vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BOA closed my account without warning and now they wo n't pay me my cash rewards points that they owe me for this card.

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 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: DE

Complaint narrative:
2 weeks ago I applied for a XXXX XXXX XXXX XXXX XXXX Card and was approved for it. The advertised rates were 13.99 % to 23.99 % based on credit worthiness. Given that my most recent fico score at the time of application was over XXXX ( around XXXX or so according to the data obtained by PNC from XXXX and sent to me in a letter to my home address ), my debt to income ratio is about 26 %, my credit card payment history was rated excellent, ( according to the most recent free credit report that I received ) I expected that the purchase APR on the card would be a lot closer to 13.99 %, say 15.99 %. Instead, the confirmation page of approval indicated that I would be granted an APR of 17.99 %, which I thought was pretty high. Upon activating the credit card however and finding it in my online banking portal today X/XX/17, I  saw that the purchase APR is actually 19.99 %. I called PNC 's customer 's service number at XXXX and its underwriting team at XXXX a few times to get quantifiable metrics about how this APR was arrived at and no one gave me an adequate response. I was bounced back from customer service to sales back to underwriting team who told me they had nothing to do with the APRs, which I thought was surprising. I do n't want to cry unfair credit card practices, but there 's something misleading in the advertised rates if a customer with my profile can not get close to 13.99 %, but instead I 'm offered a rate far above the median of this range.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for the XXXX XXXX XXXX card and feel as though I received an unfair and misleading bait-and-switch offer. Apparently there are two credit card options -- which have very different terms and benefits -- the XXXX Signature has all of the benefits that are emphasized in the advertising, and the Platinum Plus XXXX, which has many many fewer benefits, including 1/6 of the bonus miles, no free checked baggage, and a significantly reduced companion ticket benefit. While it mentions this possibility on the application website, it was not clear to me during the application process that I had actually received the lower-tiered version. ( Unfortunately, I do n't have a screenshot of this process, however, I do not recall there being any verbiage indicating that I had not been approved for the XXXX Signature -- it must have just said I was approved for the Platinum Plus, which at the time I did n't realize was  different. ) It was also not clear that there were such different benefits between the two options. Furthermore, I was not given the option to state whether I was in fact interested in this lower-option ( which I was n't ) : once I applied and was approved for the lower version, I did not have the option to decline. So, essentially, I applied thinking I was going to get one card, was apparently not approved for it, and was automatically given a different card which I would never have applied for in the first place. It is also unclear to me why I was n't approved for the better option. I have a pretty good credit score ( XXXX ), and have other lines of credit that are in good standing. I tried calling Bank of America, and they were not able to provide me with answers. They only told me that I could reapply, but that I would n't get the additional bonus miles. I declined, and closed my account. I 'm sure Bank of America has covered its behind by putting all of this in the legalese of fine print, but honestly I consider myself a fairly savvy customer and I was still duped. I do n't think that, even if it says so in the fine print, you should be able to apply for one credit card and end up with another, with very different terms and benefits. ( Especially given that even applying for a credit card can negatively impact one 's credit score. Now I 've been hurt for getting a credit card I never wanted 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 non-monetary relief
Consumer complaint received 2017-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: GA

Complaint narrative:
The company name is Equitable Acceptance as a third  p  arty (    XXXX   XXXX   ) The  Claimed to   be a company that helped the government with there loan forgivness program. I was informed that they could consolidate my loan into  XXXX  loan during that span I would only have to make payments on the consolidation. After that the loan could stretch out pass 20 years and whatever I did not pay after that time period would become forgiven. I first started with this company on  XXXX   XXXX     2016 an d every month since then I have  made 50. pa yments to the company for the consolidation fee.           Payment Receipt Hello, Thank you for your recent payment to Equitable Acceptance Account.   An amount of {$49.00} was applied to your account.   This email is a receipt confirming payment.   To access your account, sign on to  www.equitableacceptance.com If yo u have questions or need additional assistance please contact an Equitable Acceptance representative@ XXXX  Regards, Equitable Acceptanc e Corp.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
In XX/XX/XXXX we worked with XXXX XXXX XXXX home modification, we were approved in writing and getting ready to make our modified payment and the next week we received a notice saying we were denied, we worked with our loan coordinator to find out why. Our loan coordinator told us to resubmit the modification, in the process of resubmitting our modification we received a notice that our loan was being sold to Carrington home Mortgages as of XX/XX/XXXX and our home is in foreclosure. I called XXXX XXXX  XXXX again this time the loan coordinator we were working with was no longer with the company and we now had a new one, in speaking with her she said " well your loan was sold and we no longer have any information on your loan, you will need to call Carrington home mortgages ''. I called Carrington on XX/XX/XXXX they told me that it is a new loan and they would n't have any information on the loan for up to 60 days. I told them I did n't have 60 day because my house was being foreclosed with a sale date of XX/XX/XXXX, they told me not to worry that, that Carrington owned the loan and that XXXX XXXX XXXX can not sell your home because we now own the loan, she said call back next week and see if we have your information loaded. I called back on XX/XX/XXXX, they still did n't have the loan information loaded they again told me not to worry that there would be a 60 day grace period and no sale should happen. They told me to try again next week to see if the loan information was loaded, I called again on XX/XX/XXXX this time they sent me to the collections department at Carrington, they told me that it was partially loaded but we were in foreclosure and there was nothing we could do or they could do to stop the sale, I said we were told to submit a modification, she told me that it was to late and nothing we could do our house was going to sell at foreclosure. I was told by 4 attorneys that this is how XXXX XXXX XXXX gets by with foreclosing on people they sell the loan right before the sale date when they know that it takes a while for information to be transferred to the new company therefore there is no time left and people are left without a home. All we want to do is pay our mortgage and keep our home we have lived in our home for 11 years, we have a XXXX XXXX child, and this is very traumatic and stressful on all of us. We are looking for any help to save our home before XX/XX/XXXX which is our sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Account Managers, Inc.
State: GA

Complaint narrative:
Grimm collections unlawfully trying to collect more then the original contract. it 's against law to inflate the debt.

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 2017-07-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Navient has deemed a debt marked as  Default. R eopene d the Defaulted Loan and changed to Deliquent. There are no payments or any authorization for this this. The company  will not forward me any documentation in terms of payments and how much money was allocated towards these payments from before the loan became defaulted. Incorrect billing and lack of information from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: MI

Complaint narrative:
Ref : BSI FINANCIAL SERVIC ES    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , PA.    ZIP CODE :   XXXX  * NEED MONTHLY STATEMENTS.     ** HAMP APPLICATION.
*** CURRENT AMOUNT D  UE ON MORTGAGE.   (  XXXX  was not able to furnish this information )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NJ

Complaint narrative:
This is the third company contacting me trying to collect this debt which was settled years ago with the originating company. The current debt collector is c alled Mercantile Adjustment Bureau. They  entered a claim with the credit bureau  on  XX/XX/XXXX  in t he amount of {$590.00}. The debt goes back farther than that and was in the amount of {$590.00}. It was already paid and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I disputed all of my Inquiries on my credit reports from XXXX and XXXX and they did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them. The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance C. C. Employment D. D. Court Order

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed all of my Inquiries on my credit reports fr om  XX/XX/XXXX  and  XX/XX/XXXX  and th ey did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them.     The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance  C. C. Employment D. D. Court O rder

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 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
The credit agencies still have this account listed and  per Aargon th ey requested it be removed. This has been listed and it needs to be removed

