vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
Central Financial Control and XXXX XXXX XXXX XXXX XXXX refuse to acknowledge that payment in full was made and deposited into XXXX account on XXXX/XXXX/2015, and to remove their collection notice from my credit bureau reports. I have called CFC to explain this several times, and I have faxed the information to them twice, most recently over 3 weeks ago. 

XXXX refuses to discuss accounts which have been sent to CFC for collection, which makes it impossible for me to explain to them that they have already accepted payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Total Card, Inc.
State: CA

Complaint narrative:
I received a collection notice from a business that claims to be a debt collector. They are supposedly acting on behalf of another business, which is shown on the notice I received to be the " current creditor ''. The notice also shows another business as the " original creditor ''. 

I never received any type of notice from either of these XXXX businesses telling me that I owe them anything. It is because of this that I do not believe this is an actual debt. It is most likely a fake debt that this " debt collector '' is using to collect money for themselves. 

The notice shows me owing {$960.00} to XXXX XXXX XXXX, which is shown to be the current collector. It also names XXXX XXXX XXXX as the original collector. 

I am told in the notice that I have XXXX different ways I can pay off the amount I owe. I can make a one-time payment of {$290.00} and settle my payment in full. Doing it this way would save me {$670.00}. It also shows me being able to set up a payment plan of {$57.00} every month for six months to pay off the entire amount due. My final option would be to pay the amount I decide I can afford to pay monthly, which would have the entire amount repaid after the number of months needed to pay off the entire {$960.00}. 

The name and address of the business claiming to be this debt collector is : Total Card , Inc . 
XXXX XXXX XXXX XXXX, SD XXXX # : XXXX is also stated that I have thirty days to contact Total Card, Inc. to dispute this notice. If they are not contacted, this notice will be considered valid. 

The notice also says that the company they are representing will not be able to sue me because of the age of this debt, but it does not show me anything regarding any previous transaction date for any type of business that was done for me by XXXX. 

I have already filed a complaint with the XXXX regarding this notice, and my response back from them mentioned you as another agency that I can contact regarding this debt collection and whether this attempt to collect a debt is even considered legal. 

I have kept the original notice that I received from this company, along with both the envelope it was sent in and the return envelope. I would like for you to contact me back to let me know if you feel I should send you this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I purchased a secondary market gift card at a XXXX % discount from XXXX XXXX XXXX. They charged my Amex card through XXXX for the amount - {$25.00}. XXXX then issued a separate charge of {$10.00} for " cash equivalent - transaction fee '' This amounts to XXXX %, no notice and vague definitions do not even get close to this type of transaction. I have been buying gift cards for years from various vendors and have never encountered or been aware of this a fee. I feel scammed and the fact that there is no notice and the high percentage should not be allowed.

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 2016-08-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a Bank America cashier 's check in an ATM machine at the XXXX Branch in XXXX Florida on a Saturday XXXX/XXXX/2016 and the ATM machine ate the check. Waited 30 minutes to get a phone answered and did reported it via phone, physically went to the bank that Monday to report the problem and provided them a copy of the check. Am being told there is nothing they can do with the {$970.00} deposit but wait for 90 days to put a stop payment on the cashier 's check and reissue it again. NOT ACCEPTABLE TO MAKE ME WAIT 90 DAYS BECAUSE THEIR MACHINE ATE THE CHECK.

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 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: AL

Complaint narrative:
I am just a cosigner on the loan. The amount changes every time they ( Navient ) call. They are telling me that I am so behind in payment when I just recently paid last month in XXXX and XXXX. Navient is saying that I owe double the amount. Navient is saying that I am two months behind, but I am not since I paid the amount that was due in XXXX and XXXX. The man I talked to had just threaten to apply against my credit. I am very displease with Navient. They are mistreating loan borrowers. I am unsure of what I owe them. The amount changes every time they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Hello, I have been banking with Bank of America for over 25 years. Today, I tried to log into my account and could not. I contacted Bank of America and I was informed that they closed my account for business reasons and there was no other explanation from them. I have never bounced a check, I have excellent credit, and I have never had banking related issues with bank of America. I have a lot of auto ACH transactions with BOA that have been set up for years and suddenly shutting down my financial life without any notice or explanation has created tons of problem for me. How can this be legal? Why wo n't they give me time to move my relationship, how can they create such a financial burden for me without cause or notice. This is unfair.

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 2016-11-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I was moving to in XXXX of 2016 XXXX and on the way there I got a call saying my card was being used XXXX where I used to live. I told them it was not me and to cancel the charges. come to find out the canceled them then put them back on my card with out telling me. XXXX of my purchases on the way XXXX was a Hotel room XXXX a day before the first fraudulent transaction happened. I was clearly not any where near XXXX when those purchases were being made and bank of america refuses to accept my claim.

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 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: CA

Complaint narrative:
My name is XXXX XXXX. I am having trouble paying my son 's student loan. I tried to lower my payment. But I was told that I couldn't..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and I was approved for a modification in the amount of {$1600.00} per month that I could not afford now. I have a change of circumstance and has been approved to opt out for the reason of medical problems XXXX that I have been diagnosed by my medical doctor. I have been back and forth to the hospital everyday undergoing XXXX. My wife is no longer living with me and my only income is {$760.00} per month XXXX. I was informed by my relationship manager that my approval to opt out of the previous mod was approved. I contacted Bank of America relationship manager and was not able to speak with him. Spoke with another relationship manager and was told I was declined for the modification that I opt out of that was told to me I was approved to do and start another modification process and would take ten days. My loan was originated FHA that I was approved to opt out. When I contacted the office on XXXX XXXX a relationship manager said my contact was not available and told me I was going to loose my home if I did not short sale or pay the entire balance owed on the home. She did not assist me on applying for a new modification just very rude. Did not care that the lender was not going to get any money for mortgage payments at all. I informed her I was going to file a consumer complaint again the lender for failing to assist me in saving my home, She said go right ahead. I informed her that I have to go back to court on XXXX XXXX and she said at that time I would be put out of my home. I was told that it would take 10 days for my modification for Change in Circumstances to be review and I informed her my wife has walked out and left me as well. My only income will be to pay the mortgage. She did not care. Very Rude Lady. Please assist

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 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received a call at XXXX from Bank of America a voicemail was left about my account being locked and I am not a Bank of America customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XXXX, XXXX I deposited a check into my Bank Of America checking account from my ex husband XXXX XXXX for {$2500.00}. It was for court ordered alimony & child support payment for XXXX due on XXXX/XXXX/XXXX ( it 's dated XXXX/XXXX/XXXX idk why ). The check is written out on a Bank of America checking account. It cleared and no problem. XXXX XXXX XXXX I received a call that a check I wrote to my accountant had bounced. After further investigation I found that XXXX had put a stop payment on the check and they deducted from my account 45 days later. I 'm questioning the legality of this action. There must be some kind or rules as to limitations of stop payments can be made. I encountered not only embarrassment from this action but bank & other associated fees due to this action. I want to know if this is legal or not? I have filed a complaint with the bank with no success or answer to my question.

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 2016-06-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was a student at XXXX -- and I believe I was a victim of fraud or other violations of state law by the school, and I wish to file a claim for " borrower defense to repayment. '' I was promised a guarantee of what my salary would be and the types of jobs that would be open to me. I have not found any job that pays even half of what I was promised and I am unable to pay for my student loans, my credit has been severely damaged because of this, I am unable to purchase a home, or a car. The entire situation has caused extreme hardship for myself and my wife. I was promised a better life, which the complete opposite has happened after my attendance, we suffer everyday because of my attendance at XXXX. The recruiter came to my home and lied about the school, what would happen and even how long it would take for me to complete my education. 

I attended XXXX at the XXXX XXXX campus beginning XX/XX/XXXX - XX/XX/XXXX My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We have been denied a loan modification for the third time despite meeting all the guidelines. XXXX XXXX XXXX blames the Investor Deutsche Bank National Trust Company as Trustee on behalf of XXXX XXXX XXXX XXXX Mortgage. This Investor gave a sub prime mortgage and continues to be predatory in regards to how every six months our monthly payments doubles. In XXXX 2016 our payment increased by {$1000.00}. and in XXXX the payment doubles. This Investor gave us a four year trial modification which we paid on time for XXXX. This investor has refused to modified the loan permanently which is a violation of the law. The investor is hoping and praying that we stop making our payments so that they can foreclose on us. Deutshe Bank and XXXX placed a {$93000.00} junk fees and charges which continues to hurt us, because they gave us an interest only payment which does not exist anymore. This Investor does not want us to live their AMERICAN DREAM OF HOME OWNERSHIP.

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 2015-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
BANK OF AMERICA did not contact me. 

I am attaching the relevant document. This is an addendum to the prior case filing, out of an error in the filing. Thank you. This is not a new filing.

$XXXX is insufficient, given what is attached. 

"In addition to seeking redress under the FDCPA, the CFPB said that it is using its authority to regulate unfair, deceptive, or abusive acts and practices (UDAAP) in the financial marketplace under the provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act."  

Please see attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: TX

Complaint narrative:
I have contacted Navient many times to see if I qualify for a payment reduction or to consolidate the loans and they have told me many times that for my loan that can not be done. At this point I dont know what else to do. I pay and the balance never goes down. It is a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
My father provided me with with a down payment for a house on XXXX acres of land in NH. My mortgage loan was approved for {$150000.00}. After the mortgage loan was approved, the seller stated that he would only complete the transaction if an additional XXXX acres was included in the sale for an additional {$60000.00}. We made a sales agreement for the additional land and paid for it directly to the seller. At the closing the mortgage and deed included the dwelling and the entire XXXX acres. The closing process should have deeded the dwelling and XXXX acres to me as approved on the mortgage application. The additional XXXX acres should have been deeded to my father and mother because they purchased that parcel of land on a cash basis. The original mortgage was held by " Country Wide ' but is now held by Bank of America. Bank of America will accept an application for release of the XXXX acres. The request application carries a charge of {$500.00} and only provides a review of the situation. I think it is unfair to have to pay {$500.00} to Bank of America to consider my request. In fact, further review of the attached documents will clearly show the said XXXX acre tract was clearly purchased and paid for in-full at the closing. The XXXX acres of land in question, therefore, should not be included as security on the current mortgage loan.

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 2016-07-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I was received a letter from the " FIRST CREDIT SERVICES '' stated that I owed {$370.00} to XXXX XXXX XXXX XXXX FL Original Creditor that I have 30 days to answer. 
I send a letter to dispute the validity of the account before the XXXX day notice. I did not received any answer from FCS. Then I received a notice from XXXX XXXX stated that FCS sent my account toXXXX. They did not give me any chance to negotiate with them before sending my account to Credit Bureau Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
i received a collection notice dated XX/XX/2015 back the beginning of XXXX 2015. They demanded payment on behalf of a company by the name of XXXX XXXX XXXX. I have never heard of this company, so on XXXX XXXX, 2015 I sent a written request for validation to ACS, in the return envelope they provided, and the first class postage I provided. On XX/XX/2015 I received another demand for payment, by they have yet to honor my request for validation of the debt they are attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation
State: NJ

Complaint narrative:
I opened a XXXX and leased a credit card machine the business was n't doing well and had to be closed. I was told that if I returned the equipment everything would be fine so I did. I was never told that I would be responsible for paying for the equipment even though it was returned to the merchant. The company first data has this account on my credit report and it 's affecting my ability to get a mortgage. Please help me remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation
State: DE

Complaint narrative:
TRS sent us a letter stating we needed to pay a XXXX fee for a check that was not honored at XXXX. We had plenty of money in our account. Apparently the FTC already fined them XXXX XXXX for ripping off people with this scam. Our bank never received a check from them. They never presented the ck for payment. I pray they do not damage our credit. This has got to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation
State: TN

Complaint narrative:
I had this account with XXXX Credit Counseling in a group debt management program. This company called and said I had to set up a payment for this account and when I questioned if this account was already with my debt management program, they misrepresented the status of the account and told me I needed to sign up for XXXX dollar a month payment plan. They did not correct me when I asked them if this was a different account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commercial Acceptance Company
State: NJ

Complaint narrative:
I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the 1st time with a name of XXXX as the rep. on XX/XX/2016 I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016, I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies. they violated credit reporting and debt collection practices Please investigate to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JH Portfolio Debt Equities, LLC
State: MA

Complaint narrative:
A collection agency, Credit Control XXXX LLC, for XXXX claims I owe {$31000.00} for a Credit Card number ending in # XXXX. 
The credit card had a {$2000.00} limit. 

This was a Credit Card i got through the XXXX. Postal Service and the XXXX and XXXX. 

This was a NO-INTEREST credit card, now they are charging me interest.

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