vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Thank you for your time. Everything that Bank of America was charged  with they did to us.forged signitures.no title deed on house.making payments to insurance companies we had no idea about.lied to the court about the deed.Even have them on tape admitting that they messed up.I am fed up with companies using the Va  to make them money. Why? My husband was at the XXXX line. He lived in the XXXX that Bill Clinton called the most scary place he has visited. My husband had to live there. Bullets whizzing by his head. To be cheated by a company that he had to fight for in order for them to grow. But to use XXXX 's to make money. I have proof of every thing they did to us.After going threw XXXX sales, they went out of state, found a realiter that belived them to be working for Va. We lost our home. And can prove that we were paid up.This was so dishonest. And in the end send us a letter saying they they forgave the loan.We need help, and the state of Delaware is to scared to help us. Because to them BOA is a good company for the state.I am sick of XXXX XXXX saying about being a vet.But refuse to help one with proof. Yes we need help. XXXX XXXX XXXX

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 2018-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lucie, Scalf, Sutton & Bougher, Attorney At Law
State: IL

Complaint narrative:
Today, on XX/XX/18 at approximately XXXX, I answered the company phone at my job and it was a call from a collection agency. XXXX XXXX from XXXX, XXXX, XXXX, XXXX XXXX stated that she was calling to talk about garnishing my check. She did not know it was me answering the phone but gave my name out and specifically stated she was calling about garnishing my check. I am not over HR. I am just a regular employee in the office. She didn't ask for my name until I asked was it illegal to give out employee 's name 's regarding garnishing checks to any employee. 

I called the office to speak to the supervisor and was transferred to her number. After I told her not to call the office giving out my personal information, she stated it was not illegal because she sent a letter in the mail to my boss so that made it public knowledge. I am not a lawyer but I did study some business ethics and I know that is not true. She is only allowed to discuss collecting a debt with me or my employer/the person responsible for issuing my check. As a supervisor, I would also expect her to be competent enough to not make such a mistake no matter how eager she is collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I graduated college in XX/XX/2009 with roughly {$130000.00} dollars in student load debt -- some are private and some are federal loans. Since 2009, I have been paying over {$900.00} a month towards my loans, never been late or defaulted. I am actually on the automatic withdrawal plan where the amounts are direct deposited from my bank account. If you figure this up, I've paid over {$90000.00} towards my loans but yet when I look at my principles today, I owe more than I did when I graduated! 

I consolidated my loans back when I graduated and it appears each month, so little is going to each loan that I'm not even putting a dent in the overall principle of any of my loans. I've tried to discuss this with the lenders ( XXXX AND NAVIENT ) but they offer no help. It appears to me they have my loan amounts set up in a way that is most favorable to them to where I WILL NEVER get my loans paid off. 

There is a reason why our generation is struggling financially and this is a great example. THIS SHOULD BE AGAINST the law as both companies XXXX and Navient, are gaining big time off the way my loans are structured. I have not been late on a single payment, have paid over {$90000.00} dollars in repayment, but still my principle exceeds my beginning balance. I have a wife and a young son, and I'm just thankful I have a job that enables me the opportunity to pay this debt, on that is without a doubt set up in a way that benefits the lenders. Any help to restructure my loans in a way that is more beneficial to my overall well being and financial situation would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On this day, XX/XX/2018, at XXXX, I received a voicemail, that sounded 'scattered, ' and almost unable to understand the message. But, they portrayed 'PayPal , ' of which I do not use, and told me that my account (? ) was not able to transfer monies. It was also said that it came from a 'suspicious ' location. It was also obvious that the voice was digitalized. Their ph # is XXXX. Please do what you can, as I will, to stop these annoying robo calls, asking about my personal life. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX card sent me an invoice in XX/XX/2017 for about {$100.00} so I sent them a check for the full amount, although only {$25.00} was due. 
They sent me a late notice in XX/XX/2017 with a penalty. I assumed their notice crossed in the mail with my check, so I didn't pay it. They then sent me a late notice in XXXX with another penalty - saying I now owed {$160.00}. I realized they must never have gotten the original payment I made ( we were having mail problems at the time ) so I sent XXXX the money with the late payment. They reported a late payment to the credit reporting agencies, as of XX/XX/2017.

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 2018-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
My problem I am trying to take off the PMI. I purchase my house on XX/XX/2011 for XXXX. Today the value of the house is XXXX. We paid almost 6 years and I resquested to the bank to remove the PMI they said only when my debit get XXXX I have to pay 4 years more.To get off the PMI even if the value of the house and together with monthly payment I make is more than the 20 % they don want remove the PMI.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
We have been paying automatic payments on the loans for XXXX  XXXX College for our son for years and years and our debt never goes down. When we complain they say that yes it has gone down but in the last eight years of paying on time payments it has not gone down more than a couple of hundred dollars total, for all of the loans. They must be stealing from us. We will never get this paid off. We are not allowed to see how our payments are being applied. As in how much of our money is going to interest and how much to the actual loan. We are being robbed and they will never give us specific information. I think we should be able to see how much of our payments are actually going to the Lon and how much is just interest they are profiting off of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I left my card with the drive thru attendant who was fired for stealing the card. I was XXXX in my XXXX and hospitalized until the XX/XX/XXXX. During this time these purchases were fraudulently made on my card .XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX GA/ XXXX XX/XX/XXXX XXXX XXXX XXXX GA/XXXX   XX/XX/XXXX XXXX XXXX XXXX GA/ XXXX XXXX XX/XX/XXXX XXXX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX when I logged into my account after a long time I noticed the transactions and immediately called and reported the transactions. The bank included a charge I made and tried to say that these items were delivered at my location and purchased by me. I filed a police report with the XXXX police dept who told me it was incorrect and needed to be filed in XXXX which I did and reported to the fraud investigator. The fraud investigator said it was something wrong with the report and that they didn't have enough information to say who did the charges. I asked why didn't they call the police to find signatures and photos of file he refused to do his job. I asked for a manager and still haven't heard back from one!

This company promises 0 fraud liability for fraudulent charges but they are asking me to pay for charges that I didn't do and didn't even conduct an investigation or have anyone call me. They tried to say it was me but I have proof I was in the hospital and I have no authorize user on my card. I shouldn't have to pay for someone else charges just because they cant do their job. XXXX of fraudulent charges that have nothing to do with me I have left a thousand messages and the guy XXXX keeps calling a phone number that doesn't belong to me and accusing me of owning the number because I worked for the XXXX XXXX I explained I worked in a different location he keeps saying no you work here. I want this to be handled correctly and the correct person to be arrested. I want them to do their job and stand by their policy.

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 2018-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
My main complaint for today. Portfolio Recovery Associates has not updated any information to the credit reporting agencies. PRA has not updated anything for the past two years. I was unable to have PRA update to the credit agencies. I had tried calling them with several phone calls. They had refused to send out updates to the three major reporting agencies. I was shocked that they would not update anything. I am requesting that they make updates and send them out to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I never opened the card and reported it a lot of times to the bank, they still keep sending me bills and reported on i a credit bureau.

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 2018-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have student loans from the years spanning XX/XX/XXXX-XX/XX/XXXX for XXXX and XXXX school. They are a combination ( roughly 50/50 ) of FFEL Stafford Subsidized and Unsubsidized loans.

All my loan information was accurate as I made payments and dealt with financial hardships to arrange for Forbearance and Deferments, while I was with my original loan provider, Sallie Mae. 

My load was sold to Navient in the year XXXX, and at this time, things took a confusing turn. My loan principle went from its original {$60000.00} to {$81000.00} what it seems was as a result of the transition plus further increases over first few years the loan was with Navient. The amount taken in by Navient is also far off from my original principle amount. I believe the additions to my principle were a result of interest capitalizations I was unaware of and uninformed of. After many attempts to get solid information from Navient, information that made sense based on my interest rates and also subsidization of my loans, I was unable to receive an answer that matched up to what I understood. The customer service reps seemed scripted and also uninformed and provided very very general information without any detailing of interest charges. 

My interest rate also went up 1 % and there is a notice of another consolidation in XXXX, but I have record and recollection of only one consolidation on my end, which was earlier, prior to XXXX school. Again, several things that did not match up took place when the loan was sold to Navient. 

