vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have tried several times to cancel my Bank of America, XXXX XXXX XXXX, Visa card. After I click the button to tell them I want to cancel but not because of lost or stolen card, they transfer me to another line which tells me either they are very busy and to call back or they give me the option to choose a call back from them within a certain amount of time. I never receive a call back. 
I think this is an attempt to prevent me from cancelling the card and that I will get tired of the run around and forget about cancelling the card.

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 2015-09-15 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 been attempting to come up with a solution to my current problems paying my loans.I started this on XXXX/XXXX/15 and have continued to send emails and talk to XXXX XXXX, Navient '' s consumer advocate. XXXX XXXX has been diligent in his efforts to resolve this, but even his attempts have fallen on deaf ears. I/ He have gotten no response from Navient for over two months, other than continuous emails and phone calls. As my attached letter states they have no interest in helping at all

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I have repeated asked Central Financial since XXXX of XXXX to provide verification of debt for {$100.00} that they are continuing to renew on my credit. Every 6 months, they are repeated renewing the collections of {$100.00} as if it is a brand new debt. According to their records and all the information they can provide me is that they acquired the debt from XXXX XXXX in XXXX. In fact, this should have NEVER been on my credit since I have insurance and have double coverage. My normal out of pocket is always {$0.00}. Why is it showing on my credit as if it was filed in XXXX of XXXX?????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: NE

Complaint narrative:
There is a debt from XXXX being collected from Syndicated Office Systems on my XXXX credit report that I 'm not responsible for. I am a VA XXXX Veteran who has 100 % Medical from the VA Hospital. It is the VA Hospital responsibility to pay all medical bills from other medical facilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was told a deposit I made would be available on XXXX XXXX, 2016 and as of XXXX XXXX, 2016 it has still not been released, despite me providing proof the check had cleared. I am being charged fees while items I 've try to pay against the deposit have been returned at great embarasement and expense to my family

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 2016-08-05 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 had a series of student loans originally obtained from XXXX but which were consolidated and then serviced by XXXX XXXX. The interest rate was locked in for the life of the loan ( only XXXX loan since the consolidation took place ) and have thereafter been paying the loan off monthly and have never missed a payment. Some time last year ( I believe ) the loan was transferred to NAVIENT and I continued paying off the loan. Again, never missing or late with a payment. Since I have the loan paid to NAVIENT via my online bank XXXX I noticed that my last months payment had gone up {$30.00} per month. I contacted NAVIENT by email and informed them that since my loan consolidation was at a fixed rate of interest for a fixed time period, unless they could provide me with a logical and SPECIFIC reason for the increase, I had no intention of paying the increased charges. I received an email from NAVIENT stating " after a review of your loan, we noticed that the minimum monthly payment amount needed to be modified to allow the loan to be paid off in the agreed upon timeframe. As a result, we adjusted your monthly payment amount so that your loan will be paid off as scheduled. The interest rate on your loan has not changed. '' I so not find this to be a satisfactory response in that when the loans were consolidated the lender and I both agreed to a specific interest rate and number of payments to satisfy my obligation. 
I further understand that there has been an extremely large number of complaints filed against NAVIENT since they took over collecting student loan payments and I can now understand why this is happening. I also understand that the Government is considering, suing NAVIENT for their methods and operations if they have not already initiated such an action. My attempts to deal with NAVIENT representatives has proven fruitless. Their telephone reps are ill informed to say the least. Additionally, they call me daily regarding this matter but when I call them back, the reps are not qualified to discuss the issue. It seems that this whole effort on their part is a ruse to increase their income or profits. It seems I have no other option to file a complaint with your agency with the hope of ultimately getting these people out of the student loan collection business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 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: NC

Complaint narrative:
I am the step-father of an adult daughter, and cosigned a school loan in XX/XX/XXXX for ger. Her and her husband filed bankruptcy in XX/XX/XXXX, I was never notified of this, by any party in any form. 
In XXXX of this year, Navient informed me that the loan and all of its capitalized interest is now solely in my name, based a bankruptcy judgment. It was the first time I even knew that there was a bankruptcy. 
If I had known the true state of the loan in XX/XX/XXXX, this loan would not be double the amount and at a high interest rate. I had many options in XX/XX/XXXX on what to do about it. But I was denied that opportunity. 
No one I 've talked at Navient will state that they should have let me know about the bankruptcy. I received no correspondence, notification, nor personal contact that this loan was fully in my name and not being paid on during the time of the bankruptcy. 
I 've reviewed the Promissory note I co-signed for this loan, and the particular policies that Navient has invoked to keep me ignorant of the state of this loan are not part of that contract. It states the co-signer responsibilities, and the fact that the loan is not eligible for bankruptcy forbearance. It does not state that Navient will deny information about the loan to me based on a filed bankruptcy ( which is what happened when I contacted XXXX XXXX and then Navient based on my credit report findings ). 
I have had this loan fully on my credit report during the time of the bankruptcy. During that time, I called Navient to question the accruing loan balance on my credit report, and they would only tell me the loan was in my name, and it always had been, and that there was no other signer of that loan. My assumption was that the records were incorrect at Navient or the credit report. The bankruptcy was never made known to me till I called Navient after receiving a billing statement this past XXXX. 

My credit score dropped over XXXX points since last year at this time. I was turned down for a refinance during that time. In XX/XX/XXXX, I was given a government clearance based on the fact that I stated that I was only a co-signer for this loan, which again I assumed the credit report had it mistakenly listed me as the loan-holder. 
I was not provided any options or opportunity to address this loan when this bankruptcy first occurred. XXXX/Navient actively kept me from knowing of this when I contacted them about the credit reporting. The only contact I had with Navient was what I initiated, and it was full of deception or incompetence that prevented me from determining the state of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Financial, Inc
State: WA

Complaint narrative:
I am a first time home buyer attempting to purchase a home in Washington State. XXXX XXXX has refused to release my earnest money in Escrow after seller relisted property while still under contract. Rather than follow the law and purchase of sale agreement and releasing my earnest money in a timely manner - XXXX XXXX reached out to XXXX XXXX XXXX 's Attorney. 

On XXXX XXXX, 2016, I entered a purchase and sale agreement as a buyer to purchase from XXXX and XXXX XXXX property located at XXXX XXXX XXXX in XXXX, Washington. As required by the purchase and sale agreement, I paid {$10000.00} in earnest money which has been held in trust by XXXX XXXX 's escrow department. Both the XXXX and I agreed that I would have a financing contingency in this transaction when they signed a Form XXXX Financing Addendum. My financing contingency period was preserved until XXXX XXXX when I gave notice of termination due to being unable to secure financing by closing the date. The seller refused to allow for an extended closing and by that time had relisted property on the XXXX of XXXX 2016. 

Under Section XXXX of the Financing Addendum, XXXX things were required under this contingency for refund of the earnest money : 1 ) written confirmation from the lender and 2 ) notice from the buyer. Both of those requirements were satisfied by XXXX XXXX Pursuant to the terms of Section XXXX, on XXXX XXXX and XXXX XXXX, I again sent out a written notice demanding return of the earnest money. On XXXX XXXX, XXXX bank my lender provided a written confirmation explaining why I was unable to obtain financing. 

According to RCW 64.04.220 ( 2 ), XXXX XXXX had 15 days from XXXX XXXX - the day it received my written notice - to 1 ) notify the parties of my demand, 2 ) release the money, or 3 ) commence an interpleader action. When my legal counsel called XXXX XXXX on XXXX XXXX, 2016, she said XXXX XXXX did not send out any notices to the parties in regard to my demand and that it was XXXX XXXX 's policy to simply wait in these situations for a rescission agreement to be signed. This policy is not consistent with the purchase and sale agreement or RCW 64.04.220. In fact, it is my opinion that XXXX XXXX is out of compliance with RCW 64.04.220 ( 2 ) and the terms of both the Form XXXX Financing Addendum and the purchase and sale agreement. 

I just want my {$10000.00} earnest money returned to me as I have sent significant time, energy, and resources traveling between coast to try and buy a home. I believe XXXX XXXX is not acting on good faith as a neutral party and they have wrongfully held onto my earnest money for 3 days shy of a month now. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 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: IL

Complaint narrative:
There were XXXX accounts from Navient that were removed from my credit reports and added back without proper notification. Please remove these items immediatley as they are in violation of the FCRA. 
Cited text under 611 - 15 U.S.C. 1681i ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 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: MI

Complaint narrative:
This is about my enrollment through XXXX. When I first enrolled at XXXX back in XX/XX/XXXX, I had no idea what I was getting myself into. I came in for a visit and by the end of that visit I was an enrolled student. I was pressured by the end of my visit into signing up for classes. The rushed my financial pack, which they completed everything on their own. I had no I idea about and interest rates and what I would be paying. I was blind sided coming, and the same exact reasons the CFPB is suing XXXX tech are some of the same issues that I have experience. I have been paying up to date in good faith, because yes I did attend the school so I have no issues paying. I first filed a complaint back in XX/XX/XXXX. But I believe there should be a better resolution. My loans are now through Navient. Because XXXX used high pressure sales tactics I believe there shoud be a better resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CL Holdings LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX date of birth XXXX/XXXX/XXXX and in XXXX/XXXX/XXXX I tried to contact JEFFCAPSYS because I 'm taking steps to fix my credit and unfortunately the phone num, ber on the credit report is disconnected that number is XXXX since I could n't get in touch with them I tried colling XXXX wich is the original creditor, but they were not able to help me they told me I have to contact JEFFCAPSYS when I told them their phone number is disconnected they gave me XXXX, but when I tried calling that number since XXXX/XXXX/XXXX it tells me to call back during regular business hours but I have called different times and dates since XXXX/XXXX/XXXX with no luck I always have the same answer ' to call during regular business hours "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 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: CA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX XXXX in XXXX, CA. My original loan amount was approximately {$55000.00} and now I owe over {$100000.00}. For years I have requested my payment be lowered to a price that I can afford, but instead they will only defer or forebear it adding more interest and penalties. They are unwilling to work any different solution. I am now at a point where I will just die with it and they wo n't be able to get any money. I could never repay that amount they are asking and it will only continue to grow

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 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: CA

Complaint narrative:
This is the second time I 've submitted a complaint about my XXXX student loan which I 've been repaying for since 2006. Now that XXXX is closed I 'm still paying for a degree the Federal Government deems worthless. I 've repaid the original amount and just want to know what can be done with the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has re acquired our mortgage from XXXX ... in this process they have charged a fee to us, and show it as late, even though the transfer took place in XXXX 2015 ... the fee, XXXX they say is related to the expenseof acquiring our mortgage ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am writing about how Bank of New York Mellon violated my rights during the foreclosure of our property at XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX they failed to give notice when they secured the rights to the property in auction on XXXX/XXXX/2016 the first notice we were ever given was a notice to quit the property that was dated on XXXX XXXX XXXX and served to us on XXXX XXXX, 2016 Bank of New York Mellon NEVER sent ANY correspondence to ANY resident at the address they were forcing an illegal eviction because they failed to serve notice of ownership. My complaint is that Bank of New York Mellon is the acting in an illegal manor as the Trustee holder of the Certificate of the XXXX XXXX asset-backed certificates, series XXXX I am not sure I understand the legal terms but if I understand it correctly Bank of New York Mellon is a trustee for an asset backed security and they bought the dead of trust for this asset. It is very unethical and I feel that they violated our rights. I am seeking action against the Bank of New York Mellon

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 2016-12-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I purchased a property in XXXX ( XXXX XXXX ) and used Bank of America to finance the 1st and 2nd mortgage on it in XX/XX/XXXX. Unfortunately, the condo I purchased was involved in a real estate scam and as a result lost its value. On top of that, I had an unfortunate tenant issue where the tenant got diagnosed with XXXX XXXX and was dealing with mounting medical bills, and eventually could no longer pay rent. I tried to work out a coop short sale in XX/XX/XXXX with Bank of America but they basically ignored me and then foreclosed on me less than a year later in XX/XX/XXXX. The first mortgage account got closed out in XX/XX/XXXX, but it took Bank of America another 2 years to close out the 2nd mortgage account in XX/XX/XXXX, which prolonged the derogatory marks on my otherwise pristine credit score. To add to the insult to injury, when the 2nd mortgage account was closed out in XX/XX/XXXX, there was apparently unpaid interest due ( {$44.00} ), but Bank of America never notified me of the amount due. In XX/XX/XXXX, I received a letter from Bank of America notifying me that my 2nd mortgage account was closed, and my account was " paid in full '', so I assumed that the nightmare was finally over and that my credit score could finally come back. However, this was not the case, because when I tried to qualify for a mortgage for a home purchase XX/XX/XXXX, I was notified of the {$44.00} that Bank of America claimed that I owed, and, since they could not collect ( since I did NOT EVEN KNOW ABOUT IT ), they closed the account ( AGAIN ) XX/XX/XXXX with derogatory remarks, which caused my credit score to go down again! I am upset with Bank of America because there was never any notification of this unpaid interest when the account was closed. Additionally there was the misleading letter that was sent to me that indicated that I did not owe anything, since the account was " paid in full ''. I called the Bank of America recovery department and they were not apologetic to my case, and even mentioned that there is no communication between the active loan department and the charge-off department, so therefore consumers are not educated on the fact that there COULD still be monies owed, even if the account is closed!! This issue is basically preventing me from being able to purchase a house for my family, and this foreclosure happened FIVE years ago!

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 2015-04-28 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: CA

Complaint narrative:
I have been repaying my student loans since graduating from college ( no small feat - a sum that is now about $ 600+ every month ). XXXX are federal ; the other XXXX are serviced by Navient ( formerly XXXX XXXX ). 

My complaint is as such : For over a year, I have been requesting that, as a consumer in good standing with great credit, my father be released as cosigner from my loan. XXXX XXXX ( and then Navient ) has had me jump through countless hoops - the first of which is, of course, being able to get past their customer service. Every time I have begun this conversation with them, I am told that for reason " X '' I can not release my father as cosigner, but to call back in 2, 4, 6 months. 

Upon my latest call with Navient, I reached wit 's end. Whilst his colleagues said I would be eligible in XX/XX/XXXX, then XX/XX/XXXX, etc. etc., he told me I am ineligible on the grounds of not making " the required consecutive on time principal and interest payments. " I am not one to complain or lodge accusations against others, particularly financial institutions. But Navient has mislead me, made it inexplicably difficult to discuss my greivances, and ultimately removed any faith I 've had in their institution as a whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 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: TN

Complaint narrative:
I am a co-signer to a private student loan from Navient. The loan was paid in full in XXXX 2016. It still shows that the account is n't paid on my credit reports. I disputed the reporting via XXXX. Navient verified that the balance is correct on my credit report. I have a letter stating that the loan is paid in full.

Company response to consumer: Closed with explanation