vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AR

Complaint narrative:
XXXX XXXX, 2015 Dear Federal Trade Commission, This is the problem that I am having. On XXXX XXXX, 2015, I had a wreck in my 2015 Toyota Corolla. Two weeks later forms were needed to complete the process for payment from XXXX. I had to go get an incident report, the breakdown on how XXXX insurance came up with that amount and the amount that was paid from my insurance. Okay this how it all got started. I went to Tennessee where the accident occurred and got the police report because I had all the other documents already to go. I put the documents in the mail the same day. I mailed the information XXXX. When I mailed it off I made sure that the company gets it in a couple of days. Okay I thought the process had begun until I check my credit report and I showed thirty day delinquent. So I called XXXX and asked them why have n't XXXX Toyota received the remaining balance yet from the 2015 XXXX XXXX. They stated that all the information has not been received to get the ball rolling. So I asked what other information that you are talking about. XXXX stated we are still waiting on the police report. I told them I sent it out already. We went back and forth with the same conversation. I told them I paid XXXX dollars for that incident report. I am glad I made a copy of the XXXX I had. So I sent another report out to them. I kept checking every week to see had the process begin. Still no word on when they will pay the remaining balance. So I asked do I need to pay my regular car payment so it will not go on my credit. The worker stated your case is being processed just waiting on the incident report. By that time another thirty days was approaching on my credit report. I just sit there with tears in my eyes because I knew it was nothing I could do because one thirty days had already smashed my good standing credit. I have worked so hard trying to do the right thing with my credit just for this company to give me the run around on finishing paying for the car. When you add extra coverage on your vehicle to make sure it is paid in full just in case something happen, it really happens. XXXX did n't waste any time receiving their portion of the payment every month. But when push comes to shove, they let you down. This is really upsetting to me because I pay my bills and for this to happen it is heartbreaking after I worked so hard to keep my credit in good standing. I have always paid my bills on time and XXXX acts as if credit does n't matters to them. I did have no problem paying them every month. So when I became in need, they washed me under the table. This is my first time dealing with XXXX. They did n't explain to me how the process works if an accident occur. I would n't have let this gotten to the point where it affect my good standing credit. 
I really hope that you carefully look into the matter and contact me with the results. 
Thanks and have a Happy Holidays. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
What is the statue of limitations on collecting a debt? My debt is about 9 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America made an inaccurate assumption regarding one bank item on my account. Without allowing me to rectify the situation or even allowing me due process they reported me to XXXX and has refused to accept payment on to clear up the overdraft three times. I attempted to pay for this item THREE times in person at a bank branch and each time I was made to wait for at least XXXX minutes to an hour while the branch person called people at different offices and each time the payment was refused. worst of all I was told that even with the payment they refuse to reopen my account. This was the only time I had a problem with the account. In addition the last time I arrived with cash to a branch to pay for the item, they added {$59.00} dollars for a service that they did not, nor could they provide a specific explanation as to service they had provided, they just knew that I owed it and it was in the system. Furthermore I was severely criticized by a number of B of A employees for taking such a long time to clear up the matter. And they continued to refuse to accept a cash payment from me or sell me a cashiers check for the cash to clear up the matter. 
The Desired resolutions is I that I humbly ask for Bank of America to forgive my error accept my payment for the bad item and reopen my account. More important I humbly request that they remove the inaccurate report about my account to XXXX. I did make an error in filling out a check but I was in no way intentionally attempting to commit fraud. I stated this numerous times and I attempted to take care of this initially when I discovered that I made a mistake on my entry and the check that I provided. Unfortunately B of A refuses to accept my explanation or my money. It seems they just want to ruin my financial life. The information they are reporting is so inaccurate and so far from my character that I wo n't repeat what they are saying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I am being pursued for a XXXX medical bill form XXXX XXXX. I have always had private medical insurance and was covered at the time. I submitted verification of my medical insurance at the time of service and I was still billed on the error of the facility. Several attempts were made to try to clear this up as I should have only been billed for a co-payment not a {$550.00} bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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: OR

Complaint narrative:
I hold both private and federal student loans with Navient ( formally known as XXXX ), I originally borrowed close to {$65000.00} at about 7.1 % interest for a masters in XXXX at a graduate school named Oregon XXXX XXXX XXXX XXXX. For 6 years after graduating I was on an Income Based Repayment plan ( IBR ) as I could not afford to pay large payments. As my income improved I decided that I could afford more and wanted to pay my loans off in 10 years. So, I called XXXX XXXX and asked the best way to proceed. The agent on the line told me to let the IBR lapse, that my account would default into a 10 year repayment plan, and then to start paying what I was billed. Immediately, after my IBR lapsed my 'interest was capitalized ' which ballooned my owed principle to over {$90000.00}, I was NOT informed previously that this would occur. Also, my monthly payments went from {$0.00} to over {$800.00}. Sometimes I pay double to try and pay my loans down faster but it hardly makes a dent. After noticing this I again called then Navient ( XXXX ) to inquire why the payments were not going farther and also asked what repayment plan I was currently enrolled in? After 3-5 confusing conversations I was told I was NOT on a 10 year repayment plan but a quasi- IBR plan in which I would be lucky if I was paid off in 25 years. I was extremely surprised, stressed and frustrated! And asked, " if I was still on an IBR plan how come my interest was capitalized and how come I was not on a 10 year plan like the original agent had told me? '' The answers were ( are ) unclear and I feel extremely mislead and taken advantage of by the Navient agents. I continue to pay {$900.00} a month which is {$100.00} more than they are billing a month, but the principle does not seem to reduce very quickly? I will call them again soon to ask to be re-instated on the original IBR with lower payments. I am hoping your agency can help investigate to uncover the wrong doings!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XXXX/XXXX/16, Bank of America refused to block any periodic ( every 3 months ) charges to my BankAmericard from an on-line vendor ( a dating site ) that no longer is accessible on-line, and though it has an XXXX phone number, no-one ever picks up the line to allow cancellation of the service and recurring charges. Bank of America only processes disputes of charges already made. This means that every three months I must potentially file a claim and hope for the best. As a result I no longer have control of my finances.

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 2015-04-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a Cash Rewards credit card from Bank of America since XX/XX/XXXX. They closed it without any reason in XX/XX/XXXX. I contacted them several time by phone and even went to their branch to know why they did that. 
They just sent me a letter stated that we are n't able to reopen your account. 
This credit card is my major and XXXX credit card. So, while they closed my account, the " age of credit history '' is very poor now. 
This will make problem for me in future to apply for any kind of loan. 
Please help me to reopen my credit account. 
Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I asked for a Bank of America Credit Card account be closed. I was assured that it was closed. A recurring charge was set up from a vendor. I do n't intend to continue with service from that vendor. Bank of America reopened my account without my permission and processed a charge. I never gave them permission to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: GA

Complaint narrative:
I have federal loans through Navient and have tremendous problems with them! I actually had to contact a lawyer because navient has harassed and threatened my father who co signed for me and myself! Telling us we need to grow up and pay the full amount on the loans, which I then explained I could n't afford because I was unemployed because my degree was worthless! I graduated from XXXX XX/XX/2012 and was objectified by that school. They took out XXXX different loans in my name that I had no idea would happen! Navient has caused my fathers health to XXXX by the harassing phone calls and threats! He had a XXXX because of it! I want them to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been contacting them numerous times to advise them that I demand a cease and desist against an out of statute debt. They repeatedly send me letters that do not offer the validation of debt miranda nor the mini miranda. I have told them they are in violation of the FDCPA and to cease communication. The last letter I got from them said that even though they are a 3rd party collection agency they are not subject to FDCPA rules and regulations because it is a government fine they are trying to collect. They have changed the structure of my cease and desist of an out of statute debt to show that I am asking for validation of debt which I am not. Again they keep stating they are not subject to FDCPA rules and regulations. Even after the cease and desist they have continued to mail me Dunning letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 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: MA

Complaint narrative:
I got a XXXX dollar overdraft fee charge. I should not have been allowed to use my debit card but I was able to use it and I was assessed this charge for being negative.

