vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-14 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: KS

Complaint narrative:
I took advantage of this agencies advise, and sent the attached letter to Navient, snail mail, this morning, along with copies of my paystubs etc. At the age of XXXX, I was pretty lost with no goals or direction as to what I would do with my life. Then someone suggested trade school. I have always been very creative/artistic and it sounded like quite the solution to my dilemma. I attended the " Missouri XXXX XXXX XXXX '' for their 6 month XXXX program. Which was paid for with a private student loan, recommended by the school, and co-signed by my parents who were anxious for me to find my way in life. We were all ( not the school ) extremely nave as to the predatory nature of these loans, and applied and signed off in good faith, thinking this was a legitimate student loan, with all of the benefits etc. Obviously, that is not the case, and after paying on this thing for 8 years, have not made a dent in the principal, and although circumstances change through the years, there is absolutely no flexibility with these institutions, no understanding, and great difficulty in even being allowed to speak to anyone with real information, or the power to assist in any way. I realize that unfortunately, this is a legal enterprise, but, I wanted to join the many voices begging for assistance, and crying out for help to get out from under this place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 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: NY

Complaint narrative:
1 ; Justice Dept. fined Bank of America ( BOA ) XXXX " in a historic settlement for financial fraud leading up to and during the financial crisis ''. As a result, my wife & I received a letter XXXX XXXX, XXXX from BOA stating we were " approved for their full principal forgiveness program '' for our mortgage, for which we had not defaulted nor were delinquent in current payments. ( See support document ). Also stated in the BOA XXXX letter : " a tax relief fund was established to help defray some of our federal tax liability ''. Subsequently, BOA sent us ( & the IRS ) a XXXX document stating : " cancellation of debt '' terminology, which is NOT PRINCIPAL FORGIVENESS terminology ( See support document ). This " cancellation of debt '' terminology resulted in our credit reports listing a " charge off '', not a principal forgiveness program, thus resulting in a lowering of our credit rating. The " charge off '' term and " cancellation of debt '' term were red flags at the credit bureaus, causing this lowering our credit scores. 
2. We contacted BOA re : amount & procedure for their tax relief fund to be applied to our XXXX tax burden. After multiple calls to BOA 's customer service telephone number as listed on letter sent to us, no one " knew anything about this issue ''. They suggested we call the IRS. We did call the IRS and were referred to their legal area. We were told " effective immediately, we can not talk to the consumer regarding any matter of cancellation of debt or charge offs ''. Now, our XXXX federal taxes are extended to XXXX XXXX. Since we got no answers from BOA & IRS, we will be penalized with interest and penalties commencing 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 monetary relief
Consumer complaint received 2015-07-17 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: FL

Complaint narrative:
Navient, formerly known as XXXX XXXX, has reported 3 of my payments as " late '' to credit agencies when the payments were not late. Although Navient has reversed the late fees that they had initially charged, once I brought to their attention that there were no late payments, Navient has never notified the credit agencies of this error. The dates/months/years falsely reported as " late '' are as follows : - XXXX/XXXX/2010 ( was charged a late fee in the amount of {$25.00} ; fee was reversed the same month ) - XXXX/XXXX/2010 ( was charged XXXX late fees : {$20.00} AND {$13.00} ; XXXX fees were reversed the same month )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-11 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:
Changing account type without authorization My XXXX Account number : XXXX was charged a maintenance fee for several month. When I opened the account I was told there is no minimum balance requirement. I was charged this fee for the last five months. I would like these charges refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My issue is with Bank of America, there has been a freeze on all my accounts without Any explanation. These are my ACCOUNTS THAT ARE FROZEN? HAVE NO ACCESS TOO. checking account : XXXX savings account : XXXX business account:XXXX I have no access to Any of my funds. They are telling me different stories no one is giving me a clear answer on what is actually happening. I have gone into multiple branches and called multiple times asking for who is in charge. I am sad to say I only bank with bank of America. I ca n't access anything. They saying someone hacked into my account now? They are saying it 's under investigation? The only thing unusual was the check my lawyer ( XXXX XXXX ) put into my savings account for the amount of {$16000.00}, Thursday because he won a case for my Injury. My lawyer also banks with Bank of America, he verified the check and his account with them still nothing, they wo n't explain to him or to me what is going on? No one is telling me when my funds will be released to me. They are saying my account is under investigation and they are saying its a business decision. 
The problem is NO one is giving me Real answers and I am without FUNDS from any of my accounts and I need to pay my bills and I need help getting this reslove as soon as possible.

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 2015-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
We made payment on our loan and out of {$320.00} payment only {$7.00} goes toward the principal and the rest goes towards interest.

