vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-15 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: CA

Complaint narrative:
Despite several attempts to rectify the situation, first with XXXX XXXX, then with Navient once XXXX XXXX changed their name, Navient continues to apply my payments in such a way to maximize the interest payments and extend the length of my higher interest loans. I have XXXX loans. I try to pay more than the required payment each month. Navient continues to apply the extra payments on principal to the lowest interest loans, while applying minimal amounts of the extra payments to the higher interest loans. If the extra principal payments had been applied equally to all loans, or mostly to my higher interest loans, those higher interest loans would be close to paid off by now, if not already paid off. I even once sent in a {$20.00} extra payment on a separate check with specific instructions that the extra payment was to be applied to my higher interest Loan # XXXX. Navient applied it to my low interest loans instead. I would like to continue to make extra payments on principal, but Navient will not apply the extra payments to the loans I specify. My accounts are in good standing, and have never been in delinquency. I should be able to have these loans forgiven due to the amount of extra interest and payments I will have to continue making due to Navient 's ( and XXXX XXXX prior ) unethical and what I consider criminal behavior. They should be operating to legally minimize students ' interest payments -- not applying payments in a way to profit themselves at a detriment to the payee. This has been going on for close to 10 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
1. Bank of America Home Loans pays my home owner 's insurance weeks late, triggering a warning of cancelation letter from my insurance company ( likely damaging my credit score ), so they can accumulate interest on the escrow account. 
2. I am trying to pay my home loan off early by making extra payments, after my required monthly payment is made, in order to pay down the principal, but BoA consistently applies part of the extra payment to future interest obligations against my wishes -- months in advance, so they can extend the life of the loan and reap more profit. They have never responded adequately to my protests re this and seem to act like they do n't understand what the issue is.

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 2015-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was contacted today at work by XXXX, claiming to be a debt collector and that this was a personal business matter, however the caller did not state who they were, what the debt was, nor would they verify the information that asked about. This same number has called my cell phone, with the same lack of information. They are asking me to verify personal information, and want me to answer their questions, however when I ask for a reverse verification they state that they are unable to provide me the information that I am asking for, unless I provide them my personal information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 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:
On XXXX XXXX, 2016 at XXXX, I entered the Bank of America at XXXX XXXX XXXX XXXX XXXX California. I was there to pay bills by collecting my California State unemployment benefits which are deposited by the State of California into the Bank of America Account systems. 
Every 2 weeks, I am being continually and openly harassed by the actions of the bank manager, " XXXX '' that has seen fit to voluntarily withhold my benefit payments until he recites the fact that I do not have to enter the bank to collect my benefits. I have told this manager that ; 1. I have a right to transact my business within the bank 2. I prefer the safety of transacting business within the bank structure 3. I should be able to collect my benefits without this individual holding on to identification and banking cards, for 2-3 minutes, without processing my request, as he openly smirks, and takes illegal advantage of his position. I have already submitted a complaint of a similar incident ( Case number : XXXX ) that occurred on XXXX XXXX, 2016 by the same individual that appears to feel that banking customers have no recourse regarding his inappropriate official actions. 
On XXXX XXXX, 2016, I had to openly ask this individual five times to " please process my request without delay '' ... He ( XXXX ) laughed, and stated, " XXXX XXXX, I have to tell you this '' .... This is become extremely irritating and frankly I have been told that it is illegal for this individual to delay or intentionally inhibit my access to state benefits ... I am currently searching for attorney or a banking enforcement entity to investigate my complaints. On this, my latest complaint, there were witnesses available, Including " XXXX '', another Bank of America employee positioned in the lobby and greeting customers as they entered the bank. I am sincere about having these events investigated, and I am confident that bank cameras captured this event as well as the prior incident. It also appears to me as if this is a racially motivated incident, in noting that no other patrons are subjected to this type of irritating response by this Bank of America " Manager ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 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: OH

