vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-27 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: WY

Complaint narrative:
So, XXXX XXXX is now Navient. My initial thought when hearing this was " oh good, maybe the service will be better! '' Sadly, I was extremely mistaken. While the name is different, the same TERRIBLE customer service still exists. No, I 'm not behind in my payments and actually pay 2 weeks before the due date. I should not have to call every couple of months because the corporation ca n't do its job with payment allocation, tells me I 'm over a month behind on payments, and gives me late fees! Their customer service representatives continually repeat the same information which was incorrect and not useful to begin with! No, I will NOT send Navient copies of my bank statement to prove I made a payment. Additionally, when I send a check to pay off a specific loan, use it to actually pay off the loan specified rather than dividing the money between all of my loans. When I finally spoke with a supervisor, he was able to look up payments and their allocation, which Navient incorrectly allocated. This company is not doing their job properly, trying to gouge their customers with late fees ( in addition to extremely high interest rates ), and wasting our precious time by having to sit on the phone for hours every couple of months to get issues due to their incompetence resolved. Those of us bettering our lives with great careers, making payments early or on time, and paying off individual loans, should not be penalized by this company 's inability to perform their daily duties. Additionally, Navient continually has my legal name incorrect even after multiple documents have been faxed and conversations with customer service representatives. After submitting a complaint with the XXXX, I received a voicemail from the Office of the Customer Advocate asking for a return call. However, I have been leaving voicemails for the past month with no response. I also received a letter stating the issue was resolved, yet this next month 's statement is still incorrect. This is professionally unacceptable, both with the lack of follow up and the continued inability to allocate funds correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX against CBE Group for CBE Group 's failure to provide requested information for the debt alleged. As of XX/XX/2017, CBE Group has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
this loan was received in 2000 for XXXX through XXXX XXXX now ( Navient ). Now in the last 8 years I have paid them XXXX a month a total of at least XXXX and they have sent me a balance of XXXX.Now how is this possible? It seems that a fraud concept is going on. I want you to check on this please. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I submitted the XXXX Loan Forgiveness form XX/XX/XXXX. All information was correct on the form. I called for updates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XX/XX/XXXX, after 90 days of processing, Navient told me that they sent me a letter denying my request on XX/XX/XXXX. However, every previous encounter I was told that the document was still in processing. When I pointed out these discrepancies, they simply said, " sorry for the misunderstanding. '' Navient said my signature was missing, but it was not. I feel they are not being honest in their correspondence with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
this credit card i 've been working to pay this off for the last nine months. making payments to jefferson capital. please correct my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 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: FL

Complaint narrative:
For about the 8th time, Bank of America has purchased flood insurance on my home when I aleady have insurance. This has been going on for 10 years and it 's taking a toll on my life. Once they do it the harassment goes on and on and they do everything in their power to make it difficult and refuse to refund the money. My agent faxed the documents as instructed on XX/XX/XXXX to a special fax number I was give over the phone directly to the person who was going to make sure this was taken care of. Then today I get the notice that they have purchased the insurance again. The mortgage is in an estate and now they are claiming I do n't have it insured properly even thought it 's been the same for 10 years. I have spoken to 10 different people at B of A and they all have a different story as to what 's right and what 's wrong. It truly is just harassment. I had to file a complaint with the Dept of Justice about 5 years ago for them to acknowledge that I did already have the insurance and that they purchased it from their own insurance company XXXX for XXXX what my insurance cost. They are at it again and I ca n't take it. The XXXX is literally taking a toll on me. They have to be stopped.

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 2015-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am getting calls from XXXX XXXX at XXXX. It is possible he is trying to reach my brother, who may or may not have debt. I do not have contact with my brother. I let XXXX XXXX calls go to voicemail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX has a complaint against it. This is to re-apply a complaint against XXXX in case I have failed to do it properly the first time around ( mentioning all the parties to the matter in the original letter instead of just one ). 

Negative reporting of not paying a debt which I paid to the wrong Bank of America account on their New Bank of America ( debt buyer credit account ) that belonged to another credit account supposedly that was a debt buyer as well, known as XXXX XXXX formerly Bank of America. The consumer should have been informed it did n't belong in the paid up account known as the New Bank of America, former grantor Bank of America, and sent back to her timely. Instead it was wrongly transferred to XXXX XXXX after the cut-off date and I was found to have not paid the credit account. After several credits, the debt reappeared in the automatic system as owed with fines and late payments. When I could no longer figure out what I owed, I stopped paying any debt. I phoned, Emailed, and wrote complaints to no avail. The debt buyer never tried to honor consumer rights. It has no signed agreement from me, and no documents either.

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 2016-10-21 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: TX

Complaint narrative:
These private loans with Navient were issued under duress. They involve predatory practices and take advantage of unsuspecting new college students. Navient ( formerly XXXX XXXX ) should not be allowed to pursue collection on these accounts. I believe these loans violate lending laws, FCRA laws and debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
on or about XXXX/XXXX/15 XXXX XXXX credit withdrew XXXX of dollars from my wifes checking acct when she was trying to make an automated payment of {$25.00}. a XXXX later, she was admitted to XXXX XXXX, and we were not aware of the problem until over a week later. we contacted XXXX XXXX, ( the credit card co ), and bank of America almost on a daily basis for a XXXX of weeks, this included several XXXX way calls with both companies reps. I have also made a couple of visits to the bank and spoken with the manager ( who by the way is short with me, and dismissive of my concerns. ) XXXX XXXX reps have been very helpful in trying to resolve this problem, but the mgr at the bank has been hanging up on them and totally unhelpful. the money was sent back to my wifes acct on wed XXXX from XXXX XXXX in the amount of {$500.00} but nothing has showed up in my wifes acct, which has been in the negative {$170.00} for over a month. this acct is only for her small XXXX check ( approx. {$200.00} mth ) According to bank of Americas rep, there is no record of this transaction, and the people at XXXX XXXX have a record of it being sent on XXXX @ approx. XXXX XXXX EST. I NEED Y0UR HELP!! I have called and called and as of today ( XXXX XXXX ) there is still no action, and the acct is still negative. I do n't know what bank of America is doing with this money, but they are totally dismissive of my concerns. please

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am needing some assistance. My mortgage was part of a bankruptcy that was discharged back in 2013. My loan modification was never re-affirmed and since then anytime I am late I receive foreclosure notices. I just finished getting my loan re-instated from a fore closure. I am at the point where I cam considering a federal lawsuit against Bank of America because they refuse to help me by way of getting my loan re-affirmed. I ca n't refinance, I ca n't get a line of credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-22 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 returned money from my loan within 90-days following the distribution of the second half of my loan for year ( i.e. money distributed in XXXX -- & gt ; money distributed in spring, which I then returned part of the money ). However, instead of having that money being returned to the principal amount, Navient handled that refund ( i.e. I had no other option ) so that the money returned went towards interest and repaying off the first half of the loan ( XXXX loan ). As a result of this money going towards interest rather than all to principle ( which should be case given I was returning it within 90 days ), I ended up having to pay more since my principle was higher and accumulating a greater interest over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CA

Complaint narrative:
I graduated from California School of XXXX XXXX XX/XX/2010 and I was forced by the school to take out loans to cover the cost of my education. I had to take out a federal loan for {$10000.00} which now I owe {$7600.00} and XXXX in private student loans from XXXX XXXX which I have been paying since and the amount does not seem to change at all, I now owe {$51000.00} to navient.I have recently lost my job and I have no income and currently looking for a job. When I called Navient to ask for help and see what options I have, I was told since I have a private loan I am basically out of luck and even if I do n't have an income I have to make payments. I even explained to the representative of navient that my school has now been closed due to fraud and the lies that the school told all their students and I asked if I can get any kind of forgiveness since I cant use my degree and again I was rejected and I was told I have to make my $ XXXX monthly payments. The representative even suggested I ask my parents for money which I find very disrespectful as a XXXX year old man. My student loans have completely ruined my life, I can not even go back to school because I am under so much pressure to make my payments every month. I am currently past due on my Navient account by a month and I get at least 10 calls a day from Navient leaving me voicemails and trying to collect. I simply do n't know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have no knowledge of said debt and I would like to have it removed as it is reporting to the credit bureau as an open account and negatively affecting me

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: NC

Complaint narrative:
My income tax was taken from last year without a warning letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received a phone call from Bank of America this morning letting me know that I had missed a payment ( about a week ago ) on a mortgage. Bank of America Variable Rate XXXX XXXX XXXX XXXX I said that I would log into BofA website and check the status and make a payment. They told me that PAST DUE payments are NOT displayed on the website, only future payments. Sure enough, when I logged on, I could see my NEXT payment due but not my current slightly late payment due. This is STUPID. How can I pay what is past due if the website will not show it to me. So I just paid and added {$100.00} or so to make sure it was covered. I then tried to find some way on the Bank of America website to send them a email or message to describe the problem. and I could not find any link to email or message them on line. This is STUPID. 

I might add that I missed a credit card payment by two days, and I made that payment today. But when I went to the Bank of America website it DID NOT show me the amount that was due, but it showed me the total due INCLUDING A PAYMENT NOT DUE FOR ANOTHER 25 days. STUPID STUPID STUPID. My credit card ending in XXXX Seems to be a pattern here, if I miss a payment on a credit card and log in, it shows me the total due included an accelerated amount for a payment not yet due. This is insipid.

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 2017-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A {$25.00} fee was charged to my account in XXXX. I called and it was reversed. It was charged again in XX/XX/2016. I spoke with XXXX and her supervisor XXXX. It seems the terms of this type of checking account have changed. I asked when and if I received written notification. I did not get any information. Again I asked that the {$25.00} fee be waived. I was told no. I changed to the core checking account. I feel that Bank America changed the terms and conditions of my account at some point and is misrepresenting the notification. Additionally they will not tell me when he terms changed and how I was notified. After 20 years I am disappointed.

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 2015-10-23 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: AES/PHEAA
State: AZ

Complaint narrative:
National Collegiate Trust and it 's affiliates were notified in writing, over 2 years ago, to cease communication about a debt I have continued to dispute. I was advised this particular debt was included in my XX/XX/XXXX bankruptcy, so I was surprised when I received their collection attempt in XX/XX/XXXX. I immediately wrote a letter disputing the debt and asked the company to refrain from further contact. I sent this letter to XXXX different addresses. I also included my bankruptcy paperwork. I told multiple collection agents about the bankruptcy and letter before I finally stopped answering their calls. I was recently informed that all collection attempts after my XX/XX/XXXX letter were out of compliance with FDCPA regulations and that I should file a complaint. I am in the process of validating the debt, but I want to make sure this company follows fair collection practices in the future. Other consumers need to know about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I live in California and my mortgage company is located on the XXXX XXXX. I regularly make my mortgage payment on the XXXX, the last day before a late fee is charged. The remittance coupon clearly states that " If payment is received after XXXX, a $ XXXX late fee will be charged. '' The coupon does not state that the payment needs to be made according to XXXX. I called my payment in prior to mid-night XXXX on the XXXX and was charged a late fee. If the payment is reflected as the XXXX on my statement the next month, should I be charged a late fee?

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 2015-08-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CO

Complaint narrative:
I applied for 3 private loans while XXXX XXXX at The University XXXX XXXX XXXX. My loans have been serviced through AES : American Education Services. I set up a payment plan and automatic debit for these loans when my first payment was due. I was in school half-time from XXXX, and the school apparently submitted this information to the clearing house and AES deferred my payment, and lowered my payment to a point where it was n't even covering the interest rate. They said they sent me a letter about this, but I do not recall this, nor did I give my permission to do this in the first place, as I thought private loans were n't able to be differed. I was working full time and going to school part time and would have been able to make the student loan payment just fine. Now I 'm looking more closely at my loans and discovered the principal balance on XXXX loan is XXXX more than my original balance. On the XXXX loan is XXXX more than my original balance. I feel that I 've been paying and never had a late payment on these loans, and they have increased my balance when I did n't understand or did n't even know about this deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Hard inquiries where removed from my credit report then added back on. When I called the customer service they were absolutely no help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
We purchased a property XX/XX/XXXX in XXXX, NC. Our mortgage was sold to SunTrust Mortgage. They accepted our flood insurance last year but this year for the renewal they will not pay the premiums out of our escrow. They stated that the insurance is not backed by National Flood Program. Our property is in a XXXX Resource Area and federal flood insurance is not available. We have asked several insurance companies, banks, homeowners association officers and no one has ever experienced this. In addition, we became aware of a NC state law ( Biggert-Waters Flood Insurance Reform Act of XX/XX/XXXX ), which basically states that our lender MUST accept the insurance we have through Sterling Surplus. Yet SunTrust still refuses to accept and pay. 
We want SunTrust Mortgage to pay the premiums out of our escrow and accept our insurance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief