vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America Continues to report derogatory information to national credit reporting agencies after a year of disputing information that was considered identity theft and fraudulent transactions that where done in my name. after receiving documentation from local law enforcement, on XXXX XXXX 2015 member of bank of America fraud dept XXXX XXXX Supervisor after doing investigation ask and told all three national credit agencies to remove the information from off my consumer credit file. which was removed and placed back on my file two weeks later without any proper notice or warning of actions they intended on taking. which was a violation of fcra laws that protects against financial institution rescinding or placing fraudulent information on consumers protection files. On XXXX XXXX 2015 member of Bank of America Fraud dept By name Of XXXX XXXX discovered that bank of America never mailed out card or any corresponding documents that would had allowed me to opportunity to dispute the charges as well them never taking into account the police documentation that they received naming the people that had done the fraud. On XXXX XXXX 2015 Bank of America assigned the information to XXXX XXXX XXXX and associates which is a debt collection firm and sending me an order to cease and desist from calling bank of America about the account and that any thing i needed to discuss had to go thru XXXX XXXX based out of georgia which is a debt collection firm, Which representative by the name of XXXX XXXX XXXX alerted me that they where unable to remove the information from my consumer credit file and that i needed to speak with another third party collection company which whom they moved the debt to by the name of XXXX XXXX XXXX XXXX out of XXXX North Carolina. Which all are refusing to re-removed the debt under fair credit reporting Act As well Fair Credit Billing Act, North Carolina Fair debt Collections Practices Act. After Speaking with XXXX XXXX In the victim assistance unit for bank of America she refused to remove it even though knowingly she admitted that there were mistakes done on bank of America 's behalf and that she does n't have to speak with me and forwarded me back to the following collections agencies after having over 300 days to rectifiy the matter. Also there where no account statements sent to me. As they continued to report derogatory information in my name. And not doing a comprehensive investigation. Had took my rights away as a consumer to resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Each month, I pay more than what is owed on each of my student loans ( XXXX total ). It was my understanding that any payment in excess " unpaid interest '' would bee applied to principal for each. However, it appears that a large portion of excess payments made on all of my loans ( going back months ) have gone to interest that exceeds the " unpaid interest '' at the time of payment. As such, it appears that my principal balances should be lower than they are. I have never paid late, so no additional fees have been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I can not get them to work with me with my interest rate and payment. I know that I took out the loans but the state I live in pays absolute ROCK bottom for my field of study. I ca n't find another job because the school I attended shut down for lack of accreditation the year I finished and my degree is now tainted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Loans from XXXX which I never attended. A duplicate loan from XXXX XXXX XXXX was taken out after I had left Texas. This was turned over to a collection agency and I signed an agreement, because my wages were being garnished. I never saw the details of the loans until after I signed the agreement. I just found out about the XXXX loans this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
i have a bank of america credit card account .i have never been late on my payments .my due date is the XXXX of each month.last month was the XXXX my bank was closed so i could not make the payment until the XXXX iwas charged a late fee of XXXX dollars.they told me that i had to pay the late fee no matter what

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My car was missing on Saturday ( XXXX/XXXX/2015 ), therefore call Bank of America 's Loan department for explanation and I spoke to XXXX. I gave her the account number and she told me that it was not on the repossess list to call the police. I explained to her it should n't be however I want her to double check because I want to avoid filing a false police report. She placed me on hold while she spoke to a supervisor. She explained to me my car was repossessed in error. She told me only cars that are 90days passed due are repossessed. The way she explained was similar to my understanding. She gave me a number to call on Monday since the repossession department was closed on the weekend. She assured me I would not have any issues picking my car up on Monday. I called the number XXXX ( Repo Dept. ) and they were rude and dismissive. So I called the auto loan department for help three times and they transferred me back to XXXX against my wishes. I spoke to XXXX, XXXX and XXXX at the repo dept. and they both denied I even called on Saturday. However I am aware that a large bank such as Bank of America likely keeps call copy and a record of customer calls. They continued to insist I pay the repo fee of {$400.00} and additional fees that added up to {$750.00}, which is unfair because XXXX on Saturday and per the term of the loan agreement my car was repossessed in error. My card should be released to me immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Talbot, Adams, & Moore, Inc.
State: KS

Complaint narrative:
On the morning of XXXX XXXX, 2016 I placed a call to Spears, Dewitt and Hall in XXXX XXXX Texas with the intention to resolve XXXX of XXXX accounts and post date a payment for the second account til a later date in the same month. 

The first mistake the collector made was she gathered my routing and account number before telling me there was a {$25.00} fine for processing a check over the phone. I thought that was way to much so I told her I would then mail in my payment. The collector grew angry with me about this so I requested to speak to her supervisor. The supervisor said she would n't wave the fee but would settle the account at {$25.00} less. I told her I did n't want to settle because of how that would affect my credit score. She continued to push me into the settlement. The supervisor also told me that the first account I was wanting to pay that day has already been resolved. I asked for a receipt and I hung up because she continued to push me to get the second account resolved. 

Immediately after my hanging up a collector who identified herself and as a payment processor for the company called back asking for the payment again. The second collector who called back did not state the Mini Miranda before attempting to collect. 

The following Tuesday on XXXX XXXX, 2016 I noticed a missed call from the company on my caller ID followed by a XXXX second silent voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: OK

Complaint narrative:
I need help I am behind on my mortgage but I sent in a partial payment the mortgage company is holding that money not applying it to anything, any time I send in money to go with that amount to make a full payment it is sent back to me. I continue to call, email requesting the money be refunded to me but they refuse. If I had those funds I could make a full payment but they are just holding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: CA

Complaint narrative:
We received a letter fro our prevous lender, XXXX about a week or less prior to our loan getting transferred. 

The letter noted the new servicer, stated all terms would stay the same including the loan number. 

We reached out to Selene Finance, LP the date of official transfer which was XX/XX/2017. Selene had no record of the account by name, social security number, XXXX loan number or property address. The mailing- billing address was obviously not identified either. 
We called XXXX, and they insisted that a letter from the new lender should have already been received. WE have not received anythign form slene finance. 

We called selene finance a few time and XXXX week later they have finally acknowledged that there was a loan transer, but they would not give us any information such as the new payment address or even the loan number. They said XXXX did not authorize our names. So now they want a bunch of paperwork via email only, with original hard copies sealed by courts. 
It will take us at least a week to get the paperwork they are requesting. Then they will take at least a week to review the paperwork in their legal department. By then, it will be well past our payment date. 

We feel that they are stalling because we had delinquent balance with XXXX that we were trying to clear up prior to the lan transfer. We are just trying to make a payment. We are trying to give them money, They are not providing us a way to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
A collection agency is trying to collect on a debt that has already been paid. The original creditor ( XXXX XXXX XXXX ) was paid by the XXXX XXXX XXXX. The XXXX also committed XXXX fraud by billing XXXX after they had been paid by the XXXX XXXX XXXX. I am being harassed because I am a senior citizen living on a fixed income. I was an inmate in the XXXX XXXX XXXX. I am not responsible for a {$110.00} medical bill. The city of XXXX, Virginia is responsible for this bill. I never received any medical care from the XXXX XXXX XXXX. I am a victim of harassment by The Credit Control Corporation. The Credit Control Corporation is conspiring to defraud and extort money from me for services that were not rendered.. The Credit Control Corporation is also guilty of conspiring with the XXXX XXXX XXXX XXXX to defraud XXXX out of money that was not owed. XXXX paid a claim for services that were already paid by the XXXX XXXX XXXX for services that were not rendered. This is fraud in its most quintessential form. The Credit Control Corporation is violating my civil rights by putting false, inaccurate information on my credit report. There is no record that I ever received any medical care. I never signed any forms or papers requesting services. My signature does n't appear on anything. I was never there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SIMM Associates, Inc.
State: KY

Complaint narrative:
I took out a private student loan with my father as a co-signer through XXXX XXXX XXXX ( XXXX ) while attending XXXX University XXXX. After I withdrew from school, I used used up all the deferrment and forbearance options while trying to work and pay off loans and living expenses. At the moment, I am 147 days behind on my monthly loan payments through XXXX. I have spoken with them and they are attempting to work with me to keep my loans out of default. However, both me and my father are also being continually contacted by agents from Simms and Associates, a collection agency out of XXXX, who says that they are servicing this same debt and seeking payment. They keep telling us that we must make some sort of immediate payment to them to keep the loan from defaulting, going " outside their office '' and causing them to seek a judgement against both my father and myself that would include garnishing my wages and taxes as well as garnishing both my father 's social security payments and his pension. I have repeatedly told the agents from Simms and Associates that I am working directly with XXXX and they tell me that my loans are not in default at the moment and that they are currently not seeking any judgements against either me or my father. Nevertheless, the agents from Simms and Associates maintain that I am to pay them and not XXXX directly in order to avoid garnishments. 

What I would like to do is keep working with the service providers at XXXX to keep my loans out of default, but I am unsure if I should take the threats from Simms and Associates seriously and, if so, if I should be making payments to Simms and Associates or keep making payments to XXXX. Furthermore, I would like to make myself as the primary person responsible for this debt the contact person for all calls, letters and other communication and stop them from harassing and threatening my XXXX father about garnishments on his social security and state pension. 

