vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was threatened over the conversation by a phone call from Bank of America in early XXXX, 2015. The gentleman told me that I am fully responsible in debt of {$21000.00} because this account is under my name with my social security number. I was very afraid my credit will be damaged and worried about the employment opportunities in the future if I refuse, I agreed to settle with him verbally. 
I received the confirmation letter about two weeks later, the settlement amount of {$5500.00} scheduled of XXXX installments starts from XX/XX/XXXX. Each payment will deduct from my checking account automatically. However, I discovered this account does n't belongs to me ; I am neither the business owner nor holding Tax ID. Meanwhile, I do n't have enough money to cover the payment. 
The overdraw protection plan of the BOA works and yet accelerate more debt. I called to reverse my money back to my checking account, unfortunately, every one were dropping the ball although XXXX of the gentleman told me that he is issueing the request for me. I went to bank 10 days later personally, they told me it is still processing because holiday and weekend. 
I also discovered none of any letters from I received indicated the fully credit card number ( XXXX of confirmation, XXXX of reminders to XXXX of attempt to collect a debt. ) I 'm very anxious want my money back to pay the other past due payments. I should n't made this kind of mistake, what a fool I am!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX of 2011, I had some fraudulent activity occurring with my checking account through Bank of America. The activity happened at an ATM, which is fully equipped with cameras. Upon learning of the incident, I immediately filed a police report with the XXXX police department and submitted a copy to Bank of America. Now even after submitting a copy of the police report and being told that the person on the camera was not me, I was told by the bank that the only way the fraud could occur was for someone to have access to my pin number, which was in a sleeve with my card, as this was a new account. I was also told that since I did not secure my pin number, that I was considered an accessory, and was permanently band from Bank of America, not only did they band me from their facilities, they also entered my name on a fraud report, which denies me the right to utilize any other bank.

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 2017-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was notified that my private loans carried through Navient had gone into repayment. I called regarding the repayment because the amount was over 50 % of my income. I informed Navient that I am unable to pay this large amount. I was told that there are no options for repayment, etc. After speaking to a few different people I was told my only option is deferment. I deferred the payments for one year. The interest ballooned and was added to my loan. I 'm confused over two things : 1. Why did my school put me k to loans that offer no benefits my first year of XXXX, and 2. Why do I hear that there are assistance programs for my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America seeks to enforce a debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
This is more of dispute than a complaint, but still is a matter pertaining to the amount paid and the current outstanding balance noted for my student loans. Navient, my current student loan servicer, does not have a dispute submission channel available and I believe this matter is beyond the scope of a normal escalation. I graduated with my XXXX XXXX XXXX in XXXX XXXX and have made all of my payments since graduation prior to the Due Date noted on each statement beginning with my first student loan payment on XXXX/XXXX/XXXX. My student loans have not always been held by the same servicing company. My first payments were made directly to the Department of Education, then the loans were serviced by XXXX XXXX, and most recently the loans have transferred to a different company called Navient. Navient 's customer portal is the first loan servicing company that has allowed me to see the entire transaction history for my account. Prior to this full history display I was only given statements itemizing what was due for the next immediate Due Date and was not provided with any information as to how payments were applied to principal and interest throughout the repayment process. The first payments I made were as follows : XXXX/XXXX/XXXX for {$500.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$800.00}, XXXX/XXXX/XXXX for {$350.00}, XXXX/XXXX/XXXX for {$1000.00}, XXXX/XXXX/XXXX for {$200.00}, and XXXX/XXXX/XXXX for {$1000.00}. These initial payments all total {$4600.00}. None of these payments are reflected in the entire history of my account despite all of these payments were made to the Department of Education directly. The lack of inclusion of these payments would then impact subsequent interest accrual as well as the remaining balance still due and loan maturity date/payoff date. I can provide bank statements as well as email confirmations from the respective loan servicing companies to account for the missing payments. I would like my account to be reviewed and corrected to show the proper balance as well as reflect ALL payments made to date. Through today ( XXXX/XXXX/XXXX ) I have paid {$10000.00} and the balance on my current outstanding balance is incorrectly noted on the Navient portal as {$10000.00}. 

In addition to this large payment discrepancy there are XXXX ( XXXX ) transactions that were all noted in the account history between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as " adjustments/fees. '' I was not notified of these fees and as my loan repayment history and credit report would indicate, I have never missed a payment to-date and would also like these fee assessments reviewed. If they were applied in error, I 'd like them removed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America charged me a {$35.00} overdraft fee on or around XXXX XXXX. I contacted XXXX to insure they would not attempt a second request for payment electronically and subsequently requested Bank of America XXXX XXXX XXXX branch close my account on XXXX XXXX. The teller refused to close my account and insisted that I had to speak with an account representative elsewhere in the branch. I did not have the time nor do I think it is necessary for me to explain to anyone why I am leaving their bank. As a result, they have charged me an " extended overdraft fee '' for another {$35.00} and $ XXXX monthly maintenance fee. Their banking practice is extorting money at the expense of consumers requests to leave. I am concerned about their actions, their access to my financial information and possibly reporting negative information to the XXXX credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America approved an authorization on a closed card. I cancelled my service with the company ( XXXX ) 2 months prior and I received a brand new credit card two months prior.

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 2015-11-25 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: MD

Complaint narrative:
Southwest Collection Systems, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, filed a collection notice with XXXX credit reporting agency in XXXX XXXX without any communication nor validation of the debt. The debt was originally satisfied in XXXX with XXXX through the return of equipment - which was validated by XXXX when they attempted to have me switch back to their service in XXXX XXXX. Southwest has not called nor provided any information regarding the alleged debt and can not be reached by the numbers provided to XXXX. A review of consumer complaints shows a pattern of aggressive tactics by this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
This debt is not owned by me. I have never owned a XXXX account and from confriming information supplied, i believe that my personal details were compromised by a leak of information steming from a XXXX company security breech in 2012.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allgate Financial, LLC
State: GA

Complaint narrative:
Hilco Receivables has filed a judgment under my name for money and debt due on XXXX/XXXX/2007 ( see attached case # and record of judgment ). I was not aware of this judgment nor was I served like it states in this document. Hilco Receivables is a collection company that has not been able to verify the source of the original debt. I believe that they also DBA as XXXX XXXX XXXX , XXXX. They have continued to simply ignore my request for sourcing the original debtor which according to this order was in 2007 way past the statue of limitations for any debt and can not verify original balance or source. The judgment is showing on my credit report and on record with the XXXX District Court. I also tried to attempt to verify the source debt thru the credit reporting agencies with to no avail or resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: FL

Complaint narrative:
In the end of XXXX, I joined XXXX. As an associate I was issued a payroll debit card administered by Skylightcard. Just this morning, I encountered a practice that seems very unfair, can be considered payroll theft actually by Skylight. 
Around XXXX today, I check and I have at least {$16.00} on the card. So I gased up in XXXX XXXX XXXX for {$10.00}. Now, after a minute I received a noticed that I owe them {$60.00} allegedly because they said it is automatic for them - to place {$55.00} advance whenever the card is used at the pump and that I need to pay them Overall {$50.00} overdraft fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
Attended XXXX College Success Program resulting in student loans of about 12k beginning in XXXX. Unable to secure meaningful full time employment, loans were in deferment XXXX balance about 15k with XXXX. This repeated until default after American Student Financial (? ) assumed loans without my knowledge. XXXX ACSI ( Automated Collection Services Inc. ) Contacted me. I immediately arranged payments for {$130.00} a month, {$500.00} down initially, for nine months. They refused to do business other than by phone despite a website and multiple mailing address. They sent screen print copies of my payment and their purchase of my debt for about 25k. They are claiming a new balance over $ 32k despite my payments. Repeated requests for itemized billing has been unsuccessful. Tried to resolve through XXXX, XXXX. Have not received any more return correspondence since XXXX closed case as unsatisfactory status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: National Arbitration Forum
State: AZ

Complaint narrative:
I 've complained about theses people before. Today at XXXX They left the following message : Hello. This message is intended for??? We 're calling regarding your recent transaction that occurred which involved your bank account. We wanted to make sure you 're aware of this transaction and get your statement before this matter reaches a conclusion and any decision is made. You may contact us at XXXX XXXX XXXX XXXX and reference file number????. We look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: FIRST HAWAIIAN, INC.
State: DC

Complaint narrative:
I was in the XXXX, so I opened a checking and savings account at First Hawaiian Bank. I maintained the account for about XXXX years, with periodic deposits and withdrawals. We left XXXX because of a XXXX move, and I did n't close the account. It had about {$400.00} or {$500.00} in it, and I had an auto loan through the bank, so I kept the account open when we moved. I did n't touch the account for a while, and when I tried to login to the account, I could n't access it/retrieve my account number. My mistake was that I connected the account to a XXXX email address, so I had no way of retrieving my account number. I called the bank to find out how to access the account, only to be told that I could no longer access it, and they were charging me a monthly fee to keep it open since it was n't in use. I asked how to close it. They said that I had to mail a letter with my name, XXXX and current address requesting that they close the account and mail me a check. I mailed one letter, and checked back a few months later. They said that they had never received it. I mailed another letter, and they rejected it, saying my signature did n't match closely enough the signature I used when I opened the account. After pushing continually XXXX multiple phone calls over the course of a nearly a year to a standardized customer service number ), I finally reached someone who could help me and would give me her phone number to call and follow up on the situation. The account is now closed, and I received a check from FHB for the remaining money in my account -- but this process cost me more than {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
XXXX/XXXX/XXXX signed mortgage papers for {$12000.00} with Huntington Bank. The note was reaffirmed on XXXX/XXXX/XXXX. The loan has since been paid off and the account closed. However there is still a lien on my home and no one at Huntington Bank will take responsiblity for correcting the problem. They have admitted the note is paid but for some reason they do not know how to request the release on a mortgage that was paid off years ago. The latest person I spoke with ca n't find a record of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 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: AFNI INC.
State: CO

Complaint narrative:
This COMPLAINT is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I am XXXX. We received an unsolicited credit card for one of our students. She is a minor and did not request it. Her household also received an additional credit card, addressed to someone who does not live there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 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: VA

Complaint narrative:
I TRANSFERRED MY SERVICE FROM XXXX TO XXXX WITH THE HOPES OF GETTING THE SPECIAL DISCOUNT AND THE PROMOTION THEY HAD AT THE TIME. I ALSO HAD MY HUSBAND TRANSFER HIS PHONE FROM XXXX CELLULAR TO XXXX WHICH IS ALL UNDER MY ACCOUNT. I WAS TOLD THEY WERE GOING TO PAY THE TERMINATION FEE FROM XXXX AND US CELLULAR AND I WENT ON THEIR WEBSITE TO SUBMIT MY RECEIPT AND THE INFORMATION REQUESTED BUT IT WAS NEVER PAID AND NOW IT IS AFFECTING MY CREDIT WHICH HAS NOW DROPPED TO XXXX DUE TO THIS COLLECTION RECORD WHICH I HAVE NEVER HAD ON MY CREDIT. I AM ASKING THAT THIS BILL BE PAID OR I WILL FILE A LAWSUIT AGAINST YOUR COMPANY. I BARELY GET A GOOD SIGNAL TO BEGIN WITH AND THE PLAN IS NOT EVEN WHAT I WAS QUOTED. I AM UNDER A GOVT DISCOUNT PLAN AND WHY IS MY BILL ALWAYS ALMOST {$200.00}? I AM A STUDENT AS WELL AND MY HUSBAND IS A RETIRED XXXX XXXX, WE DO NOT HAVE THE MONEY TO WASTE ON A SERVICE THAT IS NOT AS XXXX AS THEY CLAIM. I AM TIRED OF FINANCING A PHONE THAT DIES AND DOES N'T WORK WELL AS IT SHOULD, THE TABLETS WE RECEIVED WERE SUPPOSE TO BE FREE AND NOW WE ARE BEING CHARGED FOR IT. PLEASE PAY THE TERMINATION BILL FOR MY HUSBAND AND MY BILL FROM XXXX. I LIKE THE CONVENIENT OF MAKING PMTS ETC BUT I DO NOT ENJOY HAVING A SERVICE WITH A HIGH BILL AND BAD SIGNAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2016 I checked my Huntington account and noticed XXXX charges of {$25.00} which I did not make. Also I noticed on XX/XX/2016 I had XXXX late charges of {$37.00} when I had money in account and did n't have any purchase.. I called to get charges which were unauthorized and the phone customer service person who gave her name as XXXX for customer service number XXXX at XXXX said I have to send in documentation to remove unauthorized account for complaint number given to me XXXX XX/XX/XXXX. I also asked for email documentation of my request to remove unauthorized items and XXXX first said they would sent me email verification but did n't then said it would take 45 days to correct iten not ten as she said before. Huntington continues to remove monies from my account without my authorization. They continue to charge me late fees without cause and the only way you can now contact have phone operators who refuse to provide fixes to errors and do n't correct errors and false charges on account. Also I received a notice that people have had unauthorized access to my account checking my balance without my permission, denied by Huntington customer service rep. XXXX.

Company response to consumer: Closed with monetary relief