As such, I believe I am a victim of what Navient is being taken to court over, and want to see if it is possible to get more robust information on what occurred when Navient took over the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
On XX/XX/2018, I opened a premier checking account with Valley National Bank that offered a {$200.00} bonus with qualifying criteria. It has already been 90 days and i have had my direct deposit in the account, yet the bank has not issued the promised bonus.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Selene Finance LP
State: CA

Complaint narrative:
i am trying to refinance the existing mortgage and the current loan holder is not providing me witht then ninformation i am requesting. i submitted the request and they are telling me it will take 30 days to reecive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CASHCALL, INC.
State: WA

Complaint narrative:
I opened a high interest pay loan with Cash Call. In XX/XX/XXXX and they have marked my account as late on three separate occasions on my credit when I first, requested the pay date be changed so that my account was debited on a different date. The representative asked for all my information. On XX/XX/XXXX and XX/XX/XXXX, those payments were not reflected correctly and caused overdraft fees and late payment on the account. In XX/XX/XXXX, again, they show a late payment when the payment was made on time and reflected one day late. If you note on their terms we have the ability to change that withdrawal date. 
I was not notified that it would not be honored in XX/XX/XXXX. Also, they state in the paperwork that they will notify the persons responsible for the loan if any ACH is not honored so we could have an opportunity to correct that problem. That did not happen on any of the cases. 
I have called, written, spoken to supervisor to notify them and they just respond with a generic letter. 
Therefore, I would not only like my case looked into, but the practices of this company. 
WE are at their mercy to say if I called, or did not call. Perhaps, call logs might be retrieved as my communications have been more than several. 
I incurred hundreds of dollars in overdraft with Cash Call and I should not be marked on my credit report at all when I called to change the ACH debit dates as well as their lack of communication on letters they state were sent. I would like proof of those demands, as that is what they ask of the consumer, proof we paid and when. 
Thank you for all of your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX , XXXX, PA XXXX HQ closed my account with two of the bureaus XXXX and XXXX, however they are still reporting it active with Equifax. They are reporting the account still open and that I made a current payment in XXXX. I have not made a payment to them since XXXX the account has been closed however they are illegally submitting false documentation to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There was a fraudulent charge on my checking account. After contacting my bank, which I was put on hold for 30+ min., I was transferred to the Fruad department which told me to open a new account at a physical location. Upon visiting a location and opening a new checking account, I had called BofA back, another 30+ min hold, to be transferred to a fraud department telling me it was a different fraud department handling my case. On hold for an additional 30+ min, I finally reached the second fraud department that ensured by the next business day that the funds that are mine, would be transferred to the new account. It has been 4 business days and a weekend of time and the money is still not transferred for use. Very frustrating when you have bills to pay.

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
Consumer complaint received 2018-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
Original Request for Loan Modification : XX/XX/XXXX. For loan # XXXX. 

I complied with all Carringtons request for documentation. I sent materials requested by Regular Mail, by XXXX XXXX, and by Fax. Each time I would be infomed that some part of the documentation was. Not received or missing this occurred on a bi monthly basis. 
I was asked to repeatedly send in the following documents : two months Social Security statements, Proof of Rental Incone, Tax Return, Business Tax letter of explanation, Form 4506t, Bank Statements with my name circled, Request for Mortgage Assistance, Paper Statement of Bank Account, Profit and Loss Statement. 

These are the individuals I have spoken with over the past year : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These are the dates in which I have supplied the requested documents beginning : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All these requests and returns were sent in XX/XX/XXXX The pattern continued for the year XX/XX/XXXX. Requests and dates sent XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, As you can see, I have been exceptionally diligent only to be given the royal run around Please investigate this recalcitrance on the part of Carrington Mortgage so that some resolution is made Thank you for your kind attention

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
THEY ARE CONTINUING TO SEND ME BILLS FOR AN ACCOUNT I SETTLED ALMOST A YEAR AGO TO GET ME TO PAY IT AGAIN. THEY REPORTED TO CREDIT BUREAU AND DROPPED MY SCORE. I DISPUTED AND THEY CONTINUE TO REFUSE TO RESOLVE THE ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Guidiville Indian Rancheria
State: FL

Complaint narrative:
I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$1200.00}. APR is 647.79 % with a total finance charge of {$6000.00} over the life of the loan, spread across 20 ( twenty ) semi monthly payments of {$360.00} which began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH, and I have recently revoked my ACH debit authorization.

Company response to consumer: Closed with explanation