vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I emailed navient student loan servicer about the 25 year forgiveness plan. They sent an email back saying I have only made one qualifying payment towards that plan. It clearly shows in my loan tractions I'm on auto billing and have at least made 10 payments. The navient servicer has mislead me with false info and false transactions. I'm now more than confused if I will ever pay off my student loan debt or have it forgiven even if I've made timely payments. I'm told differently my different agents all the time and given misinformation! This navient place needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Company response is not viewable! XXXX XXXX, the responder to the first complaint, does not and has not responded to the 5 voicemails I left, nor emails. I verified she was in the office but is not responsive. This is a problem since the CFPB response that I was able to view ( once ) indicated to contact XXXX XXXX directly. 
I am now not even able to access her response due to the website not working properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This person keeps calling me at work her name is XXXX. She says that I co-sign for a somebody student loan of ( {$50000.00} ). The person 's name is XXXX but I don't remember the last name. She only has my name and keeps asking for my dob which I refused. 
I don't own any student debt and I have never co-signed for anybody for anything. I keep telling her it is not me and she keeps calling me and harassing me even when I keep telling her not to call me. She keeps leaving me messages in my voice mail at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
At XXXX XXXX  on XX/XX/XXXX, I received two emails from Navient. The first was an advertisement email about my repayment options. I have been in a {$0.00} IBR plan since XX/XX/XXXX ( re-certified from XX/XX/XXXX ). The next email was a monthly statement, which I have never received before. It informed me that I had a past due payment from XX/XX/XXXX of {$440.00} and that " You're all set with Auto Pay. '' I had not received information that my IBR or Auto Pay enrollment had changed. ( I didn't, as confirmed by the customer service rep. ) I went into my account, where my Account Summary did indicate that I had a past due payment of {$440.00}, but that the Status was " No Payment Due. '' Because I like to stay on top of my finances and I am able to pay a surprise bill, I submitted payment then called Navient 's support line at XXXX XXXX. 

When I spoke with the representative, she told me that she doesn't know why it was appearing I had a past due payment and confirmed I was still enrolled both my {$0.00} IBR and auto pay. The representative also said that she has seen it happen before and tat it must be a technical issue. She said they could get rid of the past due payment by putting my account into forbearance, which would take two weeks to go through review and possibly having the past-due removed. I told her I submitted the payment because I have no problem paying it. She said I didn't need to make the payment and asked permission to cancel the payment, to which I agreed. 

After holding to speak with her supervisor, she read me the terms of forbearance, which I learned centered around payment being a financial hardship. ( Recall how I told the representative I do not have a problem paying the amount. ) I had also asked beforehand if forbearance has an effect on my credit and if it would effect my eligibility for PSLF. She said no. 

When she asked if I agree to the terms, I said, " No. '' I then said I have a question. I asked if I pay the amount, the issue would clear when the payment processed she said yes it would. So I said I would just pay the amount. 

I also realize now that I probably wouldn't have had to pay the amount listed, since it 1 ) did not line up with my repayment terms and 2 ) was listed as No Payment Due. However, after ending the call, I submitted payment for the {$440.00} because I take my debt seriously and overpay my minimums. 

I am reporting this to the CFPB to show that Navient recommended forbearance to me when it was not appropriate for my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2020 I was charged 6 NSF fees for an account that I typically keep over $ 10k- $ 15k into at a time. When I set up the account with the branch manager at a local branch I was told I was enrolled in overdraft protection on both my business and personal checking accounts. This one in particular was my business account, in which I've been a member with over 10 years without ANY overdraft fees. When I called the bank they only refunded 1 NSF fee for {$35.00} dollars. I also was suppose to have alerts sent to my email, which came in a day after the fact. I have proof of the e-mail. I've told them I am pulling XXXX out of the account and closing it. Bank of America will never get any of my business for any reason again. Their ethics, morals, and the way they treat their long time customers is a disgrace.

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 2020-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/XXXX Ally Bank sent me an email that I needed to update the information for my beneficiary. 

On XX/XX/XXXX I emailed through the bank 's website : " I received an email to update my beneficiary information. My only beneficiary is a charity. What do I need to update? '' On XX/XX/XXXX I received a response " Hello XXXX XXXX XXXX, Thank you for taking the time to contact Ally Bank. Your business is important to us and we apologize for the delay in responding to your e-mail. We are happy to assist you with your inquiry regarding the beneficiaries that you have on file with us. 

Thank you for letting us know about the email you received. At this time, we can confirm this email was from Ally Bank. The FDIC is requiring Social Security Numbers to be listed for all beneficiaries effective XX/XX/2020 this is not mandatory until this date. Ally will be accepting other forms of identification in the near future for non U.S. Citizens and other entities. Required document information will be released as Ally Bank receives further details from the FDIC. Should you choose not to provide this information, your beneficiaries will remain on your account, however, you may lose a portion of your FDIC coverage. We apologize if this does cause any inconvenience. 

We appreciate your business and want to thank you for choosing Ally Bank. If you have any additional questions, we are here for you 24 hours a day, seven days a week. Our toll free number is XXXX ( XXXX ) or you can always visit us online at allybank.com. 

Sincerely, XXXX Ally Bank Customer Care '' On XX/XX/XXXX I wrote " XXXX, You obviously did not read my message. My only beneficiary is a CHARITY, which does not have a Social Security number. It has an EIN instead. Please confirm that you have the charity 's EIN on record. And please let me know immediately if you need any more information about my beneficiary. - XXXX '' I did not receive a response, so I repeated the email on XX/XX/XXXX. They have not responded.

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 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I've had multiple issues with random fees on my Capital One card as well as my monthly payment randomly being tripled. I've tried for two weeks to contact them, and every time I call the automated message says their call volume is too high and they can not help me at this time. It then disconnects the line. They provide no email address, and their live support is not live at all. It sends you the same phone number. I have dealt with so many inconveniences with this company from the random fees to the unreachable customer service. I've had this card for years. I'm cancelling it as soon as humanly possible and never working with Capital One again. Worst finance company I've ever had to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: MI

Complaint narrative:
This company agreed to remove the account from my credit report after it was paid because they did not properly notify me and did not give me a chance to dispute/verify the debt, I didn't receive any written notification that they were trying to collect the debt because the address and phone number they had on file was not accurate. After I made the payment they stated that they never agreed to remove the account from my credit report. I am trying to purchase a home and this negative account has hurt my credit score and I can't qualify for a mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: RI

Complaint narrative:
On XX/XX/XXXX my Discover card was charged a large amount of money at a jewelry shop in XXXX MA. I have contacted Discover multiple times to have this issue resolved. They continue to not give me a reason for why they will not remove the fraudulent charge. They have stated to me that they had signature and picture evidence that my ID was used at the point of purchase but they have not provided any proof whatsoever. Discover has also continued to harass me with collection calls and emails on a balance that was not my own. Discover has " investigated '' multiple times but has failed to give me a valid reason as to why this was not a fraudulent charge. I have sent them proof showing that I was not there around the time that the purchase happened. The location where the purchase was made is about a two hour drive from where I live. I very rarely travel to XXXX and I never make purchases of that amount. Discover should have verified the transaction with me before it was authorized as it is well outside my typical purchasing area or transaction type. This is my final attempt to have this resolved with discover. My next action will simply be to get a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I leased an exotic car for the day and then was subsequently charged way more than I was told I was going to be charged in the end. Also I tried returning the car early due to an emergency and they wouldnt let me do so. They charged me about {$2000.00} total and BoA has yet to get me my money back. That whole place was a scam.

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 2020-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Nationwide Mortgage Bankers, Inc.
State: VA

Complaint narrative:
Hi, I have recently been trying to close on a house with a company by the name of Nationwide  Mortgage Bankers , Inc. since XXXX. I recently was sent a denial letter last week. I have asked for my money back for the FHA appraisal I paid for. To my knowledge per FHA guidelines, I am supposed to received my money back. They have not been cooperative about this situation. I feel like I was just dragged around and cheated out of a deal. They asked my employer for employment verification at least 3 different times. They have also changed my loan type from FHA to Conventional twice. I've had to pay for the conversion and also I have received 4 different closing disclosures. My closing cost increased every  time a closing disclosure came out. They could never give me a valid answer in why this happened and where they got their numbers from. They have aggravated me and the seller of the house. They would never give straight answers when asking about a definite closing date. It was always one excuse after another. I feel like they knew the entire time they would not be able to qualify me for the house, but just had me spend all this money for no reason. I feel extremely shafted and disappointed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
while login on to my credit monitoring I noticed that a few accounts that was on my report 1.XXXX XXXX  XXXX {$740.00} 2.Bmw financial services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: VA

