vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I ended taking a year off for my own mental and physical well-being. This happened during the entirety of XXXX. Now, as it was, my grace periods expired during that time, and it reflects as me being delinquent I believe past 90 days on a host of my different XXXX Student Loan Accounts. 

I came back to school in XXXX and graduated in XXXX of XXXX. I then did everything I needed to so as to reflect this on my credit report. However, it has proven very tough to get these " delinquencies '' removed. I am self-employed, and am currently working on fixing my credit. I was young, silly, and very financial uninformed, and unfortunately made a lot of mistakes that I accept. However, something like this is making it real hard for me, as a self-employed individual, to rise up from the ashes. This is something I can not have affecting my financial position, especially considering that I intend to pay off the entirety of my student loan amount. I was just unfortunately caught up in a real unfortunate situation and I would like your help making this right. 

I was a first generation XXXX student on almost a XXXX. I sadly did not have anyone to guide me financially during the times I made my financial mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has refused to follow the rules when it comes to foreclosure processes. I have repeatedly informed Bank of America the modification process is incomplete and pending due to the fact no written determination on appeal has been issued to me by an Appeals Specialist of the Appeals Department. However, Bank of America broke the rules by starting the foreclosure process before completing the modification process, a practice prohibited by law commonly referred to as Dual Tracking. 

Bank of America had no intention of honoring my request for mortgage assistance by offering me a Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Trial Payment Plan ( TPP ) as the Bank of America Appeals Department instructed and directed on XX/XX/XXXX upon completion of the timely requested appeal review as a result of the XX/XX/XXXX MHA HAMP incorrect denial. Once it became clear to me Bank of America decided not to modify and chose to separate me from my home by hook or crook and an improper non-judicial foreclosure, my only option was to force Bank of America to bring the matter ( or related matter ) through California XXXX Court to be decided. This is where we are at. Bank of America must bring legal action to evict me from or gain possession of the subject property. To successfully do this, Bank of America must first prove Dual Tracking, or any other violation of law, has not occurred allowing for the XX/XX/XXXX recording of a Notice of Default ( NOD ) resulting in the XX/XX/XXXX Trustee 's Sale at public auction. 

All previously mentioned resolutions are desired and mandatory.

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 2016-01-15 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:
My eight years account with Bank of America was subjected to a monthly maintenance fees of {$12.00} per month since last year XXXX XXXX without any prior NOTICE/INFORMATION or explanation from the bank. When I called the bank for explanation and refund i was told by XXXX of the bank official that I have to maintain a direct deposit of at least {$250.00} or a minimum balance of certain amount. I informed the bank that even during this period of review XXXX XXXX XXXX, XXXX there were instances of irregularity, that is situations where I had a single direct deposit of over {$250.00} into the account and my account was still subjected to this illegal {$12.00} service fees. 
The bank will not refund my money when I asked for a refund despite the fact that I was not informed of any changes or the existence of such fees since my banking with the bank for the past 8years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I signed up for the Bank of America XXXX XXXX card with a signup bonus or XXXX points after {$12000.00} spend. I chatted with a bank representative named XXXX on XXXX XXXX who confirmed with me that I was {$500.00} shy of spending {$12000.00}. I proceeded to complete the spend immediately. BofA claims I did n't hit the spend. XXXX mislead me by giving me inaccurate information. I deserve this bonus as I did exactly what I was told by BofA representatives.

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 2016-12-21 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was talked into setting up an online business by XXXX XXXX XXXX XXXX, and after that I got a charge for XXXX XXXX and I never heard of them. I never authorized any charge by them and I do not have any contracts or emails from them. They charged me {$5500.00} and I believe XXXX were the ones who charged my Bank Of America card {$5500.00} under 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 2017-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello. I am recent graduate who only started working in XX/XX/XXXX. I have {$29000.00} of Federal loan under my name and about {$160000.00} of parent loans my mother is responsible for. My mother is ill and recently stopped working and my father 's income is not high as well. I submitted a consolidation request twice for both me and my mother, the request for my mother went through but it did not go through for me. I also applied twice for a income based repayment plan. However both times the request did not go through and I received no updates. Whenever I called Navient while waiting for the requests to go through all the agents said it was in process and did not provide me with further information. They could not even inform me how much I had to pay per month. I also requested a grace period twice for my mother but both times it did not go through ... I want to start paying the amount we can afford as soon as possible properly so we do not accrue further interest, however navient has not been clear and just said things like " do not worry, the consolidation and income based repayment plan will take some weeks to go through but you can just request a grace period and pay later. '' I have been very stressed about this.. and I can not trust any of the Navient representatives anymore..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
We have our home loan with bank of America as we have a grace period on when it has to be paid before a late fee is added & we get phone calls from them all the time asking when payment will be made as we tell them we have till a certain day to get it paid so why are you calling us & they say to get payment - hello were still in our grace period.

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 2017-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I have no idea what this debt is pertaining too. I 've never owed this company anything nor have I ever seen a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: Southwest Credit Systems, L.P.
State: DC

Complaint narrative:
An account was opened with XXXX XX/XX/XXXX it was then forwarded to XXXX for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as well as XXXX and XXXX. This debt was removed from my credit report by XXXX on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the Freud department which I did. I received an email from a XXXX XXXX explaining what she needed to prove the account was Freud, proof of residency, I.D police report etc. I gave XXXX XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX XXXX.at this point It believe XXXX knowingly opened a Freud account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
This company is trying to collect a supposed debt that is not valid. Phones were returned to ATT utilizing the shipping labels provided by XXXX as requested by the representative at XXXX. These phones were delivered back to XXXX however they refuse to fix the issue. Instead they are damaging my credit for FRAUDELENT charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: KS

Complaint narrative:
I recently received a statement from Southwest Credit for an amount due of {$150.00}. The day after I received the letter, I sent them a letter stating that I dispute the validity of the debt in its entirety. I asked that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
XXXX promised me a credit on this matter but instead sold it to a debt collector. I was paying for 2 months of services they did not provide ... faulty equipment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: DC

Complaint narrative:
I filed a dispute on my debit card for not receiving items that I purchased with my debit card back on XXXX XXXX, 2015 with my bank and they assured me that they would have my money credited back to my account by XXXX XXXX, 2015 and they have yet applied the amount back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 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: CA

Complaint narrative:
I contacted Southwest Credit Systems in XXXX to dispute this and they asked me to send them a dispute letter so they can have this removed from my credit files. I sent that in on XXXX/XXXX/16 and rec 'd confirmation they rec 'd it on XXXX. Now three months later the collection is still on my credit reports and is affecting my ability to get a refinancing done. 
I called them on XXXX/XXXX/16 and they told me to call XXXX to dispute it. I called XXXX and they confirmed it was fraud. The crook had my SSN and first name, but the last name and address were incorrect. They told me that since they sold it to the collections company, that I have to contact them. 
These XXXX companies are deliberately putting me in an unending loop. 
I have contacted Southwest Credit Systems to tell them again that XXXX says it was not my account. 
This collection is still not being removed despite the fact that it has been established as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Netspend Corporation
State: TX

Complaint narrative:
Was overcharged for a hotel stay on XX/XX/XXXX and have asked for the overcharge of XXXX be credited back to my account. I have provided documentation proving that there was an overcharge and have gone back and forth with Netspend Dispute Resolution Dept for months now without any response or correction of said charges ( see attached information for details ) I am looking for resolution for CLAIM # XXXX - that I have sent numerous requests dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I get the textbook response that I would be contacted within two business days regarding this claim ... and have yet to hear back from NetSpend regarding this issue..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: IN

Complaint narrative:
Vital Recovery Service will call my cellphone 3 to 4 times a day. Monday thru Saturday. Once I even received a call on Sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Prepaid card — Payroll card
Issue: Overdraft, savings or rewards features — 
Company: Netspend Corporation
State: MD

Complaint narrative:
On XXXX XXXX, 2016 Netspend has charged me XXXX {$15.00} fees on my account. I was only supposed to be charged a XXXX or XXXX {$15.00} fees not XXXX overdraft fees. Because I disputed and filed a complaint of these transactions they retaliated and turned off my use of using the Netspend overdraft protection program. I did n't asked to be removed from or suspended temporarily from the program. Your company needs to investigate Netspend Overdraft program because they 're taking consumers money. They tried to purposely over charged me for these fees. I am agreeing with the XXXX {$15.00} fee. 

