vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-13 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: GA

Complaint narrative:
In XXXX 2016 a collection account showed up in my credit report. I contacted the debt collector and made payment arraignments to settle the debt of {$380.00}. On XXXX XXXX 2016 the agreed payment of {$200.00} to settle debt in full was paid and acknowledged as received. Instead of updating credit bureau report as paid in full, it was updated to balance of {$180.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA bank have denied and have suspended our online banking access due to a prior debt that went to collection. This is sort of the same thing that XXXX XXXX XXXX XXXX is being sued for. It is unfair. We still have our money in that bank and we are unable to access our accounts online. We only have the mobile app. That said, it seems though we are being retaliated against. The bank is where people deposit their monies. It 's unfair to deny me online access to my account because I have a delinquent debt. The bank have a protocol to go through to collect debts. They were aware of that when they founded the bank and had their ribbon cutting ceremony that there would be losses. That people will fall short as we have. This account is over 15years old and still we have no access. Collections no longer report this debt, also the bank has wrote if off. Still, we are being penalized. Please help us. We are a military family and do n't have access to a local bank USAA in our area.. However, they are penalizing us by not allowing us access to online banking it is still under suspension. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
COLLECTOR IS IN VIOLATION OF FCRA, FDCPA, TCPA LAWS FRONTIER COM IS IN VIOLATION OF F.A.C.T.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Ref : Bank of AmericaI have been working with a loan modification since 2010 bank of america and since then bank has damaged my credit ; I have a credit card with the bank never paid late bank has reported on my credit file I filed Bankruptcy never did. Lender has denied me to reopen my account after I settled loan modification and has discriminated me on my credit application or denied credit. I explained never had or claimed bankruptcy and bank america still showing it on my credit report and refused to deleted error inf.. Can not apply for any credit card and my credit has been damaged by the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
I received a 2 % percent raise at my job and my husband 's received an annual raise as well. Because of the increase in our income, we were denied a payment plan through Navient because we have disposable income ( {$300.00} a month ). We recently purchased a house so that we could invest in our future and move out of an apartment and were told that, regardless of our monthly rent payment becoming almost doubling for our mortgage, I was still told that they could n't help me lower my payment ( which equates to half of our mortgage ). The suggested that I have a bank buy out my loans and renegotiate my terms with them, which I have looked into. Most banks that I looked at had higher interest rates than my already high ones through Navient which seemed like a dead end to me. I was not asking for loan forgiveness, but simply to lower my payment so that we could have money each month both to save and to use for unexpected expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a bank statement that was a couple weeks old. I noticed on the mortgage statement that my address was listed as XXXX and not the correct address of XXXX. I called BOA and was on the phone for over 30 minutes. It was unclear how and when it was changed. I went through all of my recent statements and learned that it was changed sometime between XX/XX/2016 to XX/XX/2016. I have been missing bank statements and now I know why. This was not the first mistake by BOA. Recently I was charged a series of fees by BOA that were removed after I learned that these were mistakes made to my account. I have continuously disputed the negative remarks on my credit reports but these mistakes are getting ridiculous by BOA. I believe that my address has been updated but now when I run my credit report XXXX appears on my credit report. I have never lived at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My mother passed away XX/XX/2014. Her checking account had been in both our names so that if she became XXXX, I could continue paying her bills. That is what happened in the last five years of her life. When she died, I left several hundred dollars in the account to cover any debts that I was not aware of. After a year 's time, I attempted to drawn-down the account only to be told that bank fees had XXXX-out the account. During that time, the bank had no communication with me other than to verify my mother 's death. I believe that at some point there should have been notification from the bank that the account was not showing any activity and the balance was being used up by fees. They say I should have received information at the time of becoming a co-signer regarding bank practices and fees. That had not happened and neither did my mother share any such information she had received.

