vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My loan is not escrowed. I pay for my own taxes and insurance. I also have an adequate insurance coverage amount and type for my loan amount. I also timely pay my property taxes. I have provided proof of adequate coverage to Bank of America repeatedly and consistently since the beginning of my loan. Despite this, Bank of America is continually adding money to my principal and interest amount as " escrow. '' As this is not part of my loan I do not pay this amount and Bank of America then classifies my payment as late generating late fees. I pay the contractually required amount, have adequate insurance and pay my taxes and insurance on time. I do not know what I am being charged for that is an escrowed item as there are no escrows on this loan account. I have confirmed with Bank of America repeatedly that the insurance amount is proper. 
I have XXXX fire/dwelling policies and XXXX flood policies covering this property. The property has a front and a rear building which and each building is insured separately. 
I have a total XXXX XXXX and XXXX XXXX dollars in fire coverage and a total of XXXX XXXX and XXXX XXXX XXXX in flood insurance. On the front building my fire coverage is {$250000.00} with {$120000.00} in flood. On the rear building I have {$140000.00} in fire and {$140000.00} in flood insurance. Bank of America spoke with my agent and approved the amounts of all insurance in several phone calls. 
Despite repeated assurances of adequate coverage, Bank of America has not charged with force gap coverage for a policy which costs an additional {$3000.00} per year even though the underlying insurance only costs {$1300.00} dollars, and once again, after expressly approving the amounts selected with my insurance agent on multiple occasions. I and my insurance agent have been calling every six weeks or so. This past time we called Bank of America could not provide and explanation as to why due to " system issues '' ( XXXX XXXX ). We were told that Bank of America could not explain why the force placed coverage can not be removed and refused to provide any further answers. 
XXXX manager XXXX ID XXXX, stated that the issue was because they did n't have declarations pages for " prior years ''. This is the first time that anyone has stated they were missing declarations pages. Bank of America has charged me various amounts over the past several months in violation of our loan agreement and seemingly arbitrarily.

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 2015-11-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
We have received at least XXXX calls from Midland Credit using a telephone number of XXXX within the last month. When I answer, they do not respond. I finally got someone to respond yesterday and they claimed they were trying to collect a debt from my husband on a " XXXX '' credit account. I told them we never had a credit account with that company and I would call the company directly. They insisted and asked me to verify my husband 's social security number. I refused, told them to remove our name from their call directory and hung up. I thought this was a scam because we have a credit monitoring service ( which I checked ) that would have alerted us to this, and no reputable company would allow anyone other than the person in question to verify information. However, to be safe, I then called XXXX and they verified that there was never an account opened in my husband 's name. 

Today I received another call from Midland Credit claiming there was now a XXXX Card account outstanding in my husband 's name and again asking me to verify his social security number. After repeated refusals and demands that they remove my husband 's name from their system, the caller finally agreed to read me the social security number they had. When I told him that it was not my husband 's social security number, he apologized and said he would remove my husband 's name and contact information from their system. I then hung up, but again this seems like a scam because why would a debt collection company give up so easy when they have no way of knowing if I am lying?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made XXXX balance transfers. The fees for the transfers are not reflected on the statement. The company phone representatives can not tell me what the fees were or if they still are outstanding and are accruing interest. I have stopped making any other purchases on this account in order to make it as simple as possible ( and since closed the account ) If payments are applied to outstanding fees of any kind I should be able to see that on my statement to account for payment allocation, but I can not. 

My total balance should now be at 0 % interest ( for XXXX defined time periods ) therefore the statement balance should be visibly decreasing on each statement dollar for dollar, but it does not. 

I have paid well over the amount of any fee ( visible or not visible ) that would have been related to the XXXX balance transfers. The company 's phone representatives should be able to see where the money was applied or if fees still exist, but they can not. 

As I have requested by telephone on 2 separate occasions ... I want to make sure the " invisible '' fees are paid off and not accruing interest. I want to see where my money was applied each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: VA

Complaint narrative:
I have an auto loan with XXXX. The vehicle I have discovered is only worth about XXXX however the loan is out for XXXX. This is due to thr high interest rate and overstated price at the time of purchase. I fell behind on payments. XXXX called me numerous times. At times over XXXX times a day. I did eventually make payments but also was told by Drivetime that they would defer my late payments to help me out. A few weeks later, XXXX repossessed my car. There are exhorbitant fees charged equal to entire car payments. Buying. Car from XXXX is not like buying a car from other places. It is a bad deal and impossible to improve your credit from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
XXXX, My name is XXXX XXXX XXXX, and I had an account with XXXX XXXX who then reassigned me to Navient. During my time with XXXX XXXX I was told to go into forbearance, instead of income based repayment.I was also not disclosed the long term effect of doign what they suggested. I was then in forbearance with XXXX XXXX and Navient. I have been able to make payment, however I notice that I would only need to pay every other month. I found this concerning and placed a phone call XX/XX/2016. I was told it was glitch in their system and not to worry that my payment was not due for another month. This happen over the course of last years. Also, review the amount I am paying interested is outstanding. At, this point I am concerned with the way my account is being handle and how my payment are I applied. 



XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX/XXXX/2015 I went to Bank of America branch in XXXX XXXX, CT to close out my account. I told cashier to close out my account and withdraw entire amount as I have enough bank account as it is. on XX/XX/XXXX I received a BOA statement saying I owed {$15.00} for maintenance fee. it appears the account was never closed. there was still money left in the account. that should not be my problem but BOA 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I have had a checking account with Bank of America since XX/XX/XXXX. XX/XX/XXXX, they changed the terms of service and began charging a $ XXXX monthly fee, which was contrary to the promises a customer service representative had made about terms of service in the ( very recent ) past as the terms had changed only a few years before and I had discussed this with a banker in the branch. I never received notification of the XX/XX/XXXX change, and they never attempted to receive an acknowledgement or confirmation from me. After complaining, I did, however, receive a refund for three months of fees, but they still have five months of fees ( {$60.00} ) that have not been refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-28 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: PA

Complaint narrative:
Navient is repeatedly contacting my uncle, aunt, cousin, and mother regarding my private loan debt. Per the FDCPA laws, debt collectors may only contact a 3rd party once ( which they have violated because they are calling above-named parties every week ) and they may NOT contact the 3rd party if they know how to reach the holder of the debt ( which they do, because they call me 4 times per day, 7 days per week ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
Greensky pulled my credit report twice leaving XXXX inquiries on my credit report for the same loan. This happened in XXXX XXXX and again in XXXX XXXX. 

When the contractor XXXX fell behind schedule and was not able to get the project completed in time they took it upon themselves to close the first loan, RUN MY CREDIT report again and then open a whole new loan in order to accommodate the contractor. At the same time the Contractor decided to pull my credit report as well leaving another hard inquiry on my credit report. ALL of this happened without notifying me, my prior approval, or permission. 

These additional credit inquiries have caused me financial harm and an through no fault of my own prevented me from getting a much needed loan from XXXX XXXX. XXXX XXXX cited " too many credit inquiries '' as the reason for denying me a line of credit.

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 2016-10-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient Att : Dispute Department XXXX XXXX XXXX, PA XXXX Re : Reference : XXXX ( XXXX Navient Private Loans ) are not ( 60 days Late ) Dear Sir/Madam : I am disputing the above-reference. Please verify these days as required by the Fair Debt Collection Practice Act. 
I dispute this accuracy due to Financial Hardship and loss of employment because I did provide notification to Navient representatives on my account, thus, having extra time to pay the monthly payments and interest loan amounts in a timely matter to Navient. It appears as negative accounts on my credit report. I believe this business practice is reflecting negatively and is difficult obtain a financial position in a job market. Please remove from all three credit report agencies entirely. 

The days that were paid were XXXX XXXX, 2016, XXXX XXXX, 2016 and XXXX XXXX 2016. 
The application submitted for was submitted as a forbearance before XXXX XXXX 2016 to allow sufficient time for Navient to record payment made and retract any negative impact on my credit report. I was never 60 days consecutively late. The one payment I missed was XXXX 2016. And it is why I applied for the forbearance. 
Navient processed the forbearance late after XXXX XXXX making XXXX payments late causing a negative reporting on my file and submitting false reporting to the credits agencies I am disputing this days and amount own and as recorded, you should not report it to the credit reporting agencies, if you have already reported it, please notify the credit reporting agencies that the delinquency is disputed and delete the trade-line from my credit report. Reporting information that you know to be inaccurate, and failing to report information correctly, violates the FDCPA and Fair Credit reporting Act. 
Aside from verification of the days, do not contact me about this debt. The FDCPA requires that you honor this request. Thank you. 
Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau, XXXX Department of Consumer Affairs, and Federal Trade Commission- Consumer Response Center

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 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: MI

Complaint narrative:
I had a private student loan with XXXX, now known as navient after I stop attending college cause lack of funding and health issues. I started making payment on my loan which was very high. I contact their rate reduction department trying to get them to lower the payment. I had no luck. I currently unemployed living in Michigan and have XXXX school age kids to care for I receiving social security XXXX due to XXXX XXXX. Which make it difficult to walk and stand for period of time. I am not trying to get out of paying the loan back but, trying to get them to lower the payment from XXXX to XXXX each month is it anyway you can help me with this issues with them. I would appreciate this very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: MIB Group, Inc.
State: CA

Complaint narrative:
I would like a investigation into the accuracy being reported on my MIB file under the fcra. I request you delete the two items that were put on my MIB Record by XXXX. This is not correct, those were reckless driving and that happened in XX/XX/2008, Please delete those two items you have my MIB FILE # XXXX immediate. I will file a complaint with the consumer financial protection bureau if this is not done immediate. Your file is inaccurate and false

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America sold XXXX of my checking accounts to XXXX Bank in XXXX, Virginia, without our knowledge. They gave our SSNs, bank account numbers, names and address to a bank we had no affiliation with. When I questioned them, they said they sent us a notice. I did n't receive anything. XXXX weeks ago ( after they XXXX sold XXXX of my accounts ) I went in and closed it. I asked if they were going to sell the XXXX account and was told " no ''. Yesterday I received another New Account Letter from XXXX Bank saying they were the owners of my XXXX account. When I asked BofA why, I was told that because BofA was more than XXXX miles from my residence, they chose XXXX Bank that was closer to my home. I will close the second account next week, after my last payroll deposit hits the account. I think what they have done is illegal. It is unethical and quite simply unbelieavable. I had had XXXX of my accounts for 26 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have a BofA credit card, and did some balance transfers to this card in early XX/XX/XXXX, which included a promotion of something like zero interest for a year or so. Every month since the transfers, there were the interest charge calculations available on my statements so I knew when I had to have certain balances paid off by to avoid interest changes kicking in. Since XX/XX/XXXX, this entire section has been XXXX out ( every month since ) and I 've had to call to verify the amounts to ensure ( for myself ) that I know balances. Its seems to me that leaving these sections blank, anyone could easily overlook what their promotional amount balances are and would easily fall into the trap of interest kicking in. Are n't there laws regarding disclosure on statements that the credit cards should be following??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 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: TX

Complaint narrative:
XXXX XXXX XXXX defrauded over XXXX students. Navient is attempting to collect on my private student loan for which I have nothing to show for. The US DOE is currently considering my defense to repayment regarding Federal loans to the before mentioned entity. Navient claims they are exempt of following the laws of the state which I reside in, Texas. I notified Navient to cease and desist collections under the Texas Debt Collection Act, a law that Navient states that they are exempt of. I am open to postal communication from Navient, but do not wish to deal with them verbally any further. They run like a record, and repeat over and over how they are exempt, how I owe the money ; yet they are enforcing a contract entered by me in good faith that the receiving entity would deliver what they promised. They must immediately accept my demand to cease and desist phone communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
After I file the complaint Case number : XXXX, BOA customer resolution who named XXXX gave me a call and leave a voicemail. I has returned her phone call and leave XXXX voicemails ; however, I still received no response from BOA. In addition, BOA still not response the request from the state of Illinois. However, BOA has charged me the overdraft fees because checks paid prior the freeze my fund.

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 2016-07-16 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Individuals from Student Assistance Corporation have begun calling me, asking for me by name and saying the call is regarding a Navient Student Loan. I tell them that I do not have a student loan. They then ask me to give them my personal information. I refuse to give my personal information so they say the calls will continue. On XXXX XXXX, 2016, at XXXX. I received a call from them XXXX. I called them back to again tell them I do not have a student loan and asked for their address. The lady refused to give me an address and insisted I give her my birthdate. She told me it was a Navient student loan. I used that information to look up the address and send letter telling them I do not have a student loan, do not call me and to send and further communication in writing. They received the letter on XXXX/XXXX/2016 ( USPS Item # XXXX ). The calls have continued with six calls on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America reported me to XXXX for fraud when I did not commit fraud. I told them I would pay fees I accumulated. But I told them I would n't pay for a bounce check wrote by client. that I deposited and recived no money from. And I asked them to remove the fraud from my name on XXXX. It is unfair to report me for fraud if I have not committed. I had been a long time client with them.

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: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX, I got a joint loan with my now Ex Husband. I was and still am primary on that loan. In XXXX we divorced, In my divorce agreement it states clearly that I 'm not in anyway shape or form responsible form this property. So quick claimed it to my ex husband. All of this all occurred in XXXX. Fast forward to XXXX. 
2 years after my divorce. My Ex Husband Modified the original loan " which I to this day am still primary on the loan ''. He, without my knowledge, consent, or signature filed it and it was Granted by Chase Bank. I am a single mother of XXXX who until a few days ago " XXXX '' had no idea he had done this. He modified the terms to 540 months on the loan with a fluctuating interest rate. I finally after 7 years of divorce am able to buy my own home but due to this modified loan I cant do anything and Chase is telling they did n't need my signature, constant or knowledge. They said since he has a quick claim deed from me to him that they were able to do that. But I 'm still on the loan yet all the terms have changed. Yet I never agreed to them. 
How could they do that? And why cant they take me off the loan since I have n't agreed to any of the new terms? I need this looked into please its preventing me from continuing my life. I cant even buy a car. 
And now I stuck with a 45 year Mortgage with 4.785 % that fluctuates yearly. I 'm XXXX and do n't know who to turn to. 
And chase says my ex can do whatever he wants to because of the quick claim deed but I cant do anything.

Company response to consumer: Closed with explanation