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 2017-01-27 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: FL

Complaint narrative:
I have private loans as a cosigner with Navient. I am retired and they make me pay {$400.00} a month barely able to make it and now they want to raise my payment by {$200.00}. I have tried to come to a deal with them but every time I send papers and call them with my proof I have, they tell me they never received my papers by fax. I get multiple letters threatening me if I do n't pay and multiple phone calls by them. I have tried talking to them over and over and nothing helps. As for my daughter they did the same to her always saying they never got the papers we sent to try and get into the income based repayment program even telling us we failed to get in because we did not submit the paperwork on time even though we had fax papers proving we did. This was after multiple times they only offered my daughter the ability of forbearance and not income based which we later found out about. They also threatened me for XXXX of my loans if I did not pay they would put a lien on my house and they told me to pay using certain credit cards I had. Info I never gave them access to. They forced me to pay {$5000.00} and I would be fine. Then I get a call I have to pay {$300.00} for another loan even though I was told once I paid the XXXX I would be ok only to find out that it only applied to that loan. On top of that as we went through this whole ordeal the loan doubled and tripled from its original amount and its ridiculous you ca n't find someone to work with and the deal for XXXX is only for 15 months then for my XXXX other loans I got a letter stating that I agreed to a three pay forbearance option which I never agreed to that part and never even heard of a three pay forbearance program before till I got a letter stating the deal for the XXXX that I had to constantly call in order to receive the letter as proof I did pay the XXXX. It is not justified that the loans are increasing based on navient not cooperating with me and my daughter. The loans now cost more then my house. I want a resolution in which my loan balance is what it should be and not triple what it is now when I have done everything to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
bank of america is insisting i set up a recurring payment of {$1200.00} per week to be paid out of my credit union checking account. i have no conscious recollection of having set up a recurring payment of {$1200.00} per week. they are deducting {$1200.00} a week from 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 explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I have been receiving calls from CBE group XXXX XXXX XXXX up to 6 times a day on my cell phone and home phone. Almost Everytime I answer they hang up. I spoke with a lady once and I told her to call me back at a certain time because I was at work. They called me back 3 days later and then no one answered when I answered and they hung up. They do n't leave a message. When I ask them to identify themselves and reason for call they say they ca n't without me telling them my name, address and birthday. I called them on XXXX and explained to them what they are doing is harassment and they say they are doing nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 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: DC

Complaint narrative:
Navient, which is my student loan company gave my phone number out to other companies without permission, and i 've been getting a mass amount of calls pertaining offers and false advertisement regarding education. It 's annoying and its very frustrating. I get phone calls late at night early mornings, its out of control. They just constantly call from different numbers and I would like it to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My payments going towards 0 % first and payment not being applied to high interest rate of 25 % from bank of america.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
On XXXX/XXXXXX/XX/XXXX my credit card became compromised. I had to contact Bank of America to have the card shut down and get XXXX reissued. However, I had already begun making payments to the old card number in the amount of XXXX on XXXX/XXXX/XX/XX/XXXX and XXXX on XXXX/XXXX/XX/XX/XXXX I also had returned an item for XXXX that posted to the old card on XXXX/XXXX/XX/XX/XXXX. Bank of America took over 30 days to process the transfer from the old card to the new card. I was given multiple different answers by multiple different associates. I wasted hours of my time and was lied to by this company on multiple occasions. The issue was not straightened out until XXXX/XXXX/XX/XX/XXXX. During XXXX phone call, I was hung up on by XXXX of the representatives. They acted completely unprofessionally and handled my concerns and issue in an entirely unethical manner. Because of the way this situation was handled, I have opened another card with a different company and will not be doing business with Bank of America any longer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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 have been paying my XXXX/Navient student loans since 2007. At one point, I was in forbearance ( for approximately a year. ) I have recently seen reports of the failings of Navient, I 'd like to inquire about my situation in this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with Bank of America due to negligence from XXXX XXXX, title company and Bank of America. 

" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXX : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the titlle to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Page XXXX.The mortgage to XXXX was eventually assigned to XXXX XXXX Bank XXXX Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said Registry in Book XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XXXX XXXX and XXXX, XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX XXXX not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts XXXX XXXX Court in the case of XXXX XXXX XXXX XXXX, Trustee vs. XXXX XXXX XXXX and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale XXXX and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in XXXX XXXX. XXXX XXXX who bought the property from XXXX XXXX XXXX of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09 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: FL

Complaint narrative:
my school closed I was told if a school closes all debt is null and void yet i get letter after letter asking for repayment

Company response to consumer: Closed with explanation