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 2015-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX inquired about XXXX programs through BAC. It was a constant go around of submitting documents and forms. Many letters with false hopes and disappointment. BAC refinanced loan XXXX changing account number disqualifying my loan for any XXXX programs. I have called XXXX XXXX, HOPE, HUD. without any help. BAC is only interested in foreclosure or short sale. I have been paying on loan since XXXX. I do not want to default on loan. I contracted cfpb XXXX with this compliant. BAC XXXX a correspondence from CFPB. BAC responded with did not rcv paperwork in the past, submit XXXX, eligible for HAMP. I have been down this road too many times XXXX XXXX. BAC has given me the run around without helping me. For years BAC would have me resubmit same documents/paperwork. They offered me a standard refinance. This only cost me more money with the closing cost, and them messing up with my escrow causing penalty fees that has compounded my payments.Also, disqualified me from any federal programs having new account number. BAC was always mentioning foreclosure. This is a scary thought and adding undo stress. I have a thick folder of the BAC request and form letters. It runs in circles going no where.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
In late of the year XXXX, I got my house refinance with American mortgage company with a variable rate of 12 % and I have told as long as the rate market change they will make adjustment and a couple years later I believe they transfer the loan to Ocwen Loan Servicing since that period of time I never get any info from the mortgage company about the rate of my mortgage and I call Ocwen today and I spoke to XXXX XXXX and He told me his badge # is XXXX and I ask him about my interest rate and he told me 11.24608 % and I ask him how that can be and he told me a long history and He said that I agree with him in year XXXX for for a fix rate 0f 11.24608 and I told him I never talk to no one in Ocwen in any such act and I never sign any such contract with them because when I check online I figure out I still own them around {$40.00} and I thought the mortgage is suppose to finish pay for. I ask him the paper work with my hand signature and the witness where I agree with him and He asks me for my email address and I gave him my email address to send the package to me and I never receive from him. I believe Ocwen Loan servicing is a scam mortgage company and I ask you for help because I ' am suppose to be scammed by such institution who suppose to protect us. I really in need of help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Checking account open in my name and I explained to them that account is not mine now I got deninded to open a new checking account at a local bank where I live.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied for a refinance and was pre-approved. The sales agent said if the loan was not approved the house would not be appraised or the appraisal fee would be returned. My house was appraised but I never was informed about the status of the loan. I was cut off and all correspondence by me has not been answered. I have requested a return of the appraisal fee and I have had NO ANSWER. The process was appalling by all concerned and I would not recommend this bank to ANYONE.

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 2016-11-08 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In looking to exchange foreign currency, I found that Bank of America publishes one rate on its website available to public viewing ( a very favorable rate for the consumer ) and an entirely different rate on its account holders-only website when one logs in to actually make an exchange ( a much less favorable rate ). One can not order the foreign currency through the open-to-the-public site ; orders can only be placed once logged in. Even now, the rates shown in real time across the two website are significantly different ( a difference of approx. 15 % ). 

In short, I was baited by BOA 's favorable rates published online, and I went through the trouble and expense of opening an account in reliance on that rate. Once an account holder and able to actually place an order for the foreign currency, I was shown the significantly higher rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Vendor is improperly reporting late charges and has refused to close my account for over a year which has no balance. No statements were ever sent by XXXX and I never received any statements until I filed CFPB complaint # XXXX yet after I closed my card XXXX processed charges ( never sent me notice of charges or billing ) and reported late payments ( even though no request for payment by XXXX was made ). XXXX stated in response to that complaint that my card had in fact been closed XX/XX/XXXX ( even though it was n't ). XXXX charged me with late fees and reported on my credit even though the card was closed with no balance. I received the attached letter in the mail on XX/XX/XXXX stating that my credit card ( which XXXX states was closed XX/XX/XXXX ) was being transferred to a new account. That new account shows open online and that I can make charges. I can not re-open the prior CFPB complaint to add this response so I am filing a new one. Either XXXX fraudulently notified the CFPB that my account had been closed ( see CFPB complaint # XXXX ) or my statements about their systems malfunctioning are correct. If I am correct then that further demonstrates the incompetency 's of their system and inappropriate late reporting. If I am not correct then that means XXXX knowingly summits false claims to a federal governing body. Take your pick.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient took over my student loans from XXXX. 
I have had problems ever since. 
Their website is EXTREMELY difficult to navigate, I have received different information from each person that I have spoken to regarding various issues & most recently when applying for an economic hardship deferment, I have become extremely frustrated with this company. 
I have been granted an economic hardship from XXXX, my other student loan provider & it took them about one DAY to do so. I have spent MONTHS trying to get the same deferment processed through Navient, however, I am pretty sure that they make the process difficult on purpose. I provided proof of my deferment from XXXX to Navient along with the deferment application & repeatedly it has been denied. However, there is no information about WHY it is denied, just that I am not providing necessary information ...? So, then each time, I must call Navient and ask someone why & they tell me to do something different & re-submit. Still, months later, when my forebearance is about to expire, they have not processed anything nor have they tried getting in touch with me. 
When I called again yesterday, I was told that they need proof of my income. Even though I have already provided proof of my deferment from XXXX, which is generally all that is needed, proof of acceptance from another provider. And I was told previously that this is all Navient needed. Now they want a paystub. I do not have one, I am self employed. SO, she tells me that I should be applying for an " unemployment deferment '' ...?! I am not unemployed! I just do not have a proof of income YET ... 

So, I sit waiting once again to see if my deferment application will be accepted. 
I am pretty sure that this company deliberately makes this process difficult & their website hard to navigate to keep people from being able to to what I am trying to do, ask for assistance while not being able to pay back their loans, temporarily. 
I have never had any issues with ANY OTHER STUDENT LOAN PROVIDER until this company took over. 

PLEASE HELP!!

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: CT

Complaint narrative:
I enrolled at XXXX XXXX XXXX XXXX in 2012. At the time I had {$XXXX} income and only very small amount of child support for XXXX children. I filled out all necessary paperwork at the school for financial aid. Upon graduating, I started to receive payment statements for my loan of almost {$14000.00} due to the federal gov't. There is no way that with {$XXXX} income I would be able to make $ XXXX monthly payments. I contacted Navient and was told on many occasions that this is what I owe. How is this even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I am writing to dispute the following information that your company provided to XXXX Credit Bureau, XXXX XXXX XXXX, XXXX, TX XXXX. I have circled the items I dispute on the attached copy of the credit report I received. 
This item : " Credit Limit/Original Amount '' and " Recent Balance '' is inaccurate because it portrays to prospective creditors and to the scoring algorithm of XXXX that I have exceeded my credit limit by more than {$15000.00} which creates a negative impact on my score. I am requesting that Navient have the item ( s ) correct their reporting metric to reflect my Credit Limit/Original Amount equal to my Recent Balance to correct the information. This is consistent with the way my student loans with XXXX XXXX are reported and those are not having a negative impact on my score or raising a concern with potential lenders. 
Enclosed is a copy of my XXXX Credit Report with Navient and XXXX XXXX sections circled supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them correct the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
For months now, Navient has continued to improperly bill me for Private Student Loans that have been paid off. Following some refunding they did re : an earlier issue in XXXX of this year, in XXXX, they missed billed me for {$600.00}. After a couple of calls to them, a refund of that amount was set up, and the XXXX Navient Rep. I called in this regard guaranteed the he made the needed changes to their automatic billing system so that the incorrect billing would not reoccur. But, on XXXX XXXX, it happened again for that same amount. After several phone calls, I was told that, supposedly, the refund for XXXX had been approved and is was awaiting for their Monetary Department to make it happen. Today is XXXX XXXX, and the refund still has not arrived. I am having a hard time deciding if it is their plan to stall and hold onto such moneys for their financial gain, or if it is simply ineptitude. Either way, shame on Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America ( XXXX ) insurance company for BOA has duplicated a claim and has left the status as open when it 's closed and has been closed since XXXX 2012, there was only XXXX claim at this time ( XX/XX/XXXX ) this is an attempt to force me to pay higher premiums for home owners insurance with them, I am not able to get a decent rate anywhere with the duplicate, open claim that ( XXXX ) has on my record. I have spoken to numerous of agents with XXXX and I was told that it 's closed, not duplicated and it still shows on my record. PLEASE HELP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I open an account for my XXXX Daughter wicht I specif made clear that the account has Not Ovedraf and No over drawn privileges. It is on the account contract., but Bank of America have taken almost {$200.00} on overdraft fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Total Card, Inc.
State: SC

Complaint narrative:
TCI - Total Card, Inc. calls me incessantly about a debt they purchased from XXXX. I know XXXX as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, XXXX, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XX/XX/2016 from Total Card , Inc. stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.

Company response to consumer: Closed with explanation