vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: AL

Complaint narrative:
I need your assistance in helping me to get several accounts reporting on my credit file from Central Financial Control removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified the Credit Agencies of this along with Central Financial Control. However, Central Financial Control have reported to the Credit Agencies that these accounts has been verified. How could they verify an account with the Credit Agencies and they can not verify this account with me. I have asked for proof of this account and I still have not received anything from Central Financial Control.

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 — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I 'm on an income based repayment plan, they never notified me when they needed me to update my information for the year. I was told all that information was on their old website and I never would have gotten notification of it unless I specifically asked. I was put in forbearance for 2 months while they figured it out and I submitted their information, then I started getting notifications that I was behind on payments and they had no records of the dates I was giving them. It ended up putting me in forbearance for another couple of months while things got straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a statement for my credit card, which shows {$1.00} as a Fee Charged in the Account Summary box ( in the top left of the first page ). Then in the Transaction Detail box ( in the middle of the first page ), it lists the {$1.00} as " Minimum Interest Charge. '' But when I look at the Interest Charge Calculation box ( in the middle of the third page ), it does not reflect any dollar amount as a " Balance Subject to Interest Rate. '' I do n't understand why I was charged the {$1.00}, and I do not know if the provider does either seeing as their statement is so conflicting with the information. This looks to be a UDAAP violation as it is unfair to charge a fee that I can not trace its origination, as well as deceptive.

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 2015-04-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX, 2011 the law showed up and our home to evict us due to foreclosure, along with my children one week before XXXX. We had fought with Bank of America for 1.5 yrs, trying to resolve when my husband and I both lost our home, we even had payoff which Bank of America refused, why, because the mortgage was wrote off and the sell of my home was profit only for Bank of America. We were told we would receive the paperwork we needed to sign and return so keep our home within two weeks, they came and went no paperwork, we called again withint two weeks, this went on and on. Needless to say we lost the home in which i grew up in and my children grew up in a house i had paid off XXXX mortgages for. Not only did Bank of America force us into Insurance that raised my payment from {$640.00} to {$1100.00} per month, they lied and would call us XXXX or more times a day or their machines would call us. We went to the debt counselors required of us and they to said we could keep our home if we followed instructions which we did to no avail. So, in the settlement we got a grand total of around {$800.00}, which was nothing more than an insult. We moved into a house which by all rights should have been condemned, we stayed there as long as we could getting together the money to move, we now live in a place that at best is barely standing, i have elderly family ( father ) that i have to stay close to. I hope anyone reading this never uses Bank of America, my husband and i both work and do not receive government assistance in any form. Yet, we have lost everything, there was nothing then nor now to help us recoup anything we lost, our credit our home was stripped by Bank of America while they gave themselves million dollar bonuses with the money i work and pay into taxes. Yet, no one was there to bail my family out. I know just in my area there were several that went through the same problems my family did. So much for the American Dream!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: IA

Complaint narrative:
Hello, Navient has continued to call and harass me asking for my son 's contact information. They have all the information I have. I have called and asked them to stop. I sent a certified letter demanding they stop contacting me. I filed a complaint with the CFPB, and as you can see in their response below they stated they would stop calling me unless it was in regard to co-signed loans. They have now contacted me twice since the attempts to reach me noted in their response, once on my home phone and once on my cell phone regarding my son. They were not calling about co-signed loans as I ensure they are current. I believe legal action is required at this point. 

" This is their response where they stated they would stop calling, a promise they have also made over the phone. We reviewed your concerns raised to the CFPB and attempted to reach you on XXXX XXXX and XXXX XXXX, 2016 to discuss these concerns in more detail. Unfortunately, our attempts were unsuccessful and we have n't received a response to our outreach. 

While we were n't able to talk with you directly, we can share that our review of your account determined that you are the cosigner of a Private Tuition Answer Student Loan and XXXX Private Signature Student Loans for XXXX XXXX XXXX. These loans are current. 
You are also listed as a reference on additional private loans that XXXX XXXX has with us. For this reason, we were contacting you regarding XXXX XXXX 's account. We have updated our system so that you are only contacted regarding the loans that you cosigned for XXXX XXXX. 

Thank you for sharing your experience with us. We apologize on behalf of Navient for any inconvenience this may have caused you. We strive to continuously provide excellent service to all our valued customers, and your feedback will help us reach that goal. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a mortgage lien on my home from the Bank of New York Mellon f/k/a The Bank of New York, as Trustee for the Certificateholders of XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX c/o XXXX XXXX XXXX XXXX. The interest rate on my loan is over 10 %. They have set a foreclosure date for XXXX/XXXX/XX/XX/XXXX I want them to produce ORIGINAL signed documentation that they have legal right to lien or foreclose my home ; showing they are the legal holder of the mortgage note. If they can not produce the original signed documentation they must cancel the foreclosure hearing. " Robo-signed '' documents are not legally accepted therefore they must produce the originals.

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 2015-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America mistakenly retained {$3700.00} through an erroneous merchant service transaction with my business. Although they acknowledge that they have this money that does not belong to them, and that it was a mistake they should have caught, they are refusing to give me my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: MD

Complaint narrative:
My credit report has an entry of my being delinquent on my student loans when I have proof of payment. I am currently unemployed and have been turned down for a job because of the credit issue. I am unable to find employment until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We are in the process with Bank of America to try to save our house from Foreclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner ) ... We finally decided to get lawyer after XXXX attempts with Bank of America went no where ( never received Fax 's, after having proof that they did receive all papers on time, we were denied because they claim they did not receive papers. Well now, we are here today at almost the very same issue with Bank of America ... .We were notified by Bank of America XX/XX/XXXX that in order to apply for Modification we would have to have all papers to them Faxed by XXXX XXXX 2015, which we did ahead of time ... ... now we received letter from XXXX XXXX that they will be handling all concerns regarding this loan as of XXXX XXXX 2015 ... How could this be? and how can it be legal while working with Bank of America, they decide before our original deadline to give over to some other company. I am pleading with you to look into this matter, we want to save our house and will do anything that we need to, but we are not being handled fairly, honestly or justly and this is criminal what this Bank of America is getting away with ... as a matter of fact the original loan came from Country wide, which was toxic in the first place ... .would like someone to look into this matter and help resolve this never ending nightmare ... ... Thank You XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Had an account with XXXX, closed account with payment in full. I sent back all equipment carefully packaged in their own container at my expense in 2010. One month later, I received a payment due notification of {$25.00}. I called XXXX billing and a supervisor stated that it was for their mailing labels and that I should have waited. I explained that I was not told this and that all equipment was sent expeditiously and that I do n't feel I should pay. After sending in numerous letters of dispute, I never received a response from XXXX and wrote letters to a collection company seeking a new balance. No response. I recently called XXXX with their Bundled services and XXXX is in the package and I was denied service due to the " outstanding '' balance with XXXX. I have attached my notes when I first had this problem of the mailing labels, back in 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
We have a XXXX and XXXX with Bank of America. My husband and I have got caught up in the predatory lending of several years ago when the housing crashed. We continued to pay our mortgage, at XXXX point we were given a temporary modification ; however that did not solve the issue. I am well aware we make some bad decisions. When we signed the loan with an adjustable rate we were told it was only temporary and would only be within 5 years and we would be able to refinance to a fixed rate. 
We have repeatedly tried to get the loan modified to a fixed rate with a lower rate, currently we are paying 9 % adjustable and a XXXX at 12 % with a balloon.. We are paying over {$1800.00} for a {$200000.00} loan on a house that is not worth {$150000.00}. We made another attempt to have the loan modified, we were turned down. BOA turned down the modification, but stated they will support a short sale. We have been in this house over 21 years and have attempted to stay. They are basically saying they will give a lower rate/fair mortgage to a new buyer but will not work us ; with the customers who have paid faithfully when 'normal ' people in this situation would have walked away along time ago. We estimated we have paid them over {$200000.00} already. This should be a crime.

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 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
PLEASE HELP ME!!!! NAVIENT/XXXX HAVE LIED TO ME, TRICKED ME ABOUT INFORMATION REGARDING MY STUDENT LOANS. THEY SAID THEY DID NOT RECEIVE MY PAYMENTS AND WHICH THEY INTENTIONLY CAUSED MY LOANS TO DEFAULT. THEY SENT A GARNISHMENT WITHOUT TRYING TO CONTACT ME REGARDING THESE ISSUES AND CALLED MY JOB TO TRY AND EXPEDITE THE GARNISHMENT WITHIN A 10 DAY PERIOD. I DO NOT TRUST THESE PEOPLE AND UNDERSTAND THEY ARE BEING SUED FOR THESE REASONS. THEY ARE VIOLATING THE LAWS IN EVERYWAY POSSILBE. I TOLD THEM NOT TO CALL MY JOB AND THEY CALL ANYWAY. I TOLD THEM THAT I WAS GOING TO REPORT THEM SO THEY GOT MADE AND STARTED CALLING ASKING FOR THE HUMAN RESOURSE DEPARTMENT AND THEY TOLD THEM TO SEND WHATEVER THEY WANTED IN WRITING TO THEM. THEY TOLD ME THE GARNISHMENT WOULD GO AWAY ONLY IF I CONSOLIDATED ALL OF MY LOANS WITH THEM WHICH ALREADY SHOWS ON THE NATIONAL STUDENT DATA REPORTS THAT THEY THEMSELVES HAVE CONSOLIDATED ALL OF MY LOANS WITHOUT MY PERMISSION. I DO NOT TRUST THEM AND CAN CHOOSE TO CONSOLIDATE MY LOANS WITH OTHER LOAN SERVERS OR WITH THE BANKS. 
PLEASE REPORT THIS COMPANY BECAUSE THEIR CUSTOMER SERVICE REPS TAKES THINGS PERSONAL WHEN SPEAKING TO THEM AND WILL TRY TO MY THREATS TO YOU WHEN YOU TRY TO DEFEND OR DISCUSS YOUR LOANS BY TRYING TO MAKE THE NECESSARY PAYMENT ARRANGEMENTS. I KNOW MY RIGHTS AND I KNOW THAT THERE ARE MORE OPTIONS AVAILABLE. PLEASE REPORT THEM AS FRAUD AS THEY HAVE ALSO SUBMITTED A GARNISHMENT TO MY EMPLOYER BUT THEY ALSO HAVE REPORTED TO THE DEPARTMENT OF TREASURY TO OFFSET MY INCOME TAXES WHEN I FILE THIS YEAR ( HOW?? ) WHEN THEY DID NOT TRY TO ALLOW ME TO MAKE PAYMENT ARRANGEMENTS WITH THEM AT ALL!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
For upwards of the tenth time in the last two years, I have made a monthly payment on my Bank of America credit card after the bill issued, and they failed to credit it for that bill, instead imposing a late fee, reporting me late, and requiring a double payment. This has been complained of to CFPB multiple times before, and yet it keeps happening. Here again I sit after having spent a half hour earlier this week during the work week trying to get it straightened out, then when that representative said he had it straightened out and credited back the erroneous late charge, on the immediate next bill it said I was late and required double payment. Very simply, bill issued XXXX XXXX, due XXXX XXXX, I paid it XXXX XXXX, and yet they do not credit the payment. This has happened seriously upwards of eight times, perhaps more., I have complained repeatedly to CFPB, spent HOURS on the phone with B of A, been told varying stories by B of A, but they just keep getting it wrong. This is now a chronic consumer finance problem with them bordering on intentional.

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 2016-05-25 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: WA

Complaint narrative:
This is my daughters student loan that I co-signed 10 years ago. XXXX of us forgot this and when she quite paying, Navient started calling me. I have called them and proposed a payoff amount to XXXX XXXX, Senior Collections Mgr. at XXXX. I have worked out the payoff deal with my credit card and it is a time sensitive offer which I have relayed in the several voicemails that I have left for XXXX XXXX. I have received no response. I have left another voicemail today requesting that she call me back and simply let me know she is working on this. Late this afternoon I received another collection email. There is no email address to respond to letting them know that I have been in contact with XXXX XXXX. I am asking for a response so that my daughter and I can move on. This loan started at {$5600.00} 10 years ago and because my daughter could not afford to pay more than the 10 % interest payments, the loan is now at an astounding {$8600.00}. She was too embarrassed to tell me this. I do n't want to accrue any more interest on this loan. I originally asked them to lower the interest rate and I would make the payments to them. XXXX XXXX XXXX told me she had the power to do that but would not. That is why I am contacting her boss XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/2015, Discover posted a promotion that advertised XXXX % cash back on purchases made with XXXX Pay. They amended the terms and conditions after the offer had started to add a condition prohibiting gift card purchases. Then, starting in XX/XX/XXXX, Discover arbitrarily and without proof began to disqualify entire purchases based on their hunch that the purchase might contain a gift card. In order to receive the cash back promised on the payment, the customer was required to provide receipts ( which has never been, and still is not, in the terms of the promotion ). 

I first received notice of disqualified purchases on XX/XX/XXXX ( attached : XXXX ), with additional notices on XX/XX/XXXX ( attached : XXXX ). I e-mailed Discover on XX/XX/XXXX to let them know that I had not saved the receipts from those purchases, but that they were all at least partially non-gift card purchases, and requested the XXXX % cash back that I was due. I received a response from Discover on the XXXX ( attached : XXXX ) telling me they would request my receipts from the merchant and I would hear back when they were done reviewing the account. 

It is now XX/XX/XXXX and I have n't heard anything from Discover since then. I would like my cash back, as I have paid an opportunity cost in using Discover over other cards at that time. The amount of cost in disqualified purchases was {$1800.00}, so I would be owed {$180.00} cash back on the purchases if the full amount were to be found eligible.

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

Complaint narrative:
My loan was sold by XXXX to Navient. Navient then " adjusted '' my account so the due dates of the XXXX loans were the same. This somehow resulted in my monthly payment going up by {$10.00} per month. Over the remaining 72 months this results in Navient receiving an additional {$840.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Paid off card then company sent XXXX bill which I sent in before the next months bill but had the wrong information on my account then they closed my account and dropped my credit score a XXXX points. I have never been late on payments and think this is unfair.

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 2016-01-25 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I contacted syndicated office systems in order to resolve an outstanding account. After my identity was verified, the representative was rude and bullish. I requested to be transferred to a manager and i was transferred to a lead person. His name is XXXX XXXX, who was nastier than the first person. He refused to verify any information to prove that the outstanding account was mine. I repeatedly requested that he verify the address on file but he said that he does n't do that, that i had to do so myself. After several uncomfortable minutes, i finally just wanted to get the situation over and just paid the account. I felt bullied and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is a follow up to complaint XXXX. Yesterday, a full month after I submitted a complaint because Bank of America, among other things, sent a debt collector to my home and put correspondence on my front door, sent another person to my house and put the same correspondence on my door again. BofA referred the matter to their outside counsel who wrote me a response that does not address any of the issues raised. They need to stop sending people to my house. Doing it a second time, after I filed a complaint about it, constitutes harassment and intentional infliction of emotional distress. If the Bank does not address my issue ( and punting to outside counsel who send an unresponsive letter, and who fails to respond to me when I follow up with her ) I will file suit.

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