vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Other — 
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
After reviewing my credit report, I 've notice that I hand a credit inquiry from sterling jeweler. In XX/XX/2016, I sent a letter to Sterling Jeweler requesting that they investigate the inquiry and advised them that it was I that had made the attempt to get a account with their company. I received a letter back from XXXX from customer care department in reference to my letter ( RE : XXXX ) stating that on XX/XX/2016 it was attempt to receive credit online and that by signing the credit application I authorized the inquiry. Again after disputing this item, continually asking for more proof that it was in fact I that made that request, I received nothing. No proof, just a representative telling me I did. I 'm very shocked how in this day of time, how can a company not show proof that someone is utlizing someone else 's identify to obtain a account especially being that this is over a computer where anyone can claim they are that person. Identify theft thru a computer system is very known and used by hackers or anyone trying to obtain something in someone 's name. Also I would like proof of my signature on the application because I guarantee it is n't not mine or something I authorized.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XXXX XXXX XXXX I went foreclosure due my financial hardship of income loss and my sons condition he was having with his XXXX and XXXX.. I recently did a uniform borrower assistance form for Bank of America and in XX/XX/XXXX I was denied a loan modification on XXXX XXXX XXXX .. I appealed and was denied on XXXX XXXX because they said I did not have a Financial hardship and my Income was the same and my bills are not higher than my income. I Fax all my housing expense documents to Bank of America pertaining my job loss, bills and home insurance premiums property taxes and they still did not look this through and waited to the last minute to call me. I also told Bank America my mom does not help me anymore and that was a loss of income I dont get anymore. I also was not gived a written notice to prevent a foreclosure for my home.

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 2015-10-15 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:
Bank of America has been withholding XXXX {$100000.00} of transactions in our merchant account for our business, XXXX XXXX XXXX. 

Information was requested by their risk department ( XXXX XXXX XXXX ) regarding transactions, upon which we provided XXXX verbal confirmation and faxed in invoices and customer information. 

This department continues to request information which they already possess. Examples of this would be financial information ( they are a bank ; they have all my financial records ) and business venue information XXXX they already know the address, website url, etc which was provided when establishing our account. ) This is not only borderline harassment, but they continue to withold our daily disbursements from sales.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Dear Sir/Madame
I applied for a loan with Bank of America, XXXX didn't explain for me that I will be asked to repair the house even before my loan approval. Also, I have been mistreated by my loan mortgage specialist XXXX. 
After the XXXX appraiser report I contacted XXXX the boss XXXX. I explained to him my situation, and he proposed to contact the appraiser agent to talk about the house. Then, XXXX told I will need  to fix just the safety issues which are fix the wood floor in the living room, fix the ceramic flooring of the kitchen and the bathroom, the XXXX rail for the stairs to the roof, and replace the deck. Even though, it was hard to get in the house because of the seller's bank kept changing the lock of the front door, I fixed all this issues. Therefore, I did all requested repairs.
I got surprised from the XXXX appraiser report, because it's asking me to fix some ridiculous thing such as facing still missing, not finishing drywall.  The real problem is XXXX got this report on XX/XX/XXXX  My real estate agent XXXX kept asking her for it, but she kept telling him she knew nothing about it. She released the report just a few days before the closing, so I can do nothing . By her actions, she took away my right to make a decision about something very important to me. I mean, by hiding this report until the last days, she put me in hard position. Now I don't have enough  time to do anything about this matter.
In the end, I've fixed what I have been told to fix.  XXXX hurt the feeling of my real estate agent XXXX and mine as well by treating us like we were in a primary school on the XXXX century. Also, she made me lose my money, my work, the help of many friends gone for nothing, and my time as well.

The appraiser inspection with evaluated the house XXXX more than the loan priceXXXX$.
 I spent for it almost XXXX plus I paid down payment of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Impersonated an attorney or official
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
I received a call from a ladys starting she is a attorney representing XXXX XXXX, and that she is needing my Checking/Routing numbers saying that she needs to take money from a checking account. She then started I could continue to make my agree 'd payments of {$50.00} for 3 more months, and that I would have to pay {$100.00} payments after that. She then threatened to take my license, or have it suspended if I did not start making {$100.00} payments. 

They are using illegal practices for collection as started in the Fair Debt Collection Practices Act

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: SC

Complaint narrative:
In early XXXX, I was contacted by the Risk Management Department of Iberia Bank informing me that my credit card had been compromised. I immediately cancelled the card and a new one was issued to me. I am fairly certain that the card was compromised at the XXXX XXXX in XXXX, XXXX since I place an order for XXXX copies of the paper and incurred a $ XXXX charge. I started to receive merchandise at my home and I contacted the XXXX County Sheriif 's Department and filed a report. The officer told me to keep the '' stuff '' and catalog the products. Several weeks later, I received an affidavit from the Risk group of XXXX and I noted that XXXX of the products I received. The bank had given me credit for all the charges, however, when I received my next statement, the XXXX items were charged to me. I made numerous calls to the XXXX and also to XXXX and spoke with a XXXX XXXX. She then escalated the problem to a person by the name of XXXX in the XXXX. After being offended by her screaming at me over the phone, I asked her what I should do. She told me to return the products to the vendors which I did. On XXXX XXXX, I faxed to her the XXXX receipts and she acknowledged on XXXX XXXX that she received the fax. She then informed that she sent it to " upper management '' for review and that she would call me on Saturday, XXXX XXXX with an update. She never called! I called her on Monday, XXXX XXXX and asked why she did n't call to which she had no answer. I then told her that I was recording the conversation. She was very pleasant on the call! However, she said once more that " upper management '' did nothing with the information and said maybe they were on vacation. She declined to give me a name or phone number for " upper management. '' I sense a great deal of APATHY within her and the department. On XXXX XXXX I spoke to a XXXX in that department and she provided me with a phone number of XXXX to contact. The number was bogus ... .some company trying to sell stuff ... .I felt that they were playing with me ... .and they were. Today, XXXX XXXX I filed a complaint with the BBB. Also, XXXX XXXX of the Sheriff 's department has not spoken with any of the vendors to get the IP address. I feel I had no choice but to escalate this to the Consumer Protection Agency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have a cost for " court '' costs of {$950.00} with no explanation I think because I filed a complaint against them. This cost is unfair!

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 2017-02-27 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I applied for the Alaska Mileage Plan Visa Signature card though Bank of America and my application went to pending. After calling one of their credit specialists, I was told that I was approved for the card. However, a week later I received a different inferior card in the mail with a different opening bonus ( the Alaska Mileage Plan Visa Platinum ). I called and spoke with a Bank of America representative and was told that I already had too much credit with them when applying for the new card and was therefore given a card with a lower limit. At no time during the approval process was I told that they were giving me a different card, as I would not have agreed. This felt like a bait and switch. I then immediately cancelled the new card to avoid having to pay the annual fee. I was told there was no way to remove the account from my credit report, even though it was not the one for which I applied.

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 2015-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have had a loan for over 9 years for my mortgage. The loan started with countrywide and fha (Now Bank of America) and was a predatory loan with high rates and an extremely high pmi of $XXXX per month. I was promised by the persons doing the loan XXXX and XXXX that they would look for a better product after signing. however, 90 days afterward they XXXX went into hiding. Once XXXX was reached, he stated "they don't even do those types of loans anymore" they were very bad.  I am highly confused as to how the FHA would allow for such a loan myself.  Fast forward ...I have requested numerous times to have the pmi dropped and found out from XXXX of the reps at Bank of America that the pmi should drop off after so many years. Recently I tried to request again and was turned down by BOA.  The pmi is now $XXXX per month and has caused me problems financially in the past.  I am simply requesting that the pmi be dropped to zero due to the age and monies already collected or lowered to a more manageable amount of
less than $200 per month. This is not a refinance request but a request that predatory practices on the pmi be stopped. No one pays the amount of a car payment or more for a monthly pmi.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
After reviewing my credit report XX/XX/2016 I noticed an unfamiliar collection account in the amount of XXXX. 
I called the listed CO to inquire. It was a co pay from a hospital visit that I was told would be taken care of ( I work at this hospital and was at work at the time of being seen ) Reluctantly I paid it and asked them why I did n't receive notice of this account .... They insisted they sent bills and notice but when i spoke to the hospital they had an old address .... 

XX/XX/2016 CO account updates to paid and score goes up a few points. 
XX/XX/2016 I re check my credit report and for unknown reason centeral finance reported again this month as XXXX balance thus re-aging the account. 

Several FCRA violation!! 
I have uploaded a picture showing the new reporting date

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 2017-01-20 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: IL

Complaint narrative:
I have been paying on my loan for nearly 10 years and the balance has barely moved. My loan is throught Navient and I have become aware of them being sued for mishandling loans and giving misinformation. I have been given information by this company that has not helped me pay off my loan at all. I am filing this complaint so that Navient and CFPB is aware that I would like to seek help in this matter. I have gotten nowhere with my loan and that is a huge problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
We have been receiving recorded calls from this number for the last several months : XXXX ( Municipal Services Bureau - recording directs listener to call XXXX ). The calls have been harassing and continuous at all times day and night - last night we received 5 calls between XXXX and XXXX. Internet search of the number indicated this was a collection agency serving municipalities for unpaid parking tickets, etc. We do not have any such debts. Return call to both numbers gets music - no people. We need help to block or stop these harassing calls. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I purchased a sectional couch, and the sales representative encouraged me to also purchase the ottoman that comes with the set. The sales representative was given the measurements of the space where the sectional would reside, and the sales rep determined that the ottoman would fit in with the sectional. As it turned the sectional was far too narrow to have the ottoman fit between both sides of the sectional. I tried to work with the furniture store, who it turns out is a highly unethical merchant. I spent a great deal of time with the credit card company, whose initial representative advised me he was sure they would not charge me for this ottoman ( which was way overpriced compared to other stores ). I followed the credit card company 's demand for information, but they also required me to get a statement from a similar merchant that basically supports my contention. I told them I have NEVER HEARD of any merchant requiring such a thing. What merchant is going to stop his business long enough to not only talk to me about the issue, but also prepare a document stating that he/she supports my contention. This is utterly ridiculous. I asked the credit card company to please give me the name of one merchant in my area who would make such an evaluation with no benefit to themselves, and they could not. I asked the credit card company to request the measurements from the store, and they refused. It is clear the credit card company does not want to honor its claims of supporting customers who have been cheated my merchants. The credit card company is requiring a completely disinterested third party merchant to get involved in the dispute and write a document supporting my contention. In other words, this is the credit card company 's way of dismissing the dispute and leaving the cardholder hanging with an unfair and unjust charge.

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 2017-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Armand Law Group, PLLC.
State: OK

Complaint narrative:
Came home from work, and my roommate hands me my mail. I noticed a strangely colored and labeled mail, so I opened it first. It 's from a law group or agency, stating that I owe the amount they requested in the letter. If they fail to receive the payment requested, they may or may not pursue legal action to recover the debt. And if they do decide to take legal action, the issue will be forwarded to one of their attorneys in my local area. They are accepting payments through a given website and phone number. How they failed to convince me that this is real, is that they require my account number. I 've never been in trouble with the law regarding any persons or business, so I do n't understand how or why I received this letter in the first place.

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 2016-11-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I filed a complaint with the CFPB in regards to Bank of America. I am filing another complaint against them for the response I received. Initially I had included the 2nd mortgage in my bk which was discharged. Later I was told that the lien for the XXXX remained in tact and that I was responsible but the property was not. That I could live there, not pay -- - but if I sold or moved, I would have to. 
My complaint with BOA is that when I called to resolve this issue, I was told that unless I short sold the property BOA does not settle balances, does not waive fees and does not wave late charges. 
I want to stay in my property, I do not want to short sale. I can not pay 7 years of late fees, and 7 years of past due interest. They are trying to charge me $ XXXX in fees. If I am not responsible for the debt, why is it me they want to charge these amounts to? 
MY ORIGINAL COMPLAINT # 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 explanation
Consumer complaint received 2015-03-31 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: CA

Complaint narrative:
On XXXX XXXX, I had a balance of {$110.00}. I had XXXX transactions for {$120.00}, {$17.00}, and {$5.00}. Instead of clearing the smaller items, Bank of America charged me for XXXX overdrafts, at {$35.00}. I know Bank of America uses an algorithm which sends the highest amount through XXXX, and then, instead of paying the smaller items, they charge {$35.00} each. On XXXX XXXX, I had XXXX deposits totaling {$1200.00}. I wonder when this small window of opportunity allowed the Bank to charge me {$100.00} for overdrafts, when I have a positive balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30 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: MI

Complaint narrative:
Submitted {$2000.00} via certified mail with return receipt including a letter indicating that the contained amount was to be applied to the principle amount of my student loan. Loan provider claimed to have only received {$1000.00}, in spite of the fact that both USPS issued money orders were contained within the same envelope, and arrived unopened at the loan carrier 's PO box which was confirmed by return receipt. Following this, I was told that they had found the " missing '' {$1000.00} and applied both it and the other {$1000.00} money order toward the principle balance. I was also told that any monthly payment over {$50.00} was strictly against " policy '', but that the monies I had sent would be submitted only toward the principle. Recently I received statements from my student loan company ( Navient ), and I noticed something strange. While my payments continued, my principle balance remained the same. In addition the other {$1000.00} had not been applied toward my principle balanced as agreed upon. Upon calling Navient, I was told that any letter dictating how my funds were used were either discarded or ignored. I was also informed that any funds submitted regardless of requests was spent on interest first, and whatever was left is spent on the principle. Again I was restricted from increasing my monthly payment, and was not allowed to make a lump payment toward the principle ; instead I have only been allowed to pay less than they charge for interest ( XXXX/mo ). As it stands, I should have owed less than {$400.00} by now. I attempted to resolve this issue, but I could achieve no solution with Navient.

Company response to consumer: Closed with explanation