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: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
They consolidated them without my consent as well as going from federal to private without my knowledge. They went back and forth between subsidized and unsubsidized a couple times according to my Navient account and it seems like every time it changed there was a new listing in my credit because there are several items reported on my credit by them some of which seem like duplicates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
There is a derogatory reference on my credit report from Jefferson Capital System ( XXXX XXXX XXXX, XXXX XXXX, MN XXXX at XXXX ). 

Approximately, three months ago, I disputed this adverse notice claiming I owed {$200.00} to XXXX XXXX. I contacted XXXX XXXX on the matter, and all they could tell me is that they sold the collection to Jefferson. I called Jefferson and they can not identify any outstanding claim. This is because I contested it on my credit report, and it was removed by the credit reporting agency, but now it is showing up again. I DO NOT OWE THIS MONEY. No one can tell me what this is for. I have had a XXXX XXXX account for over 10 years. I continue to pay and be in good standing, but this keeps showing up and no one can give me any information as to why it is a collection account. According to a XXXX Report, this was placed in collection on XXXX/XXXX/2015. I did n't owe this at this point. It was later updated on XX/XX/XXXX and still showing as a derogatory notice. This is adversely affecting my credit and if someone can not provide information to me about this, it should not be allowed to be reported. 

when you call XXXX, an automated notice references that the account was sold. What company would sell an outstanding account if it is only placed in collection on XXXX/XXXX/2015. This is an error and it needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
A mortgage company Bank entered XXXX mortgages into the mortgage electronic system XXXX under my ssn and home address without my knowledge. My home is paid in full however due to the none corrections to remove the fraudulent loans in XXXX a collection company hired by the company who entered the XXXX fake mortgages into XXXX is illegally stealing our home.

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 2015-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX 2015 I applied for a principal reduction on my mortgage with Keep Your Home California. In XXXX 2015 I received a letter from Keep Your Home California stating that I had been approved. They stated that they would be electronically sending a check in the amount of {$43000.00} to Bank of America that would lower my principal balance by {$43000.00}. This money was posted by B of A to my account on XXXX XXXX, 2015. 
I have been trying to " recast '' my mortgage so that it makes sense to me and have spoken to at least XXXX people at Bank of America ; in all different departments ; mostly CSR ; s, but a few supervisors and managers. I have spoken with B of A reps from XXXX, just to name a few. 
I am still waiting for Bank of America to " recast '' my mortgage so that my monthly payments will be affordable for me. 
Short of flying to XXXX, XXXX, to storm the office of Bank of America 's CEO, XXXX XXXX, I do not know what to do. 
I need help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. I no longer want an impound account. I wish to pay my homeowner 's insurance AND property taxes myself, as that will " free up '' more money for me during the month for other bills. I am on XXXX XXXX XXXX and have a limited monthly budget.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I HAVE ASK XXXX TO VALIDATE THERE DEBT MANY TIME. THEY HAVE FAILED TO VALIDATE AND KEEP REPORTING NOW THEY HAVE SENT ACCOUNT TO COLLECTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has reduced and closed all of my credit accounts. This occurred 14 days after filing a complaint with the CFPB. I am asking that this be investigated as I believe that BOA is acting in a retaliatory fashion based on my complaints.

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 2016-02-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Fair debt collect practices, the company Navient has abused several articles by contacting several people outside of the persons on the account in attempts of collection. I filed for forbearance in XXXX of XXXX and was granted until XXXX of XXXX but they have constantly been calling members of my family and friends that I do n't know how they got their phone numbers and information because my name and mothers name are the only ones on the loans. And the practices calling and telling people that it is a emergency that they speak with after my forbearance was approved there was not need to speak with them. But just practices of attempting to collect on the debt are not within the rules of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2015 my spouse passed away. On or about XXXX XXXX, 2015 I visited the BofA financial center to inform them of his death. I delivered to documentation they needed to start the claim process. On XXXX XXXX, 2015 I visited again and was told I needed to resubmit the same documentation. On XXXX XXXX, 2015 I received paperwork that said I needed to submit the same documentation I have submitted already twice. Since XXXX XXXX, 2015, they froze the accounts and allowed overdrafts to occur because the bank closed his visa overdraft protection without any notification to me, his spouse, beneficiary and successor trustee. This is apparently being handled through the bank 's Estate Unit in Florida. Now I have no access, either online or in the branch to see what is happening with these accounts. The branch personnel were extremely apologetic and helpful but even they could not get the correct information from the Estate Unit. this is now way to treat a grieving spouse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08 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: FL

Complaint narrative:
I XXXX XXXX signed an agreement with Navient during 2007. I signed the application using my mother 's name XXXX XXXX without her knowledge. During that time my father and only sibling were XXXX, therefore I did not want to ask my mother as she was dealing with that unfortunate situation but nevertheless I was wrong. I have forwarded a signed letter acknowledging that my mother knew nothing of this loan and I am fully liable also it matches the signature on the application in which Navient sent my mother a copy. Also if they view the signature on the domicile that my mother informed me she has forwarded several times to Navient, the signature on the application does not exactly match the one on the domicile in which she forwarded, that is because the signatures on the application are both mine not XXXX. My mother indicated Navient keeps stating that the documents were returned authorizing the agreement, but what they seem not to comprehend is the address that the documents were sent to is n't my mother 's address, it was mine. She spoke to their fraud dept she said upon discovering on her credit reports. She spoke to XXXX XXXX and then I am guessing they changed their name then Navient. 
Well this company has this XXXX loan on my mother 's ( XXXX XXXX, which I attached she mailed to me ) and myself credit reports XXXX times, the same XXXX account is showing XXXX times. They indicate the loan was issued in XXXX parts, I do not recall anything about the loan being issued in XXXX parts but it was still XXXX loan and should not be on the credit reports as if it were XXXX loans, that 's also fraudulent credit reporting. It was XXXX loan. Please look at the dates and all of the information for the XXXX accounts that they have documented on the XXXX credit reports it 's the same loan in which they have massive increases different from the loan agreement. Also, if you review the XXXX credit report attached, it is the same loan, however, they are documenting different dates and amounts. So, I was wrong but they are also committing fraud. I am again asking them to remove the XXXX accounts they have listed on my mother 's credit report and to remove the fraudulent accounts that they have on her XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Wilber and Associates, P.C.
State: OH

Complaint narrative:
Call Wilber & Assc to make paymnt arrgmnt on a debt wth XXXX XXXX to cont. wth XXXX agreement/ the rep wth Wilber never vefy who I was or this is a communivcation from a debt collector. refused to take a paymnt, refused any agreement, refused to let me tt a supervisor for a complaint, I called 2x and XXXX never vefy or gave discloser told me he did n't have to obey FDCP and for me to not call again, and hu on my for the 2nd time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have XXXX private loans with Navient. Unknown to me they went to 120 days past due after I received a notice. In the notice they offered both settlement and installment payment plans to pay off/down the loans. I contacted Navient and indicated I wanted an installment plan as indicated by the letter and they kept pushing to settle or to pay a substantial amount to " release the co-signer ''. I kept asking about the installment indicated on the letter and they said that is only offered after a large " good faith '' payment is made. I am in no position to pay large amounts or lump sums. They keep denying me any attempt to pay in installments. After the initial call, they started calling my co-signer and the " references '' I listed on the initial application. They call daily, sometimes hourly. I wrote to both of my " account managers '' to cease and desist in calling and to only correspond in email or writing. They continue to call daily including the co-signer and references which I asked them not to contact. They indicate they will not stop calling and will " call you tomorrow '' in a harassing tone. The account managers are a XXXX XXXX and XXXX XXXX @ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 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:
I called in to Bank of America on XX/XX/XXXX to get my balance and lo and behold it did not accept my telephone numbers, land which is XXXX for over 18 years nor my cell which XXXX for 5 or 6 years. Why because they had let some one change my phone # to a number no where near my ID numbers. Why they could tell me. This scares me, this is second time I had an issue with Bank of America. When I was working on the road between different states, they told me they had not turned my check request in and I needed to order them again, meanwhile, they send out the XXXX order, which was stolen and I had the same checks in California. I had fly XXXX and change everything and go back work. How can Bank do these things without authorization? I am furious. Please advise.

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 2015-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX contacted me about a 9 years old debt that was charged off my Credit History 2 years ago, It was affecting my Credit Bureaus for 7 years now this Agency sent my old debt to another new Debt Collection Agency named XXXX XXXX XXXX, this last one is threatening me with another 7 years od bad luck.Please help me.The original collection started in 2006 with a Bank of America Credit Card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had my pocketbook stolen from my car on XXXX XXXX. I called all my credit card co 's to report the stolen cards and cancell all my cards and bank cards. On XXXX/XXXX/2017 I received my target statement which had a {$470.00} charge on it from XXXX made in XXXX, MA at the Target store there. Target stated that because the person charging the purchased used my pin that I was liable for the fraudulent charge. Target also stated that the items purchase were not what a typical fraud charge usually purchases. Iw as instructed to write a letter with the police report case # XXXX & my 4th precinct on XXXX XXXX Police Dept 's contact which I also submitted as Detective XXXX XXXX. I have never been to the location of the charge and because my entire pocket book was taken my address book was in the pocketbook as well, in the address book and on my cell phone there is an area where I note all my PIN numbers. I need help with Target, I called to follow up today XXXX/XXXX/17 over a month after sending the information that Target requested and they told me they had no record of my letter. I sent my letter with tracking XXXX on XXXX/XXXX/2017 Tracking nUmber XXXX and Target signed for this letter and the back up on. Target received and signed for the letter on XXXX/XXXX/2017 at XXXX at teh front desk at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Please advise what should do moving forward. Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief