vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
I first learned about this debt collection effort when I was notified by my identity monitoring service of adverse information being submitted to credit agencies. I had never received any bills or notices about this debt in the mail. The identity monitoring service gave me the name and phone number of the debt collection agency. I called the debt collector on XX/XX/XXXX and learned the original bill related to an XX/XX/XXXX visit from a year ago. For some reason, they had the hospital 's address listed as my home address ( although they did not recognize it as such ), so that any bills, statements, and notices that may have been mailed were sent to the hospital rather than to me, which is apparently why I never received any notices. I had received other bills in the mail related to this visit ( ambulance, the doctor who examined me ), so it 's not clear why neither the hospital or collection agency could find my correct mailing address. After several more phone calls, I finally received a bill in the mail on XX/XX/XXXX, but the amount was higher than my insurance company said I should pay after accounting for payments they had already made. When I called, I was told to have my insurance company fax an Explanation of Benefits to the collection agency, which I did on XX/XX/XXXX. I called the collection agency back on XX/XX/XXXX, verified that they agreed with the lower amount, and was told to mail them a payment for that amount, which I did on XX/XX/XXXX. They also told me they would send me a verification letter upon receipt of my payment, and that they would also notify the credit agencies. My bank shows that my check was processed on XX/XX/XXXX. After not receiving anything further in the mail, I again called the collection agency on XX/XX/XXXX, and was told that my balance was now XXXX and that the debt was paid in full. I again requested a confirmation letter and notification to credit agencies. After hearing nothing, I again called on XX/XX/XXXX, and was told that processing could take 30 to 45 days. As of today ( XX/XX/XXXX ), I still have not received my requested statement showing the bill has been paid, even though the check was processed over 2 months ago. It also appears that no updates have been submitted to credit agencies, so that they are still showing that I have an outstanding debt in collection.

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 2017-03-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
My brother died XX/XX/XXXX. We were told to keep the Bank of America account open until his XXXX benefits were resolved. We started trying to close the account in XX/XX/XXXX. The last forms were signed XX/XX/XXXX, but still no money. We escalated to a formal complaint on XX/XX/XXXX. Still no money. They have an original death certificate & multiple copies provided via different methods over the past few months. XXXX XXXX XXXX at the XXXX XXXX, XXXX, VA, branch where forms were signed wo n't answer the phone & wo n't return calls. The " Enterprise Estate Unit '' contact of XXXX XXXX has n't communicated in days. We have no idea where the account stands, and no one can tell us why it ca n't be closed. We 've been waiting months & need this money!

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 2016-11-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
In an attempt to mitigate any sort of credit issue, I called Navient Student loans ( with whom I have private and federal loans with ). I recently lost my job, and was attempting to put my loans into forbearance or deferment. Navient charges {$50.00} per loan for a 3 month Forbearance period. For the XXXX loans in my name, that was a total of {$150.00}. It is {$150.00} of which I dont have at the moment due to my loss of employment. Prior to this, I had always made my payments on time. If by some happenstance, I were to need more time, I would need to pay an additional {$150.00} to extend out the forbearance period for an additional 3 months. After hours of talking to different operators and managers, Navient 's official position is that they do not offer any non-payment options for their private student loans. As I am now unemployed, this will likely affect my credit rating, and snowballs into a larger debt problem that I may not be able to climb out of for several years at best. I wish to warn any who read this to STAY AWAY from PRIVATE student loans, and Navient especially, as they are extremely unfriendly towards their borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Home Loan Servicer did not properly allow for my participation in a mandated Home Loan foreclose avoidance program nor did they provide me with the information or guidance in a timely manner to prevent the impending loss of my Home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loan balance continues to grow from high interest and additional charges added to my principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America once again is charging ridiculous fees. I spotted a XXXX fee charge stating is was over the limit withdrawal in my savings account. I called because I was not over drawn in my account. Bank of America rep informed me that the Federal Reserve Regulation D requires the bank to charge me if I make more than XXXX transfers from savings to checking. Upon checking Regulation D it states im allowed XXXX transfer transactions. I call Bank of America back and I 'm then told that they only allow XXXX then charge me XXXX for each transfer over XXXX. So which is it? Federal Gov. Says I 'm allowed XXXX, but Bank wants my money so they only allow XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is only paying part of my payment {$140.00} not {$430.00} towards my mortgage as loan I signed. I do not have escrow, I pay all of my taxes and insurance. This is reported as negative to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Recently XXXX less than 1 week ago ) I was short of funds and had to take a cash advance on my capital one credit card. I received the necessary funds to repay the full balance of the cash advance and called to get the I formation on how to do this. When speaking to the representative, I asked him what the procedure was to accomplish this as I have always been able to do this in the past with other credit cards. " XXXX '' the representative insisted that this was not possible and stated that the payments are always applied to the lowest interest rate XXXX and then they would go to the highest interest rate charges after all of the other balances were paid XXXX. This is totally unacceptable and potentially criminal! So what they are telling me is that I will be paying 30 % on the cash advance until I pay my entire balance in full?!? I told the rep that what he was saying was wrong and he proceded to tell me that they ( Capital One XXXX WOULD not help me. I have already been charged XXXX separate {$10.00} cash advance fees, which I understood and acknowledged before I made the withdrawals, but what he is saying was rediculous! I told him that I was going to report them to a government agency, and he was very rude and still very unhelpful. 
I am certain that there are laws prohibiting credit card companies from doing this. Please advise me of my rights in regards to thisThank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I applied to Bank of America on XXXX XXXX, XXXX for a loan modification to my home equity line of credit which was converting to very high monthly payments. I could not afford the higher payment because I am XXXX and can not work. 

