vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I defaulted on a Bank of America credit card, which caused my promotional rate to sky rocket to the default rate. I contacted BofA and asked them what my options were to get the rate lowered, they told me I could opt out, that would close my account and look in a lower rate until the balance was paid. I agreed to do that. A few months ago i pulled my credit report, I see that BofA is reporting " account closed by creditor '', I disputed this with the credit reporting agencies, BofA responding saying that was correct. I sent them a certified letter, letting them know that they are reporting incorrect information, they responded saying they are not. I called and spoke to someone that told me my account had been closed by the creditor, in XX/XX/XXXX, I told them, thats false, i closed it in XX/XX/XXXX. We have gone round and round, they claim they have done XXXX investigations and found that they in fact closed it in XX/XX/XXXX. Well I was either mislead in XX/XX/XXXX or im being mislead now, and in XX/XX/XXXX i was not informed they closed the account, had i been informed I would have told them then that was incorrect. Only did I find out their claim to have closed the account in XX/XX/XXXX, during my attempts to have them report correctly to the credit reporting agencies. I closed the account in XX/XX/XXXX, regardless of what their bias investigation is showing now. there has been no activity on the card except payments since XX/XX/XXXX. Bank of America is such a huge corporation, its hard to believe that they have such shady business practices. Lying to their customers.

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 2016-11-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
FAILED TO PROVIDE PROOF OF CLAIM : ORIGINAL PROMISSORY NOTE WITH SIGNATURES. Please provide me with the documents I have requested and a detailed answer to each of my questions within the required lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional QWR letter. PLEASE ENSURE THAT ALL RESPONSES ARE IDENTIFIED AND REFRENCED FOR EACH ITEM and/or POINT OF REPRESENTMENT OF FACT. 

Copies of this Qualified Written Request, Validation of Debt, TlLA and request for accounting and legal records, Dispute of Debt letter are being sent to FTC, HUD, Thrift Supervision, all relevant state and federal regulators ; and other consumer advocates ; and my Congressman within 30 days. 


It is my sincere hope that you answer this RESPA REQUEST in accordance with law and the questions, documents and validation of debt to the " XXXX '' are correct and any abuse ( s ) or scheme ( s ) uncovered and thoroughly documented.

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 2015-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Short sale occurred. XXXX. Credit report shows short sale, but we are being turned down by XXXX XXXX as they are showing foreclosure, and saying XXXX of the XXXX credit bureaus are showing it 19 months ago not 32. We are renting and our lease is up soon and now we may be without a home due to a reporting error that Bank of America did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, On my existing account with Bank of America, with a number : XXXX XXXX XXXX. A recent summary from my account Bank of America is charging {$35.00}. The charges were made on the following dates XXXX, 2015, applies " unfair '' actions. Is attached XXXX document. Bank of America misleading on statement, such as by telling that " heck card and ATM transactions generally reduce the balance in your account immediately, '' that money comes right out of the checking account the minute you use your debit-card, '' and that " [ I ] if you do n't have enough money in your account to cover the withdrawal, your purchase wo n't be approved. In addition, the bank of America online banking service displayed pending transactions to customer in chronological order, only to rearrange them in high-to low order at the time posting in order to maximize the number of overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I 'm a veteran who returned back to school & made student loans through XXXX XXXX Borrowers. I became XXXX & filed a form of Forebearance from XXXX XXXX Borrowers which after much struggle & filling out forms got my loans forgiven. Then along comes Navient claiming I need to pay the same amount of money that XXXX XXXX had forgiven me in 2015. I attempted to clarify this up with Navient but the representative did not want to hear my story, claimed I went to a school in Georgia & threatened me with stiff payments & no restitution of said debt. He was very rude & obnoxious. I have proof of XXXX XXXX forgiving me the debt because I 'm XXXX & unabled to work

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:
I made payment arrangements and I was told the amount would be the same until my loans are paid off. I paid the same amount every month but then when I called to check on the pay off date, I was told that I was behind in my payments. My loans were sent to a collection company. I contacted the company and started making payments to them in the same amount each month. When I called to check on my account, I found out that I was in default for non- payment. I told them that I did n't understand how that was possible because I have the bank statements showing my monthly payments. They returned some of my payments from the company but it was still showing that I was behind on my payments. They recommended that I apply for a forbearance to catch up, so I did. Then, it happened again, I was making regular payments and When I called to check on my Account, I was so far behind ( the a, punt that I needed to pay each month changed and I was n't aware ) that I could n't catch up and they told me that I could do a forbearance to remove the amount that is passed due and start fresh after the months of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was behind on my loans, and I called about two months ago to get set up on a payment plan. They continue to harass and make threatening phone calls after I have made XXXX consecutive payments. I have asked them MULTIPLE times to stop calling and they always blame the issue on " system error ''. I am at the end of my rope and I do n't know what else to do!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Vehicle loan with B of A was paid off in XXXX 2013, but there were late charges that had accrued on the loan. These late charges were disputed with B of A, but it took several months to actually get a response. Eventually the late charges were paid off. However, Bank of America continues to report the ENTIRE loan as a charge off and has not updated the account as paid. I want the account either reported as paid in full or, at the least, a notation put on the account that only the late charges were a charge off, but that the auto loan itself was paid as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX/XXXX/XX/XX/2015 at XXXX a recorded conversation was started between myself and a customer service rep from Bank of America XXXX At XXXX point she had a supervisor there asking questions and providing answers. The phone call was recorded and was over XXXX minutes in length. After months of calls, this representative was helping me. She said that if I made an additional payment of {$23.00} ( details are on the phone call ) that she would waive the late fee for XXXX that was placed on my account because I was XXXX day late. As an aside, I have not received paper or electronic statements from Bank of America in quite some time. Because I have been calling to dispute the late charge for months and only paying the previous minimums due ( {$25.00} ), Bank of America kept adding late fees and past due amounts. ( They added a late fee for XXXX, in XXXX, because I did n't pay the late fee, the considered the XXXX late fee a past due amount, and another late fee ) On the phone call with the representative and supervisor on XXXX, the was an agreement made to resolve the issue. They agreed on a recorded line that if I paid an additional {$23.00} ( I already paid the minimum of {$25.00} ) that day ( I did and have proof ) that they would waive the late fee for XXXX. This meant and they agreed that there would be NO late fee that carried into XXXX and therefore no past due amounts or subsequent late fees because I had made been and kept making the minimum payments due on time. After hanging up and making the payment, Bank of America NEVER made the changes and returned my account to " in good standing ''. They LIED. I called to complain and went into a branch as recommended a long time ago but a credit card rep of bank of america to launch an official complaint. Bank of America has refused to pull the phone call and do what was agreed upon. They are still charging my account with past due amounts which should not be there. They are also ruining my credit. I do not owe additional hundreds of dollars for being 1 day late and yes, I have proof that I made payment 1 day after the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Select Management Resources, LLC
State: NC

Complaint narrative:
Please investigate this company Loan Max XXXX XXXX SC. This company is scaming on people who are in need of help. I got a title loan for {$1200.00} in XXXX incriments and now they saying I owe almont XXXX this is n't fair they have a 300 % interest on their loans at the time of signing contract your thinking OK am going to pay this off real soon but what they feel to disclose is the daily interest on the money is what kills people and make it to where they ca n't afford to ever pay off the title loan. PLEASE HELP THIS IS CRAZY AND NEEDS TO BE ADDRESSED ASAP!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
I had to go to XXXX for work and called XXXX XXXX XXXX to cancel my XXXX service on XXXX/XXXX/XXXX. On the call I checked with the representative if I owed any pending payments, and got a confirmation that I do n't have any pending payments as of XXXX/XXXX/XXXX. 

Though I was in XXXX, I continued to monitor my Credit Score and credit history and I noticed a sudden drop in my credit score in XXXX XXXX. I pulled my credit report and noticed a collection item for {$36.00} in my report which was a collection attempt made by XXXX XXXX XXXX. 

I contacted XXXX Immediately and they confirmed that it was their attempt. A bill was generated on XXXX/XXXX/XXXX for {$36.00} which went to collection. I paid the {$36.00} on the very day I had called them ( XXXX XXXX XXXX ). 

I explained to them and later argued that it was no fault of mine since, on XXXX/XXXX/XXXX I was informed that I did not have any pending payment and I did not find the need to check my online account after that ( I usually opt for paperless bill, but not sure in this case ). 

I have been their customer for over 5 years and have made an average transaction of over {$1000.00} per year. I am a very responsible customer for not only XXXX XXXX XXXX, but also with any other service provider and deal with everyone with absolute Integrity. {$36.00} is a very insignificant amount for me. I did not miss the payment deliberately. 

I returned to USA on XXXX/XXXX/XXXX and have plans to buy auto and home loans, but due to the hit with my credit score, I am being classified as a sub-prime borrower and getting offers with a very high interest rate. 

Also, XXXX XXXX XXXX are not owning responsibility for their mistake to this day. They made me go in circles to contact the collections agency ( Southwest Credit System ) who directed me to the Credit Bureau ( XXXX ), who in turn directed me back to the collection agency and finally back again to XXXX XXXX XXXX with no improvement to my situation. 

At last, they agreed opened a case with the assurance that nothing good with happen with the case. I mean how can anyone act in such an apathy. 

Turns out that this is not an isolated case and many of my friends who were in similar situation felt victim to this modus operandi of XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Deceptive advertising by Huntington Bank regarding 24 hour grace for overdrawn accounts. I write very few checks on my Huntington Bank Account. Most of my transactions are EFT set-up for automatic payments. EFT for automatic transactions are allowed 24 hour grace for unlimited number of times. 24 hour grace for a check is allowed only once in a 12 month cycle, according to the local branch and the online agents. In addition, a check written does not show up until after the close of processing for a given day. When a forgotten check for {$75.00} showed up recently, creating a shortage of {$48.00}, I was charge {$37.00}, even though I immediately transferred over {$1000.00} from my savings to cover the shortage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10 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: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
XXXX is trying to charge me for telephone service after I started with XXXX. I moved my service from XXXX to XXXX XX/XX/2016. XXXX falsely wants me to pay for several months that I did not have service with their company. They were notified of the change, twice. 
I received my XXXX XXXX effective XX/XX/2016. XXXX is trying to bill me for 2-3 months after that date. I Paid {$260.00} on XX/XX/2016. The last payment for service prior to XX/XX/2016 was made XX/XX/2016 for {$270.00}. I do not owe XXXX anything. They appear to be upset because I transferred my service. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
The account that now appear in my credit report were dispute removed because the accounts have a wrong balance. Now the account appear again in the history, I am willing to pay a part of that balance to clear my credit but I do not consider it fair to pay everything Since that balance is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: FL

Complaint narrative:
I was mailed a prepaid card from a company called netspend. It 's hard to parse through all the information provided, but they have sent me a full XXXX debit card with my name on it and a valid card number, I have not applied for credit, opened an account, or had any dealings with this company. 

I believe this is a deceptive technique designed to confuse consumers and trick them into opening accounts with netspend so that they can charge people their ridiculous fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
On XXXX XXXX, XX/XX/2013 I applied for a mortgage loan with The Huntington National Bank. Mortgage Loan # XXXX. I was pre-approved for a XXXX year conventional loan at 4.375 %. On XXXX XXXX, XX/XX/2013 my loan was approved and I locked in an interest rate of 4.75 %. The rate lock expired on XXXX XXXX, XX/XX/2013 and the mortgage rates subsequently decreased. As the rate of 4.75 % had expired and new rates were lower I asked XXXX XXXX ( NMLS ID : XXXX ) as ( XXXX ) XXXX to give me the new lower rate but she refused. I closed on my property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) on XXXX XXXXXX/XX/2013. Is this legal? What are my rights? I wish to file a formal complaint and have CFBP and any other governmental agency with jurisdiction to begin an investigation into this matter. I have mailed your a hard copy of the pre-approval letter as well as the approval letter for your review. 
Sincerely, XXXX XXXX ( mobile ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: TX

Complaint narrative:
REFUSE TO PROCESS CHARGEBACK ON BILLING ERROR. {$510.00} CHARGED ON XXXX/XXXX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Arbitration Forum
State: KS

Complaint narrative:
A company calls me numerous times from several different numbers telling me they are from some division law company. Stating that they will file a lawsuit against me because a complaint has been issued under my Social Security number. Saying criminal justice legal law services. It is usually a different legal law service department that calls me. They are calling on my cell phone and at work. They are calling my kids cell phones also and threating them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: AL

Complaint narrative:
I have been with Selene Finance for a year or so now and everything was going well. About three months ago they sent me a letter along with a certified letter stating that if I did not send my payments by the XXXX of every month that their would be steps taken. Granted that XX/XX/XXXX is when it is due but I have a grace period of 15 days so it is not late until XX/XX/XXXX. I would always send it before the month was up so it did not show on my credit report. I ignored the letter and threw it away. Little did I know that they would stop sending me statements. For XX/XX/XXXX and XX/XX/XXXX I did not receive a statement. I sent them an email which they sent me back weeks later that they had thirty days to get back to me. I never heard anything. I let it go. Then I receive my XXXX bill which has my credit score listed every month. XX/XX/XXXX, it had dropped XXXX points!!! I could n't believe it! I started to investigate and checked my credit report through XXXX and realized that Selen Finance had told XXXX that my account is closed and that I am in chapter XXXX bankruptcy!! That is a bold face lie! I have never been in bankruptcy nor do I need to be considering my credit score was at around XXXX!! I disputed this with XXXX and they just sent me the results of their findings that it will be removed XX/XX/XXXX. First and foremost, I am not in bankruptcy and my account is not closed!! They receive my payment evry month. The bankruptcy can be checked by courthouse records and they can check my account with my account number. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I received a NetSpend card in the mail. It has my first and last name on it. The label advising to call and activate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Select Management Resources, LLC
State: VA

Complaint narrative:
took a {$1500.00} loan from XXXX loan and after I continuously paid them they still say owed them almost {$1900.00} regardless of the fact that I paid them {$340.00} ( {$3400.00} total ) since XXXX 2015. This is beyond usury and I need my title back. I paid more then twice what I owed them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief