vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am using Bank of America online bill-pay to send bank-issued checks to payees. When setting up a payment I can choose the " deliver by '' date. In the past the checks would always reach the payee by the " deliver by '' date ( or sometimes even earlier ). However for the past year ( or so ) the checks NEVER arrive by the " deliver by '' date but they reach the payee 1-2 business days after that date. I contacted BofA customer service on XXXX different occasions and they claimed that " everything is normal '' from their end and that the checks may be " delayed by the post office ''. Unfortunately the envelopes are not postmarked so there is no way to know when the checks are actually mailed. However ( 1 ) the BofA checks are always & consistently late by 1-2 business days ( 2 ) the checks are similarly delayed for XXXX-XXXX different payees I am in contact with and ( 3 ) all other mail seems to arrive within 1 or 2 business days from the postmark date. All these point to the conclusion that the delay is with the bank and not with the post office. It also seems that the bank misrepresents the free bill-pay service providing a " deliver by '' date that is never met, presumably as an indirect way to promote other paid-for alternatives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complete application : necessary documents and " complete '' status are determined by servicer. California Civil Codes 2923.6 ( h ) ; 2924.10 ( b ). 
While no dual tracking protection is due an incomplete borrower submitted RMA application package by Bank of America, there are dual tracking protection due a complete borrower submitted RMA application package. 
Bank of America has represented no complete RMA application package has been received by the borrower and that the borrower has ignored and failed to comply with Bank of America representatives requests for needed or required application documents to enable a loss mitigation review since XX/XX/2012. This is a material misrepresentation known to be false at the time the statement was made and supplied to the borrower. 
According to the Bank of America borrowers Home Loan Modification Status iportal, the My Documents tab page of XX/XX/2012, all documents that make up the RMA application package were received. Additionally, Bank of America has since caused the destruction of these documents and their corresponding entry to the Bank of America borrowers Home Loan Modification Status iportal. 
Any Bank of America representative who has been assigned as the SPOC, charged with the duties and responsibilities of conducting an independent and complete review of the account records, for whatever reason, should have known a complete RMA application package was received on and before XX/XX/2012 and this ( receipt of the complete RMA application package ) prompted the initial review of XX/XX/2012 that lead to the incorrect MHA HAMP denial of XX/XX/2012.

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 2015-07-15 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: NV

Complaint narrative:
The Bank of America is charging excessive overdraft fees. The charge for being overdrawn less than XXXX hours resulted in a {$70.00} fee. This should n't be legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Called the banking center to inquire about the cut off time for a mobile deposit I made. Seems I was late by 20 min. I was denied a reversal for a overdraft fee of {$35.00}. The representative could not tell me when my mobile deposit was made and she was unsure of the posting time. I asked to speak with a supervisor ( XXXX from XXXX VA ) who was rude and short with me. I asked him to listen in on the phone call with the representative I spoke to earlier and he said he was too busy at the moment to do so. 
I 'm being charged a fee and have no real understanding of the cut off and posting times for mobile deposits as to ensure it does not happen again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a credit card that had 0 % interest and made a {$14000.00} purchase. On XXXX XXXX, 2016 I was charged {$150.00} for interest. I made several calls to BoA and opened a CFPB request when I did not receive my {$150.00} refund. On XXXX, I paid {$13000.00}, which was the entire balance minus the fee. On XXXX, I paid for the {$150.00} to prevent future charges while the CFPB investigation was taking place. I received a {$150.00} refund on XXXX/XXXX/2016, which was as expected. On XXXX/XXXX/2016, however, I was charged {$73.00} additionally for interest. I was not expecting this charge and I did not receive a refund when I called in about it.

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 2016-06-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My firm represents XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX. I am submitting a complaint on its behalf with reference to a condominium unit designated as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The owners, XXXX XXXX XXXX XXXX, vacated and abandoned the unit. The unit is not being maintained and currently condominium fees in excess of {$38000.00} are due and owing. The owners and the mortgage lender are receiving the benefits that the condominium association provides at the expense of other paying owners. A mortgage foreclosure was commenced in 2009 and dismissed for lack of prosecution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Back in approximately XXXX 2016, I contacted Navient to see if the loans I cosigned on could have lower payments. The loans I cosigned for are under my husband, XXXX, name. He has XXXX loans with Navient, totalling about {$38000.00}. I called to see if we could have the payments lowered because with all of his other student loans, my own student loans, and other household bills, we were not able to make the full almost {$500.00} payment. After I listed all of our bills to them, they determined that we were not eligible for lowered payments. When I asked why, I was told that since we put {$300.00} into a savings account every month, we could afford to pay the almost {$500.00} Navient payment. I do not agree with that because any good accountant knows that everyone needs a savings account. I made it clear that we were willing to pay, just not {$500.00}. They said there was nothing they could do for us but to put us on forebearance, which includes {$150.00} payment every 3 months it gets renewed. How does Navient expect people to live if they expect all of their extra money to go to them? All it takes is for us to have one emergency without a savings, and then we REALLY would not be able to pay any student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
my student loan is with navient. i agreed to a forbarence and made a payment and it was suppose to get me caught bqck up. well they didnt take the monwy out of the account at first and i called them and thwy said it was just taking some time to process bc of the holidays. i called two more times. they said thwy got it. it even says payment received on my account and that i didnt need to make another payment till XXXX then they changed thwir mind and i needed to make a payment for a bunch of late fees. then they changed their mind again and said i owe XXXX and hundreds of dollars now and the XXXX payment. i have issues with repaying my loan and dealing with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I used to send money to XXXX ( my relatives, friends ) through Western Union since I came to this country XX/XX/XXXX. For the last two years more recently, I learnt how to create an account via web and was doing on line international money transfer from US dollars to XXXX XXXX. This creates an e-mail trail giving a tracking MCTN number with a name whom the money being transferred. This process seemed to be rigorous as it goes from my bank to Western Union and this process takes at least 7 days. During my weekly check into balance of my bank account on line, I noticed on a single day there were XXXX money transfers and the following day another money transfer. All these XXXX transfers amounted to about {$7000.00}. I called my bank and lodged a dispute on all those XXXX charges which have not been initiated by me and authorized by me. This has been lodged in the fraud department of the bank with a claim number. I called the merchant Western Union and filed the complaint. They took the complaint and informed me that some of these transfers are still not cleared and can be retrieved or changed. There were XXXX international transfers which have been delivered already and can not be returned. I went on line and recovered MCTN numbers and names of the persons. They gave the names of not all persons. But I noticed that one person was my relative and when I called my relative he said that there was no money transferred. There were other XXXX names I could not recognize. They filed a police case and instructed me to go to local police to give the case number to know more about this unauthorized transactions. I called your department and the official instructed me to file complaint on line, called Federal Trade Commission and go to local police to to inform and file complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I opened up an account at Huntington Bank at XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX. 

I deposited over XXXX in the form of a check and they keep placing holds on the money over the standard period for no real reason. I came in to get XXXX and was denied 7 days after I deposited the money. I asked them to contact management and the women did not get anyone and made a fake phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have asked South West Credit Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I had a medical bill in which the first invoices were not received via mail, I paid subsequent invoice off in full directly to medical vendor after receiving subsequent bill. Later on I notice a collection debt from Grant mercantile agency on my credit reports for collection. I have tried to dispute this, it lingers on my credit reports for something I do not know of or owe, should n't have to pay and need help to get this removed as they are refusing to remove a XXXX dollar derogatory charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: GA

Complaint narrative:
I was using a Netspend prepaid card. I had reloaded the card and within an hour after loading funds on the card, I noticed that funds had been deducted from my card via text messages, which indicated my balance had changed. 
I contacted the Netspend to report the matter, and after makIng numerous attemps to get someone on the phone, I finally got through to someone in customer service to handle my complaint. 
I explained that I had received text messages indicating that I had noticed unauthorized activity on my card. 
The customer servuce rep., put me on hold while he looked up account activity and told me that there were international transaction that had been made on card. I explained ghat I had not made nor authorized any such transactions. 
The agent explained that a block needed to be put on card immediately. 
I informed the ageng that I needed to withdraw what remaining funds from card and that it was urgent that I do so, because I needed the funds right away. The agent told me my options were : ,that I had an additional card availible or if I knew someone that had a Netspend card who could receive funds for me. 
I did not know anyone with a Netspend card, which I inform the agent taking the call. I asked could the money be sent via XXXX XXXX, or, if I could purchase another card and call thd knew card number in. I was told no, so I ask if I could draw my remaiding funds off card via an ATM since I was near an exit where one was located.The agent agreed that I could withdraw funds from ATM while he was still on the other end of call. I arrived at location and informed represengive that I had arrived. Atfter telling agent I was at location go withdraw funds, he hangs up the phone. I was under the impression that he would stay online until trasaction had completed, this did not occur. The agent had hang up on me prior go my even reaching the teller machine. 
After again making numerous attemps to get someone on the phone and having go repeat my delima over and over, I was told that the card had been blocked and could not be unblocked, even though I was still at location where I could make withdrawal of funds remaining on card.I at this point demanded that card and account be closed and that a check be sent to my residence. At this point I didnt trust continuing any futher relation with Netspend, as I inform customer represenative.I was told it would take 10- 20. business days to get my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: AK

Complaint narrative:
SW CRDT SYS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SW CRDT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SW CRDT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
This bank collects overdraft fees even if the customer opts out of overdraft protection. They bully you if you do n't pay and want close your accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Netspend Corporation
State: FL

Complaint narrative:
I purchase per paid card added money, then they denied me from being able to use it. The only explanation that would give me was that the count was frozen. After the fact they took my money, but not allowing me to use it. They decided that I was able to receive my money back with in twenty days, as a check. Netspend prepaid will be the last time I will ever use this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: MD

Complaint narrative:
I received a NetSpend Prepaid XXXX from a company called NetSpend, XXXX, XXXX TX XXXX. It was unsolicited and when I called the number they gave to OPT-OUT and decline the message did not give that as an option. I have sent an e-mail but do not have much faith that they will comply since the interactions so far has been extremely suspect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have been notified tht Huntington Mortgage has filed a lawsuit against me. I have never had a mortgage with Huntington at all. 

I was the executor of the estate of XXXX XXXX XXXX who died in XXXX. At that time, I contacted the bank to receive information as to how to dispose of the property. 

I eventually was able to ascertain how to sell the property and then recontact the mortgage holder to sell the property in accordance with the inheritors wishes. 

The Huntington would not provide anyone with the accurate pay off balance and even after being contacted by the attorney handling the sale, would not provide any information to anyone. They filed a lawsuit to foreclose on the property on XXXX XXXX, when the property was sold on XXXX XXXX. The purchase was made in person to the Huntington Mortgage office located at XXXX XXXX XXXX, XXXX, Ohio XXXX I have received harassing telephone calls from Huntington Mortgage and they STILL would not provide the me the information necessary to dispose of the property. On the advice of cousel, we sold the property on XXXX XXXX XXXX and this was done via a certified cashier 's check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Huntington mortgage made improper payments from my escrow account and has failed to return money to my escrow account despite multiple phone calls and complaints.

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

Complaint narrative:
Today I received an unsolicited business debit card in the mail from a company named netSpend in XXXX, TX. It has a MasterCard logo, 16-digit account number, expiration date, and 3-digit security code. I called the number listed in the accompanying letter to opt-out but there was no option to speak with a human and every other action required entry of a 16-digit code or SSN so I hung up. I have never done business with these people, am not interested in their products, and the unsolicited card put me at risk for identity theft and credit card fraud.

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