vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
I previously filed a complaint last year to explain the harassment my mother and I were receiving from a Navient. I never received the email with their reply. I did n't know they had replied till I finally logged into the site and saw that the case had closed. I do n't have many hours in the day to take care of things like this. Also, at the time in which the reply occurred I had to switch offices increasing my commute by XXXX minutes each way. I do n't know why, but gmail did not determine that the email was important, so I must have just missed it. I actually thought I was going to receive a call, not an email. 

My mother is still getting calls from Navient from multiple numbers with many different area codes, which she tries to block but they keep popping up like a hydra. They are still emailing both of us. They threatened to go to legal if we did not make on time payments for three months. They said at that point they would take the black mark off our credit reports, now they 've changed their terms stating that they wo n't show us as current till I agree to a payment plan which, unbeknowst is now XXXX dollars a month higher for the life of the loan to pay off the meager XXXX or so I was considered behind on. It was my mother that agreed to the XXXX payments over the phone in desperation because she 's afraid they wo n't get a mortgage now that they are trying to sell their home. Her panic caused me to panic and we 've almost made the third payment. This month they called my mother and changed the terms ... as far as I understand it. I never agreed to any of this, but I gave my mother money pay for what she thought was going to help us. I 'm XXXX myself with overtime to pay this. I ca n't keep doing this and my circumstances have changed. They refuse to take a financial statement from me. I was told in a very snide way that this was my last chance. They are demanding far more than I can afford. The rep was dismissive about my financial situation and refused to listen to me at all. In fact, I have n't spoken to one rep there that did n't over inflate how much money I supposedly had leftover to give them, and now I 'm in a new apartment with much higher expenses. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: CO

Complaint narrative:
On XXXX/XXXX/2015 I sent a letter to Central Financial Control informing them they were violating my rights afforded by FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " OPEN '' and requested they correct their reporting. 
As of XXXX XXXX, 2015 I pulled my credit reports and Central Financial Control has not updated the status. 
This incorrect reporting is causing harm to my creditworthiness through several scoring models and needs to be removed. 
This was medical debt that should have been paid by insurance, that I did not receive any notice of until it showed on my credit report. I immediately contacted the company and paid the debt, yet it still continues to show as an open and active collection account with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TFC Credit Corporation of California
State: WI

Complaint narrative:
I have a student loan for a XXXX school that went to collections. TFC Corp closed the account and transferred it to XXXX XXXX for collection and I am paying XXXX payments. However Tfc still shows I owe them as does XXXX for the same loan on my credit report. I told XXXX I can not owe both for the same loan and they say when I pay them off tfc will then say my debt to them is clear. I think they are actually the same people in reality. I can only get voicemail at tfc and they will not call me back. How do I even know when I pay XXXX off that tfc wo n't say but you still owe us? I ca n't owe both for the same loan, it shows I owe double the loan amount on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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: CA

Complaint narrative:
I have made two payments in the last month that are not reflected in my loan and loan 's history. I have made several complaints to my loan service provider, but with little avail, I have requested documents to assure my payments have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We have been requesting a modification since XXXX. We have been jerked around over and over. We have even called the corporate Headquarter to no avail. Our mortgage company is Bank of America. Loan # XXXX. Promise after promised. We have contacted many difference agencies and have been approved under the, ( XXXX and XXXX XXXX ect, which Bank of America has denied all of these programs approvals for us.. We have worked with XXXX for years and every time we got close to being modified, BOA told us we had to drop XXXX in orderr for the to help us and as always we end up in FORECLOSE again, again, again, .They promised if we could not get APPROVED we could use the XXXX program or short sale route to liquidate the property. But as always. Forecloser notices ARRIVED AT OUR DOOR OVER AND OVER AND OVER.We deserve a second chance like everyone else.Why have n't we received ours?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CA

Complaint narrative:
I paid off XXXX of the loans I have through Navient. As I paid off my loan in XXXX of 2016 they made it extremely difficult to pay off the loan with the form of payment I submitted. They basically made it very difficult to pay this off, all I wanted was for someone to take the funds I had allotted to pay off the loan. I have record of them believing I was late on my loan when I in fact had paid it in full. They also stated that there was " easier '' ways for me to pay off my loan that I should do in the future. Happy to elaborate more if need be. I also find it interesting that they never have emailed confirmation of my payments whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
As a follow up to all my previous claims, which I find unreal. I just received a XXXX from Bank of America today which is XXXX XXXX, 2015. The package with areturned envelope is asking again for my XXXX form that I submitted XXXX times inthe course of XXXX months, another application which both items were accepted asof XXXX XXXX, 2015, asking me to fill out these forms again. I find this whole processvery unreal. I am forwarding the information to the agency along with the letterand other relevant documents provided to the bank to the Consumer Financial ProtectionBureau, which I hope will put a cease to these unreal requests with violations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/XXXX16, I went online to initiate a monthly payment of {$41.00} to my Bank of America credit card. On XX/XX/XXXX16, BOA debited {$1400.00} out of my checking account and I received an alert that my account now had a negative balance. I contacted BOA customer service immediately and was told they would keep the intended {$41.00} payment, refund my checking account the difference of {$1300.00}, and that this would take 48 hours to get this completed. It has now been 9 days and the funds have not been transferred back to my bank account. The balance of {$1300.00} was placed back on my credit card XX/XX/XXXX16, but as of today, XX/XX/XXXX16, it has not been refunded to my checking account.

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 2017-01-23 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Below is a letter that I sent to B of A today that outlines my problem fairly clearly : XX/XX/2017 Re : Consumer Financial Protection Bureau / Case no. XXXX Account number : XXXX Dear XXXX XXXX, You sent me a letter XX/XX/XXXX ( copy enclosed ) in which you asked me for information that you stated the Federal Government needed to keep my credit card account open. I demurred in giving you some of this information ( for instance, where I worked and what I did ) saying it was none of Bank of America 's business since I had had an existing credit card in good standing. You responded by closing my account, I thought, temporarily until this matter was resolved. However, today when I called your telephone number and extension at B of A ( which number for you and your department had been changed ) and finally got through to someone after a total 90 minutes of waiting on four separate phone calls, I found out that my account was permanently closed and could not be reopened because of the way it had been closed. 

I am writing you to ask you to tell me if B of A reported this account closing to any credit bureaus or consumer reporting agencies, and if so, to provide me with a copy of my credit report from that or any agencies or bureaus. 

I have a number of credit cards and none of those companies required me to give them more information under the guise of the Federal Government requirement. I have had a credit card with B of A for a number of years. Why did only the B of A need me to fill in the XXXX form and the XXXX? B of A already had my Taxpayers Identification Number from when they issued me a credit card in the first place. The XXXX form is kept in house anyway so why the drastic action by B of A? Your marketing department needed the information perhaps? 

Please tell me in detail just exactly what the Federal Government needed to know. This request B of A made was not for a new loan, or new credit card application so was gratuitous in reference to an active ongoing credit card in good account. 

To sum up, please inform me if B of A communicated to any outside agencies concerning this matter. 

Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau, Senator XXXX, Representative 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 2017-03-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In 2013, I requested a XXXX Discharge for both federal and private loans with XXXX ( Navient ). I was approved by XXXX, XXXX, XXXX and XXXX to discharge all federal loans. However, XXXX never sent any paper work of any loans that were discharged, reduced or any information regarding any of my private loans. XXXX continued with XXXX remaining loans, XXXX of which have my co-signer on them. I 've tried to request the discharged loan information with no response. I have had respondence to the XXXX via email and phone with no resolution. I have given them fininacial worksheets for both myself and cosigner and they refuse to reduce my payments or work with me because of my XXXX and XXXX income. Currently, XXXX loans are in default because I can not afford to pay for them due to my income amd XXXX status. XXXX loan is manageable and is being paid for currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I began a modification for my Home Equity Loan with the holder of the loan, Bank of America. After a very frustrating process of them losing documents and re-asking for documents that I had already submitted, they approved the modification XX/XX/XXXX. They sent me documents and we returned them signed in a timely fashion. B of A then signed and return the loan documents and our first payment was XX/XX/XXXX. We have made our payments on time since. Then XX/XX/XXXX they sent out new documents that our modification had been approved. I did not understand. We had completed everything with a signed loan agreement from B of A. When I called they did not give me an answer. Just that I needed to sign. I explain that 4 months ago I had completed the process and have been making my payments on time. After several weeks of going back and forth, they admitted that there was a miscalculation in my loan, but no explanation as to the mistake. I told them that I would not sign new documents as I already have a signed loan agreement with them. What 's to say, if I sign, that they wo n't come back again in 5 months and ask to change them again. I continue to make my payments in a timely matter. They continue to call and tell me to sign or they will withdraw the modification. I have a legal agreement with them. I need help to get them to stand by the original loan documents.

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 2015-09-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax is refusing to block fraudulent information on my credit file as legally required by FCRA Section 605 ( b ). 

They sent me a letter with the following statement : '' Please be advised that Equifax, at this time will not block the information subject to the submitted identity theft and Or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account On your behalf. We will also forward a copy of documents you have provided to each creditor for their review. " I sent the, all required documents, including my ID Theft Report as detailed on XXXX. 

They are providing no explanation regarding why they have refused to block the information and placed all of the fraudulent items into their XXXX-day dispute process. This has been an extremely frustrating process and I do n't know how else to recover from this ID Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am currently using BOA 's merchant services for my online business. They are currently holding an order that is about {$2500.00} because they need to check it for fraud they say & it should only take an additional 24 hours. Well it has been a week and they are still holding the money but they took it out of the customer 's account but not transferring it to me. That makes no sense. So the customer is wanting their item and upset they have been charged for it already but I ca n't ship their product until I get paid. BOA assigned it to a security rep that checks for fraud that is supposedly on vacation because she has n't been to work the entire week. All BOA tells me is that I have to wait. This affects my business and reputation. Im sure BOA would n't do this to a large store. They are taking advantage of a small business and that is not fair.

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 non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is constantly harassing me and refusing to lower my payments to meet my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I took out a loan for roughly {$5000.00} back in 2001 when I attended XXXX XXXX. I 've been paying on this loan for several years. To date I have paid more than XXXX for a XXXX loan. In 7 years, roughly XXXX has been applied to the principal ; leaving XXXX paid in interest. I still have XXXX remaining on this loan. This is embarrassing and I 'm saddened by the fact that it 's taken me this long to pay this off. At 9.4 % interest - It 'll be years before I can pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received loans to go to school at XXXX. They closed before I was able to complete my degree. Navient started calling in collection notices before my alloted time to be in school was over ( the XXXX months you are allowed to be outside of school before collection begins ). Since none of the schools I could transfer credits to had the degree plan I was originally working towards, I decided to get my loans discharged. Since I filed with Navient they have been running me around, saying that something was n't filed XXXX time, that I was n't in school long enough to qualify for loan discharge - which I clearly was - and generally saying anything they can to deny my clear legal right to have my loans discharged. I was able to get them to allow a period of time before I started paying, which I have no plans of doing, in which I will be seeking legal consultation if possible on what to do. In the mean time, they are holding my credit XXXX and are suggesting that I file bankruptcy since I ca n't pay these loans. Navient is the worst and needs to be shut down!

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

Complaint narrative:
I have a checking account with Bank of America. The bank overdraft my account by issuing an overdraft fee when my account shows there was money in the account covering the purchase. The phone representatives were very rude and had XXXX excuses why the bank would put a false overdraft fee on my account. It appears they somehow switched the processing of transactions so that they could overdraft my account.

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 2016-03-03 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America charged me for withdrawals done at the ATM on my savings account. Despite their deposit agreement and disclosure stating that there is a limit of XXXX but of the XXXX, those done at a staffed teller window or ATM do not count. I had done a total of XXXX, XXXX at an ATM and XXXX online transfers. When I called they said that the XXXX at the ATM used up my XXXX allowed so they had a right to charge me for the remaining XXXX at $ XXXX/transaction. I referred them to their own Deposit Agreement and Disclosure ( page XXXX ) and they agreed with what it said, but stated they still would count towards the XXXX so anything in addition would be fee 'd if done elsewhere. I said I thought this was a violation of Regulation D as I understood it as well as their disclosure be unfair and misleading. 

I have a copy of the chat where they did not even know that their disclosures stated that until I copied it. The call I made was allegedly recorded as well.

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 2016-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
This complaint is in regards to the Student Loan Servicing Company NAVIENT This company has overcharged my Student Loan Accounts by {$3100.00} I have written them 3 times to provide a break down of each loan and every dollar charged to my student loans. ( I have XXXX loans ) and each time they just respond with a Total Amount Owed and say it is correct. They tell me if I have any disputes to contact they previous loan servicing company XXXX. I have contacted XXXX and they have provided me with information that I have sent NAVIENT. CLEAR Documentation from XXXX that NAVIENT is overcharging my accounts by {$3100.00} and they tell me to contact NAVIENT. So I have, 3 times, and NAVIENT keeps responding with nothing, no documentation proving or showing me how they came up with the Total due on my accounts, except for sending me a XXXX page letter stating you owe this Amount. I have written them 3 times now clearly stating in CLEAR English the documentation and proof I am requesting of a breakdown of each individual loan, every dollar in interest charge and how they came up their Total Amount Due. XXXX, my previous loan servicer, has been able to provide me with this documentation, but NAVIENT keeps responding with nothing. If I could sue NAVIENT for overcharging customers, violation of consumer protection laws and horrible customer service and treatment of student loan consumers I would. I do not want NAVIENT to be my Student Loan servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Mortgage was sold by Bank Of America to XXXX. I never received ANY statement from XXXX, nor any correspondence

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