I hope there is some way to find a solution to this problem that will work for everyone involved? I am more than willing to make payments on these loans, but I need them to be payments that work within my budget and place responsibility entirely on me and stop the harassment and threats to my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Waterfall Revenue Group
State: NJ

Complaint narrative:
I CONTACTED A-1 COLLECTIONS IN XXXX NJ AFTER DISCOVERING A DEBT I OWED THROUGH MY CREDIT REPORT. THE REPRESENTATIVE I SPOKE TO ( XXXX XXXX ) IMMEDIATELY SHOWED AGGRESSIVE BEHAVIOR OVER THE PHONE. I FREELY SUBMITTED ALL THE INFO THAT I HAD BUT HE CONTINUED TO ACT IN THIS MANNER AND FINALLY ACCUSED ME OF NOT COOPERATING TO HANDEL THE MATTER AND PROCEEDED TO HANG UP ON ME. LET ME NOTE THAT I CALLED THEM NOT THE OTHER WAY AROUND. I FIND IT FRUSTRATING THAT I WAS BEING ACCUSED AND TREATED POORLY WHEN I WAS THE ONE TRYING TO CLEAR THE MATTER UP. THIS INDIVIDUAL SHOWED BULLING TACTICS TO EXERCISE HIS POSITION. AND SHOULD NOT BE IN A POSITION THAT DEALS WITH THESE VERY IMPORTANT MATTERS WITH THE PUBLIC. I GAVE HIM MY PERSONAL INFO AND FEAR HE MAY TAKE MEASURES TO MAKE MY LIFE AND FINANCIAL POSITION DIFFICULT IN THE FUTURE.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SIMM Associates, Inc.
State: TN

Complaint narrative:
I have a student loan that was cosigned by my grandfather. Simm Associates on XXXX XXXX, 2015 apparently was attempting to contact one of us reference this loan. The person representing this company left the following voicemail on my parents phone : '' Hi this message is intended for XXXX XXXX XXXX or XXXX XXXX XXXX. If you are not XXXX XXXX XXXX XXXX XXXX please hang up. This is XXXX calling from Sim Associates. Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I need a return phone call back today. My number is XXXX. Refer to file number XXXX. " Someone from Simm Associates had spoken to my grandfather around the XXXX of XXXX. Apparently the company did not like the information my grandfather gave them so they continue to call looking for me. 

My complaint is does n't the voice mail violate the FDCP Act? It is my understanding that according to the act they can communicate with a third party by advising who they are and obtain location information. It is also my understanding they ca n't advise they are a debt collector and that I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
There is a collection agency trying to collect a XXXX bill for {$240.00}. I have cleared this with XXXX. This is fraud. They said they were going to clear it up but so far it has not happened. Someone used my name and address but a different SS. Despite that, the derogatory collection issue is still showing on my credit report and the collection agency is still calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Keep receiving automated telephone calls indicating they are Amsher Debt Collection Agency calling in regards to a debt. No debts - nothing is owed to anyone.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2016, I went to a local Chase bank in XXXX, NY to open a checking account. I spoke to a representative and opened a checking account. While I was there, I also inquired about a credit card. I was considering transferring my credit card balance from my current bank to Chase. I submitted an application and the employee instructed me that she was not able to transfer the entire balance onto a Chase credit card. 
After that, I told her I was not interested in getting the card since I could not transfer the entire balance. I explicitly told her that I did not want to open a Chase credit card and I only wanted to open the checking account. I signed to open the checking account but I did not sign for the credit card. 
The next day, I received a voicemail from the same employee telling me that she did not have the authority to cancel the credit card and that only I could cancel the credit card. She instructed me to call the Chase credit card department to make a cancellation. I then logged onto the Chase online banking application and saw that the employee opened the credit card in my name, after I instructed her not to. 
The next business day, I went into the same Chase bank and asked to speak to the bank manager. They told me the manager was not there and not available for any appointments. I then closed my accounts. When I voiced my concerns to the teller, she acted as if I was the one at fault and that I did n't understand how credit cards work. Without a doubt, Chase banks fraudulently opened a line of credit in my name. I would advise any future customers to take their business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical & Professional Collection Services, Inc. NC.
State: IL

Complaint narrative:
Medical claims against my children. It is the responsibility of my ex-spouse. I never received any notice of the bill or collection attempt. All correspondence was with my ex-wife, in her name only. I never received any communication in my name. Negative entries reported to Credit Bureau and my credit score has been negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
Selene Finance is the servicer of my loan. Selene refused to properly complete a loan modification review for me prior to completing foreclosure of my property located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. My home was sold for substantially below fair market value and Selene XXXX have refused to rescind the foreclosure to complete my review as is required by the OCC Remedial Framework.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX tells me I owe {$620.00} over 8 billing cycles ending XXXX/XXXX/2012. They have no evidence that I ever asked for their services, I signed no contract and I do not owe them. This is my residence in XXXX, but I live in XXXX. I offered to pay {$50.00} to settle with them, and they refused.

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