vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 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: NH

Complaint narrative:
More recently, Navient decided that I can not decide to apply my extra payments to all principal if I wanted to. Like usual with all important changes I do not receive proper notice that I can not decide how to apply my extra payments to wherever I see fit for my best interests. For instance, my lender changed from XXXX to Navient and I received no communication of this or the impact to me on my obligations to now Navient. Is n't that illegal if my lender changes without me being notified? ( And to be clear its my lender that changed not the servicer ). 
Also, they do not communicate interest rate changes outside of regular statements you receive. In addition, I fail to understand how someone with good credit and a great history of repayment still pays more than someone applying for a new loan. Their decisions on how to decide interest rates for customers are suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
CBE Group contacted in XXXX, 2015 about a XXXX XXXX XXXX bill for {$830.00}. I paid them on their web site. I just found that they are still telling XXXX that I have not paid, and did so as recently as four months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: IL

Complaint narrative:
On XXXX XXXX I was alerted that a collection was added to my account ( opened on XXXX XXXX ) by Jefferson capital system for {$81.00} on behalf of XXXX. 

Since XXXX XXXX that the account was opened I have not been provided with the following : - Agreement with the creditor that authorizes you to collect on this alleged debt - The agreement bearing my signature stating that I have agreed to assume the debt - Valid copies of the debt agreement stating the amount of the debt and interest charges -Proof that the Statute of Limitations has not expired - Complete payment history on this account along with an accounting of all additional charges being assessed -Show me that you are licensed to collect in my state ; and - Your license numbers and Registered Agent This illegitimate debt is affecting my credit score in a negative way and must promptly be deleted due to its inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
We transferred money from our XXXX to our US bank account. Most banks operated with an exchange rate of XXXX the day the transfer was made ( XX/XX/2015 ), the highest exchange rate we have seen that day was XXXX. Bank of America on the other hand gave us an exchange rate of XXXX. This made the transfer about 260 dollars less than expected. After complaining to Bank of America they gave us 130 dollars back, an exchange rate of XXXX. We still mean this is far to high considering the exchange rate XXXX XXXX. 2015. They also informed us that their exchange rate is higher the higher the transferred amount is, and we want to complaint about this arbitrary way of setting the rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient has been calling both my father and myself non stop both at work and on my personal line. They continued to cal my sister at school and ask her for personal information about me without revealing who they are calling on behalf of. This is beginning to border on harrasment. They now have sent a letter stating that they are sending my account to their litigation for review unless I respond within a week. So far they have been asking for over {$500.00} a month in payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TFC Credit Corporation of California
State: NV

Complaint narrative:
XX/XX/2015 I contacted TFC Credit Corp in an effort to clean up my credit. They informed me that my collection had been sold to XXXX XXXX, and that in order to take care of the collection with them, I would first need to pay off the debt with XXXX XXXX and subsequently, TFC would delete my collection as well. I was told this on two separate occasions, with several different people who work for TFC. I asked them for something in writing that would guarantee this policy, and they refused to send me anything. So, in XX/XX/2015 I settled with XXXX XXXX, thus taking care of my debt with both collection companies. Several months later, I looked at my credit again, and while XXXX XXXX had deleted my account from my credit report, XXXX still had not. I contacted TFC a few weeks ago to find out why they had not deleted their collection that no longer existed, and they said they could n't help me. I am writing this letter to report that I have paid this debt through the company they sold my debt to, and now I no longer owe TFC. That being said, TFC needs to remove the debt from my credit report as it is now falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I APPLIED FOR A CREDIT CARD ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA 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 explanation
Consumer complaint received 2016-11-01 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: MA

Complaint narrative:
I am trying to pay down my private student loans as quickly as possible. I take advantage of auto pay and set a higher amount to be deducted than what 's due each month so I can apply the extra payments toward the principal balance. However, after I set these amounts, XXXX XXXX/Navient continues to lower the monthly amount automatically deducted, without any notification. Every few months I have to call and make a request that the original amounts of my auto pay be reset. After many months of this pattern ( I have detailed notes going back to XX/XX/XXXX ), it is clear to me that Navient is reducing the auto pay amount so that less is applied toward the principal balance, therefore extending my payment length and they ultimately earn more money off of my interest rate. The differences between the set auto pay amount and what Navient actually deducts differ greatly. For example : On XX/XX/2016 I requested that my monthly auto pay amount for XXXX loan be {$500.00}. Now several months, Navient has the XX/XX/XXXX monthly auto pay set to deduct only {$380.00}, a difference of over {$100.00}. This unauthorized change to the auto pay amount elongates my loan payment period from 1 yr, 1 mths to 1 yr, 5 mths. This is happening on all XXXX of my private loans. Navient has not provided a sufficient explanation on why this amount keeps reducing. They are making it harder for me to pay off my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Without my Permission Bank of America created 3 electronic payment transactions and debited all of my funds out of my XXXX XXXX Checking Account ( they left me with {$96.00} --. )

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 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I declared personal bankruptcy 4 years ago. My home has XXXX mortgages. At the time, my lawyer advised that I =not= include the servicers in my list of creditors. I have never missed a payment with either company, but because I did not include them in my list of eligible creditors, they have refused to report my good payment history to XXXX, XXXX, etc. so I ca n't properly rebuild my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I want to go to school to better my self and possible free my self from poverty but instead I end up trap in student loans with such high interest rates that are un-payable or I feel I will not be able to pay not in my natural life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: WA

Complaint narrative:
After defaulting on XXXX private loans provided by Navient, formerly XXXX XXXX, my loans were handed to XXXX XXXX, XXXX to attempt and collect the balance owed. In XXXX of 2014 I entered into a zero-interest reduction repayment plan with monthly payments of {$250.00} and an interest rate of 0.01 % on all XXXX loans. Two months ago after filing my taxes I realized my balance seemed significantly higher than it should being on this type of interest reduction plan. 

I called and spoke with XXXX XXXX, XXXX who verified I was on the correct reduction plan, but that only XXXX of my loans actually had the plan applied to it and this had been the case for the nearly three years I have been paying ; as such I am being wrongfully charged interest. I have been fighting with the company for nearly two months to correct the issue and I continue to be told that it is being taken care of, but then nothing happens. I 've now been told by XXXX representatives and their respective managers that the process is being started to request a correction to my interest rates as well as a balance adjustment, retroactively reflecting the correct interest charges dating back to XXXX of 2014. 

This seems like a direct violation of our contractual agreement regarding repayment - what, if any, course of actions can I take? I continue to be charged wrongfully on my debt - which is a significant amount of money based on the amount owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Was denied by Nationstar for a HAMP ( XXXX loan ) because " No divorce, XXXX or divorce. '' My income has been reduced and continues to be reduced due to elimination of overtime. I included my husbands income ( non-borrower ) but his overtime also has been eliminated. I am going to " Appeal '' the decision and hope Nationstar will reconsider that there is in fact HARDSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America intentionally kept me from being proactive and getting a mortgage modification. I was denied until I went into foreclosure. After that Bank of America sold my mortgage to XXXX loan company.. As I was in negation for a modification from them BOA took me to court to foreclose on the property they sold to XXXX. They sent me a letter after the act asking me to forgive them of prejudice.

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 2015-06-01 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: TX

Complaint narrative:
In 2013 when i was XXXX and a XXXX I opened a bank account with Bank of America under my social security number ***********. My father gave me a check that did not clear. That balance was covered. Later I had another negative balance which my mom covered ( under {$250.00} XXXX. However Bank of America has reported me too XXXX credit bureaus ( XXXX XXXX with a specific notation of fraud. Because of this I have been unable to open another bank account and I am only XXXX. There was no fraud and Bank of America knows this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
this debt is over seven years old since it was delinquent. It needs to be removed from my file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
After a long struggle I was approved for a loan modification for my Bank of America home loan which was originally a countrywide loan. I made the trial modification payments and XXXX regular monthly payments. 
I received a letter standard delivery mail on XXXX XXXX from Bank of America, that my loan would now be serviced by a XXXX XXXX XXXX XXXX on the following month, with not much detailed information. 
I followed my mortgage details online on the BOA website until no loan data was available on the XXXX ... and still no letter from the new service XXXX. Concerned I called Bank of America at the beginning of XXXX, who gave me no information other than the number of XXXX. I called the XXXX help line on the XXXX of XXXX and they said I should receive a welcome package, and I asked for the website information. 
I immediately navigated the website which was difficult to find where to create a new customer account only to find it could not be done yet. I tried again on XXXX and was allowed to create and see loan information. In that loan information the loan shows an addition to the recent principal of XXXX $ with no explanation of the fee, just named principal adjustment and it also shows the next interest adjustment as XXXX with no info as to what that will be, and certainly not what my modification agreement detailed. Still no welcome package received ... no statement, no information about the additional fees or who agreed to them. The original principle of this XXXX loan which at the peak of the real estate boom has now climbed to XXXX with the new servicing extortion. 
I am feeling completely victimized by this process from the original countrywide loan, to the incredible hurdles to get the modification, and now be at the mercy of more predatory loan nonsense. It 's uncontainable. I went through the home loan modification program with hope that my own tax money would help correct the injustice that was this home loan from the start, only to have the relief of being " approved '' to now be just a gateway to more predatory practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 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: PA

Complaint narrative:
Payments have been recently misapplied. Whole payment amount is being applied toward interest only & I am not on any type of workout plan. Everytime I call Navient 's customer service they advise its because of the interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 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: CA

Complaint narrative:
Bank of America OverDraft Items fees ', XXXX Putting consumers into more debt and or taking their hard earned money. Bank of America rearranges accounting to suit their needs. They also should not charge if deposits are made to the account within XXXX hours, fees ' should be reversed, especially if a consumer calls and requests assistance. Email notifications of low balances do not occur at times for up XXXX hours after. I made deposits on so many occasions on the requested fee reversals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Please see my Complaint # XXXX of XXXX XXXX. The following information refers to an additional letter received from Bank of America, and your office may want to add it to my first complaint or else establish a new complaint. The reason is that I intended the complaint of XXXX to cover XXXX, but Bank of America apparently has separated my dispute of charges into XXXX cases, the first one with Bank America Case # XXXX concerning XXXX and the second XXXX received recently, as described below, with Bank America Case # XXXX concerning XXXX. As described in the enclosed copy of my faxed reply to Bank America 's recent XXXX letters dated XXXX, the XXXX paragraph describes some kind of activity after you put the original complaint in motion. However, Bank of America sent me XXXX letters re their Case # XXXX, XXXX requesting more information which I do not have and the second requesting that I choose XXXX " description of my situation '' as well as requesting my authorization to cancel my current credit card and let them issue a new XXXX. The enclosed copy of my fax indicates these facts that I ca n't provide more information requested in the first letter and that I will not authorize the cancellation/reissue move. With reference to my refusal to authorize the cancellation of my current credit card and issuance of a new card, I crossed out the authorization because it will not solve the dispute but it will have an adverse effect on my currently excellent credit rating. I believe that with this latest request Bank of America is now resorting to threats, which is simply reprehensible. Finally, as noted in my faxed reply to Bank of America, I was unable to learn who XXXX Customer Care Resolution is or who FIA Care Services is, but the message one gets upon dialing XXXX XXXX XXXX XXXX is that FIA Care Services is a debt collection company. I would appreciate your help with this additional turn of events since Bank of America has created this confusion and threat.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
I contacted this company on numerous occasions asking them to validate the debts to which they have reported on my credit profile. However, I never received a response form the company. I went online and disputed the same accounts through the credit bureau to which they replied the accounts were mine. I will ask one last time for a debt validation on these fraud accounts. I am asking for a copy of the contract which contractually binds me to these debts. The accounts are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, and XXXX. I will not hesitate to contact a consumer attorney if these accounts are not deleted. I have been denied credit on three occasions because of their unethical tactics to get me to pay a debt I do n't owe. I know that my rights have been violated. Please govern yourselves accordingly.

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 2016-08-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: HI

Complaint narrative:
Purchased item from XXXX XXXX catalog that was defective. Called company and returned item via mail. Received a statement, called and explained that this was taken care of. Never heard from them again. Couple of years later ( 1-2 ) I received a letter from a debt collection agency, the above one, called them once or twice and write letter. Never received response, assumed it was cleared. This should be cleared from my history.

Company response to consumer: Closed with non-monetary relief