vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
CONVERGENT OUTSOURCING XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account CONVERGENT OUTSOURCING ACC XXXX that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
XXXX XXXX XXXX XXXX XXXX/XXXX/1972 XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have been given the run around since I started repaying my loans. I have trouble affording them at all, but I pay just over what I have to in order to pay towards the principle balance. When I called the loan company last time, they told me that the total amount of loans I owe has actually gone up. Which either means they pulled something funny, or they increased my interested without notifying me. They also told me that I could lower my payments by doing an income based plan, but when I applied, it actually tripled my payments. They had entered all of my information inaccurately when they initially gave me the information. Also - when I first had to start paying my loans back when I got out of school, they never notified me that they were due. I was months late, which I could only imagine what that did to my credit and gave me in penalty fees. I could go on and on regarding the issues I have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: NJ

Complaint narrative:
Today I received 3 envelopes from Navient -- one for bill/statement due for $ XXXX dollars due in a few days, one for 3 different minimum payments, one for how my payments would be processed. The one with the due bill showed that my student loan increased and I had to pay a sum I was unable to afford since I am a participant in the income-based repayment plan. Since I only recently attained a full-time job, I had n't been able to pay my loans before this year and only just managed to save enough money to not worry about paying my loan with my other bills. I never received any notification that my IBR plan was up for renewal ( which it normally is around tax season ) through the mail or an email. When I called Navient to ask about my IBR, I also asked why my student loan suddenly increased from about XXXX to XXXX ; I was told that I was being charged interest when in previous years I was told I was not going to be charged interest since I was a student taking out the loan rather than a parent, etc. I was also told that I would not be charged interest on a subsidized loan but would be charged interest on an unsubsidized loan -- I have both and saw on my online account that I was being charged interest for BOTH my subsidized and unsubsidized loans, from both of the universities I attended. I am being charged 4.5 % interest on the subsidized loans and 6.8 % on my unsubsidized loans. I even picked another month at random to check, and I picked a statement from XX/XX/2016 and compared it to the statement I was mailed ; the XX/XX/XXXX statement was the original amount I knew I owed WITHOUT any interest. I just applied to renew my IBR plan ( now I just have to wait to hear back after my application is processed ) and the representative who helped me put a forbearance through for this month so I would n't have to pay an amount I ca n't afford at the moment. I still do n't understand how I am being charged interest suddenly when I was under the impression the last few years that I would n't be charged interest and I could pay my loan without worrying about accruing much, if any, interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My wife and I got divorced and were forced to sell the house due to financial issues. The sale is a short sale as we owe $ XXXX and the house is only valued at $ XXXX due to the economic situation in our area. We put the house up for sale on XX/XX/XXXX and finally received an offer on XXXX. We are currently XXXX months into the short sales process and should be closing in the next XXXX days. On Friday, XX/XX/XXXX, I received a letter from the XXXX mortgage company, Bank of America, informing me that our mortgage was being sold to XXXX XXXX on XX/XX/XXXX. We have done a lot of work getting the short sale process completed, but we may have to start the process all over again with XXXX. My concern is that I may lose my buyers. They have been very patient and understanding but this may take another XXXX days and they can not wait that long. I am currently XXXX months delinquent on my XXXX and XXXX mortgage, and foreclosure is a real possibility now. 
Is there any help I can get for this issue? My XXXX mortgage is with XXXX and I have had no issues with them at this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting a complaint against Bank of America for unfair practices in handling my mortgage account. I did apply for a loan modification on my current mortgage and was offered a mortgage modification agreement package by Bank of America. I made it clear over the phone that i was not interested in the mortgage modification offer to the home loan account specialist XXXX XXXX. XXXX XXXX even had me fax in a signed letter stating that i was not interested in the modification offer and wanted my current loan to be return to normal servicing. I never replied or sent in the paper work that came along with the mortgage modification agreement package. On XXXX/XXXX/15 i made my regular mortgage payment of {$2400.00} at a local Bank of American branch. I received a letter dated XXXX/XXXX/15 stating that my mortgage payment of {$2400.00} was not applied to my current mortgage and that it was going to be set aside on a unapplied funds account on my loan. I never authorize this practice to be implemented on my mortgage loan account. I want to investigate who in Bank of America authorize this practice on my home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied online for a credit card thru Bank of America was 0 % interest. I th I thought it was for a special promotion for more than a year. I called the bank and asked for the contract. They sent me something else with a later saying this is best imformation we have with a number. I called number and it was wrong number to call, finally I had to call the number on my credit card and rep said that was business account number and my account an individual account. He then stated he was sorry but the rep sent me the wrong paper work. He said he would send the contract I signed. It was terms and conditions and I do n't see anywhere one there saying it was for one year! If I did that 's fine I will abide to it. I just saying I thought it was 16 or 18 months.I asked if they would lower my interest rates even they would n't do nothing for me..i been a long time customer of Bank of America and a XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 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: GA

Complaint narrative:
When you make a loan from your checking account, you are advised that you will be charged a fee of {$35.00}. It does n't state that you will be charged an additional {$35.00} extended overdraft fee if your account has not been brought to a positive status within 5 days.

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 2016-06-09 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: OR

Complaint narrative:
Navient put the consolidated loan with my husband into deferment without our signatures. I have been working with them since XXXX over this. I know this is a compliance issue. I worked diligently to fix this, keeping contact records. I thought we had all this sorted out but now monthly payment all went to interest because they put us in an Extended Repayment Graduated 2 years interest only. I did not ask to be put in a repayment that was 2 year interest only. My XXXX payment went to interest only. Navient 's manager XXXX XXXX does not call me when he says he will. I need help with this and I need to file a complaint because Navient broke a federal regulation putting loans in deferment without our signatures, consistently make errors on our account, and do not return phone calls when they say they will.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America fraudulently charged me {$380.00} in fees XX/XX/XXXX on a closed account. 
Was not able to open bank account elsewhere until paying bofa the fraudulent amount they extorted from me. Today, XX/XX/XXXX they refuse to refund $ XXXX monthly maintenance fee and despite XXXX calls today, XXXX rep at XXXX XXXX cst put me on a XXXX minute hold returning to call refusing to let me speak to supervisor. On XXXX call asked for supervisor told all were too busy to talk to me but would call me back. Between jobs, need my money & need this extortionist bank to stop robbing and extorting from the American people like me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 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: DE

Complaint narrative:
I have XXXX tuition answer loans originally through XXXX XXXX and now through Navient. According to phone conversations with Navient ( XXXX XX/XX/XXXX, XX/XX/XXXX ), my loans should still be in an in school deferment. However, for some reason Navient has me dropping out of school in XX/XX/XXXX. Both customer service representatives that I have spoken with have looked through my promissory note and have assured me that as long as I do not drop below half time for 180 days, my tuition answer loans should remain in deferment. The first customer service representative I spoke with put through the paperwork. Navient denied my deferment, even after I was assured that my loans should still be deferred while I am in school. When I called the XXXX representative to ask why my application was denied, the customer service representative was unsure why my application was rejected other then possibly telling me that the document that Navient has from the XXXX XXXX XXXX could be " confusing ''. This same document was used by the first customer service representative to work with me to complete the application to defer my loans. I was told by both representatives that if I had dropped below half time for a period of greater than 180 days, I would have been able to have an in school deferment for 48 months ( which just ran out ). However, as the XXXX XXXX XXXX shows, I have not been attended school less than half time for more than 180 days. 

When I asked the XXXX customer service representative if I would be able to speak with the department that denied my application, I was told that they wo n't speak to me because if they spoke with borrowers they would never get anything done. I understand this, however, the customer service representatives do not have any idea why this department denied the application. 

I would like to speak with the person who is actually making the decision regarding the deferment instead of hearing a bunch of " maybe this is the reasons ''. 

I am trying to be proactive regarding my loans, however it seems like Navient would rather have me give up. I have also explained to the customer service representatives that I would not be able to afford the full payment until I was done with my graduate work. I was basically told " let the loan default and then you can work with the collections department, they may have additional programs ''. 

The school that the loan was taking out -- & gt ; XXXX, XXXX, XXXX school that I am enrolled in for my XXXX degree -- & gt ; XXXX, XXXX, Delaware

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
While Bank of America has a right to extend or withdrawal a credit line at their leisure. I find their business practice to reduce a {$9000.00} credit line to {$500.00} on a perfect payment history and sufficient income to meed internal fiscal goals and lay a bogus claim that I 'm not a good risk with an average credit score and average spending and borrowing habits very concerning. Their action while it may server their purpose whatever that might be affects my credit rating, a rating I 've been working on for a long time to establish in a purley positive direction. Their action will take up to XXXX points on my score while they used me to meet their repayment of TARP and now that they do n't need to they are " reducing risk. '' I opened this card with a {$2000.00} credit line and they freely gave a line of {$9000.00}. To reduce my total credit line with the bank to {$500.00} from a total of {$14000.00} across XXXX cards because I take out a loan and close all but XXXX revolving lines does n't make sense to me. If I want to pay XXXX a month on debt and I have the income to do it that 's my perogative. The questions asked in the credit determination were insufficient to make an accurate determination. I gave my loan payment amount monthly. I gave my current monthly liquid assets and answered questions about my lines of credit. The man, XXXX made some rediculus comment about the unsecured ammount lent to me was too high ( as if people do n't have loans 4 times larger than their income with houses, cars, school etc. that even some secured they often do n't recoup anywhere near the full investment amount ). Yet here I am with a perfect payment history, sufficient income to exceed all my minimum payment requirements after all bills paid monthly for at least a total of about {$50000.00} of average interest and this man wants to say that he can only safely make money off of me with a {$500.00} credit line. I told him that I would stop using the bank and was going to cancel the card and he did n't care. So I am in the process of switching banks and will keep the card at {$0.00} only because it serves my length of credit history on open accounts reported. But they will not make money off my money. Whatever they are doing is not with the consumer in mind and this disruptive business practice that affects credit scores and financial planning is a shame, I do n't even see how it serves them other than they are trying to increase their credit rating and manipulate their reporting numbers. While what they do might be legal it is suspicious and should be looked into as to what their lending strategy is if they ar n't trying to make money off of interest from the cards and why a consumer product is not with the consumer in mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: NY

Complaint narrative:
THEY FORCED ME INTO DEFERMENT AND REFUSED TO LOWER MY PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In 2016 while making a purchase at Target I was asked if I wanted to apply for a Target card to receive 5 % off my {$28.00} purchase. I agreed, I apply and I was approved for a Target Store Card. Weeks passed and I never received my Target card, and frankly I forgot about my {$28.00} purchase. Months later I am contacted by Target Card Services and told that my account is in collections for over {$130.00}. I am told that the balance is a result of my initial {$28.00} purchase plus late fees and interest. We discover during the conversation that Target Card Service had my address incorrect. I appears that the Target representative who I handed my drivers license to when I made my {$28.00} purchase, incorrectly entered my address into the Target Card system. Subsequently, Target Card Services sent my Target Card and statements to the wrong address. I updated my address with Target Card Service and quickly agreed to pay the initial purchase amount of about {$28.00}. However, I refused to pay the late fee and interest since Target Card Service incorrectly captured my address and failed to send me the card or statement balance. Target Card Service acknowledged that they incorrectly entered my address at the time the Target Card application was taken but they have taken a very hard stance on the late fees and interest, and have refused to remove them from the account, even though they acknowledge their error. Now they are attempting to collect the outstanding {$100.00} and have report it to my credit report resulting in my credit score dropping from XXXX to XXXX. I think it is grossly unfair for Target Card Services to acknowledge they captured the wrong address, sent my new Target Card to the wrong address and continued to send my Target Card statements to the wrong address and then attempt to collect {$100.00} in fee and interest. As soon as Target Card Services contacted me, I paid the initial purchase by phone to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
After I have spoken to them, or my father has spoken to then because the also call his phone about the debt, they still call at least 5 times a day. Even when payments have been made. Even when I personally have discussed payment options with them. No matter what I receive at least 5 phone calls a day, including weekends. If I ignored a particular number, they will call from several different ones and use the alternative numbers to call me 5 times a day. 

They call my father and demand he pay more than he can or threaten other case action when he does n't give the response the want. Some agents are very nasty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I was one if those low income students who put my loan in deferment an the interest was so high, after it got out if deferment the balance was higher than it was before the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
MY HOME MORTGAGE BANK SOLICITED ME FOR A REFINANCE ON MY HOME. THEY OFFERED A 3 % LOAN IN A REFINANCE PACKAGE. WE SUBMITTED ALL THE INFO THEY REQUESTED TO REFINANCE AT THE COST OF SPECIAL MAILINGS AND TIME, THEN WE WERE NOTIFIED THAT THE UNDERWRITER DENIED OUR LOAN. THIS WOULD SEEM A NORMAL REJECTION HOWEVER, OUR CREDIT IS EXCELLENT, AND OUR INCOME IS IN THE {$200000.00} RANGE WITH NO OUTSTANDING DEBTS AND OUR HOME WOULD BE REFINANCED AT 30 % OF VALUE. I THINK THE BANK ( BANK OF AMERICA ) REALIZED THEY WOULD BE REFINANCING A LOAN THEY HAVE AT 4.87 % TO A 3 % WOULD BE A LOSS TO THEM. WE WANTED TO EXCHANGE A 14 YEAR LOAN TO A LOAN WITH A 10 YEAR PAYBACK WITH THE NEW INTEREST RATE THEY OFFERED ... I DO N'T THINK WE WERE TREATED FAIRLY OR HONESTLY ... SINCERELY, XXXX XXXX XXXX

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