vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Received letter from XXXX XXXX, XXXX on behalf of Bank of America. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX could not provide debt validation. The situation was a nuisance and we settled via a stipulation for {$2500.00} with XXXX. XXXX XXXX did not disclose to us he was working with XXXX XXXX XXXX - a debt collector law firm. XXXX XXXX XXXX never provided any information to us via the FDCPA. We were completely unaware of their involvement in this matter until an email was sent to us by mistake on XXXX indicating they were in fact acting as an agent for Bank of America.We then contacted Bank of America , XXXX XXXX , CEO and were directed to a XXXX XXXX after many communications XXXX XXXX indicated this evening we were out of luck. The stipulation was signed # XXXX, it did not matter that the collection agent XXXX XXXX XXXX was not disclosed to us. When I asked for debt validation he said the " statute of limitations had run out '' and " he was unable to provide the validation ''. It did not matter as we signed # XXXX on the stipulation. I indicated to XXXX XXXX had any of this been disclosed to us we never would have entered into a stipulation. Had we known XXXX XXXX was involved along with XXXX we would not have agreed to any of this with Bank of America. There was deception in the lack of disclosure to us by Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was clear it would be punitive measures on our credit report as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX 2015 we contacted bank of America and told them we wanted to due a deed in lieu, because we could not afford the house. We were not behind in payments, but wanted to due the right thing. We went through all the steps filling out all paper work. Bank of America put a lock on the house the end of XXXX 2015 and we signed deed in Lieu paper on XXXX. When XXXX country notified me that the house lawn was not mowed, I contacted BOA, at that time I was told the deed in Lieu was not approved. I said you have locked us out of this house and did n't contact us that it was n't approved. They had sent a letter to the empty house, when they had know we had not lived there in four years. All monthly statements were sent to new house, plus in the process all letters, but this one had the correct address on it. They are now telling me that they are going through the foreclosure process, I feel it is to claim more money then we owe. We gave then a clean house with a new heating & air new floors. I have attached the appraisal done by BOA. They told me XXXX/XXXX/2015 that they are starting negative credit reporting. 
I would like BOA To remove all late payments after XXXX/XXXX/2015 and to complete the deed in lieu.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was " delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the account.

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 2017-01-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a fraudulent credit card in my name With bank of America without my permission

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 2015-04-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
An automatic call placed many times from XXXX states that there is fraudulent activity associated with my name and social security number. To avoid XXXX charges being filed against me they then give me a case number of XXXX and a contact number XXXX. When calling the XXXX number the operator tells me that I will be sued if I do n't come to an agreement even though it is a Time-Barred debt. They continue to call even after I tell them the debt is not valid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I opened bank account at Bank of America a month ago. Today I tried to deposit a check, and realized that they closed my account. I visited a branch, the banker did n't know why and he called somewhere ( maybe headquarter? ), but they did n't tell me why they closed it. The banker said that they just decided to close it-It really frustrated me. The only thing I did after opening it was making donation. There was no overdraft and I did n't do anything wrong. 
I XXXX about " account closed '', and just found out that it could affect me to have problem to open account at any bank.

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 2017-03-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
Navient is the servicer of my partner, XXXX. XXXX had a XXXX and has been XXXX since XX/XX/XXXX. I have made several attempts and have supplied them with the court ordered paperwork granting me guardianship with authority of all his financial, health, and property matters. They continue to refuse to assist me with getting some kind of forbearance for him now that he is unemployed and XXXX. 
Additionally, whenever I speak to someone, language is always a barrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: FL

Complaint narrative:
My Iberia Bank debit card was compromised by a criminal. I noticed fraudulent activity on my account, on XXXX/XXXX/16, with XXXX separate charges, all on the same day for a grand total of {$800.00} ( $ XXXX $ XXXX {$200.00}, and {$6.00} in transaction fees, {$2.00} for each withdrawal ). This is alarming, because I had my card with me the whole time, and never shared my card, or information with anyone. This means someone had illegally accessed my PIN, and had a device to make withdrawals at an ATM, that emulated my card. During the time of the fraudulent activity ( which took place in XXXX XXXX, XXXX, FL, approx 50 minutes away from where I live ), I was making purchases, and atm withdrawals in XXXX XXXX of residence. This proves that I was not present for the fraudulent charges in XXXX, FL. The bank has since denied my claim, and has left me as a small business owner ( self employed ) to fit the bill, for their ineptitude of keeping my account secure from criminals.

