vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Beginning in XXXX, I visited the XXXX dealership in XXXX, TX. I was purchasing another vehicle and decided to take my XX/XX/XXXX XXXX to the service department. I was having issues with my XXXX, which is covered under the extended bumper-to-bumper warranty I purchased. 

I dropped my car off for them to look at the XXXX issue and to perform a XXXX mile tune-up on my car, which cost me over {$700.00}! When I came to pick my car up a few days later, I noticed after leaving the dealership the XXXX issue was not resolved. I immediately called the dealership and they advised me to bring it back in a few days, which I did. 

Upon bringing the car back for the SECOND time, the XXXX dealership put me into a rental. They kept my car for a WEEK and then called saying they were not certain what the issue was and I needed to come get the car. They said they would order a new radio and when it was received I could bring it back and they would replace it. 

I later brought my car back and they put me into a rental car again. This time the dealership kept my car for FIVE solid weeks. They returned my car to me on XXXX, which is the last day my warranty was valid. 

After leaving with the car, we noticed the XXXX issue still was not resolved and now we were having additional issues with electronic components ( thermostat read XXXX degrees, all of the time, and when I changed the temperature of the air conditioning it would also change the mode, which are controlled separately ) Again, I called the dealership to let them know. I was asked to bring the car up there on XXXX at XXXX Unfortunately, I was unable to make it to the dealership in the morning due to work ; however, we brought the car up there at XXXX - just six hours later. 

When my boyfriend arrived at the dealership he was informed that they would not look at the car because we were not there on time, they would not simply take the car and give us a rental because they had to diagnose the car to ensure something was wrong with it - mind you - this is NOT a new problem. The manager, XXXX refused to talk to me on the phone and made me speak with the Service Guy and she also said that unless we could prove that they caused the additional electrical issues, we were going to have to pay for those out of pocket. 

It is ridiculous that a consumer can pay thousands of dollars for a warranty, be charged interest on top of that, and not receive the level of service they should. THIS IS A COMPLETE SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XX/XX/XXXX, during the mortgage meltdown, our equity lender Nave Federal Credit Union ( NFCU ) foreclosed on our home. During the foreclosure process, they refused to negotiate with either us or our attorney, despite raising our equity loan payments from {$500.00} per month to over {$3000.00} per month. 
We are federal employees with security clearances and just found out that even though the equity loan was part of the foreclosure, NFCU is reporting this as a " chargeoff '' on our credit report which is now effecting my financial credibility during my reinvestigation. I 've reached out to NFCU for resolution and they 're referring me only to their collections division. The foreclosure was in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Bank and TJ Maxx rewards card. Have fraudulently placed a cease and desist on my account. This prevents me from being able to make a settlement with them. This cease and desist is nonsensical because the representatives claims that I would not receive statements from them or any information although I have been continuously contacted by them via email. And I spoke with synchrony in XX/XX/XXXX about another account I had with them. If this was the case I would have never been contact by synchrony. In addition during the call they kept requesting that I verify myself even though they had already spoken in depth with me about the account and the options for the account and already had read to me " this is an attempt to collect a debt '' they verified my name. My phone number was verified already in the system. I had verified my social security number already and after explaining to me EVERYTHING about the account. they then want my social security number in order to tell me the account number.

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 2017-04-13 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: EOS Holdings, Inc.
State: TX

Complaint narrative:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a debt in the offices of EOC CCA which is a student loan. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with EOC CCA. This was a student loan that is with XXXX. My student loans should be in deferment because I am still XXXX to get my certification to become a XXXX. In this case no one should be contacting me to pay any student loans back until six months after I finish college. 
Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I have proof that EOS CCA does n't have the right to be contacting me about my student loans because I am still in school and they are not in compliance with Texas Law concerning debt collectors. Please have EOS CCA to prove that they have the rights to collect in the State of Texas. Because I am providing a Texas Debt Collectors Search from the State of Texas Secretary website to prove that EOS CCA is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
My XXXX home loan was just sold to SLS in XX/XX/2017 while in the process of trying to obtain a loan modification. SLS demand the same loan modification documentation again which have been provided on numerous occassions. Last week I received a threatening foreclosure notice from SLS while my loan modification review is still pending. SLS is not allowed under federal law to engage in dual tracking - which is beginning foreclosure proceedings while at the same time processing a loan modification request. I have called them to complain but received the run around. They have a horrible customer service. SLS has refused to abide by the CFPB 's new guidelines and failed to bring its system for processing loan modification applications into compliance.

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 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My wife died on XXXX and soon after Bank of America ( BOA ) froze her checking account and forwarded forms to be completed and submitted after probate. Connecticut has XXXX forms of probate filing : standard and small estate which is for estates have no more than {$40000.00} of solely owned assets. As the named executor of her will I filed under the latter. It should be noted that the small estate filing does not require that assets be transferred to an estate account pending disposition. 

