does not belong to them and needs to be returned to the IRS for proper distribution. Please HELP!!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I locked my refinance rate with TD Bank. Rates increased quite suddenly post election. My mortgage is now saying I will to have to pay different " points '' since post appraisal the LTV is 61.3 %. They are saying the points are different for LTV greater than 60 % vs. LTV less than 60 %. Is there 60 % cutoff really? I have never heard of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
I APPLIED FOR A HAMP LOAN ASKING FOR REDUCTION IN INTEREST RATES AND A PRINCIPAL REDUCTION FORGIVENESS. I WAS GRANTED A INTEREST REDUCTION BUT NOTHING ON PRINCIPLE FORGIVENESS. WHEN I TOOK OUT THIS SUB-PRIME ADJUSTIBLE MORTGAGE MY HOME WAS APPRAISED AND I AM STILL OVER 40 % UNDERWATER TODAY. SO WAS I TAKEN AGAIN BY THE MORTGAGE PEOPLE BY NOT GRANTING ME SOME PRINCIPLE REDUCTION FORGIVENESS?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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: NC

Complaint narrative:
I received an overdraft fee for an ACH transaction that was an annual fee and was not aware it was billed until I saw the information on my mobile app. I called BOA and asked for a courtesy exception and they advised I 've already had a courtesy exception in XXXX and they would n't be able to give a XXXX exception. I requested to speak to a Supervisor whose name XXXX XXXX and I placed my fianc on the phone as I was frustrated. My fianc questioned if there had ever been XXXX exceptions given and he advised that they had but due to the circumstances on my account we would n't be able to get a XXXX exception due to the fact she had XXXX overdrafts ( which were debits and per their policy if its approved at swipe their is no overdraft charge ) XXXX of those were not charged a fee and XXXX had, with the XXXX being credited in XXXX and the most recent being our requested now and how deeply her account is overdrawn. He stated that XXXX exceptions are given and upon further research I know that more than XXXX are given to different account holders. My impression was that because we were n't " High Value '' we were denied a XXXX annual exception. I just feel that it 's discriminatory that others are able to receive XXXX, and XXXX exceptions and we 're not. While the reasons behind the multiple exceptions are privy to each account holder receiving the waiver the fact that it 's given we should qualify if we 're talking about fair banking.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-15 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: AZ

Complaint narrative:
On XX/XX/XXXX2015 I ordered, via XXXX, a XXXX article subscription of the XXXX XXXX for XXXX. This came though my XXXX account which is not my default email program which mean I do n't look at it unless necessary. 
Then on XXXX/XXXX/2015 that XXXX XXXX subscription turned into a, unbeknownst to me, {$15.00} a month subscription. This was reoccurring so before I could notice another charge incurred on XXXX XXXX, 2015. 
When I figured this out, I attempted to unsubscribe from that which I never subscribed to in the first place. The form required a user ID and password for the subscription. This I did not have because I was not a subscriber to the XXXX XXXX. Moreover, the XXXX Kindle {$1.00} payment did not required the set up of a user ID or password. That 's not the way Kindle subscriptions work. 
As a side note I should have known this was a scam because the subscription process required an email address where I submitted my XXXX address. I say this because all Kindle subscriptions come to my Kindle via XXXX Kindle account. 
I did not subscribe to the XXXX XXXX digital newspaper for {$15.00} a month. Nor have I ever subscribed to the XXXX XXXX for a monthly digital subscription. This was a bait and switch by the XXXX XXXX via XXXX Kindle. Buy a XXXX article subscription for {$1.00} that turns into a {$15.00} month subscription. 
I contacted Bank of America and filed a dispute. Then Bank credited my account a total of {$31.00}. And then reversed that credit. I called the bank and they told be that was going to be taken care of and that my account would be credited for the total amount. 
Then I checked my account and the amount of {$31.00} was not credited. 
It appears to me that BOA is siding with the XXXX XXXX. This is a rip off. The XXXX XXXX went through my XXXX Kindle and gave a {$1.00} offer for XXXX articles and then somewhere in the fine print ( read on a XXXX inch screen ) that {$1.00} dollar turned into a reoccurring {$15.00} charge on XXXX XXXX, 2015 adding up to a total of {$31.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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: NY

Complaint narrative:
On XXXX XXXX, XXXX my wife and I went to obtain a pre qualification for a mortgage. Once our credit reports came back, I noticed immediately there were reports of delinquent payments from Navient on my credit. I knew for a fact that I have never missed a payment with Navient, nor have I ever made a late payment. After finding out this surprising information I checked my account history online at Navient 's site. My account history goes all the way back to XXXX, XXXX and shows not one single missed or late payment. 

