vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-09 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: NY

Complaint narrative:
I am the co signer to a student loan belonging to my daughter. Navient took over for XXXX XXXX. I am constantly getting calls while I 'm at work about payments that are late. Calls start at XXXX XXXX and go until XXXX XXXX. I get calls on my cell and land line. While I understand that payments have to be made, these past few times the payment WAS made!! My daughter has had to call to tell them they were made and she had a confirmation number. It is my understanding these types of calls are not to be made while XXXX is at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: AR

Complaint narrative:
I borrowed {$92000.00} dollars for my XXXX degree from XXXX from XXXX XXXX, which is now Navient, from the Tuition answer loan program. I began XXXX school in XXXX and my loans were in deferment until XXXX. It was in XXXX I was informed that I could no longer defer my loans, because the deferment period had expired, even though each time I had talked to a XXXX/Navient Customer Service representative, they assured me that I could defer as long as I was in school. They did in XXXX began offering an alternative to deferment which was Forbearance. During forbearance, I would pay {$150.00} for three months of forbearance. This took nothing more than an agreement over the phone, no paperwork was ever signed. I was also assured that the {$150.00} would be applied to my loan, which it never was. I went through this process beginning in XXXX, up until the XXXX when the informed me no more forbearance could be applied. The loan balanced had ballooned to {$160000.00} when I checked it in XXXX. Close to {$70000.00} worth of interest had been added to it since I started the forbearance in XXXX. I have never been given an explanation other than, " We have done nothing wrong, '' when I have enquired to how this was possible. All that has ever been sent to me was a excel document showing my loan progression on a spreadsheet. But it does n't match what is on my online account. In this was fees that I was never told existed. I feel as if I have been cheated by the amount of interest that has been added to my loan, and will never be able to pay this back. It was n't until XXXX that I was offered income based repayment. I want Navient to be held accountable for the massive amount of interest removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX XXXX, GA XXXX XXXX : Claim Dispute - NAVIENT - Account # XXXX To Whom It May Concern : Please accept this letter as formal dispute regarding falsely submitted " derogatory '' entries on my credit report. 

History - This consolidated student loan was comprised of XXXX student loans taken out by my son, and cosigned by me. They were : XXXX XXXX, XXXX in the amount of {$4000.00} XXXX XXXX, XXXX in the amount of {$2000.00} I made regular and timely payments on the loans for the benefit of my son. The loans were paid in full on XXXX XXXX, XXXX. 

In XXXX XXXX I was notified by Navient that there was a remaining balance of {$750.00} on these loans. I disputed this claim, knowing that the loans were paid in full in XXXX. 

For over three months we argued over this matter. I based my argument on the facts that : 1. I knew we had paid these loans off in XXXX 2. Navient had made national news about their mismanagement of student loans, including false claims of outstanding balances. 
3. Navient correspondence came in the form of apparently photo-copied statements. This indicated to me that these were possibly " scams '' based on national media reports about Navient. 

Once the derogatory entries were made on my credit report I immediately paid the claimed balance, which had grown to {$820.00} during the dispute period. I continue to contend that I did not owe this amount, but I made the payment to end the issue and hopefully avoid derogatory entries on my credit report. Apparently I was unsuccessful in the latter. 

I hereby request that these, and all related derogatory entries on my credit report be removed, and that they be replaced with a statement of correction. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX Cc : Consumer Financial Protection Bureau Via CFPB Website

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America applies credit card payments to the lowest APR first even though there was a law passed in 2009 requiring payments be applied to the highest APR 's first

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 2017-01-23 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:
Naviet changed rates, loan types, & interest rates without notification. The payment suggested to me is impossible to pay. Naviet suggested that I defer them which increased the interest amount on a monthly basis

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
1. I have not been provided regular statements. The only statement I have received since getting my loan ( 13 years ) is the on I have attached. 
2. I have not been provided a tax statement in in the last 5 years which meant I could not claim student loan interest on my taxes. 
3. I was told my loan was not eligible for loan forgiveness because I have the wrong kind of loan. I have worked in social services since my graduation. 
4. In reviewing the statement that I finally received I do not understand their process for interest being charged. Interest should be going down with each payment but is all over the place, almost doubling at times. It looks like I am being over charged on a regular basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I owed money on a cable bill that was in collections with CBE Group. I have paid the bill on XXXX/XXXX/2015 and asked that the collection agency sent me something in writing showing that I settled the bill and they refuse to do so telling me that they do n't send out anything in writing. However, my wife just settled a debt she had with XXXX and have since received a written statement that the account was settled. I know I could get something in writing to show I paid but CBE Group is not willing to do so. I do n't know if this is legal and need for someone to look into to this and force them to comply and send a notice saying the account was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2015 sent husband to cash income tax check. I was not present, so I signed and gave my husband my Drivers ' License. Check could not be cash because I was n't present, but could be deposit in the account and money available the next day. I felt the bank did not give my husband a good understanding about what would happen to our income tax check, and made him feel the check would need to be deposit in order to get the money. I also went to the bank after work and to find out what happen to the money to pay our bills at that moment. The bank told me there is nothing they can do, XXXX pick the check up at noon, and they do not have the check in front of them.The bank policy is to take your money, but have restrictions on how they disburse your money.I do n't have to be present to deposit the money, but present when they cash the tax check, and there are no documentation, or check scan on computer proof of check deposit.I feel I have been lied to and inconvenience.

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: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
According to my credit report, the private student loans held by Navient have been closed and charged off but when logging into the Navient account, they still show up and they are reporting payments. If Navient has sold these loans to XXXX of Ohio, then when I log into my Navient account, it should show that they have been paid off not a balance. We are paying a down payment of {$1000.00} and payments of {$250.00} to XXXX of Ohio which are then being sent to Navient. 
According to the XXXX credit report, these loans have been charged off as bad debt on XXXX XXXX, 2016 but in my Navient account, it shows the next payment being due XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Applied for loan to attend XXXX XXXX. Had to withdraw because of son 's illness. After showing documentation was assured loan would be forgiven. Has not happened and school has recently gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX, President, CEO and Chairman BANK OF AMERICA AND XXXX XXXX XXXX XXXXFORECLOSED AND SOLD MY HOME WITH FABRICATED DEEDS. I AM REQUESTING INFORMATION ON THIS ILLEGAL SALE. 
Bank of America Corporate Center XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 
XXXX - REQUEST DOCUMENTS FOR VERIFICATION OF SALE WITH PURCHASE AMOUNT INCLUDES REGRISTRY OF DEED ON PROPERTY LISTED ABOVE

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
Consumer complaint received 2016-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
In XXXX I signed up to attend University XXXX XXXX XXXX. I placed a loan for XXXX. Unfortunately due to unforeseen circumstances, I had to withdraw. I was told that if I withdrew before the time frame, I would not owe the grant I received ( I already knew I was going to have to pay back the XXXX ) in XXXX, I received a phone call from a lady telling me she worked with XXXX XXXX and she was calling in reference to my accounts. I told her I only had XXXX account and she proceeded to tell me " no you just must not remember but you have XXXX. '' I know what I had since I did n't attend long. She kept telling me that I had to consolidate and there was nothing else we could do. I kept telling her that i did n't want to consolidate as i only had the XXXX loan. She repeatedly kept pushing me telling me that this was the only option otherwise they were going to take my taxes for a very long time. Finally i agreed to consolidate. She told me i had to send a certain amount of payments and then before i send anything else after those payments, wait for my coupon book to arrive. The coupon book never arrived and XX/XX/XXXX, my taxes were taken in the amount of XXXX. I am a mom of XXXX and live paycheck to paycheck as it is. I know that i did not have XXXX loans from XXXX XXXX. Now that they have changed their name, they are again telling me i had another loan " I must have forgotten about '' how are they able to do this????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have told them i have nothing to do with this debt and to remove my name and number from the list. This is a loan that my brother has for school which payments are being made and they will not remove my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I became a victim of ID theft in XXXX and in XXXX I was informed by the IRS that someone had filed my income tax return using my personal details and when i had my XXXX report pulled because i am trying to purchase my first home. I was subsequently informed that I had a large amount of debts in collection. I requested my free reports and found that I have ( XXXX ) medical entries that do not belong to me. i contacted the ( XXXX ) bureaus and informed them that i wanted to file a dispute ; immediately I contacted the debt holders and informed them that i was a victim of ID theft and I needed them to send me written validation of the account and information detail where and how the account was opened. All that has transpired since my initial contact since XXXX from my efforts was a security alert being placed on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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:
Issue : 1. On XXXX/XXXX/2016 Bank of America charged me {$35.00} OVERDRAFT ITEM FEE FOR ACTIVITY and 1 week after, on XXXX/XXXX/2016 they charged me a second {$35.00} fee for the same overdraft, and they called it an " Extended Overdrawn Balance Charge. 
2. Bank of America informed me about the 2nd overdraft charged to my email address but they said they did not inform me about the first one. 

Desire resolution : Bank of America is charging twice the same fee in a week, therefore they should reimburse me the second fee. 
I have had this account since the year XXXX and I had never had an overdraft. They refused to waive the fees.

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 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a Bank of America home loan that was supposed to close on XXXX XXXX 2016, and that date was guaranteed by BOA 's " Close on Time '' guarantee. The guarantee states that BOA will pay {$500.00} if they fail to meet the closing date. The Loan Officer at BOA ( XXXX XXXX ) dropped the ball along the way, and as a result, BOA failed to meet the closing date ( though he never explained exactly what he did to cause the delay ). I have the email from XXXX XXXX notifying the title company and the seller 's real estate agent that BOA would not be able to meet the guaranteed closing date. His exact words were, " I am so sorry but at this time, the closing can not happen on Friday. XXXX is aware of the situation and we are remedying what needs to be fixed. To make it clear, he is not at fault, we are. '' Despite this clear admission of fault, BOA decided not to pay the guarantee. 
Even more perplexing is the reason that BOA gave for not honoring the guarantee. They determined " the delay was due to the seller delaying the closing as he/she/they were out of town and required a mail-out ''. But BOA has the events completely backward. The seller was in town on XXXX XXXX ( the original closing date ) and available to meet at the title company to sign the documents. The seller moved from XXXX to XXXX the day after the scheduled closing date ( XXXX/XXXX/16 ) and only required a mail out of the documents because BOA pushed the closing date back a week ( to XXXX/XXXX/16 ). Had BOA met the guaranteed closing date, the seller would not have required a mail out. 
I explained this to the Loan Officer, XXXX XXXX, and he appealed the decision, but the appeal was denied. I then contacted his Supervisor, XXXX XXXX, who examined my file and indicated that he had identified the source of the misunderstanding. He assured me that he would resubmitted my claim and was confident that I would receive a satisfactory result. That was in XX/XX/XXXX and I never heard back from him. I have since attempted to contact him via email and left voice mails but have received no response. 
Both XXXX XXXX and XXXX XXXX declined to provide me with the name of the department that handles these decisions. So, with no other means of recourse, I am hoping that filing a complaint will result in BOA honoring their guarantee by paying me the {$500.00} I am due.

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 2015-09-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
Called my wife on her cell. About a student loan my FATHER DECEASED SINCE 1991 took out. Perhaps for my education. She somehow had my SS data but wrong birth date etc. But again kept calling my wife. Saying wage garnishment XXXX etc. Then asked income questions AND wanted paystubs. 

How did she get my wife 's number. Never met my father. Just seems odd

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was scammed on XXXX. Unfortunately I did not read the " how to avoid being scammed '' before I got scammed. I advertised an elliptical machine and the ad was answered by someone saying they were interested in the equipment but were out of town and wanted the piece shipped to a location by movers. This is the text he sent me on XX/XX/2016 -Ok, i will like to purchase it asap, i am very much okay with the price, but i wont be chanced to come around to check it properly, am currently at Out of the state, I will be paying you via check so after the check has been deposited and it cleared by you i will ask my mover 's to come for the pick up at your location and i will add {$50.00} to it for keeping it for me, thanks. - I received a check for {$1900.00} on XXXX/XXXX/16. I deposited it that day. ALL of the funds were available on XX/XX/2016. I went to XXXX to send {$1400.00} to the buyer via XXXX XXXX on XX/XX/2016. The buyer retrieved the money and I waited for the call for him to send the mover to pick up the equipment. The next thing I see is the check was returned item chargeback.and a XXXX dollar return fee. I called my bank and asked why the funds were available to me the day I deposited the check if the check had n't really cleared. They said it was BOA 's policy because I was a long term customer of Bank of America ( 40 years ) the funds were made available as a courtesy. Very bad policy I asked BOA to return the XXXX dollars to me because even though I did something dumb and got scammed on XXXX I would never have sent the XXXX XXXX money to the sammer if BOA did n't make the funds available immediately. All they returned was the XXXX dollar fee after escalating the call as high as BOA would let me. I 'm asking you to have the bank make good on my money because of the terrible policy they have in effect.

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 2016-09-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Deposited on XX/XX/XXXX {$860.00} into Bank Of America checking account. On XX/XX/XXXX a " Preliminary Injunction '' was filed by United States District Judge XXXX XXXX XXXX. A Judgement shall issue a check in the amount of XXXX payable to the " United States Department of Justice. 
1. Filled out a XXXX for California Request ( lien search ) XX/XX/XXXX and submitted that along with a money order to pay for the lien search to the Uniform Commercial Code online portal Office in my state where I 've taken up residency ; 2. Upon receipt of the search results, I found that there were no legitimate liens against me in the public record ( including no legitimate Internal Revenue Service liens ) ; 3.Made a true copy of the search results from the California Uniform Commercial Code office and attached it to a Notice and Demand sent to each of the credit bureaus. 
4 IRS Notice of Lien removed by credit bureaus. 
5.A valid lean by Internal Revenue Service requires a District Court Judge 's Signature, and whereas you are publishing a lien against me, and the attached XXXX shows no valid liens in the public record ; and where as this lien is damaging my reputation without cause, 6.Therefore, you are hereby granted Truth-In-Lending-Regulation Z District Court Judge who authorized the lien you are publishing against me OR to remove the lien from the public records.

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 2016-10-14 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
After making payments on medical debt for 55 months, and after receiving verbal assurances that this would not be reported to Consumer Credit Bureaus if payments remained timely and current, the debt was reported to XXXX credit reporting agencies as being placed for collection on XX/XX/2016.

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