I am going to post a small description from there website. what they say about there Overdraft Program, if a consumer decides to use it. 

You are currently opted-in to the optional Overdraft Protection service. Please note, you may only use this service if you are receiving recurring direct deposits to your Card account and your status is " Active '', meaning you have met the other eligibility requirements for the service. Please check below for your current status. 

Minimum Direct Deposit Required is {$200.00} or more every 30 ( thirty ) days. 
The following is the current program in which you are enrolled : Grace Period Time : 24 ( hours ) Overdraft Fee : {$15.00}, up to a maximum of XXXX per calendar month. 

I want my Overdraft Protection Reactivated asap. Netspend being very petty. I 've been a long time customer with Netspend. My Federal Government payroll and my husband XXXX payroll being going into our netspend account for a very long time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: AL

Complaint narrative:
I have XXXX claiming I open up an account in XX/XX/2013. 
I stated I did not open the account nor authorized a account to be open with this company. They sent me to collection company name portfolio recovery who hired a company to sue me Rausch, Sturm, Israel, Enerson and Hornik, LLC and Hornik XXXX sent a summons civil but no answer or reply letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 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: TN

Complaint narrative:
We received a debt collection notice from Southwest Credit in the mail claiming they were collecting a debt for one of our creditors ( XXXX ). We do not owe a debt to XXXX and are always current with our bill. We also have a monthly automatic withdrawal set up with XXXX, so we know we are always current. We contacted XXXX and verified that we do not owe a debt and also that we have never been sent to collections.

Company response to consumer: Closed
Consumer complaint received 2016-11-10 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have contacted both southwest credit systems and XXXX to have collections removed from report. I have submitted paid in full letters and talked to both parties AND credit bureaus but they keep giving me the run around. One company is saying it 's on the other company and another company is saying it 's the other one. I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I never opened a XXXX wireless account or did I give my authorization for any account

Company response to consumer: Closed
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Summit Financial Corp.
State: FL

Complaint narrative:
I have XXXX issues with Summit but was only able to select XXXX issue below. I purchased a vehicle from Summit Financial XX/XX/XXXX. I 've never paid a payment beyond 30 days late until XX/XX/XXXX as I had became unemployed. I missed that payment and it has been affecting my credit ever since, I requested to have this payment deferred but they were unable to work with me in addition I 've sent letters to Summit requesting a resolution but they are continuing to report the late payment to the credit bureaus. In addition, I was recently informed that my loan was a interest bearing loan with 18 % interest rate and I was not informed of this during the sale or my many times talking to the agents at Summit Financial. I became curious as to why is my balance is still over XXXX when I purchased the car in XX/XX/XXXX for XXXX and my payment is $ XXXX/month. The value of the car in currently XXXX. I 'm unable to trade or refinance this car in as I 'm upside down, I want to find a resolution to get rid of this car as well.

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 2015-06-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
XXXX is trying to sue me for a debt that the sol in NC has run out it run out XX/XX/XXXX i do n't have a contract with them these people do n't stop look i just had my XXXX took off and recovering from XXXX XXXX now they saying i have to be in court XX/XX/XXXX police have n't gave me anything please help me thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Oxford Law, LLC
State: TX

Complaint narrative:
I was made aware of a voicemail. The caller stated their name, no company and a file number. Prior to returning the call, I was able to discern the call came from Oxford Law LLC, a debt collection office. This is the first time I have knowledge of attempting to be contacted by this office. The caller did NOT leave the mini miranda in the message as required. I subsequently left a message for the caller stating i was recording the call ( whichi did ), advised I was not admitting to any debt, and requested a written disclosure be sent ( being they had made first contact ) to me in the mail. I left my home address. The same caller leaves a message again the following day, stating she really needs to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MLD MORTGAGE INC
State: NJ

Complaint narrative:
My mortgage company at the time, mld mortgage, cashed my mortgage check twice in error resulting in XXXX $ in bank fees being charged to my checking account. They are denying they did this, even after I provided them with all the bank statements. They are being completely unprofessional and are giving me the run around. This has been going on almost a month. I do not know how an " accounting '' department can not know this occurred, and then deny they even did it.

Company response to consumer: Closed with explanation