Complaint narrative:
I am the XXXX y/o father of a student who graduated from college in XXXX. I co-signed for many of the loans. Some of the loans have been paid off and others are receiving payments. Navient is XXXX such creditor. The XXXX loans with Navient originated with XXXX XXXX. Due to our financial difficulties XXXX XXXX agreed, by phone, that we would be able to reduce our payments to {$300.00} per month for all XXXX. 
We have since filed bankruptcy and are living on Social Security. Our attorney filed a Cease and Desist order on Navient. On the XXXX of XXXX XXXX I was told at XXXX hrs by Navient representative XXXX ( XXXX XXXX ) that there were programs that Navient could tell me about that would help me with the loan but first we ( my wife and I ) " can only take advantage of reduced monthly payments and other assistance only if we void the Cease and Desist Order. '' When pressed for information Navient would not reply. I ended the conversation and continued to make the payments. 
Today, the XXXX of XXXX at XXXX hours I received another call from Navient saying that the caller was in a special department and could help me. I was informed they had only so much time available to help me with a proposal to reduce the balance and that my request for a written proposal would probably result in the time to make a decision expiring. With no chance of receiving hard copy of any loan information proposal, I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Phoenix Financial Services LLC
State: AR

Complaint narrative:
I just pulled my credit report because I noticed a XXXX+ point drop in my score on XXXX due to a new medical collection. The collection agency ( Phoenix Financial Services ) says it is from an ER visit from XXXX at XXXX. I have had no knowledge of ANY outstanding medical bills other than two current bills that I am currently making payments on from XXXX. I never received any notification in the mail from the hospital or the collection agency about any outstanding balance. I never received a notice of right to dispute the claim either. This is the first I 'm hearing of this. I contacted insurance company to check for an EOB, however they state that they do not keep records back that far ( only 3 or so years back ). I also contacted XXXX 's and they say that they do not have records back that far either. The company that is now handling their financial records took over some time in the past few years and they did not keep records going back to XXXX. There appears to be no way to verify this debt/collection effort. 

Again, I had no knowledge of the debt and I am asking that it be removed from all three credit bureaus as it is negatively affecting my credit. Any help you can provide would be GREATLY appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
There should be no late payments, as I set my loan to be deferred until after graduation. Also, it seems as though there are inaccuracies within the loan itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX/XXXX/2015 I was contacted by XXXX XXXX at XXXX XXXX that my Target Credit Card ispast due. I informed her that I had n't been receiving statements from target since XXXX. At that time, I had a death in the family, and was n't really thinking about it. A couple of months go by and I never had the opportunity to address the issue. I was also never contact by anyone at Target during this time either. 

So I asked XXXX, if she could reprint the last few statements, so I could review them, and remit payment. She informed me that she could n't do that. She also told me that a statement was mailed on XXXX, which at the time of this writing I never received. I asked her if it were possible that I was signed up for electronic statements. She said no. I told her that I was n't comfortable making a payment until I saw a statement. 

I decide to call up Target to see if they could help. I asked the agent If I was on electronic statements, she said yes, I said where are they going, she said I would have to log on to get that information, I said I 'm not even sure I have a log-in id. I said is it possible to have the last couple of statements printed out ; she said she would have to transfer me. I waited close to XXXX minutes, and had to hang up. I called a second time a few hours later, and I was waiting another XXXX minutes to speak to someone, which I had to get off the phone. 

Until I receive my statements, I 'm not comfortable making a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: WA

Complaint narrative:
I have been paying off this loan for ~ 12 years and I owe almost what I did when I took out the loan. The original amount was XXXX {$42000.00} and I still owe XXXX {$42000.00}, despite consistently paying every month for about 12 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank debited my account {$50.00} for check # XXXX that was written for {$20.00} I have contacted customer service three times since XX/XX/XXXX and was advised it was going to be taken care of and to date it still has not been taken care of

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Express Recovery Services, Inc.
State: NV

Complaint narrative:
I HAVE PAID ON THIS BILL EVERY TIME I RECEIVED A BILL. ALSO HAVE PAID TO DATE {$690.00}. WHICH WAS NOT DEDUCTED FROM {$1700.00}. I AM MORE THAN WILLING TO PAY ON THIS DEBT BUT WAS NEVER NOTIFIED BY MAIL NOR EMAIL. EXPRESS RECOVERY WENT STRAIGHT TO COLLECTIONS WITH NOT LETTING ME KNOW TO WORKOUT A PAYMENT RECORD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
We are filing our complaint against Prestige Financial based on FDCP act section XXXX Harassment or abuseWe personally spoke with XXXX XXXX on XXXX advising XXXX of payment on account # XXXX along with advising XXXX XXXX at the time of the call we were at a doctors appointment ( physician was at bedside ) and requested to end the call. Prestige Financial then proceed to call us directly back twice more just seconds/minutes after already speaking with us. On XXXX/XXXX/2015 Prestige Financial ( XXXX XXXX called XXXX and spoke with him advising payment would be made on XXXX/XXXX/2015 my XXXX and the remaining balance would be paid once XXXX receives his VA XXXX payment on XXXX/XXXX/2015. Directly after speaking with XXXX Prestige Financial XXXX XXXX XXXX then proceeds to call XXXX regarding payment that had already be discussed with XXXX just a few minutes prior!! Prestige XXXX XXXX XXXX leaves voicemail providing detailed account information having not confirmed if the voicemail was indeed XXXX active voicemail. 

Payment was made on the account as stated my XXXX on XXXX/XXXX/2015 via XXXX XXXX XXXX XXXX. On XXXX/XXXX/2015 XXXX receives voicemail once again from Prestige Financial XXXX XXXX XXXX requesting payment on the account which had already been discussed less than 24 hours ago! This is not the 1st time such calling methods/practices has been demonstrated by Prestige Financial. 

We have asked that all future communications from Prestige Financial to us be sent via email only.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I sent money to the bank XXXX XXXX XXXX in XXXX to buy a house with XXXX XXXX in XXXX. The date of this international wire transfer was XX/XX/XXXX. This company/Realty Agency, XXXX XXXX, said that they received the money of {$130000.00} ( in XXXX XXXX ) on XX/XX/XXXX, but they returned that amount to me on XXXX. The reason for the Return/Devolucin was : they wanted me to send it again to another account ( the one that I opened in XXXX as a XXXX ). I am an American citizen and the bank from were I did the international wire transfer on XX/XX/XXXX is TD Bank. 

I have no way to know for sure if what the Realty Agency XXXX ( represented by XXXX ) says is true. I have a letter from them, but how can I tell if this document is real? According to XXXX, the return of the money ( XXXX ) really happened, but the bank XXXX in XXXX, XXXX, ca n't tell her were it is. The bank XXXX ca n't trace it have not been very helpful in this matter. For this same reason, XXXX, from the XXXX XXXX, ca n't give me any information and certainty about date when I will get the money of the Return. Direct Consequence of this, I ca n't go to XXXX for the closing of the house. 

Here some information of the bank in XXXX, XXXX and in regards to the recipients account in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; Recipient 's Account : XXXX ) I called to XXXX in XXXX, XXXX, today XX/XX/XXXX, because I started to feel very nervous ( You never know if the people involved in this transaction can be involved in some criminal activity. I hope not, but ... ) I told to the XXXX bank in XXXX that I was a customer and that I have a document Letter of Return/XXXX to see if I could trace the money. They said to me that they ca n't do a trace. I try every kind of argument ; I try to find more help, such as finding an office from the bank XXXX in XXXX that deals with urgent matters like mine, or with an untraceable international wire transfer. 

In the other hand, here in NY, after XXXX attempts with the TD Bank from XXXX, from were I did the transfer on XX/XX/XXXX, I decided to go to a different TD Bank, XXXX close to my job in XXXX. I went today XX/XX/XXXX to the TD Bank in XXXX XXXX and XXXX XXXX. Finally, on my XXXX attempt trying to get some hope and information, this branch in XXXX were able to do a Request and investigation regarding this international wire transfer ( XX/XX/XXXX ) and possibly about the Return of that sume of {$130000.00} ( XX/XX/XXXX ). The people who helped me are XXXX XXXX and XXXX ( XXXX XXXX XXXX ). The information related to the request of investigation to trace the money is : XXXX ; XXXX XXXX is in charge of this case. Here phone XXXX ) Both banks CA N'T TELL ME RIGHT NOW WHERE THE MONEY IS. PLEASE, HELP ME TRACING IT IN CASE SOMETHING CRIMINAL IS HAPPENING WITH REALTY COMPANY, XXXX XXXX in XXXX, XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was the victim of an identity theft. This occurred XX/XX/XXXX when an unknown individual opened XXXX accounts using my name and social security number with a Texas address of another individual with my last name. I became aware of this XX/XX/XXXX when I received a collection letter from XXXX XXXX representing collections on an account from XXXX XXXX XXXX XXXX. Upon review of my credit report I noticed another fraudulent account that was in arrears on my report that I had no previous knowledge of from TD Bank XXXX. I set up an account thru XXXX, filed a police report, sent all the appropriate letters to XXXX XXXX, XXXX XXXX XXXX XXXX, TD BANK USA/TARGET, XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX responded right away and removed the fraudulent information from my credit files. Transunion and Experian removed all of the fraudulent information from their credit files. Equifax refuses to remove the information from my file from TD Bank USA/Target until they hear from them directly that it is fraud. I have sent XXXX letters with all the appropriate attachments to TD Bank USA/Target dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date I have had zero response. I have also tried to contact TD Bank USA/Target by phone but repeatedly get the run around ( they have no info on me or that account etc ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
Hello, After being a US bank credit card customer for 18 years and always paying my bill in full and on time, they totally DEFRAUDED me!!! US Bank incorrectly charged my " no annual fee '' account an annual fee. I contacted them and was told " no issue it was an incorrect charge and would credit the account ''. They did but only many months later and then charged my account appr. {$50.00} in penalties, fees etc. I spoke with XXXX supervisors and both said, " the charge and additional fees were an INCORRECT and would be reversed but I needed to pay the {$97.00} ASAP or it would be turned to collections '' .I paid the erroneous charges under protest. Not only did they not refund the {$97.00} as XXXX supervisors promised, they turned it to collections even though it was paid in full damaging my credit report, causing it to drop XXXX points!! 
This is total FRAUD and ABUSE, please help. 
Thank you 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 monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
They call several times a day ( 3-6 ). When I answer, I hear music and I hang up. On the one occasion I spoke with someone, I asked for the address and account number so I could set up a monthly payment with my bank. They told me they could n't give me an account number until debt was paid off. I told them I refuse to give my banking information but would be more than happy to set up payments via my bank. They insisted they only accept debit or credit card information. I thanked them for their time and hung up.They continue to call several times a day. They left a message 1 time with a different number to call. I Googled the company and neither number I have for them matches the ones on their website.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank received payment for our credit card and wrote a completely different credit card account number on the check, thus the credit card is now default and reported late to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Other — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I paid a TD Bank ( Target Credit Card ) judgement in 2014. They evidently filed a XXXX for a portion of the balance. I did not receive the XXXX and as far as I can tell they never even made an effort to sent it to me. The did send it to the IRS. I just received a letter from the IRS with my income adjusted for the additional amount and it made me owe {$560.00} more in taxes. I feel that I should have received the XXXX so I could include it on my tax return. This came out of nowhere and I was not even sure it belonged to me as I had no knowledge of an account with TD Bank until several phone calls and transfers later and I finally spoke to someone that said it was a Target card and then I knew what it was about.

Company response to consumer: Closed with explanation