vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Collectors from Navient Loans have called every day for 6 months for someone named XXXX who had this phone number previously. 

Repeated attempts to explain who I am and my lack of connection to this person have resulted in aggressive tactics. I have blocked their previous numbers only to have them use alternative numbers to contact during my work hours repeatedly. 

The last number they called from was XXXX. 
Prior to this : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. Bank of America resolution specialists will not provide me with requested contact information, i.e. Emails, phone numbers, to BofA executives and CEO. 

2. XXXX XXXX, manager of XXXX XXXX ( my assigned account specialist ) ( XXXX ) XXXX will not return phone calls. I left over XXXX messages. 
It 's my right as a consumer and customer to request and receive this information. Not returning calls has prolonged my loan and now will cost me thousands of dollars more a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX Bank of America represented to me some of the fees and costs assessed to my mortgage included an amount used to pay off the XXXX XXXX lien, but it remains unpaid to date. I have requested a detailed account and accounting of the XXXX fees and costs assessed to my mortgage and do so again. I have not received any response from Bank of America to date in this regard.

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 2016-05-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
We have paid all our medical bills with XXXX XXXX XXXX, forcing us to close our Retirement accounts in an attempt to avoid a negative impact on our credit We call Central Financial control to dispute a medical bill. 
Despite the ruling by CFPB, Consumer never received a debt validation notice. 
We called to request a debt validation notice. 
According to the ruling against Central Financial Control, '' The company will pay {$100.00} to consumers who were never sent a debt validation notice and did not make any payments to the company.

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 2016-02-10 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: VA

Complaint narrative:
My private loans from college were financed through XXXX. now d/b/a Navient. I received a letter stating I was unable to apply funds directly to the loan principal, despite the account being current. Navient insisted that the additional funds would be applied to interest that had accrued since the last payment. I responded that any accrued interest would be paid when I make the NEXT monthly payment ; however, Navient refused to apply the additional funds to the loan principal. I called the CFPB in XXXX XXXX inquiring about this new " policy '' and whether it was illegal. The CFPB representative had never heard of such a policy. She indicated that most loan providers allowed principal-only payments if the account were up-to-date. I figured this may be an illegal practice since the mortgage industry attempted a similar tactic ( requiring one to pay all the interest before payment to the principal ) and it was struck down by the courts. 

When I attempted to apply additional funds directly to the principal, despite this new " policy, '' Navient applied it to the interest. I fought with them for two months to have the money applied to the principal, but Navient decided returning those funds to me was a better option. In XXXX XXXX. Navient raised my interest rate in retaliation for the refund! 

This " policy '' is a problem because only XXXX of the payment I send to Navient as payment for the loans is applied to the principal. This " policy '' would essentially keep students in debt, well beyond the 15+ years it already takes to pay off student loans. Is this " policy '' to keep students in debt ACTUALLY allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: OK

Complaint narrative:
After seeing press coverage of complaints filed with sister states ' attorneys general and the Consumer Financial Protection Bureau, I believe I am the victim of deleterious payment processing errors and curious trade processes. In XXXX XXXX, I took out a student loan in the amount of {$10000.00}. I began making regular payments in XXXX XXXX. In particular, I scheduled a payment for XXXX XXXX. While the funds were withdrawn from my bank on that day, Navient did not register the payment until XXXX XXXX the following year, which means the balance continued to compound despite the payment. In fact, I noticed that I had to schedule payments for Mondays because payments made later then Wednesday were withdrawn from my bank account but not credited until the following week. 

Around XXXX XXXX, I enrolled in a class at an accredited Oklahoma public college, which was reported to the Department of Education and caused me to enter a state of deferment. Regardless, I continued to make payments. When I signed the loan contract, I was given an interest rate of 5.84 %, and when enrolled in the autodebit plan, I would receive a .25 % rate reduction. I signed up for the autodebit, but because of the deferment status, it was suspended and the corresponding rate reduction did not materialize. I had to schedule payments manually and at a higher rate. Beginning this month, the autodebit finally activated and triggered the lower rate of 5.59 %, which means I had a higher rate for around 285 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: NV

Complaint narrative:
I borrowed a number of federal loans for my doctoral program through XXXX XXXX approximately {$150000.00}. After I graduated from my doctoral program my loans were sold to Navient. Today Navient is saying I owe more than {$400000.00} ( I only graduated in XXXX ). In the detailed statements the original principals have been increased by over 60 % in which they are now calling unpaid principal. My required monthly payment fluctuates every month despite the fact that I am on an income-based repayment plan. When I have called and asked about this they say they are late fees and service fees ( they ca n't tell me from when ). Since I began repaying my loan after graduation I have never had a late payment. Navient has also auto-adjusted my interest rates to as high as 8.5 %. A couple days ago I read the news about the class action law suit against Navient and I am interested in finding out how I may get help to resolve this abuse of student loan repayment plans. I have a paper copy XXXX XXXX statement from Navient that cites my unpaid principal as {$160000.00}. However today when I go to the website in the statement they have from the exact same period of XXXX XXXX they cite the unpaid principal as {$200000.00}. I am including copies of both these for your review so you can see how they have retroactively manipulated the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Someone opened a credit card with Bank Of America in my name and put a fake name on the account as well. 
They put all of my information as the primary card holder and had the card ( s ) sent to my address. Bank of America has no other phone number or address on file. There were no charges on the card. I closed the account. 
I want the credit bureaus to remove the hit on my credit for opening a card that I did n't actually open and then closing it. It needs to be removed from my credit rating all together. 
I spoke with the Police department and they indicated to notify the credit bureau and the social security administration. There is no need for a police report because there are no charges to the account. 
I can not get in touch with any department of the credit bureau to notify them.

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 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I lost my wallet and all my bank card was in with my information that how my account was closed I did report and told then excate what I am telling now I should not be in the XXXX cause some one still my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: PA

Complaint narrative:
I have my loans through navient and they have not been helpful at all with working with me to pay my loans. I have had to put my loan in forbearance twice. They wanted me to make a payment of {$1300.00} a month. I am a teacher and barely make that every two weeks. They told me to take a forbearance for a year which I did. When I explained I could n't afford that they told me to me I could do income base payments the income base payments were still to hire. They said there was nothing they could do. So once again I 'm back in forbearance.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have been making payments on my student loans for over 3 years. My balance has stayed the same and at one point increased from the original amount. At one point I had the loan paid down by {$1000.00} and Navient sent me a letter saying that I no longer qualified for some credits that I was receiving and added back almost {$1000.00} to my loan, putting me right back to where I was after paying on time every month for over 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX XXXX, 2016, I logged into my Bank of America checking account ( of over 10 years ) to see a pending debit of $ XXXX. I have never bounced a check, missed a payment, overdraft, so I called and contacted the Customer Service Department upon which I was n't given any information but that a fraud investigator will be assigned within 24hours and will contact me. Since that day I have not received any call or mail whatsoever from BoA however I do call BoA just about everyday but still all I get is the runaround from different their various departments that I am transferred to. Finally on the XXXX XXXX after yet another call to BoA Fraud Department, I was told my account was being closed and a check with my account funds was being mailed out the next day and that BoA has a right to close my account without given a reason per the depositors agreement when account was opened. 
While I understand this agreement, I do n't understand why as of today XXXX XXXX ( another 2weeks ), a check has still not be mailed to me. I keep calling BoA Risk Account Department as advised as well as their Executive Customer Relations Department and they claim they are looking into it but still I have n't received any check yet nor any correspondence yet. The XXXX tracking number ( XXXX ) they had initially provided upon tracking shows that the check was never even given to XXXX in the first place even though a label was created! 
I really need my funds from my BoA account urgently, as I need to but medications for my mother who is recovering from a XXXX and also need to pay for her XXXX. I also need my funds to pay my bills due as well as for some other financial obligations. 
Its been more the 3 weeks since BoA held my account without reason or any communications to me. The investigator assigned who I later got to know her name and number as never called me nor return any of my calls. I even went to her office on the XXXX of XXXX and she would n't see me but was told to go to a banking center which again I did at XXXX XXXX XXXX XXXX, XXXX, IL but was again not given any information but that they I should wait for check correspondence from them. But still I have n't received any check. 
I believe its unfair and inconsiderate practices to close a customer 's account at the bank 's discretion yet hold on to the customer total funds for more that 3 weeks without return it nor providing any information. This as caused hardship for me and my family. and really saddens me.

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 2017-03-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am contacting to explain my complete frustration and concern about the total lack of privacy and security exhibited by Bank of America during my loan modification eligibility process. 
When the process started, I initially had to set up a secure account online that I automatically assumed would keep my personal information safe and protected from cyber predators.I was then asked to provide personal tax details, banking and mortgage information via electronic uploads.This information unfortunately included my social security #, my bank account details and XXXX information. 
I accessed the " secure '' Bank of America Borrower portal on the weekend to check on the status of my loan modification application and to my absolute dismay and horror I was able to look at the following : Statements and earnings information for a lady in XXXX XXXX, CA who is applying for some sort of change to her banking methods.This lady had submitted these confidential documents to Bank of America but they have been deposited in my portal and possibly other people 's portals to see.Very disturbing!!! 
Statements and social security information from a couple in XXXX XXXX, CA who are also trying to make changes to financial situation.This couple 's private information was available to view in my portal which is totally wrong and should not have happened. 
I did not see an uploaded copy of my XXXX for 2016.I wonder whose portal that is in??? 
I am extremely concerned that all of my assumed confidential information that has been disclosed electronically to Bank of America could be in the hands of potential criminals who could steal my identity and destroy me financially.It is obvious that BOA have a very insecure network that distributes very private and personal information into the wrong portals.I am also very disturbed at the lack of concern shown by telephone personnel that i spoke to when I found this problem. " it was just a mistake '' is not what I wanted to hear.It is a very serious mistake and there should be consequences for this happening. 
I have absolutely no confidence that my personal information will remain confidential with the Bank of America secure borrower portal.I have no idea who is looking at it.I will forever be checking my credit report and very concerned about identity fraud in the future. 
My lawyer and I will hold Bank of America responsible for any fraudulent activities that take place as a consequence of this very unprofessional act.At this point I am not sure if I should continue with the process.

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 2016-06-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The ACH amount owed XXXX XXXX was wrongly paid to XXXX Bank of America and instead of being sent back to consumer it was transferred to XXXX XXXX after the cut-off date incurring a late fee and fines. I received several credits, but the debt kept appearing and the folks at Bank of America failed to respond to my phone complaints, Emails, and written communications to change the matter permanently. This debt is no longer owed to the debt buyer, XXXX XXXX, and the other debt buyer, XXXX Bank of America, formerly Bank of America 's XXXX accounts, since I am retired and on social security benefits under law. These debt buyers have no documents or signed agreement by me either and that is why they want me to provide them with the information. I refuse to do so because they have no right to it. This is a matter of increasing their revenues and increasing my liabilities with a negative report on the XXXX big consumer reporting agencies.

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 2016-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My Banking Accounts were suddenly frozen/closed by my Bank without NOTICE nor release of my cash/money within my accounts. 
I have checking, savings, ATM/Debt card, XXXX credit cards, and Bill Pay service. 
I also have Social Security Direct Deposit into my checking which they now have my money. 

All of which suddenly NOT allowing me to access my accounts/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 explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I have a forbearance on the debt until XX/XX/XXXX, with emails showing such, from the company. They are continually harassing my co-signer ( not me, oddly ) about payment on the loans. They provide the most absurd hoops to jump through in order to even contact them about it. The only email listed on the website is for a department called " XXXX, '' and any phone number goes to a machine which, shockingly, does not understand the command " stop harassing the cosigner, any more calls will be met with a lawsuit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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 had gotten a loan from XXXX XXXX around XXXX for my education. I started paying it monthly after graduating and getting a job. On XXXX/XXXX/XXXX after 11 years, I received an email from XXXX XXXX congratulating me on paying off my loans. All of a sudden I started getting Navient another company telling me I need to pay them. I called and spoke to XXXX XXXX with a gentleman by the name of XXXX on XXXX/XXXX/XXXX who was very rude and did not help out. So, I ended up calling XXXX XXXX again and noone would help assist me. So, on XXXX/XXXX/XXXX I sent an email to XXXX XXXX from XXXX XXXX who is the Customer Advocate, she emailed me back regarding receiving my email. However, I never heard back from her again. I called her back since she stated if I had any questions to call her and I left a message and never heard from at all. I have attached the email stating I have paid off my loan. I only needed the loan for XXXX quarters. My loan is completed I should not be getting charged still.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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: NJ

Complaint narrative:
My rent check ( {$1000.00} ) was bounced for insufficient funds in my Bank of America bank account, even thou i made a a check deposit for {$6600.00} before XXXX the day before as i was recommended by the bank 's representative. Now they Charged the check to my account and also at the same time a {$35.00} fee for check returned. If they knew the check had insufficient funds and charged a fee, why would they apply the amount of the check on my account balance, forcing my account to remain a day with an overdrawn balance?. 
After doing this, they place a hold on my bank account for {$6400.00} ( first {$4800.00} would be available on XXXX XXXX and {$1600.00} on the XXXX ). However, my complaint comes when i see XXXX different small charges ( like XXXX XXXX, or the grocery store ) that actually were prior the mentioned Check in red on my account, as the Bank of America Representative told me they would charge {$150.00} ( XXXX overdraw charge fee ) only on charges plus the {$35.00} charged already ( {$180.00} total ) my complain why do the bank knowing the check has no funds, is going to be bounced and even charge a fee for it, apply the check amount to my account forcing all other transactions to produce an overdraw fee?. They are obviously forcing my account to be overdraw so they can charge this outrageous amount of fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief