vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: The CBE Group, Inc.
State: ID

Complaint narrative:
I continue to receive call from a company called CBE Group XXXX. The have left me voice mails telling me that they will issue a warrant for my arrest if I do n't return there call. They have contacted my family members and told them the same thing. They call my work and when I answer the phone they hang up. This is been going on for over a year now. The debt they are trying to collect on is from 2010 and was discharged in my bankruptcy in 2011. I have voice mails that I have saved on my phone and I have my family to testify to the calls that they have received. I spoke to them a few times and told them that this debt was discharged in bankruptcy but they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
XXXX Medical bill that probably has over 10 years for the amount of {$190.00} Something that was already debate. XXXX keep posting this in my record having my credit score between XXXX to XXXX point lees that the other credit company. XXXX may be want to make money having me contact them an pay for services. I really appreciate your help on this matter.

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 2016-12-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I went into a Bank Of America branch. I made a deposit via Atm, I also changed my pin at the atm. While finishing up I searched for my debit card and could not find it. I traced my steps and checked all my pockets. As soon as I noticed I could not find my card anywhere, I noticed bank of america customer service. When I called the customer service rep told me that I just withdrew XXXX dollars out my account via bank teller. This was a transaction that I never did. I filed a claim and contacted the bank that I just left. A bank teller stated that he thinks I was shoulder watched and that someone pick pocketed me at the atm. My claim was denied and a no one ever notified me from bank of america.

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 2016-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had closed an account with Bank of America well over a year ago. Yes, this is after I was late on a payment but I need then to take the late payment off my credit report I paid them back. However its shows that I was closed and shows its still unpaid in bad standing!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Central Financial Control I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central Financial Control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Hi my name XXXX back in 2015 in XXXX i started school at navient school they gave ipad that would not keep connect to wifi which i was also told when tax time came around i would get school XXXX never receive anything from them and they also have been blowing up my phone the payment when i told them before kicking me out only a week in school that i was having problem with their tablet now their asking for when i move i lost it and cant .my only thing is i never got student XXXX for from them when i got ferdal grant that paid for tablet and they told me after 6 month i will half to start paying for my school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
When I applied for the XXXX XXXX XXXX XXXX and was approved XXXX XXXX, XXXX, I was under the impression I was receiving rewards points. I am XXXX and rely on Customer Service representatives to relay to me accurate information. 
I have called in to inquire about the percentage based on XXXX XXXX and non-XXXX purchases that I would receive in rewards points. I have called to inquire about my rewards points balance. I have called to inquire when this program began if it did n't exist in XXXX like they now claim. I signed up for the program XXXX XXXX, XXXX, and XXXX, a supervisor out of XXXX XXXX, was quick to tell me that they would not give me any retroactive rewards points nor did she offer to compensate me in any way and that signing up for it required no more than saying " I would like to receive them. '' I filed a complaint with the New York XXXX for this being misleading. This went no where. I first received a phone call from the executive office at Chase stating that I would have had to APPLY for the rewards points program when I applied for the credit card. They later sent the enclosed letter which was also sent to the New York State XXXX and forwarded to me. 
On XXXX XXXX, XXXX, I called and spoke to a supervisor XXXX who informed me that if I had just called in to inquire about my account they would not have told me about a new promotion, i.e. the rewards points. She stated that if I had called in asking questions about the rewards points, then I should have been made aware and offered the chance to sign up for the program. When I called and specifically asked about them, as my records partially show, they should have informed me about it and I should have been given the opportunity to sign up. In addition she could n't find the date the program began. She gave me XXXX points which is equivalent to {$50.00}. 
Why could n't they see if more could have been done? Why was n't anything done sooner? Why do they not know when the program began? If it existed since I had the card, why ca n't I be reimbursed since then?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: FL

Complaint narrative:
Since beginning payments on my Navient federal student loan I have called the company multiple times to voice that I was struggling financially, with other debts, with employment, with mental health issues ( precipitated by the prior factors ). They usually swiftly urged me to put my loans in forbearance. I now, nearly 10 years later, owe more than what I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Fraudulent activity occurred in my Bank of America account on XXXX XXXX, 2015. I called the bank immediately after I received a text alert from them. I told them that the money in question was not mine. I told them that I only had about {$21.00} and had neither deposited XXXX dollars nor had I withdrawn {$300.00}. Everything seemed to have been taken care of but on XXXX XXXX BOA took my {$20.00} and caused me an overdraft of {$270.00} XXXX by reversing the XXXX temporary ) {$300.00} credit from my account ). I did not give my pin to whoever accessed my account. I am a struggling student and I need my $ XXXX that they have taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: NY