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 2015-07-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
My complaint is in regard to Navient ( formerly XXXX XXXX ), the lender that allowed me to take out loans in order to attend college ( The XXXX XXXX of XXXX in XXXX, Pennsylvania ). Since XX/XX/2015, I 've been writing to Navient to negotiate a new payment plan I can afford since I 'm currently unemployed. I requested that they only contact me via mail, to not contact my cosigner and to consider releasing my cosigner from my account. All letters to Navient have been sent certified and I know for certain they received them because they did respond to me in writing. Since then, my cell phone has been called at least once every day from numbers with different area codes that a web search shows to be Navient. In addition, Navient has written to my cosigner and threatened to report them for delinquent payment of loans. I would like to know if Navient is violating the Fair Debt Collection Practices Act when they proceed to do everything I requested that they not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I had a student loan with XXXX XXXX. It was the worst experience I ever had with a company. They do not care about their customers at all. I have been bullied by these people before. When I was struggling to make payments I actually had someone tel me I should n't have take out a loan I could n't pay back, and question why I would take out a loan I ca n't pay pay back. but life happens and I fell on hard times like many Americans and this company did n't even offer to help me one bit. I had catch up on payments before I could do a forbearance with them. At that time my fianc was sick with XXXX and not working and my paychecks went to keeping a roof over our heads. 

One time I had someone call me for a payment during my grace period and when I told them I was driving and would do it online later ; responded by telling me she would wait for me to pull over to give her my information. I honestly have never had XXXX good experience with this company. 

Then Navient took over my loan and I thought it would be better but it was n't. It was the same bullies operating under and different name. These people call you after XXXX 7 days a week and on holidays. Like most people life happened again and I could n't afford my payments they were one {$200.00} a month. I tried to do another forbearance but the man I spoke to told me I could n't I had used them all up. In the end I somehow got rigged into paying more than my normal monthly payment to " catch up ''. 
Recently, XXXX started the process to refinance my loans and while dealing with this company a " manager '' that I spoke with literally gave me a XXXX XXXX. He was yelling at me about making payments and they told me he was going to sue to me. I could n't believe the way this guy spoke to me like I was trash, trying to better myself because they were n't helping me. They kept saying they could help but no option helped because it ended with me paymore than I could afford. I was very willing to pay them but they did n't care to offer me anything to help me make affordable payments. 

I could go on and on I have been dealing with these people for almost 10 years. 

There is even a XXXX page called I hate XXXX XXXX. How these companies have gotten away with this for so long is crazy. I have been keeping record of how they have violated the law with there calling to collect funds and things they have said. Because they probably do n't keep record of the phone calls that end up with customers in tears. 

I work for a company that works with XXXX XXXX and I would never in my right mind suggest or let someone take out a loan with Navient or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
the debt was paid to XXXX agency, but another agency is trying to collect it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX I open a card with American express. it was a simple card with no rewards or annul fee. a few months later I learned they now imposed an annual fee so I closed it. 
In XXXX XXXX Three and a half years later, I received an offer from Am Ex about a card with {$250.00} incentive if I spend {$1000.00} in the first 3 months. the card did not make any reference to my old card in XXXX. 
Having vague memory of what happend a few years earlier, and not knowing any association between this new card and the old one. I signed up and began to use it over my other cards which also offered great rewards I did not think anything fishy as they are supposed to be a reputable company. 

In XXXX, I called to make a payment the agent confirmed I have " until XXXX XXXX '' to fulfill {$1000.00} and I would get the incentive. 
In XXXX XXXX. I called to make a payment the agent also reiterated the above. 
In XXXX however, they told me I would not because I had the acct 3 and a half years earlier. 

They refused to answer my questions : the old card was a different card with no incentives and no fee ( when I signed up ) They knew of this old card all along -- that was how they got my address and SS to offer me the promote in summer XXXX. 
they did not mention anything about the old card in their offer. 
They did not inform me policy change. 
in fact, the XXXX agents mentioned above confirmed I would get incentive. 

They waited until I fulfilled the requirement in XXXX to inform me I would not qualify for the incentive. 
Had they told me earlier, that having a card almost 4 years earlier would disqualify the incentive, I would have close card and would get my annual fee back and I would use other cards and receive great rewards. Infact, I would not have opened it to begin with. 

They failed to honor their word. 

I am very concerned American Express have been using deceptive tactics to allure customers. 
In XXXX it was annual fee which they imposed after I opened. They are doing it again. 
This time they refuse to honor incentive agreement by using the excuse hat I had a card before, something they knew when they sent me the promotion offer, and in fact all along. 
Of the XXXX cards, I spent {$2500.00} plus a {$95.00} fee ( for the new card. ) They made some money off my cards, they also need to honor agreements. 
They need to conduct business with integrity and respect. 
policy should be open, transparent and consistent ; should policy change, they need to notify me. 
They are operating an unfair and unethetical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
HSBC contacted me after the mortgage was a year behind there website never works and they will not send any statements I have paid on this house for 16 years and now they have turned the case over to an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I bought my first home in 2005 with no money down. At the time I was unfamiliar with the process, but the lenders explained that I would just carry two mortgages. One would be the primary mortgage for the purchase of the home and that would be a traditional 30 Year mortgage and the 2nd would be a 15 year mortgage for the down payment of the home. At the time I thought it was a really good deal. Both mortgages were with XXXX XXXX XXXX. Shortly after I closed the 2nd Mortgage was sold to HFBC who then became HFC Beneficial which is whothe 2nd mortgage is currently with. After I was notified of the sale of the 2nd mortgage I started going over the Amoritzation of the loan and realized that the 2nd loan is actually a Balloon payment. At the end of the 15 years my final payment is the same amount as the original Loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NE

Complaint narrative:
Fell behind on mortgage with Household Finance/Beneficial and made a payment agreement. Sent the first payment of more than agreed upon, but returned to me because it did not reach them within the date claimed ( takes time for mailing! ). The agreement was made after being denied for hardship assistance with the company, which in their denial recommended I do a short-sale or whatever, basically to get out. During this time I received several confusing correspondences within days of one another stating, thanks for the agreement, we want to help, etc. HUD does not assist on this company 's mortgages and HFC has a growing number of complaints nationwide on how they are taking back homes without working with consumers. I am one of them! Interesting that with 3 months of payments behind ( {$700.00} check sent back today ) that their interest in taking my home coincides with the neighborhood being deemed 'historic ', perhaps making this more valuable. Anyway, I am able to catch up over the next 4 to 6 months, but the company is claiming 'default ' and apparently about to start foreclosure. Our circumstance happened due to medical bills for XXXX and a garnishment I am resolving on my paycheck creating a better debt to income ratio within 30 days. HFC Beneficial has thousands of complaints listed online for foreclosures and difficult to work with. I am a witness and victim. Do NOT want to lose this home even though seems impossible to gain equity. Also they refuse partial payments, holding any payments sent in advance of a payment due without interest thus increasing the amount of interest owed - they apparently just hold it in escrow without applying any portion to payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
I ca n't believe how much interest rate I was charged for a XXXX dollar loan I was charged XXXX dollars in interest that 's 360 % I have paid off my loan. I hope you can do something so some one else from being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
I 'm trying to pay my bill that 's due XXXX XXXX, and I 'm trying to apply extra money to go to principal. I want to pay {$740.00} dollars ( XXXX goes to my monthly bill and the rest would go towards principal ). On their website, it only allows me to make the minimal payment and it says, " Please match the requested format ''. It 'll only allow me to submit payment and take me to the next page, if I type in my minimal payment of XXXX. There 's no option of paying more than the minimum balance and when I do try to type in more money in the box it wo n't allow me to go to the next page. I feel this is unfair, because of the bugs or kinks on their website, I have to suffer and accrue interest on the extra money I was going to pay. This is another way of keeping people in debt, and not allowing them to pay off their balance. I will attach screen shots.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
This debt of {$76.00} was paid in full to XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX, DE. XXXX. They forwarded my bill to Transworld Systems Inc. for collection and failed to inform them that I had written the final check of {$76.00} and mailed it to them. It was cashed and I assumed the acct. was closed. I checked my credit report and I see this debt was never reported as paid in full and therefore still shows up as unpaid and OPEN. I need to get this collection acct closed and off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: TN

Complaint narrative:
I was contacted by Douglas, Knight & Associates, Inc. about some money that I need to pay or set up a payment plan and if I do n't my TN driving license will be took from me. So I called but the lady who called me was busy when I returned the call back. No one returned my call so I called back the following morning. And i talked to the lady and told her I could set up a 10 $ payment plan and she told me it was n't enough. She got unprofessional and hung up the phone, so I called back to talk to the supervisor and Mrs.Lesey, the supervisor, also had an unprofessional attitude and continues to tell me that was not enough and what I need to pay. I proceeded to tell them that I 'm unemployed and on gov assistance and that was all i could afford that moment.

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