Complaint narrative:
I have been receiving calls from a company called XXXX   XXXX then yesterday XX/XX/2010 I received a call from a company Plaza Services yesterday and they all say they represent this loan I have from XXXX XXXX XXXX. They all threaten to sue and put a legal issue on my house and job. I asked Plaza to verify the debt similar to asking XXXX XXXX   and Plaza threaten to sue me by Friday if I didn't pay on the debt. I told the guy XXXX I had a right to receive validation of the loan and he advised that if I don't make an arrangement today that he is sending the debt out to be sued. I told XXXX that I thought XXXX XXXX have and he said that Plaza XXXX have. Under threat I set up an arrangement for a {$170.00} for 18 months. I want this debt validated under FDCPA. I think the practice this company Plaza and XXXX   XXXX practice is unlawful. I should not be forced to pay a debt that I have never seen before nor have the option to validate it.

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 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2019, my computer was hacked through a fraud announcement concerning a coin bonus where I clicked on a link. Someone was able to then steal and use my credit cardaccess and information and make international purchases of cryptocurrency coins in the amount of $ 6,200.00+ dollars where the U.S. Bank USA let the action happen unknown to me. When I found out what was happening I frantically called the bank, alerted the action of fraud to them, told them to close my account, stop my card from future use, and asked for another card to be sent to me. In my own investigation, I found my security back-up information of telephone and email address had been removed and fraudulently replaced with a different international telephone number and an email that was XXXX in nature using XXXX. I was able to find this intrusion, change the information back to my original telephone number and email and change all of the passwords to my computer and two of my emails that had been hacked. I had my computer scanned and checked by a firm that I use in Florida to make sure I was clean of the hacking. I called the bank, talked to their fraud dept., stated what had happened, giving them the fraud evidence. U.S. Bank USA send me a letter stating that I would be credited for the frauded theft amount which they so did. A number of days later, they took back their action of credit and told me that I was now responsible for the hacking/credit card action and would have to pay the money back that had been stolen from my card. I contacted the bank twice, filed a theft report at the XXXX Police Dept of theft, sent two letters to the Bank CEO but was refused any help and was told again that I am totally responsible for the theft action of my credit card account. XXXX XXXX XXXX and XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a credit car with Bank of America. Once I received my first statement, I set up payment options through the online banking website, and set up an automatic payment from my bank to Bank of America. 

No automatic payment has ever been deducted from my bank account and applied to my credit card. I went online back in XXXX and attempted to pay my card via the website, but was not able to. I was able to pay via telephone, and began working with Bank of America to fix the issue with making payments from the website. 

Bank of America has not addressed the issues I have making payments online : I am not able to pay my credit card using the website, and I am not able to set up an automatic payment. I continue to receive an error that tells me " We can't complete your request at this time. Please try again later. '' ( attached ) The only way I can pay is to call in every month and make a phone payment, which is not how Bank of America advertises their service. 

Calls to the department at Bank of America that is supposed to be working on my issue are not returned, and no one I speak to on the phone is aware of my issue.

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 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
There is a error on my Equifax credit report. This account is reporting because my information was stolen. I am stating I had nothing to do with this and if they verified my information on file that is because someone stole it and used it without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NY

Complaint narrative:
I was enrolled full-time in college from XX/XX/XXXX to XX/XX/XXXX and this student loan was supposed to be deferred. I had requested deferment and had documentation that I was enrolled full time for Fall semester after receiving my XXXX in XX/XX/XXXX. They had received my graduation notification in XX/XX/XXXX and took me off deferment without verifying that I was still enrolled in classes starting XX/XX/XXXX. I emailed XX/XX/XXXX and told them there was a mistake and I was supposed to be in deferment still and got an email that they would process my request. In XX/XX/XXXX I saw that XXXX took over my loans with American Education Services and checked my credit report to find a bad credit write-off from AES. I tried to get them to remove the bad credit off my credit report when contacting them XX/XX/XXXX but nothing was done. I sent them proof that I had sent documentation and request for deferment and again they just said they received my information and still have done nothing to resolve this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
refinanced in XXXX  US Bank can not provide 1098s because they were purged from the system. Need them for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX to file taxes. need to resolve as part of a divorce US BANK holds both mortgages

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