Complaint narrative:
Selene Finance refuses to engage in loss mitigation options with me. I am willing to do a short sale and or a loan modification. They also refused to validate the debt. I have a foreclosure sale date scheduled for this Friday, XXXX XXXX, 2016. I need time to work my options out with the bank and need the CFPB to intervene because Selene Finance has been reluctant to assist. I have an FHA MORTGAGE AND WAS NEVER PRESENTED THE OPPORTUNITY WITH A FACE TO FACE MEETING WITH A HUD COUNSELOR AS FEDERAL LAW REQUIRES THEM TO AND AS WELL AS MY MORTGAGE CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 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: CL Holdings LLC
State: KY

Complaint narrative:
I received a letter from this company demanding payment. To my knowledge I have never signed a contract with this company and they have never provided me with services or goods

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
BANK OF AMERICA CORPORATION ( nominal name " BANK OF AMERICA , NATIONAL ASSOCIATION '' ) ( hereinafter " BAC/BANA '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX 's '' ) took out a loan with XXXX ( See " Attachment ). To secure repayment, the XXXX 's executed a Mortgage with XXXX XXXX XXXX. XXXX " XXXX as nominee for XXXX which was recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
BAC/BANA is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the XXXX of the Federal State of Hawai'i as Document Number XXXX, BAC/BANA is now the mortgagee of record. ( see " Attachment '' ).

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I failed to be informed by Navient that my income based repayment was up for renewal last year. This resulted in my bank account being deducted a payment nearly {$800.00} more than my previous payments. When trying to resolve this, it took a few months and documentation provided by Navient is unclear and now states I was in forbearance twice. 

After realizing I failed to resubmit my application for income based repayment, I called Navient and explained I could not afford the payment and they suggested I go into forbearance for a short amount of time until the whole thing gets fixed and I will receive a refund from the DOE after I submit my application. This was their suggestion to which I thought was fine. I am now learning that since I went into forbearance, the unpaid interest on my account was capitalized causing my principal amount to to increase almost {$4500.00}. 

They failed to provide me with other solutions and support and I was not aware I would be adding almost {$4500.00} more to my principal amount. 

This seemingly harmless act of forbearance has added years to my repayment and more interest in their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
In XX/XX/XXXX I closed my credit card account with Bank of America. About two months later they processed a " recurring charge '' and sent me a bill, which I paid promptly. On XX/XX/XXXX, I sent them a letter which stated : " I DO NOT AUTHORIZE BANK OF AMERICA TO ACCEPT ANY NEW CHARGES ON THIS CLOSED ACCOUNT '' and " I would like written verification from you that this account is closed and that no additional charges will be accepted. " On XX/XX/XXXX, they processed yet another charge for AAA membership renewal. AAA had notified me that the card on file -- the BofA card -- had expired. However, B of A processed the charge, billed me, thereby ignoring my withdrawal of authorization. I spoke to XXXX people at B of A and was repeatedly told that they could not block future charges, as I had requested. I also requested a letter promising to block the account and to remove me from their data base. The person said, " I 'm not authorized to do that. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We had fire in the house and we were safe but we are in the process to get the house rebuilt with the insurance company 's fund. The insurance company had issued fund to the mortgage company which is BANK OF AMERICA. Now, Bank of America is delaying in releasing the fund to pay off contractors invoice. I want to seek help with CFPB. 
This is just to initiate the complaint and I can give more information later. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have a significant amount of student loan debt. Over the past few years I would call Navient for assistance regarding my account, how to effectively pay down debt, while at the same time still have money for all other necessities, bills, and various monthly payments. I am a XXXX, and combined my husband and I make a decent salary. Navient would come back with an exorbitant amount to pay. I would express there is no way we can afford $ XXXX a month and they would respond urging a deferment or forbearance, without discussing any other options or possibilities. Being that I was stuck between a rock and a hard place I would agree, and am now facing over {$100000.00} in student loan debt and it is terrifying. My husband and I work hard, and strive to maintain excellent credit. Navient is now affecting my credit rating. I call to discuss my situation and end up speaking with a representative who is typically very difficult to communicate with, and never offered any real solutions. Why is it that I ca n't say we can afford to pay {$300.00} a month and that be acceptable? Would n't they rather have something than nothing? It 's no wonder so many are defaulting-we are set up for failure. Any assistance or advice you may have would be greatly appreciated. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I recently received an email from Bank of America ( BOA ) stating that there was a potential fraudulent charge on my VISA card. Rather than call the phone number in the email or click on the link, I went directly to the BOA website. I could n't log in and received a message stating that I could n't access my account, try again later. I also called the phone number on the back of my BOA VISA card. 

I called twice a day, at different times, for 6 days and waited on hold each time for 30 minutes and then hung up. I also continued to try to log into my account, also with no success. This was very disturbing. I finally posted a complaint on the BOA XXXX web page. Several days later I received a phone call ( voice message ) with a new phone number to call. After 15 minutes on hold a representative answered. When I explained why I called I was told that BOA already paid the transaction and that is was n't potential fraud, it was actually a " disputed charge ''. I was told that I was locked out of my online access and I was given the original phone number to call again. I asked if there is an address I can write to and was told no, I can only lodge a complaint by phone. To prevent further charges to my account and because of my inability to reach BOA, I then canceled my VISA card. 

This lack of service/concern is totally unacceptable from a major financial institution. When I received my bill in the mail I saw that the charge was {$99.00} plus international transaction fees for a supposedly free product from a company called " incredible cigs '' and monthly additional charges. I could n't lodge a dispute with BOA, so I paid the bill and will not do business with BOA again. I did find a mail address to write to on my just received bill, but I am on vacation and will now hand write a dispute, but I have no hope that BOA will honor my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS
State: CA

Complaint narrative:
LexisNexis Risk & Information Analytics Group , Inc. does not allow opt-out, security freeze or data suppression of it 's Accurint product. When consumers telephone the Lexis-Nexis Privacy Information manager at XXXX they and ask for opt-out and security freeze ( as those terms are defined by federal law ) from Accurint a representative will offer security freeze of their RiskView product or direct consumers to an opt-out page for PeopleWise or KnowX. These products are distinctly different from Accurint, which is regulated by the FCRA. In fact, Lexis-Nexis is aware of this and states on their webpage XXXX that the opt-out procedures stated thereon applies to a " Non-FCRA Opt-out Policy ''. That page invents new undefined terms like " information suppressions '' and conflates the various Lexis-Nexis products without even naming Accurint. It does mention KnowX and PeopleWise but any reasonable person reading the page would think that a person has to be one of " Public and elected officials, including law enforcement officers, and private individuals who are facing a substantial risk of physical harm or who are victims of identity theft. '' However, this is NOT the case for suppression from KnowX and PeopleWise which anyone can opt-out of. The policy involving those classes of consumers applies to Accurint and there is nothing on that page or on the internet which states a clear procedure for opting out of Accurint. 

In fact, one year ago, I requested to opt-out of Accurint and/or place a security freeze on that product. I telephoned the number above and sent in a copy of a report mailed to me from XXXX stating that I was the victim of a security breach. Lexis-Nexis informed me falsely that my information from that database had been suppressed. In fact, Lexis-Nexis only removed me from a product called " RiskView '' by applying a security freeze to that product alone. 

Lexis-Nexis has been sued over its handling of the Accurint product in XXXX XXXX XXXX et al., v. LexisNexis Risk & Information Analytics Group , Inc. et al., Case No. XXXX. In settling this class action suit in 2014 by paying a XXXX class action settlement Lexis-Nexis promised to change its policies and become " a model of the industry ''. Instead, it remains as murky as ever as to how to be removed from Accurint. There is no clear stated policy on Lexis-Nexis ' web pages anywhere as to removal. Instead, Lexis-Nexis conflates its removal policy for various distinctly different products and misleads the public as to what product consumers are being removed from. This is is being even as Lexis-Nexis has just now begun to mail out checks of {$300.00} to class members.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I applied for a HARP loan with Bank of America. I was told that my loan was approved, but the day of closing they stated that the loan was denied I have not foreclosed on the home, and Bank of America refuses to assist with turning the water service over to the new owner that purchased the property. This should have been done when the new buyer purchased the home. Bank of America has terrible customer service and I am not sure how anyone does business with 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 2016-03-17 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a levy from a debt collector and law firm that is based out of XXXX, placed on my Bank of America Accounts. The levy placed was illegal due to I no longer reside in the state of XXXX, but do reside in XXXX and it is not within the statue of limitations. The levy was released, and only half my money was returned. BOA refuses to give me back a {$120.00} fee charged to my account when this action in the first place was not lawful

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