Upon receiving the appropriate probate form I took it and the other required forms and documentation to the nearest BOA branch for assistance with their completion and submittal on XXXX. Bank representatives assisted in filing in the forms and said that they would electronically submit them. I requested a check payable to me and was informed that it would take three to four weeks for the processing and that I would receive a check within that time frame. 

Because I had no status reports from BOA I called the phone number on their document on XXXX and was told that they had no record of receiving any filing. I was instructed to return to the branch and have a branch representative contact them so that this could be resolved over the phone. 

I returned to the branch and after much phone conversation between the branch and a central location they agreed to issue a check for deposit to an estate account. The branch representative stated many times that there was no estate account and that it was not required. Basically the central location was saying no estate account no check, completely ignoring Connecticut law. The State of Connecticut Petitioner 's Probate Certificate XXXX Rev. XXXX sates : " The undersigned hereby certifies that the petitioner in the above-named estate has been authorized by the court of probate in accordance with the provisions of C.G.S. XXXX to sell or transfer the following : Bank of America Checking Account '' Because by now I was totally disgusted and wanted nothing more than to get out of there I agreed to accept a check that they would overnight. 

Upon receiving the check which I could not deposit, I contacted my lawyer who stated BOA routinely ignores Connecticut provisions. I have asked others if they had similar experiences with BOA. All were uniform in stating that in any dealing with BOA, they dictate the result. 

I request that BOA be directed to accommodate state laws that may have may require their acquiescence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: PA

Complaint narrative:
My home and cell phone numbers have been on do not call list for almost a decade and we have held those numbers for many years longer. All of our numbers also identify us by name when calls go into voicemail. A gentleman by the name of XXXX XXXX with Mercantile Adjustment Bureau has been calling our numbers for at least the last 4-5 years and leaving message about the debts of people we do not know, most recently one he identifies as XXXX XXXX. I have repeatedly told XXXX we 're on the do not call list and debt free and that he is calling us and leaving us messages even though he clearly knows by the ID that we are not the debtor ( s ) name that he is calling about, I have filed complaints about this company with the do not call list and this appears to be useless, since I gather debt collectors are not among those they have jurisdiction over and exempt from their lists. I 'm hoping perhaps that the XXXX could take this on as a case? I believe this is clear case of consumer harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a Health Savings Acct with Bank of America. SEE BELOW.. 
Recently, we let you know about upcoming fund changes to the investment options available in your HSA, as well as the upgrade to your health account that 's coming soon. This is an important reminder that in order for your investments to transfer in-kind during the upcoming upgrade, the auto-investment feature must be enabled on your HSA Investment account before XXXX at XXXX. 
XXXX. If the auto-investment feature is not enabled, investments will be liquidated with proceeds placed into your HSA Cash Account. The cash will remain in your account until you make new investment elections. 

Here 's what you need to do if you prefer your investments to be transferred in-kind : Before XXXX, confirm that the auto-investment feature is enabled on your HSA Investment account. On XXXX, your shares will be moved in-kind to Merrill Lynch XXXX. Your auto-investment elections and {$1000.00} investment threshold will also be mapped over as part of the transition. 

How to confirm auto-invest is enabled : Log in to XXXX Click on " Investment Balance '' in Account Balance & gt ; select Continue & gt ; Investment Summary tab. If auto-invest is disabled, click on " Automatic Investments '' & gt ; check " Enable Auto Investments '' & gt ; submit & gt ; confirm. 
Your investment elections must total 100 % before you can turn the auto-investment indicator on. 

What will happen if the auto-investment feature is n't enabled by XXXX? 
If the auto-investment feature is not enabled, your HSA investments will be liquidated on XXXX with proceeds placed into your HSA Cash Account. You 'll have access to these funds on XXXX and can select your investment elections as part of your account set up. 

Please ensure you review the status of your auto-investment option and make any necessary updates to your account before XXXX at XXXX. XXXX if you would like your funds to move in-kind during the upcoming upgrade to your account. 

If you need help or have any questions, please contact the Customer Care Center number on the back of your HSA debit card. Our Customer Care Associates are available 24/7. 

My investments within the account are not showing up and the consumer can not enable the auto investment link. I have been on hold for over 20 minutes and you can not email them. THIS IS INEXCUSABLE! If I lose the portion of my account that is invested I will sue the bank and make this as public as possible. I DO NOT RECOMMEND ANYONE USE BofA 's HSA services.

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 2017-04-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX 2017, I went in person to the Chase Bank Chase located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX in order to pay off and close my Chase XXXX XXXX Credit Card. I clearly expressed my intention to close the account to the teller and requested the full amount to pay off the account, which I further stated may be a different amount than the account balance. I was given an amount of {$14000.00}, and I wrote a personal check for that amount. The teller stated that in order to close the account, I would either talk to a personal banker in the branch, or call card services. There was a long line for the one personal banker, so I opted to call card services. 
I placed the call the same day, approximately an hour after leaving the branch. I stated my intention to close the account, I was offered {$200.00} cash incentive to keep the account open which I declined. Once I was assured the account was closed I ended the call. 
On XXXX XXXX I answered a call that caller ID recognized as Chase Bank. 
When I answered the call, the call was immediately terminated by the caller. I was puzzled by that call and on XXXX XXXX I went in person to the Chase Bank Branch to verify the account was closed. The teller verified the account was closed, and gave no other indications to me. 
On XXXX XXXX 2017, I received a letter from Chase Card Services stating that my account was past due and that I needed to pay {$290.00} in order to avoid additional late fees. There was no break down of the charges/amount in the letter. This was the first indication that I received from Chase that they had made an error and that somehow I was expected to pay for it. I called the XXXX number and spoke to two separate customer services representatives stating that I wanted the amount cleared, and that I felt that I should NOT and would NOT pay the fee or penalties for a mistake made by their personnel. 
I would like CHASE Bank to correct the issue, and send me verification that my account is closed, and further that no further fees, interest, etc will be charged. Additionally, I would like CHASE to verify that no negative remarks or information regarding this is reported to any credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I have had a home equity line of credit for a few years. I opened it with a bank that has subsequently been purchased by BB & T. When BB & T purchased the bank, they split my account into 2 different account numbers : a fixed account that has the balance of my original loan, and a variable amount from which I can take additional funds. I have never taken money from the variable account. 

Beginning in the winter of XX/XX/2016, BB & T began applying my payments to the variable account, which has a XXXX balance, and charging me late fees on the fixed account. I attempted to resolve this at the branch and by phone a number of times. They advised me to change the account number that I use via online banking, which I did several times. Each time they have reversed the late fee and corrected the charge -- however it takes me between 30 & 90 minutes on the phone and on hold to resolve it. They have even had their collection department make harassing phone calls to collect a payment that was not late. 

Most recently, on Monday of this week I spoke with a supervisor who told me the issue was resolved ; and gave me yet another account number to use to ensure that payments were applied to the account with the balance. This did not resolve the problem, and I received harassing calls from their collection department again today.

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 2017-04-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, my wife 's mortgage loan with XXXX was sold to Caliber Home Loans beginning in XX/XX/XXXX. Our issues with the sale of our mortgage are many beginning with XXXX. Their claim was that our payments were late even though our payments were sent return receipt requested showing payments arrived on time. XXXX began returning our payments and threatening foreclosure even though we had a agreement from one of their representatives to fix so called problems. In any case the loan was sold. My wife has since passed away ( XX/XX/XXXX ) and I as her executor and beneficiary I have beentrying without success to get any reasonable or knowledgeable responses from Caliber Home Loans. They are as follows ; 1 ) We had a modification in XX/XX/XXXX with XXXX and with the contracts mandated for my wife to sign was a life insurance policy for the principle of the loan. With the sale of the loan to Caliber, which we were never given a notice of, this life insurance policy disappeared and were never given the choice of continuing on with the policy. XXXX was the beneficiary of the policy and XXXX paid for the policy through our mortgage. The mortgage was bought by XXXX who has changed the loan with no agreement from us. 
2 ) We have tried to get an explanation and accounting of how this mortgage grew from {$200000.00} to XXXX. Enclosed is a copy of the last XXXX statement and the first Caliber statement. 
3 ) Enclosed is a copy of the modification that Caliber has given me 15 days to sign even though I have repeatedly requested this information. We are willing to continue to make payments while this issue is being resolved. 

This could all be resolved if I did not keep getting different answers from everyone I communicate with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dispute inquiries that were not made by me however i have not heard back from 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 explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: COAST PROFESSIONAL, INC.
State: AL

Complaint narrative:
I am trying to get out of default on my student loans. I had a Stafford Direct Loan, but I am now dealing with Coast Professional Inc. The person I talked to on the phone said that due to my unemployment, I can send {$5.00} every month for nine payments to get out of default. I receive XXXX income before I am unable to work, because I have to give my XXXX mom 24 hour care. I sent a letter from my mom 's doctor confirming this to Coast Professional. I filled out the paperwork and have sent the monthly payments as required. Now, they are calling constantly, saying my request was denied ( I never received any paperwork on being denied ) and they are now demanding more money and my Food Stamp information and said that my food stamps could be claimed as income. According to the Food Assistance program website, it states that food stamps is not to be considered income or legal tender. I am afraid that Coast Prof is trying to take away my food stamps. My food stamps is the only way I am able to feed my elderly mother and myself. How is this legal? They are still calling and harrassing me, despite the {$5.00} money order I send them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I disputed inquiries that were not made by me however I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 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: Trident Asset Management, L.L.C.
State: NJ

Complaint narrative:
This debt was paid and the collection agency should have never reported it to the credit bureau. This debt originally came from  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation