vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I 've been in contact with Bank of America for over 45 days ago trying to get a second mortgage lien released which the terms have been fulfilled since XXXX XXXX. BofA should have been processed via their lien release with the county within 60 days of the terms being fulfilled according to Louisiana law. Well here we are 1.5 years later and I am trying to close on a HELOC and appears a title problem because BofA did n't do it 's job. I spoke with customer service ( about 3 rude people saying I should have followed up on this in XXXX and not knowing the proper procedure in their system to request this and about 5 nice reps ). I first asked for a Cancellation of Lien Instrument at the beginning of XXXX. A rep XXXX XXXX ( who 's name is not found later nor his extension he gave me ) faxed me Payoff Letter of Satisfaction on XXXX with all the wrong dates of the payoff and told me this would satisfy my request. Later I call back stating that my lawyer says this is NOT acceptable. The next rep stated that my servicing loan officer and their title lawyer needed to file for the request ( she was clueless ). Finally, after many long holds one of the reps knew what she was doing and created an escalated request for the the lien release with a request ID of XXXX, except escalated is still very slowly and has caused a major headache. The problem is that was a month ago and anytime I call I get a run around about the status being in progress and to call back the next week. I 've had a lien released before and it took the company less than two weeks to complete the paperwork and file with the county. Where my frustration lies is that I 've been given a request id over a month ago and most recently a direct number to an escalated team member XXXX XXXX XXXX ext XXXX who wo n't return my phone calls ( 2 voicemails ) and a rep has supposedly sent her an email to call me. When I call customer service they only say it 's in progress ; this is an unacceptable answer. I have made it very clear in several attempts to express the urgency of this matter being that it is hindering progress on my closing, but no one seems to care enough. My patience has run thin I 've called in weekly and sometimes twice a week so I 'm now I 've been led to file a compliant with CFPB as suggested by my lawyer. Bank of America has to do better with their business processes or at least have someone you can talk to who can get things done in a true escalated fashion. BofA is a large corporation with a huge staff surely they can handle such a menial task one would hope. This makes me never want to do any business with them regarding mortgages ever again.

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 2017-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have filed  XXXX  previous complaints. I want to make you aware of all the financial institutions involved in a current military scam, it is adverselyaffecting thousands of people.  XXXX  #  XXXX  and  XXXX  #  XXXX . This  XXXX  is about  Wells Fargo . As in previous complaints money is put into accounts and the pulled out of people 's accounts that are victims of this scam. The funds that pay and pull payments from other credit card account are always  Wells Fargo. I a m pretty sure that someone that works  at Wells Fargo i s providing the scammers, supposed  XXXX   of U nited States  XXXX ,  XXXX   XXXX   XXXX ,. I have filed with numerous government agencies to try to prevent other people from falling prey and becoming victims of this military scam. I have account numbers for accounts here. I also have names account numbers that scammers have you deposit into for other banks. I am more than happy to provide you with this information at your request. I also have names of potential family members of scammer and associates that could possibly be employees of  Wells Fargo. The sca mmer lives in  XXXX  CA, not all that far away fro m Wells Fargo HQ.

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 2017-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
I am currently being sued for a judgement in which I do not owe. I never had the property more than 2 days ( returned the vehicle due to a lemon law and the   XXXX   XXXX   in on me and my child ). I also informed the dealership of this and the company. The company suing is not on any of my credit reports as was reported as fraud. The original judgement I never received as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
On  XXXX   XXXX   Blake Whitt pl aced a collection on my credit report without properly notifying me according to FCRA, at least 5 days before. The collection agency claims I received mail on  XXXX   XXXX ,   XXXX   but did n't show proof of delivery via certified mail or neither will they tell me which address they sent this mail too. No phone calls were ever made by the company to try and collect on alleged debt to me. No notice was served at all. I do n't even know who the debt is from or why it was collected. I sent out a letter requesting a debt validation to the collector via mail which they have failed to respond to. Please remove this debt from my credit report that was wrongfully added. This has damaged my report by  XXXX  points right while I am in the process of getting a home. If debt is not removed I will proceed forward will suing the collector and the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: AZ

Complaint narrative:
My wife ( we are divorcing ) had  XXXX  in  XXXX , AZ, in  2016   . She refused to pay the surgeon 's bill as she was dissatisfied with the outcome.     All  XXXX  major credit reporting agencies, then put her debt ( it was then {$430.00}  ) o n my credit report as well.     I wrote all   XXXX   agencies and explained that this was not my debt.  XXXX  and  XXXX  immediately removed this debt from my credit history, but so far, after 3 attempts to remove this debt from my Experian Credit Report, they have steadfastly refused, even though it is not my debt. They have lowered my FICO score to approximately  XXXX , while the other  XXXX  agencies are reporting my FICO score  as  XXXX - XXXX .      Experian is harming my ability to obtain a better mortgage rate, and lower credit card rates.     Thank you

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 2017-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Continued attempts to collect debt not owed. Filed a complaint with the original creditor  XXXX   XXXX  and they stated in their response that this complaint does n't belong to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I have submitted a modification packet since  XXXX / XXXX / 2017 . I was told my packet was going to be review for a modification. However ; SLS schedule a sale date 15 days after they had acknowledge my application. SLS does not want to put my sale date on hold or push it back until I get a decision. I am very upset of the way SLS is reviewing my loan at this point I dont even believe SLS intentions are to help me. Since SLS has done this to me in the pass, I am very scare to lose my home. I dont have any where else to go, and my intentions are to keep my house with an affordable mortgage payment. I am still willing to work with SLS however they are just prolonging my case so my home can finally foreclosed.

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 2017-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CONDOR CAPITAL CORP
State: KY

Complaint narrative:
I have contacted condor capital several times requesting that they send me a 10 day pay off amount with the 1 day perdiem and the payoff address. This has been ove r 2 weeks. They told me several time that it will only take 24 to 72  hours to receive the forms. I have yet to receive anything. I am trying to refinance my car with another company and they refused to provide the information. which is causing not to have to car refanance

Company response to consumer: Untimely response
Consumer complaint received 2017-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Hello, I am reaching out to receive assistance in regards to an urgent matter. On  XXXX / XXXX /  XXXX   @   XXXX   XXXX  . my vehicle was repossessed by  Honda Financial Services . I have had a rough patch in regards to payment and have clearly communicated this to  Honda  at different points in time. The events that led up to my financial woes are as follows : my husband left my child and I after  eight  years to fend for ourselves ; I was laid-off from my permanent position in downtown  XXXX  , D.C. ; and  I have been working temp positions here and there until I was finally employed by my current employer which just happened on  XXXX / XXXX /  XXXX  . The car being repossessed happened a day before I intended to make payment on the past due balance. I understand they kept calling, but I can not answer the calls at work, since again, this is a new position. Can yo u imagine the hurt of walking outside with my child to take him to school and head to work and my   XXXX   old tells me " Mommy o ur car is stolen! '' Can you  imagine  the embarrassment or not being able to show up to work due to my car being repossessed? I need my vehicle in order to get from point A to point B - to take my child to and from school, and for me to get to and from work. This is the first time I have had a repossession. It was ridiculous that when I went to pick up my belongings, they already had an agent the same day, less tha n five hours after picking up my vehicle, going through my belongings and bagging them up. Really-I could no t get an update from  Honda Financial Services in reg ards to the repossession until after  XXXX , but their repossession agent was able to go through my belongings in less than  five  hours from the time of the repossession taking place. When I ca lled Honda Financial Services t o get information, I was met with a " be patient, we still have to wait for information from the agent. '' Yet when it came to me making payment and asking for their patience due to my circumstances, I was met with hostility and urgency. I was not ducking or hiding from Honda-they were easily able to find my vehicle outside my apartment building. There was not trying to get over on them. I had ran into hard times, and as soon as I was starting to climb out of those hard times, I am pushed right back into the hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
I received a call on  XXXX   XXXX ,   XXXX   early in the day. Call was from  North Star Location Services. Spoke quickly and left a telephone number to call. Voice said this is a call from a Debt Collector. Did not know this company and never did business with the company. Company 's  telephone number is  XXXX .     Message was left on my voice mail. I did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On  XXXX   XXXX ,  XXXX  I subscribed to a  XXXX  year computer virus protection "  XXXX  '' for {$31.00}. I turned the auto renew off so I would n't automatically renew after a year. However, in  XXXX   XXXX  the company charged me {$74.00} for an auto renew.     I contacted my credit card a t BOA an d at first they put a hold on the charge. However, the vendor responded to the bank that the charge was for an active account and was auto renewed. BOA then put the charge back on my card.     I called BOA and explained that I was not set for auto renew and they told me it does n't matter because the companies website states that subscriptions auto-renew. I explained to BOA what is currently on the website is irrelevant because I have a document that shows I am on manual renew.     I told the bank this was an unauthorized and fraudulent charge and I wanted it removed. BOA told me they would not do that because I authorized the charge. BOA then told me a charge is not considered fraud or unauthorized if at any point in time you give a vendor your credit card information.     I was very confused with this statement and asked them a question using this example.     " If I were to go out to dinner and pay with my credit card, an d four we eks later the vendor charges me for a meal when I was n't there that would not be fraud because I previously gave them my credit card information? '' BOA told me that is correct.     This seems unbelievable to me, and I was talking to the card manager.