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 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Our client has been attempting loss mitigation with Bank of America ( BOA ) for several months now. However, Bank of Americas conduct has been in violation of servicing laws and standards as more particularly described below. REFUSAL TO OPEN LOSS MITIGATION REQUEST / MAKING MISLEADING STATEMENTS On XX/XX/XXXX, we submitted a request for ongoing loss mitigation with a copy of the listing agreement to BOA. Despite receiving said request to open a loss mitigation review, BOA failed to open a loss mitigation file for our client in violation of servicing guidelines.
On XX/XX/XXXX, we contacted BOA regarding the status of the short sale review and spoke to XXXX ( a BOA representative ). XXXX informed us that there was not an active loss mitigation review showing in BOAs system. He further stated that the XX/XX/XXXX letter was ignored by BOA because it was not submitted through XXXX ( BOAs short sale system ) however, we were never asked to submit the documents through XXXX. BOA was provided with the proper documentation to open a loss mitigation review, but failed to acknowledge the loss mitigation request and failed to open the review even though it was acting in direct violation of federal and state guidelines. BOA has failed to comply with federal and state rules and guidelines relating to servicing and foreclosure by failing to provide loss mitigation assistance when requested, and instead moving forward with foreclosure. DID NOT RECEIVE NOTICE OF FORECLOSURE SALE During that same phone call, we were verbally informed that there is a foreclosure sale scheduled for XX/XX/XXXX. As of XXXX XXXX, 2017, neither our client nor us had received notice of the scheduled foreclosure sale. BOA is required by N.C. law to properly serve the borrower ( or the borrowers attorney ) of an upcoming foreclosure sale. BOA is in violation of N.C. law. Although we did eventually receive an Amended Notice of Foreclosure Sale on XXXX XXXX, 2017, neither our client nor us ever received the original Notice of Foreclosure Sale.

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 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar  companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.

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 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I currently have two damaging negative remarks on my credit files, these companies have no other intent other than keep me bound by loans. These two companies apparently have paid the credit companies money too re enter bad information on my credit worthiness, I am tired of being violated when there are FRCA rights and the credit companies should pay up for damages on each time. "? I am seeking justice now, I have fought this for years too the end. I have countless of copies of my credit files that clearly show that negative remarks were re entered way beyond the 7 year period. I think it is time I get money for damages and being violated. The credit companies claim oh the year on the date removed is not here yet. Well it was long passed long ago, I seek answers and stop violating me now. Please contact me and all these crooks, I want too sue for damages but need money for lawyers. I guess if multi million dollar companies can violate people due their un lack of money, then they need too pay up. XXXX my ph # Please contact all the credit reporting companies and stop this non sense.

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 2017-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I closed on a HELO C   on  X/XX/17  with a  bank representative,  XXXX   XXXX  at US Bank. At the time of closing it was disclosed that there was a {$500.00} early closure fee, and this came as a huge surprise to us. This fee was never properly explained to us, even after having explained to the inbound sales representative,  XXXX   XXXX , many times that we would be selling our home in about a year. I have escalated the issue and have spoken at length about the situation with  XXXX   XXXX  and  XXXX   XXXX . They informed me tod ay,  X/XX/17 , that th ey are unwilling to waive the early closure fee of {$500.00}. I feel that this is a huge injustice to me as the consumer as it was not fully and clearly explained. They claim it was disclosed, but i have no proof of that, and they are unwilling to provide that proof. If it was explained properly, you would think that they would have made sure that I understood the terms since it was stated multiple times that we would be selling our home within the year, triggering the early closure fee. I was told tha t the District manager,   XXXX   XXXX  was unwilling to waive this fee and it was his decision. I truly feel that we were mistreated and duped into buying a product that incurred unnecessary costs. I feel that this should be waived and there should be action taken against US Bank in this matter.

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 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I had a satisfactory account with  XXXX   XXXX  for over  three years. There w as a total loss to the vehicle and a balance was due that I was n't aware of. I subsequently qualified for a second loan with the institution 5 months prior and was never contacted about the first being in rears. The following year I discovered it in derogatory status on my credit report and immediately paid it in full. Representatives of the institution refuse to update my credit report accurately.

Company response to consumer: Closed with explanation