vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I tried to use my debit card today over the phone at XXXX XXXX. It did not work causing a waste of time. So then I tried to buy the same thing on line using the same card it did not causing a waste of time. I looked up the balance in the account and there was sufficient money in the account I called BofA and after a number of waits ( another 15 minutes ) they told me that the card was compromised and they were sending me a new one I said, why did you not send me an email saying that the card was now invalid so I would not waste so much time. They said that an email was sent telling me I was getting a new card. Well I get new cards all the time, so I figured, fine. What they did not tell me was that the card was now INVALID. So I explained carefully to the BofA representative on the phone : 1 ) if you tell your daughter you are giving her a new car, she says thanks dad. But if you do n't tell her that the reason is that there are now no working brakes in her old car, she can go out and have an accident. 

2 ) They must tell me the card is invalid in the email. NOT just that I am getting a new card Thanks for your help. Clarity in communications is important. Email should have started in BOLD : YOUR CARD IS NOW INVALID ( to make sure I read that part!!!! )

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 2016-02-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has re aged a charged off account. This illegal tactic was found on both my XXXX Credit Report pulled on XX/XX/XXXX and my Transunion Credit Report on XX/XX/XXXX. Bank of America charged off the account in XX/XX/XXXX The status report on XXXX credit report has account charged off, but with a balance past due as of XX/XX/XXXX. This is re aging, a direct violation of the Fair Debt and Credit Reporting Act. Also, I have proof in the certified letters sent to them XXXX that they could not verify the debt. They must change the status immediately and stop re aging the debt. Proof is attached.

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 2016-10-14 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a wire transfer from a US Bank of America account to a XXXX account for my son and daughter in law. The amount of the US dollar transfer was {$18000.00} ( which is a lot of money to them ). The amount that was credited to their account was {$16000.00}. 
I went to my local branch at BofA and spoke to the manager regarding the transfer. I was told that I made the transfer in XXXX ... the exchange rate was COMPLETELY unfair {$1.00} = XXXX I was unaware that this exchange rate was well below the typical rate in XXXX {$1.00} = XXXX ... XXXX ( I found this out afterwards ) This transaction of exchange cost over {$1300.00} and the overall charges exceeded 7 % of the total sent. 
This seems to be sooooooo unfair and in all honesty taking advantage of a naive consumer. It really gives banks a bad name. Where did that money go? 
I am hoping that you can help rectify this situation as my hands are tied. 
Please review my case and advise if their is any hope that we can receive some money back? 
I will be happy to give any additional information needed. 
Thank you, 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 monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sirs, I have had a mortgage loan with bank of America for several yearsI owed around XXXX dollars. I was paying interest only on the loan at XXXX percent. Finally when My home value went up they offered me an opportunity to refinance at t XXXX percent. this was in XXXX of 2013 There were no closing cost. 
My problem is the payment mortgage insurance. I was told that since I did not have 20 percent equity, ( I was at 18 percent ) based on a home value of XXXX dollars I had topay P.M.I. .There was no transparency. They claimed they did n't know how much the P.M.I insurance payments would be or how long or even the name of the company issuing it. I ended up paying XXXX dollars a month in pmi I was told I would have to pay for XXXX year. After one year my my Home value went up to XXXX dollars I called the bank ( since I still did n't have the name of the P.M.I. company ) .I was told I would have to pay P.M.I. for two years even if i did now have twenty percent equity. I feel like there has been no transparency and that the wool is being pulled over my eyes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: TX

Complaint narrative:
I was always told my customer service to do a Forbearance which resulted into my loan amount increasing dramatically. I was never told about the income based repayment until i asked about it even though everytime I called about my student loans I stated that i could n't afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I graduated from Tennessee XXXX University ( XXXX, TN ) with by XXXX degree in XXXX. I later graduated from the University of Louisiana at XXXX ( XXXX, LA ) in XXXX with my XXXX XXXX degree. XXXX these degrees were funded by student loans. I was able to consolidate a large portion on my federal student loans with no issues through XXXX. However, I have experienced extreme difficulties with repayment of my private student loans and bringing them current. These private student loans are serviced through Navient. These loans have doubled over the years as the interest rates range from 15.25 % to 9.25 %. These loans went into repayment status in XXXX of XXXX. At that time, I explained to Navient that I was unable to afford the {$1200.00} monthly payments that they were requesting and I paid what amounts I could each month. In XXXX of XXXX, Navient began reporting my private student loan account delinquent to my credit. I called numerous times in order to request a more affordable payment plan. Each time I was asked several questions about my finances, savings accounts, and retirement pension. These calls often ended with me being yelled at and even threatened with legal action. Finally, in XXXX of XXXX Navient sent a letter to a relative 's home stating their intention to seek legal action against me in order to collect money. On XXXX XXXX, XXXX, Navient finally agreed by phone to lower all of my private loans with them to a temporary 1 % interest rate and a monthly payment of {$420.00}. That amount was still out of reach of my budget however I agreed after being told that my accounts would be forwarded to an attorney for legal action the following day. I requested to receive the terms of this agreement and was told that I would not receive anything in writing until after 3 monthly payments have been satisfied. I called again to inquire about obtaining something in writing and was told similar information. A few weeks later, I received correspondence from Navient that contained a schedule of my automatic payments. I agreed to allow Navient to automatically deduct {$420.00} from my debit card on the XXXX of each month starting on XXXX XXXX, XXXX. However, Navient has continued to report my account delinquent to the credit bureaus. Furthermore, my payments have been applied to interest and fees only, making it impossible to lower the amount of the loan. I also continue to receive statements from Navient that show that I still owe {$1200.00} even after our payment arrangements have been made. In essence, I am paying the agreed upon $ XXXX monthly with a past due of {$1200.00}, essentially increasing the total loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 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: AZ

Complaint narrative:
XXXX XXXX has now placed this debt that is not mine into a different debt collection company that is negatively impacting my credit score. I informed them multiple times that this is not my debt! I have been trying to get this sorted out since 2012 and XXXX XXXX fails to take action, claiming this debt that is n't mine and placing on my credit history. I do n't understand how this is even legal.

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 2016-01-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all XXXX pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called General Revenue Corporation this morning and was transferred numerous times informed I was in the wrong department. Finally after waiting on the line for 15 minutes a woman by the name of XXXX tells me that I have to call the number XXXX XXXX which she stated is a " post claim '' number. I called that number and apparently that number is for direct tv. I do n't know if XXXX funds and General Revenue Corporation think it is funny to play with peoples lives like this or if you are purposely doing this to individuals who request a hearing but either way I will be filing a complaint and if someone does not tell me if my documentation has been received I 'm going to contact the media. If you wo n't provide me with the information maybe you provide it to them. I only have to XXXX/XXXX/16 to verify that my hearing request has been received and they refuse to tell me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America was aware that I was in the process of selling my property and they were notified of the sale date. I requested a payoff amount and then they hired an attorney to move forward with foreclosure. This added XXXX to the payoff amount which I am unable to pay. I have been in communication with them on a weekly basis and they assured me that the process for short sale would be started as long as I moved out of the property. I moved and saved the money to payoff the amount owed after the sale of the property and now I do not have the extra money for the foreclosure cost and attorney fees. I would like to file a complaint against them so that this does not happen to another potential consumer.

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 non-monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have received calls daily from Hyundai/Kia financing. I have never purchased either of those vehicles, nor financed through them. I called them XXXX, to straighten everything out, and was told I would n't receive any more calls. I received a call on XXXX. I feel they are trying to harass to collect a debt, however they are calling the wrong person.

Company response to consumer: Closed
Consumer complaint received 2016-04-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Cottonwood Financial Ltd.
State: ID

Complaint narrative:
I got a call from a collector from the Cash Store on a SUNDAY NIGHT at XXXX. I advised the woman that it was unlawful for her to do that, then advised her that I would report them immediatly to the XXXX and other agencies. i have been in credit and collections for XXXX years so I knew they were violating the law.It was for 400 % which was not told at the time

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 2016-10-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CREDIGY USA CORP.
State: TX

Complaint narrative:
I have sued for the Debt which has passed 4 years of Statue of Limitation in state of Texas. 
I am too scared and confused so I am contacting CPFB to step in help me Please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: SC

Complaint narrative:
I have been receiving calls from XXXX and I have a letter from them ( XXXX XXXX/Mercantile Adjustment ) stating I owe {$1200.00} to XXXX XXXX XXXX. I do not owe any money. I have a lease, it is paid on time. I contacted the person I leased the car from, XXXX XXXX at XXXX XXXX in XXXX, Vt. She has been in touch with XXXX XXXX. I do not owe any money. This is a bogus claim from a company I see listed on the internet who have been making bogus threatening calls for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
There is a collection agency which was retrieved my personal information without my consent and did not notify about the nature of their grievance. I 've never heard about Central Credit Services and have never conducted any business with them.

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: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
I have multiple loan services sending me emails and and phone calls that I never received money for. They also have my social security number, that I never gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I received treatment in XXXX XXXX back in XX/XX/XXXX and now, XXXX takes care of myself. I always pay my bills on time. NOW, Dynamic recovery solutions is trying to collect XXXX XXXX from a debt they bought from XXXX XXXX XXXX dated XX/XX/XXXX and I do not have any record about it. So, I consider this could be a fraud attempt to collect money from former XXXX patients

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Global Trust Management LLC
State: FL

Complaint narrative:
The debt collector does not identify himself as a licensed or authorized debt collector. He identify himself as XXXX and the company who is working for, is ; XXXX, XXXX with address at : XXXX, XXXX, Florida XXXX with phone number : XXXX. This company acquired my debt of {$500.00} from XXXX. Because I did n't reach a payment agreement with XXXX XXXX he breached my online privacy and took personal information from my system ( names and phone numbers of friends, relatives and clients ) and he is calling every one of them to talk about my debt and leaving me message with them and recommended everybody to call me and talk to me about my debt obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 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: Dynamic Recovery Solutions, LLC
State: NV

Complaint narrative:
This company " Dynamic Recovery Sollutions, LLC '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with. 

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I have an installment lending creditor who has failed to properly report information to my credit bureau. This has happen with the past XXXX loans I 've had ( XXXX of which have been paid off successfully ) I 've opened up disputes and they have failed to resolve. Even thought they advertise on their website they report to credit bureaus. Also, I have a feeling that I may have been not given the best rate when I applied for another loan as my credit history was not correct and their paid off loans were not reflecting. I 've been trying to work with Rise for more than XXXX days and they have failed to resolve my issues

Company response to consumer: Closed
Consumer complaint received 2015-10-12 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: Simon's Agency, Inc.
State: NY

Complaint narrative:
A few weeks ago I got a credit report alert stating that a negative item was reported on my credit report. After I log in to check it out I found out that a collection agency name XXXX agency on behalf of XXXX and XXXX was reporting information to the XXXX credit bureau without validation of the alleged debt. I called the agency and spoke to the first rep and I informed him that why was negative item being reported to the credit bureau and this allege debt is not validated and I requested that the debt be validated. He refuse to hear what I have to say and I requested to speak to a supervisor and one came on the phone with the same attitude stating that they requested a bill from the original creditor and as soon as they get it they will forward it to me. I told them that this is not satisfactory because the alleged debt should have been verified before they put a negative mark on my credit report. Up to this date I have never received any correspondence from XXXX agency or XXXX and XXXX who they are supposed to be represented. I have never received any validation on this allege debt. Reporting negative information to the credit bureau without validation is a violation of both federal and state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC
State: AL

Complaint narrative:
This loan was taken out in XXXX of 2015 from Rise Credit, in XXXX of 2015 I was given I/U ( individual unemployability ) from the VA. I called Rise Credit they said as long as I had some type of income this loan would continue. I have made XXXX payments on this loan and now I owe more than I originally took out. I have called XXXX times and given the same lie. That when the next payment came out my balance would be lower. That has n't happened yet. My payments are {$530.00} per month, my original loan was for {$2200.00}. I have paid back {$2600.00}. I believe that is enough of payments although per contract I still have XXXX payments left of {$530.00} which equals {$5300.00} and that is n't including what I have paid already. This loan is predatory and given my XXXX status should be dismissed. If the government can forgive my student loans for fighting for my country I should be able to get a loan where I am not being taken advantage of. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I owe this agency in several accounts. I called to pay off all but XXXX account. Later I found they placed all the money into XXXX account. Upon calling the agency back was told that they have the right to place the money on any account that they wanted. Was then hung up on. Returned call to them staying the law and that I could pay off the debts of my chosing. Was told I did not specify. So I lied and said I had it on recording. Then they stated oh I see that you did. Claim to be in the process of fixing.

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