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 2017-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was charged {$400.00} by a company named  XXXX   XXXX   XXXX  for a contract on a party bus contract that i am not named on. I paid the remaining balance prior to the party and received a receipt for {$370.00}. The next day i was charged {$400.00} by the  XXXX   XXXX  for overtime and a clean up fee. I was never informed of a charge or knew such charges existed as i was not the direct client and never signed any contracts or agreements. I tried to get a refund from the company and told them you never mentioned a charge for the overtime and clean up. They sent a text that there as overtime and  XXXX  on the bus. That is all the text read and I was charged {$400.00} the next day. Their response to my requesting a refund and that they please work out the charges with their client was " you were informed '. So i told them I would contac t JP Morgan Chase and have the unauthorized charges disputed. JP Morgan Chase  did reverse the  charges.The  actual  XXXX  Bus customer worked out a lower charge of {$300.00} and  XXXX   XXXX   XXXX  then sends a refund to me in the amount of {$100.00} via my debit card, I sent the {$100.00} my friend, their client as they were not my funds and told him to let them know . JP Morgan  reverses the refund from the  XXXX   XXXX  to themselves. On  XXXX / XXXX /  XXXX    JP Morgan  emails me that they are reversing the amount of {$300.00} based on documentation from the company, this created a {$300.00} hole in my account. When i called them i could not get them to send me the documentation given to them, which has to be falsified as i have never met these people been to their location or signed not  one agreement or contract with them. I had to go to a branch and explain this situation and still could not get a copy of the information. I am now waiting 7 to 10 business days for this documentation JP Morgan  used to help this company steal my money. Oh and  XXXX   XXXX   XXXX  was paid the {$300.00 } Overtime and Clean up   fee by their direct client. So they have been paid twice for the same service and will not respond to my emails requesting a refund or a copy of the documentation. i feel helpless in this situatio n. JP Morgan s hould have emailed me a PDF of this proof or at least sent it to the  Branch s o they could review it with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUTOMOTIVE CREDIT CORPORATION
State: VA

Complaint narrative:
I am currently being sued for a judgement in which I do not owe. I never had the property more than 2 days ( returned the vehicle due to a lemon law and the   XXXX   XXXX   in on me and my child ). I also informed the dealership of this and the company. The company suing is not on any of my credit reports as was reported as fraud. The original judgement I never received as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I believe I  was one of the people affected by Navient 's deception with their student loan borrowers. I did n't receive timely informatio n about renewing my income-driven repayment plan, and they kept sending messages through their secure website which I struggled to find and log into and then you have to have a PDF reader to even open them. This caused me to not meet the deadline to re-apply for my income based repayment plan and my loans jumped up hundreds of dollars. I also do n't believe they allocated my payments correctly because it does n't look like anything went towards the principle. All payment we n't towards interest and yet my interest was still climbing. I believe they deceived me in my income-based repayment plans because they had my monthly payments at {$0.00} at one-time but they did not allow me to make any payments since they showed that {$0.00} was owed each month. So my interest continued to accrue but I was n't able to make payments. Then when they did show that I owed, they would n't let me pay more than what the monthly amount was owed so I was never able to pay off more every month so that I could work towards getting my principal and interest down. When I called in they tried to get me to take the forbearance plan so that I did n't have to make any payments but I told them the issue was n't that I could n't make payments but that I could n't afford the hundreds of dollars a month they wanted me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequoia Financial Services
State: CA

Complaint narrative:
Was successfully paying medical debts to hospital. I then suffered a temporary XXXX XXXX. I contacted the hospital to request a payment deferral which was verbally approved by hospital. My next contact were from a debt collection agency on multiple separate accounts associated with hospital all of which had previously been consolidated into a single original payment plan with the hospital. I disputed the amount owed and asked for a full accounting of all charges and payments previously made so that I could reconcile and confirm the amounts claimed I owed. The debt collector never responded to this request but is now reporting all of these separate accounts to credit bureaus. My letters sent via certified, first-class, USPS mail are attached herein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12 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: MD

Complaint narrative:
There is a closed paid collection being reported on my Equifax credit report by a debt collection agency that I did not have an account with. In  XXXX   XXXX , I noticed  XXXX   XXXX   XXXX  based in  XXXX , MD reported that I owed them {$120.00} and that the account was opened on  XXXX   XXXX ,  XXXX . I had never received any correspondence nor had I had any communication with this collection agency. I disputed the debt with Equifax twice and with   XXXX   XXXX   XXXX  . According to  XXXX   XXXX , the tradeline was removed on  XXXX   XXXX ,  XXXX . Approximately, a week and a half later the tradeline had reappeared on my Equifax report with the same inaccurate information. I then contacted the original creditor The  XXXX   XXXX   XXXX   XXXX  to inquire about the amount that the collection agency was reporting. On  XXXX   XXXX ,  XXXX  I went into the credit union and paid them directly in the amount of {$140.00}. Because this inaccurate information is negatively affecting my credit score, I asked the credit union to inform the collection agency that the debt has been paid in full and to remove the inaccurate information from my credit report. To this day the collection agency is still reporting on my Equifax report as if I had paid them instead of the original creditor. While the account has been updated to paid and closed, I would like for the debt collection agency to be completely removed from my credit report since I did not have an account with them, I did not sign a contract with them and I did not owe them any debt. I have attached a copy of the paid statement received directly from the credit union.     Thank you in advance for your assistance.

Company response to consumer: Closed with explanation