I was finally approved for the loan modification XXXX XXXX, XXXX and signed the agreement dated XXXX XXXX. There were conditions, must make the payments during the trial period, XXXX, XXXX, XXXX on time. 

I was assigned a resolution case manger, XXXX XXXX. She explained how the process would proceed and that late payment information regarding the loan reported on my credit bureau by the Bank would be taken off, " just be patient ''. 
I made all payments during the trial period as agreed. 

I reviewed my credit report this week. It shows an alert. I am over 30 days late in XXXX, over 60 days late in XXXX and over 60 days late again in XXXX for this Bank of America of home equity loan. The payments were made during the trial period of the modification on time and as in the agreement. 

As a result of the erroneous reporting my credit score has dropped significantly. 

Recently, my income has decreased from what I originally reported to the Bank. I tried calling the Bank several times hoping to get my credit file corrections expedited. I called XXXX XXXX, left several messages, no return call. When I finally got through to Home Loans Department, the gentleman said I " should be glad I still have my home ''. 

Yes, I am grateful that I got the loan modification and want to make all payments on time, but I will need at least a good credit score to exercise what options I have left to help me before too much time passes.

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 2016-05-03 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This case has a prior case number from XX/XX/XXXX XXXX, Bank of America. 
I filled out an application in XX/XX/XXXX, I did not even know I was approved for this account until XX/XX/XXXX. I was out of town for a month. I received the terms in the mail and someone from Bank of America Phone me to find out why the Card was not Activated. 
I explained that I did not want the card because of the {$79.00} annually and interest. I told the person I was returning the card un-activated and I did. But they show it delinquent in all of the credit bureaus with a 30 day late status because of the {$79.00} fee. This Account should have never been reported because the Card was declined. Here is XX/XX/XXXX and I find out after applying for credit in XX/XX/XXXX that this is still a problem. I want this removed. Bank of Americal told me this was resolved in XX/XX/XXXX, Her name was XXXX but I see now it is not true.

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 2016-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX in the year XXXX I started school at the University XXXX in XXXX. I took a very small load of classes at the time. I have to mention i am from XXXX, Texas XXXX. While I was attending at the Universtiy XXXX in XXXX. My Families home was hit by Hurricane XXXX so i told all my professors that i am going back to TEXAS. I also filled out the proper paperwork at the registar 's office to withdrawl from the University. So i was told everything was good and i had withdrew from the University the correct way. Anyways when i got to Texas and was helping my family with all the difficulties of the hurricane. I started getting puhone calls and letters from Navient i have repeated my story to them with no help ... This has been going on for a long time.. They keep re-appealing this case and the interest just keeps going up??? What can I do?? The President had declared my families Home a disaster area!!

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: OH

Complaint narrative:
I borrowed XXXX form XXXX XXXX that is now Navient with the help of a co-signer in 2004. I have been paying on this loan for 10 years and still owe XXXX. I have been charged late fees when my payment was on time. I have paid over XXXX in interest and the principle has never gone down. They refuse to let my Co-signer be released even after this long period of time & payments being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting a charge off for a credit card I have never had

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 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America - Mortgage Loan # XXXX - Bank of America sent the handling of my loan to XXXX XXXX at the end of 2016. I have been trying to obtain my 2016 tax statement in order to file my Tx Return for 2016. Bank of America has not sent it and refuses to do so. They insist I owe them payments for 10 months although all payments were made and I have verification of payments. They will not call me back or send the TAX info for 2016. What do I do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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:
XXXX. I sent my payment of XXXX to pay off my loan XXXX XXXX to Navient. 
XXXX. XXXX XXXX I contacted Navient. Navient stated it had no idea what happened to my check. 
XXXX. I got a copy of the statement from my bank, XXXX XXXX XXXX. Navient cashed that check XXXX XXXX and put it into a XXXX XXXX bank account. 
XXXX. I sent my private loan checks in the same envelope, certified. Those loans were posted to my account. The federal loan is lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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: NJ

Complaint narrative:
I attended XXXX XXXX XXXX in 2005 to study the XXXX program and I have been over charged for this program they charge my student loan triple the amount for this course. I have been trying to pay for this loan for the past 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
i had a debt with XXXX that was turned to a collection agency The CBE Group, when I made contact the advised that if I set up payment arrangements they would not report to credit bureau, I set up payment arrangements and the deductions are being taken at XXXX and the final payment on XX/XX/XXXX. On XX/XX/XXXX they repoted the debt to the credit bureau after it was clearly advsd that this would not happen. I have been allowing them to deduct electonically from my bank account. When I asked why they did this the stated that the bill was to be paid by XX/XX/XXXX which no one advsd me of. This is not the agreement that we came to and now they are refusing to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: NY

Complaint narrative:
Mis-allocation of funds more than XXXX time, and addition of " fees ''. 
Making it very difficult to bring account current as " overdue '' balance is inaccurate and adds up. 
XXXX phone calls today alone, the most recent being at XXXX on a friday evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We obtained our first mortgage from Bank of America on XXXX/XXXX/XXXX and completed BOA in house modification program in XXXX/XXXX/XXXX. Its new principal balance of the note is {$700000.00} ( current interest bearing principal balance is {$490000.00} and deferred principal balance is {$180000.00} ). The loan has been transferred to XXXX Mortgage for service since XXXX/XXXX/XXXX. 

Our house has been underwater for many years ; we want to move on by requesting Principal Forgiveness of the deferred principal amount of {$180000.00} by using BOA settlement with Department of Justice of XXXX. When we contacted BOA on XXXX its representative informed us that we should apply through XXXX since they service the loan. Despite financially qualified, we were finally informed by XXXX in XXXX that our application was not approve because they believed we are doing fine with BOA 's XXXX modification. 

Our loan was originated by BOA and we believe we are entitled to apply for that relief from BOA for Principal Forgiveness. The settlement stated that credit will be provided to BOA for any Consumer Relief completed by any subservicer and for loans sold to other servicers. 

Appreciate if you can advise us best way to approach our situation. Thanks.

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 2016-10-27 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: MD

Complaint narrative:
I have several loans with Navient ( former XXXX XXXX ). I am so thankful to them for helping achieve my dreams of having a XXXX and XXXX XXXX XXXX. However, when I graduated college I could not find a job in my field. Even if I did I would still not be able to pay my over {$900.00} a month student loan repayment. My co-signer who was once a close uncle of mine, is now berated with calls because I can not pay my loans. 
When I was completely honest with the Customer of Advocacy Department they revealed that because my uncle makes enough money he can pay them, and there are no other options. These are not my uncles loans or responsibility. NOR WILL HE PAY THEM. My uncle is currently refusing to speak with me because he hates this situation I have put him in. He is retired, and trying to live out his life as much as possible. I asked what else could I do, I was told you do not have any other option but to pay the monthly amount or it will go to collections. When I ask how much the collection monthly payment would be they could not give me a direct answer. I understand that this is my doing, and my fault but there must be another way to help me. 
I am married, I have a house, I have a child, I am XXXX, and I work full time already, and I have to pay child care. I need to feed my family, and my uncle is not going to help me at all. I am on my own just like I was while going to school. I can not just stop my life to pay these student loans. It is not fair, and unjust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
The problem started in XXXX of XXXX. Bank of America offered ( via promotional checks ) " No Payment, No Interest '' terms on my credit cards, but repeatedly charged interest during that period even though payments were made on time. 

I had to call at least XXXX different times ( spending on avg 1 hr for each call ) to get interest that was inaccurately charged to my account removed. 

The matter was escalated to XXXX different managers, each promising a quick resolution & no further errors in processing the interest on the statements, however as of XXXX XXXX XXXX, the issue remains unresolved & I have been once again charged interest, even though I am within the promotional period & have been making my payments on time.

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 2015-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Constant non stop, several calls per day to my cell phone. I 've answered and they say they are wanting to speak with someone other than myself, I tell them they have the wrong number and I am notifying them to stop calling, as I am charged on my cell phone. They have continued to call even more frequently. Tactless, rude demeanor and quite disruptive. Please STOP these people. Thank You.

Company response to consumer: Closed with explanation