On XXXX XXXX, XXXX I decided to call the Navient customer support line to get this issue resolved. I spoke with a XXXX ( Representative Number : XXXX ) who confirmed that my account is and has always been in good standing. XXXX also noted that my account shows no late or missed payments, thus proving that I have been incorrectly reported to the Credit Bureau. XXXX explained to me that the only way to dispute this would be to write a letter to Navient 's Credit Dispute Department with a copy of my credit report showing the negative marks and any proof I had that this was a mistake. Unfortunately, XXXX also stated that there is no phone number, email or fax number to contact the Credit Dispute Department at Navient, or anyone at Navient headquarters. Naturally, I was dumbfounded by this. How can a company have no phone number, email or fax line? This obviously raised a lot of red flags for me. The next day I sent a certified letter to the provided address for Navient 's Credit Dispute Department and sent along my credit report and proof of all my on time payments. 

On XXXX XXXX, XXXX I received a response from the Credit Dispute Department in my Navient Account Inbox stating that " the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted ''. This left me pretty enraged. I has proof directly from their website showing no missed or late payments and even had an employee of Navient state that that my account is and always has been in good standing. On top of this, I also became very concerned that Navient provided me with no proof of these apparent delinquent payments. All that was given to me was a letter saying basically that I was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have reported American Express several timeshere. This time I am upset because I have askedthem to cease and desist and three days laterI was sent another threatening email. Also thecyber fraud issues have been going on sinceDecember 2013, which is way longer than 30 days. 
I have told them I feel threatened and asked forproof of investigation and this is finally supposedto be in their fraud department, but they still tryto collect what we allege we do not owe. They saytheir attorney investigated this, but if this is true, then why have we received absolutely no proofof the line item charges we ca n't find that areset forth in the totals they say we owe? This isusing the reporting threat to extort money from usthey refuse to show we owe. They have also notpaid people we authorized to pay, and for which wemade payment. XXXX of these is XXXX XXXX, and there appears to be more of thiswith other companies, which we are investigating, and these things are new cyber fraud issues. Sowhy is n't American Express really investigating, and if they finally are through their fraud departmentthen why are they harassing us withconstant emails and threats to report us to thecredit agencies. Enough is enough! We ca n't be theonly ones to whom this is happening. All we want to do is pay our bill, but only as to the actualcharges we authorized and/or also that we can seein black and white. This is all we ask. Do n't payunauthorized charges. Show us in black and whiteand line by line ( correctly ) how you came up withyour final balance. We pay all new charges in fulleach month, so interest charges do not apply to thisissue. So where are the line item charges wecannot see?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
Beginning when I was an XXXX-year-old university student, I took out XXXX XXXX, now known as Navient subsidized and unsubsidized student loans and later a " XXXX '' loan worth over XXXX between XXXX and XXXX - which was more than twice as much as I earned working my way through college - so that I could attend the University XXXX. It 's a relatively affordable school, but due to the fact that I was raised by a struggling single mother and my job at a XXXX paid only {$XXXX} per hour, I still needed money to make ends meet. I had no idea that, without a cosigner, I 'd end up with credit card-like interest rates, amongst a multitude of other problems. After taking time off from school to work and save money, I earned my XXXX XXXX in XXXX. After graduation I accepted a job working for a XXXX. Eleven short months later I lost my job when the XXXX. Entry-level jobs had dried up and I could n't even get a job at a local retail store. I was on unemployment making {$XXXX} a week for four months. So, with limited ( after rent, utilities, car payment and groceries it was really no income left over ) income and my private student loan payments, interest and fees, I was headed for default. 
Navient 's collectors called me up to 10 times per day, even on weekends and holidays. I spoke to one representative asking them about my options and the only option Navient offered me to avoid default and subsequent financial ruin was to pay a {$150.00} fee every three months to put my loans in " forbearance ''. But interest would still have continued to accrue. I filled out the paperwork and sent in my first {$50.00} check because at XXXX a week that was even a stretch. I have the carbon copy of that check but it was never cashed on their side and still says pending through my bank. My forbearance paperwork was never processed. I 've asked them to open my case and they deny any wrongdoing. Since this time, I 've been back to work for nearly a year and making all payments on time but those XXXX " missed '' payments, because they did n't process my request, have wrecked my credit and have the potential to haunt me for the next seven years, preventing me from buying a new home, leasing a car or getting a job - at least, with one of the 60 % of employers who check your credit before they hire you. I will continue to make my monthly payments to them but I want those XXXX missed payments removed from my credit so I can have a financial future again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a " good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from Bank of America. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen XXXX. Soon after trying to fight the discrepancy, I received a letter from bank of america that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited " recent delinquencies '' and " insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with Bank of America trying to get the issue resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief