vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is a follow-up complaint to several other CFPB complaints on this same issue. Yesterday I spent over an hour on the phone with B of A during my work day. This was at least the third call to them to fix the same problem. I also spent over an hour with them on the phone on Sunday, my weekend. The short problem here is my statement posted on XXXX XXXX, I scheduled a payment to occur XXXX XXXX, it did, but they applied it to the prior month, saying because I made the request on the XXXX that is when they applied it. I am not rehashing any of this ; refer back to the prior complaint. While I filed a CFPB complaint yesterday on this ( and a number of times before ), I also called B OF A and hashed it out and finally got a rep who understood, said she would fix it. She said she saw the prior rep errors and that instead of a month behind I was a month ahead. She said she would submit a trouble ticket and fix it. Today I looked online. STILK SHOWIN LATE!! And today their home office retention called me in response to my CFPB complaint. Amazingly this time she again said I am late, the last representative gave me misinformation, so did the one on Sunday in my hour call who said she would move the payment and fix it, so did the one the prior Wednesday who said he would take off the late payment and reflect the account. It is like XXXX XXXX, each time I call they forget and give me old bad information and keep pressuring me to make additional payments when I am a month ahead. I have spent about 6 hours on this in the last week alone, the reward for making my payment one day after my bill!!!!!!!!! I was so enraged just now, I threw my cell phone against the wall and destroyed it. They are out of control. This is the fourth time in one week they have told me wrong information, told me I could not trust information from other representatives, told me I could not trust information for their website, and took an exceedingly rude attitude towards me always saying I am a late payer when I habitually pay within one or two days of each statement closing. I have never been more offended in my life. I need real compensation here and they need to fix their system.

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 2016-05-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America refuses to refund {$40.00} in fees I paid for checks that turned out to be invalid for the purpose the bank promised. I needed certified checks valid for one year. I asked Bank of America if its certified checks were valid for this duration and was assured that such checks issued by Bank of America were valid for three years despite the 90-day expiration date printed on each check. I paid {$40.00} for XXXX certified checks, or {$10.00} per check. The checks were rejected because the recipient has previously been unable to deposit Bank of America 's certified checks beyond the 90-day expiration date. When I returned to Bank of America, the manager was able to refund the value of the checks but told me that, due to " technical reasons, '' she could not refund the additional {$40.00} in fees. Nobody from the bank can seem to figure out how to refund the cost of the checks. Bank of America should ( 1 ) stop providing conflicting information about when its checks expire ; and ( 2 ) issue a refund for the {$40.00} I paid in reliance on the bank 's faulty advice/product.

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 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This is my second complaint. My original complaint # XXXX was responded to inaccurately. Briefly, Resurgent Capital claims they are collecting a debt on behalf of LVNV Funding for the original creditor XXXX.They claim the debt is valid as there is and have been an unpaid balance. 

In consideration of Resurgent '' s response dated XX/XX/2016 to the original file # XXXX, in paragraph XXXX they agree they received monies on behalf of their " third party servicers '', but now claim they returned payments to me as they were unable to honor the terms in my restrictively endorsed letter. So, if what they claim is true regarding returned payments, I requested they provide proof. Forward a copy of the returned/endorsed payments made to me. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 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: CA

Complaint narrative:
I am a XXXX and am now entering my fifth year of XXXX. When I entered XXXX XXXX XX/XX/2011, I deferred both my federal and private XXXX student loans until I am out of XXXX XXXX. My private loan at the time was through XXXX XXXX, which is now Navient. This fall Navient informed me that I had a 48 month limit to my loan deferment, even if I have been enrolled as a full-time student this entire time, according to my promissory note. I found the promissory notes ( I have XXXX loans with Navient ) with the electronic signature from when I took the loans out, and there is no language that says I only have a 48 month limit for deferment. When I disputed that claim on the phone Navient representatives were dismissive, told me all promissory notes have a 48 month limit and that there is nothing I can do and I must pay now, and told me to send all correspondence via a mailing address, rather than dealing with this issue on the phone or online. Additionally they removed all of my original online documentation from XXXX XXXX when my account was rolled over to Navient. I have also paid for forbearance to temporarily lift my loans out of delinquency because they were charging $ XXXX/month payment and this payment is unreasonable. I expect that Navient should have the promissory notes in their accounts and quickly agree to honor our agreement either online or over the phone, and that they should allow me to keep my loans in deferment while I am still a student.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I received 2 collection calls and 2 past due emails from Bank of America. Collection calls! I 'll admit that we have n't been the timeliest this year, but we did bring the account current on XXXX XXXX, 2015. The XX/XX/XXXX statement shows New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015We paid {$310.00} on XXXX/XXXX/15, which should have brought our account to XXXX min. balance due by XXXX/XXXX/15. Now the statement showing the XX/XX/XXXX amount due as this : New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015They were saying that I now have a past due amount of {$190.00}! 
New Balance Total XXXX $ XXXXCurrent Payment Due XXXX $ XXXXPast Due Amount XXXX $ XXXXTotal Minimum Payment Due XXXX $ XXXXPayment Due Date XXXX .XXXXI spoke the a representative this morning who said that it was all in error and that they would get this fixed, however I feel the need to file a complaint. The way they handled this was harassment. The rep did not even apologize. It 's not right to receive collection calls or emails when you have paid! I do not want to see this reported to the credit bureau for their errors. I also see that they repeatedly make these kinds of errors with many other customers. A giant bank should get their act together. Thanks for reading.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
My current mortgage company, Caliber Home Loans, took over my mortgage in XXXX, XXXX from XXXX XXXX, and they have perpetually miscalculated my mortgage payment / escrow, which has resulted in both insurance and monthly payment issues that have significantly affected my finances. 
Shortly after taking over the loan from XXXX XXXX, Caliber failed to make payments to my homeowner 's insurance company ( XXXX XXXX XXXX ). XXXX sent me notifications threatening to cancel my insurance due to a lack of payment. Several phone calls to XXXX, XXXX, and Caliber revealed Caliber had an incorrect address to which payments were supposed to be sent. For the years XXXX had my loan, there was never an issue. XXXX had passed along all the appropriate addresses and information, but Caliber chose to use a different address. Aside from lost time, we had to pay a large lump sum to XXXX to have our insurance continue while Caliber figured out their issue. 
From XXXX to XXXX XXXX, our monthly payment remained the same as it had with XXXX. In XXXX, XXXX, Caliber notified us of a new monthly payment, which was less than what we had been paying. In XXXX, XXXX, we received notification from Caliber our escrow account had insufficient funds to make payments ; therefore, our monthly payment was increasing to cover escrow costs. This new payment was an increase of {$790.00} per month! This was a XXXX % increase in the monthly payment ... a very significant amount with huge impact to our family budget. When I called to discuss the issue, I was told the error was my problem / fault. The implication was they could not be expected to calculate an accurate payment. Any error in their calculation, they claimed, was my issue for not ensuring they, as a mortgage company, could do proper math. Their error, in fact, was completely omitting payment of homeowner 's insurance. ( ANOTHER issue with insurance ... ). 
I absolutely understand that a monthly payment can change due to taxes, etc., but to change by 37 % is exceptional and egregious. There must exist some reasonable expectation between the consumer and the company ( especially a mortgage company ) that basic calculations are done correctly. Their error reflects institutional incompetence ; their attitude shockingly indifferent. They admitted the mistake, but offered no solutions that held themselves accountable for it. 
I 've never missed a payment. I did not ask or seek the relationship I am stuck in with Caliber. As a XXXX, I can not accept their ridiculous lack of accountability. Their comedy of mistakes has and is affecting our ability to save for our children 's education and our retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had applied for and was approved online instantly for a Comenity Capital XXXX XXXX Visa card with a {$10000.00} limit and a {$49.00} annual fee. The card arrived in the mail a week later. I activated it and had barely used it for 5 days before they closed the account due to a " security concern '' which they could not share the details of. They still charged me the {$49.00} annual fee and now refuse to refund it ( even though I had it for 5 days of the 365 days the annual fee was meant for ). They also dishonored the sign-up bonus of XXXX XXXX XXXX points that I was entitled to as per the sign-up agreement and the XXXX XXXX XXXX points I should have received for my spend on the card. 

I have XXXX FICO with a clean credit report, and have never had a closure from any other bank. Customer service was extremely unhelpful as well. I spoke to 3 different supervisors to refund my {$49.00} fee and they all refused to budge. 

This is a direct violation of their own policy as my statement terms from Comenity state : " XXXX FEE : This fee will be charged with the close of your first billing cycle and will be assessed annually in the same month thereafter. We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Cascade Collections, Inc.
State: AZ

Complaint narrative:
I contacted a collection agency that has posted an active collection on my credit report indicating that i do not owe a debt to this collection agency and to remove the collection or provide documents that indicate I owe the debt to them. They replied with a letter about my residence at the time of the original debt and included copies of statements of prior debt to original creditor. No opportunity to dispute and no documents that they have a right to the account or that I ever signed an agreement that I would owe this collection agency in the event of default of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit
State: VA

Complaint narrative:
Volkswagen credit sent me a {$0.00} balance statement from my payoff of my lease XX/XX/XXXX. In that statement in shows that all Residual Value, Fees, Taxes, Scheduled Payments, Rent Charges are included and they gave me a payoff amount of {$26000.00}. I remitted that amount and they sent me my title. 

XX/XX/XXXX or XX/XX/XXXX VW Credit started sending letters asking for an additional {$540.00} for property tax that they say they paid XXXX. I provided the documentation of the final billing statement and the title that was issued and asked for some documentation of the property taxes. I especially pointed out that if they are claiming that the property taxes were paid XX/XX/XXXX, they certainly should have been on the statement that I received on XX/XX/XXXX or shown as possible charges on that statement. VW Credit has refused to provide any documentation showing an error whereby they did n't include the taxes, nor have they provided any documentation that they actually paid the tax. When I go to the City of XXXX to see the documents I ca n't get access to everything because I was n't the owner of the car when that bill was allegedly paid. So, I have nothing to go on. Further, when I have shared this with VW Credit, they have twice threatened to send me to a collections agency if I do n't pay their demand for {$540.00} - even though they refuse now to provide any documentation of the bill. 

I feel I am being harassed and threatened and according to XXXX at VW Credit ( ext. XXXX ) there are a bunch of consumers who are being harassed in the same way without documentation of taxes paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: RI

Complaint narrative:
For the past 4 years I have been trying to get a modification. About 3 years ago the loan was assigned to Caliber Home Loans. XX/XX/XXXX I was a approved for a Trial Period Plan for 3 months, XXXX payment due XX/XX/XXXX in the amount of {$1500.00} ; the last payment under the trial plan was due XXXX XXXX. I continued to make monthly payments as I was waiting for the final paperwork for the modification. XX/XX/XXXX I received a letter stating that I was not eligible for the modification because I did not accept the offer, which is not true as I never received the documents. XX/XX/XXXX, received another letter in which they returned my payment for the month of XXXX. I did call Caliber Home Loans XX/XX/XXXX asking for an explanation and details, and I was told that there was nothing to explain since letters were sent out. In the meantime, I received a foreclosure letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that my property is going to be foreclosed XX/XX/XXXX. I am looking for some help, as I do not want to lose my property in which I have owned XX/XX/XXXX. Caliber not once, helped me or has made any effort to take into consideration my hardship. The currently interest rate is 8.250 %, and an adjustable as well. I can not afford to take any chances as the rate can go as high as 14.250 %. Any help I can get would be greatly appreciated. Attached is all the necessary paperwork to support my complaint. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has been trying to collect a Debt that has been paid in full. They also have entered the information on my credit bureau file showing i still owe the debt with a negative entry. I never received any communication from the original creditor that I still owe this debt. This debt with Speedy Cash ( the original creditor ) has been paid in full. Speedy Cash is evening emailing me on a daily basis to let me know that I can be approved for another loan with their company. I also have screen shots showing that I have no loans outstanding and that my account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: MA

Complaint narrative:
I 'm in a dispute of charges with XXXX XXXX, over a pro-rate charge vs. a full month charge. XX/XX/XXXX a ended my services with XXXX, paid the last month bill ( exhibit A ) and was told that a final bill will arrive in regards to the period between the last billing and the discontinuation of the service from XX/XX/XXXX-XX/XX/XXXX. 

I received the bill but it was a full charge of {$92.00} ( exhibit B ). 
I called XXXX, told that my contract was long expired and that I should be paying only the pro-rate charge. Level XXXX customer service rep. said she could not do anything for me and all the " Executive Customer Service Reps '' were busy, then she took my callback info and said that such rep would contact me in 5 business days. This never happened and instead I received a letter from a collection agency. 

I responded to the letter in writing challenging the charges and demanding them a verification of my debt, they did n't replied to me. 

On XX/XX/XXXX, I received a letter from another collection agency called West Asset Management ( WAM ) about the same charges. On XXXX XXXX I sent them the same letter I 've sent to the previous agency asking again for proof of debt. ( exhibit C ) .This is a standard letter to debt collector asking for proof of debit and requiring them under the Fair Debt Collection Practices Act to do not notify any credit agency until the debt is confirmed in writing, etc ... 

To my surprise, they informed XXXX and XXXX about this collection on XXXX XXXX, and of course my credit score dropped about XXXX points since ( exhibit D ). 

The letter for verification of the debt only came from West Asset Management on XXXX XXXX where they only included the last bill from XXXX, which I 'm aware of, and it is exactly what I 'm disputing here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
a loan application was processed and approved with my name and information in 2013.on my credit report shows i owe a certain amount to a payday loan company which I did not approve of it now has left me with a lower credit score and i am not able to take out any loans if i needed to .also I get calls from debt collectors asking me when will I start making payments. I just want this situation to be cleared out from my credit report and to stop the constant calls from debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
They call 3 to 4 times in a row about every couple of hours and never leave a message. Most of the time if I do answer, they hang up. The caller id says it is Comenity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Weltmem Weinberg & reis filed a lawsuit against me for a debt that was open by someone in XXXX/XXXX/XXXX when i was only XXXX years old. Also I have a Bankruptcy that the Plaintiff has admit. they were aware of that was filed in XXXX and discharge in XXXX they never notify by mail or phone call also\ they got a default judgment against me in stated garnishing my bank account.

Company response to consumer: Closed with explanation