vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-01 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:
Account Service : NavientAccount Name : XXXX XXXXAccount Number : XXXXAfter making on time payments for more than 4 years, this firm refuses to remove cosigners name from my account. Every time after my request to remove cosigners name, they have come up with some other excuse not to remove cosigners name. I have provided all kinds of documents to them, such as, copies of my graduation, pay stubs, XXXX 's, recent tax returns, citizenship papers. All those documents have been ignored. 
My cosigner is XXXX years of age and have no income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I refinanced my home to get away from Bank of America due to their poor customer service ( previous complaint filed by me through this service ). Due to the processing time with closing, I went ahead & made a payment to avoid any 30 day late reporting to the credit bureaus. Payment would have been received by BofA on or about XXXX XXXX. I called on XXXX XXXX to make sure they had received the payment and asked when my refund would be processed ( the XXXX payment plus some escrow balance ). They originally advised with would take a couple of weeks but I was able to get someone to get special authorization to release the escrow funds early and the check ( in excess of {$1100.00} ) was supposed to be processed and mailed to me the week of the XXXX. I phone BofA this morning to find out what date my check had shipped and was told it was made out to the wrong payee ( XXXX with BofA admitted the payee had absolutely XXXX connection to my account and it was not a business name that I recognized ) and so now the delay was waiting for those funds to be redeposited into my " account '' so they could issue the check to me properly. I asked if that was going to be done immediately and overnighted to me because they were not paying me any interest on my money that they are now holding without my permission yet I am paying interest on it elsewhere. XXXX was going to try to get it expedited and was going to see if perhaps it could be overnighted to me but that it might still take 3-5 business days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX purchased discharged mortgage from bank of america and now activated the loan and has destroyed my credit. this loan was chapter XXXX discharged on XXXX/XXXX/2011.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have n't been able to get lower payments upon even requesting I 'm paying XXXX plus dollars a month for my student loan for many years with no decrease in the amount still almost {$90000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 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: GA

Complaint narrative:
Hello, I need your assistance as these banks are misleading people with information. I ask Bank of America on more then one occasion what credit bureau do they pulls credit score from and I was told they Pull from XXXX. They Bank of America ( BOA ) pulled my credit report from XXXX when I was instructed they would only pull from XXXX and I got denied credit because I was mislead. I have been with for years and never had any issues until. I would like for BOA to remove the inquire on my credit profile as I did not approve it at all. 

The ask the banker another of time, which credit agency they use and was told the something " XXXX ''. I knew there some issue on XXXX that are being corrected, so I would I have never allowed the bank to pull my credit it that was case.

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 2017-01-26 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient call me at least four times a day on my home phone and cell within minutes after talking to them over the phone. They have caked my home at XXXX on the morning and then again on the hour sometimes after talking with a person there will be calls on the hour from a recording. They have called my home as late as XXXX then an automatic call will chine in within minutes of one another. I pay on my loan every month i was told today that Navient was going to take legal action against me. I am pretty sure that I 'm being harassed and to day i was threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Hello I have XXXX complaints on file with XXXX different Banks XXXX is Bank of America and the other is XXXX XXXX XXXX. The complaint with Bank of America is was at the hospital and the XXXX, office all day I need to go to medical records and get copy of medical report and on XXXX/XXXX/2011 I reported the card stolen to the manager at bank of America and customer service and the XXXX XXXX Police dept. Then the other bank XXXX I was at XXXX XXXX when someone stole money from it and then I ended up again at XXXX XXXX XXXX trying to get a XXXX, I was due to have XXXX surgery so me and a friend decided we should go to the beach but we both ended up in hotel room sick she is on XXXX and I was sick with the XXXX, any way none of this makes any sense because I am just XXXX person and the bank has many people and ways of saying that I am wrong but they are not giving me a chance to provide the information need because I always end up getting sick, anyway I may be fighting this till my death bed.. but I still need my money back because I would like to move from where I am living and I should have had enough money to do that between these XXXX banks they stole XXXX that 's my money from Social Security XXXX Settlement, the should be some type of Social Worker or someone somewhere that I can sit and talk with about my Identity being stolen. Besides having the banks not help solve the problem the IRS should note how people money get stolen from the banks every year or whenever it is stolen and not replace that revenue of a person money and possibly others that do n't get to spend their own money that are stolen by banks and employee of the bank. I got a police report of my card being stolen the very same day and I did report it to the bank even though they wrote some type of letter from their dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. Both Checking and Saving Account at XXXX Banks fees and money missing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
I receive a minimum of XXXX calls per day. Sometimes XXXX after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been in contact with Navient for months to get a better payment I can afford. Then send me a list of options, I choose XXXX and started paying. Seems simple to me. But yet they do n't change it in their system, so my payments are n't enough to cover the amount dues, then they tack on fees and etc. To me this is bordering on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI card services continues to call and leave messages at my place of employment. I do not and have never held a CITI card personally of for my company. I tried calling for over a week with no response, then on XXXX/XXXX/2016 I was hung up on by a XXXX, XXXX, XXXX and the escalation department with no assistance. This is either a scam or they have violated my rights. My employees think that I have unpaid bills, my credit XXXX be in jeopardy based in incorrect information. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX issued a {$50.00} debit card to me. It expired XX/XX/XXXX and I would like it to be reissued to me.

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 2016-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a Hardest Hit Fund Principal Reduction Permanent Loan Modification after being in a trial loan modification in XXXX XXXX through XXXX XXXX. The permanent loan modification was mailed to my house via XXXX on XXXX XXXX, XXXX and requested that the documents be reviewed and sent back by XXXX XXXX, XXXX. The documents required a notary as well. My health has been delicate over the last few years due to a medical hardship and sometimes my memory fades. I inadvertently lost the paperwork that I wanted to give to my attorney to review as well a notary. I requested that Bank of America send another loan modification package to me but they refused. Bank of America mailed me a letter dated XXXX XXXX, XXXX advising me that I was no longer in consideration for a loan modification because I did n't return the permanent modification documents. I appealed the decision but Bank of America denied me the appeal. During this time, I 've made every scheduled mortgage payment and Bank of America recently returned my XXXX XXXX payment and put my property in foreclosure.

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 2017-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I had sent Navient a letter requesting the removal of 3 late payments that occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As with any loan I have had in past for school once you graduate you have 6 months to start to repay. I was still in the grace period those months except possibly XX/XX/XXXX. I mailed a certified letter to Navient XX/XX/XXXX requesting the removal of the late payments due to being in the grace period and that particular loan was consolidated among XXXX other loans on XX/XX/XXXX. I even sent them a letter from University of XXXX. Navient responded that they are reporting correctly, in which I do not agree with. I never recieved anything from them stating that I was to start repaying the loan. I only noticed this error when I checked my credit report. The loan was from XX/XX/XXXX and I was attending XXXX. This loan was paid in full on XX/XX/XXXX due to consolidating my loans. Not once did Navient send me a letter stating about repaying the loan or start date to repay it. The loan was for {$2200.00} which was paid!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was applying for a auto loan and I was denied because of my bad credit history. I obtained my credit report from XXXX, XXXX, and XXXX and I figured out that there are several accounts that do not belong to me. I am a victim of identity theft and somebody stole my personal identification information and opened accounts under my name. I filed a police report from XXXX Police Department ( Police report No : XXXX ) on XXXX XXXX, 2014 and sent the police report to all credit bureaus and creditors. Since now, I did not get any results and the credit bureaus refuse to resolve this problem. I called to XXXX many many times and asked them to block the fraudulent accounts but they did not pay any attention to my dispute. I talked to XXXX XXXX who was from XXXX Fraud Department ( he was from XXXX that how he introduced himself ) and he did not even go through the documents that I send to XXXX. He told me that he could only redispute the fraudulent accounts, I told him that since XXXX 2014 and I am disputing fraudulent accounts but still no results. Please help me to resolve the problem, because my credit was damaged for some reason and the following accounts are opened under my name : Bank of America ( acc no : XXXX .... ), XXXX XXXX - ( acc no : XXXX .... ), XXXX XXXX ( acc no : XXXX .... ), and XXXX ( acc no : XXXX .... ). Also, please see attached the police report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: GA

Complaint narrative:
Was applying for ibr consolidation with Navient and they told me everything was fine. Now they never finalized the process and never contacted me for additional information. Now the dept of ed put a wage garnishment on me and wo n't allow consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The bank did not validate this debt based on the FCRA. I do not owe the alleged debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been dealing with navient for almost two years and they are the worst when it comes to customer service. No one there I have spoken to have ever been on the same page and ca n't ever tell me what I owe exactly. I have tried to get them to work with me in lowering my payments but instead I was told I would have to pay the amount I 'm paying. I was approved in XXXX to defer my payments till XXXX and I still got collections letters in the mail from navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I took out a private loan while attending XXXX in XXXX PA with XXXX XXXX after being told I had to or go home that night, I was told it was my only option. I signed the documents not knowing or understanding the terms of the loan, i feared i was going to lose everything I had worked for up to that point. When I found out the loans were being charged over 20 % interest after I left school I tried to get them at a lower rate but no banks wanted to touch them. I finally got XXXX XXXX to reduce the rates to 13.5 % but it still was n't enough. I continued to struggle and for 31 months I was unemployed and my only option provided by them was forbearance. When I went back to work I continued to struggle to pay the loan. Fast forward to now and recently I spoke with a manager at the new branch of XXXX XXXX, Navient, name XXXX XXXX. He told me info for the first time that was denied to me for the entire time I was struggling with payments, my original loan amount being the {$21000.00} and that I had paid {$43000.00} on the loan while I was making the payments. He also informed that I currently owed " a little more than {$26000.00} '', after the initial rep said {$28000.00}, and that I was scheduled to pay {$350.00} a month until XXXX of 2029, this totaled {$100000.00} on the original {$21000.00} loan. I then told him I 'd like to settle but he said I 'd have to make a payment of whatever amount I committed before it would be accepted. I told him I 'd have to see what I could make available and after number crunching the loan amounts the payout on the loan, it would have been a total of {$46000.00} by the initial rates had I been on time and rated at the 10 years I thought it was. I thought I would then offer the difference of ehat i paid and the original loan, was informed it was actually 15 years and it 's been XXXX so I was confused why it was still so high if 6 years from now is the pay off but I 've already paid almost everything? I tried for several days to reach XXXX XXXX but he was unreachable, he called back once after I had left a message saying I 'd be unavailable after a certain time, coincidentally it was during that time. I decided to call the main center they have set up and was continuously told he 'd be on the line soon when a woman named XXXX XXXX picked up. She was n't interested in numbers nor my offer to pay the remainder of the original note citing the forbearance as the reason it once again inflated to XXXX. I was told I could set myself up again in a program to pay it off but I ca n't continue to struggle and get no where in this loan, i need help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America has refused to correct a mistake with my SSN when they took over my loan from XXXX. This has caused me to file incorrect ( overpaid ) Federal Tax returns for several years. They also reclassified the loan from VA to conventional.

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 2016-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I have sold my house that is in foreclosure with Bank of America but the closing is not going to happen as Bank of America will not send a payoff. We started requesting XXXX XXXX. The closing is XXXX 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 explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
They keep calling even after I made payment. Un fair pratices in regards to re-payment options. Very mean and nasty people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: WI

Complaint narrative:
I only was making XXXX and my payment was {$180.00} then i got married and my wife only makes {$22000.00} and she does not work in the XXXX and she does not collect unemployment and they raised it to {$410.00} i can not make that those monthly payments im borrowing against my credit card to pay and i also have a peaks student loan that i pay {$220.00}. Im not even working in my field. I went to XXXX and i feel that with an XXXX XXXX i feel that my XXXX loans come to approximately {$60000.00}. Im XXXX years old and I am in more debt now than when i went to school. And now that XXXX closed down i Have no resources to get a job. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
This company has put a almost {$8000.00} debt on my credit and I was never notified about owing the hospital anything this has caused my credit score to be affected really badly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$2500.00} done on my card by XXXX charged twice on XXXX/XXXX/2015 and XXXX/XXXX/2015, total of {$5000.00}. They contacted me by an unsolicited phone call they promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote XXXX website.They kept saying how important their services were and would bring traffic to my website. was their Supposedly leads and visitors to website. I never got any results of their work.I did not get any benefits from it. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.

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