vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America has told me that this account is linked to an account in my wife 's maiden name 2 years after she was married and claims I lived in XXXX XXXX Virginia. I have never lived in XXXX Virginia, so Bank of America can claim what it wants but on XXXX XXXX of 2016, my lawyer will start the lawsuit paperwork and when I show up to court with federal records stating these XXXX facts, I will not settle but I will be going for the maximum amount for damages against me and my company. Final warning and no more complaints after this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 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: SC

Complaint narrative:
A repayment agreement was entered into with Navient for all private student loans. Payments have been drafted by Navient monthly from our bank account and all payments have been timely. Despite the agreement and receipt of payments, Navient has continued to harrass me and my husband ( a co-signor ) indicating that the loans are past due. They have also continued to apply late fees to the accounts and reporting them as delinquent to credit bureaus. I 've asked Navient on numerous occasions to correct this and they have failed to do so. 

Additionally, I have been awarded Social Security XXXX and notified Navient of such. Although I have sent them the award from Social Security, they are still requiring a physician statement. My physician will not complete the statement because he feels that the finding of permanent and total XXXX by Social Security is sufficient. Navient has refused to adjust my loans under total XXXX discharge guidelines. My student loans payments are substantially more than my monthly XXXX benefits of {$1500.00} per month. There is no way I can repay the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I submitted my insurance docs to the hospital and the the collection agency. I drove down to the hospital many times and each time they told me they do n't have any insurance on file and no attempt was made to file a claim with insurance. I have XXXX and they 100 % cover this bill. 
after one year they can not bill my insurance anymore. THEY NEED TO BILL IT NOW!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX, XXXX 2016 I called Bank of America to have a pending charge removed. The charge was unauthorized and I explicitly stated this. I specifically asked about fees and was told " You might get a fee, but it will be refunded. '' On XXXX, XXXX 2016 I had XXXX fees on my account, XXXX being a stop payment fee and XXXX being a returned item fee totaling in XXXX . I called customer service and was bounced from customer service to claims and back to customer service. 
After speaking to the customer service representative who told me there was nothing they could do, I asked to speak to a manager. The manager told me that someone had already tried to refund the fees using the automated system and that they were declined. I explained that the first person I spoke to probably did that before they transferred me to claims. The manager said I would need to have the company who charged me write a letter stating they did not have permission to charge my account to be able to refund the fees. 
I asked if I should have filed a claim, which is what I thought I did, and the manager said that yes I could have filed a claim if I had let the item post. I mentioned that if I had waited the 2-3 days for it to post I would have had a negative account balance the whole time and would not have been able to use my debit card. The manager told me that this is what I was supposed to have done. 
I pointed out that I got charged a stop payment fee and a returned item fee and I wanted to know why I got charged both, if the stop payment went through then why was there a return fee. The manager told me that I had a stop payment placed on the company name, but they charged me with a slightly different name and that is why I was charged both fees. I told him that was a technicality and he said he was sorry but that he was n't going to do anything about it and " if it was the first time you were complaining about fees, maybe I could do something. '' I asked if there was someone higher up I could talk to and the manager responded " I 'm the highest person that answers that phone. ''

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 2015-08-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a member of Alaska airline 's mileage plan member and I had the Bank of XXXX credit cards. Recently XXXX audited my mileage plan account, restricted access to my account & threatens to cancel my existing flight reservation if I do n't pay in cash for the flight I already booked with my miles. I had miles in my account for over XXXX years but XXXX audited my account only after I booked flight using my miles that I earned. 
XXXX says the reason for their action is because I violated the XXXX airline card terms and conditions and for not paying the card 's annual fee and for closing the credit card. 

First, I have never violated the credit card or the XXXX mileage plan terms. 

I applied for XXXX XXXX cards in XX/XX/XXXX and kept XXXX for almost XXXX yrs and I converted the other XXXX to a different BOA credit card as allowed by card terms and conditions. I opened XXXX XXXX cards in XX/XX/XXXX & closed them almost XXXX months later. Bank of America credit card agent waived the annual fees on these XXXX cards and I closed them almost XXXX days later. All credit card issuers allow you to cancel a card and not have to pay annual fee if closed within XXXX days. 
I have not violated any of the credit card terms and conditions. 
I saw an ad for the Bank of America credit card. I signed up for the credit card relying on the ad. I was approved for the credit card. I was awarded miles for signing up for that credit card & for using the cards. I thereafter closed XXXX of them consistent with the XXXX of those cards. After earning the miles from an agreement with BOA, an agreement by which I abided, XXXX decided to revoke, rescind, and remove miles I earned vis-a-vis an agreement which I did not breach, yet XXXX appears to be saying I did. I did not violate any agreement with XXXX. In fact no where in the credit card agreement and terms says my miles will be removed or my flights booked with the miles will be canceled if I close the card. I did n't sell my miles to others and I did n't book awards for others. XXXX argument is based on " they 're our miles, we can do what we want, whenever we want, to whomever we want, for no reason whatsoever, even if the member abided by the terms of the agreement. 

I

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a credit card purchase, point of sale. and the amount was debited from my account. two weeks later I was overdrafted by the amount of the sale and the date of the debit was almost two weeks after the sale. Subsequently the bank has charged me XXXX overdraft fees. I spoke to the retailer and they said that they put the charge through immediately so some manipulation was being done solely by the bank ( Bank Of America ). The bank is not supposed to allow any point of sale purchase through if the funds are not available and to be debited immediately.

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

Complaint narrative:
My loan servicer, Navient, has been placing my loans in deferment for the past 2-3 years without my consent and reporting to the credit bureaus that my loan payments are past due. If Navient is deferring them, how are they past due? It is damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a home equity line of credit with XXXX XXXX in the amount of {$100000.00}. I am using this line of credit to pay for home improvements. XXXX XXXX would not increase the amount of credit which is insufficient to my needs, so I applied for a larger line of credit with Bank of. After I had applied, BofA, without my authorization, sent a notice to XXXX XXXX that they intended to pay off my XXXX XXXX XXXX ( balance is around {$9000.00} ) with my BofA loan. As a result of that notice, XXXX XXXX froze my line of credit which makes me unable to pay for the renovations that are ongoing. I owe contractors thousands of dollars in the coming days. To unfreeze my loan, XXXX XXXX requires that BofA send in writing a notice that they are rescinding or voiding the payoff notice. BofA refuses to send this notice. As a result, I no longer have access to funds under the terms and conditions of my XXXX XXXX loan which I have fully abided by. BofA should not have sent, and XXXX XXXX should not have acted upon the payoff/freeze request without my authorization. 
Please help me resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 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: AZ

Complaint narrative:
I claimed bankruptcy and did n't pay the loan for a year. The loan was consolidated twice and paying since XXXX. I pay every month {$300.00}. ( washich is can How can I still owe {$39000.00} and still have 135 months to pay. It is supposed to be a 20 year loan. 
This makes no sense. 
Why is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, through their XXXX XXXX XXXX XXXX XXXX ( XXXX ), has or will cause to be recorded a Trustee 's Deed upon the sale of their XXXX interest held by the XXXX Deed of Trust to a third party. 

As dual tracking is prohibited, Bank of America and XXXX have no authority to record the Trustee 's Deed based on the unlawful recording of the Notice of Default ( NOD ) and the subsequent Notice of Trustee Sale ( NTS ). 

This property has been held by me under a claim of adverse possession upon meeting all requirements of law. Therefore, my property and home are not subject to foreclosure or Trustee Sale and no NOD or Trustee 's Deed should have been reorded. 

It should be noted Bank of America has made no default claim on the XXXX Modified Deed of Trust to date. 

On XXXX XXXX, XXXX the agent of the XXXX ( XXXX ) came out to my home and could see the published and posted Notice of Ownership through Adverse Possession which establishes the fact the XXXX may no longer claim lack of knowledge of my ownership of the property through adverse possession. Although not required, the Adverse Possession Declaration is still posted on the property to date and will remain until a court order is issued to remove the notice from my property. Additionally, upon being told they would have to put me out of my home, the XXXX agent replied, " We 're not trying to put you out. '' An indication there are no plans or intention to reside upon the property. 

All previously mentioned resolutions are desired and mandatory to include all fees and charges included under the XXXX Making Home Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Modified Deed of Trust including, but not limited to the charges related to the XXXX XXXX Deed of Trust.

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 2017-03-08 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: AZ

Complaint narrative:
I paid off my loan with a bank issued check on XX/XX/XXXX. Navient cashed the check on that date ( email from bank attached ). The payment never posted to my account, so I called Navient on XX/XX/XXXX, and was told to be patient, that it sometimes takes some time for it to show on my account. 

I called again today on XX/XX/XXXX and spoke to XXXX, who told me that he could n't locate the payment, and that " it might eventually get refunded to me if they ca n't find a home for the money. '' I wrote my ssn on the check, along with account number, more than enough information to locate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
Several months ago I started receiving letter from cbe group stating I owed a debt and they are trying to recover the debt. I called and explain that 's not my debt and inform them to stop sending letter or contacting me. Since then I have continuous received letters over and over again. Basic harassment of a debt that does n't belong no to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: TX

Complaint narrative:
My bank sent a payment to Navient for the amount of {$350.00} on XX/XX/XXXX The payment posted to my Navient account on XX/XX/XXXX The remainder of the amount due was paid on XX/XX/XXXX to the amount of {$490.00} $ XXXX+ $ XXXX= {$840.00} That number represents my total monthly payment. Navient has again failed to properly process my payments and is now threatening me with late fees, deliquency and default. They were paid in full. They are incompetent and incapable of properly handling payment and accurately recording payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: PA

Complaint narrative:
I have a private loan through Sallie Mae, now XXXX. I acquired the loan for my semester starting XX/XX/2010. They lied, from the very beginning and being a young and impressionable kid, I did n't know any better. They told me my variable loan would n't go above 6.9 % interest when i signed, it is now at 10.25 %. ( I now understand the difference between fixed and variable ) I tried to get my co-signer released multiple times, and was told at least 2 of those times they " had n't received my fax in regards to my income/XXXX etc. when i had the fax confirmation etc. ) Just overall constant run arounds with their services. I called 2 years ago asking for an income based repayment plan or interest rate reduction because it was at 9 % then and got bounced around multiple times, was told to call back in 2 weeks so they could " get things in order, in regards to my finances etc. '' I called back in 2 weeks, that person, XXXX i think? switched departments, I then had to go over my whole situation again, although I only got halfway through when the customer service agent cut me off mid sentence saying " Well your mother is a co-signer, you should just let her pay. '' I was never so irate or upset, and had n't called back for a year after. Tried to get her released again a year later, submitted XXXX 's etc., got the fax confirmation, I know it was the right number, etc. and they still tried to give me the line " they had n't received it ''. I 've been waiting for a lawsuit with this loan service and my prayers have hopefully been answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 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: MD

Complaint narrative:
Navient automatically deducted {$230.00} from my Grandmother 's bank account on XXXX/XXXX/2015. My Grandmother never received a bill or notice that this deduction was to take place and neither did I. Her card was set up for automatic debit only for the approved $ XXXX/month. She called to have her card removed and the charge refunded and they refused. My expected monthly payment is {$390.00} on just over {$20000.00} in loans with Navient. Meanwhile, I have $ XXXX/mo due from other lenders ( XXXX XXXX, XXXX ). I do not think its fair to be expected to pay {$850.00} a month in student loans. You would have to Net over 60K in order to afford payments like that. I make $ XXXX/month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a small loan with Bank of America. I have just moved, which they know, and in the confusion of the move and getting settled I missed XXXX payments. B of A, without any authorization, removed monies first from an old bank account ( {$130.00} ) that had not been active in 6 months and when that was rejected they, went to my new local bank account and charged that for {$250.00}. I have since closed these accounts and will going, forward only pay B of A in cash. I called your office and was advised that B of A 's actions were not legal. Hence I am filing this claim asking that B of A be stopped from doing actions like this in the future. To add insult to injury B of A they have charged me a {$27.00} " check returned fee ''. They return of these fees is the only compensation I am looking for. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I am aware of the current lawsuit against Navient. I would also like to file a complaint against them. When my loan changed from sallie mae to Navient, Navient did not follow my wishes to continue payments so that I could take my co-signers off my loan. I was in school working on my masters and wanted to continue making payments. The Navient abruptly stopped my payments, after I had requested to make a payment, they told me I had to start all over with the consecutive payments to release my co-signer since there was a break in payments due to their error. They had also told me to go into forbearance when I had the option to make income-driven payments since at the time I was only making {$15.00} and hour while paying over {$1000.00} a month for my student loan repayments. That advice has caused me an incredible amount of increase in my interest, knocked down my credit score and made it difficult for me to receive any loans for my XXXX degree. I had continually received poor advice from Navient and not once was I able to speak with a manager or higher up even after I had asked several times. I have a note on my account that my case was sent to upper management, but nothing was done. I am sad to hear that many individuals have been affected the same as I. to this day, my co-signers are still on my loan, after continual requests to have them removed. I have received a myriad of answers and none of them are consistent. I 've been told, No, the co-signers will never be removed. I 've been told after I make a year of consequtive payments. I 've been told I need to make three years of consequtive payments. Each individual working for Navient has starred me the wrong way and I have had nothing, but difficulties when it comes to making payments. At one point I pleaded with Navient to reduce my loans or I would default and they told me, I would have to go into forbearance instead of allowing me to make income driven payments or advice me to continue to make payments. I plead for guidance in this issue at hand. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am selling my home. Bank of America holds the note. When I requested a payoff there was a miscellaneous fee totaling {$1700.00} attached to my payoff. This fee was not a pending mortgage payment or any type of lien, past due bill, tax or outstanding cost associated with the property. It is a fee that they could not explain and the person on the phone even described as strange. When the call was made to Bank of America mortgage division they could not explain what this cost was or had any documents to support how it came about. I have a pending closing that will be hampered by this. They would not escalate the issue for a faster turn around and said it would be 10 days to respond with a letter which would be after closing. Bank of America is demanding the additional {$1700.00} which is not even part of my original deed and has nothing documented that it is valid cost associated with my loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation