vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My complaint is for Navient, and/or the former XXXX XXXX. I have student loans borrowed through the Department of Education, which Navient is now in control of. First, the customer assistance department at XXXX XXXX first took advantage of me by directing me to apply forebearances to my loans once they were in charge of my loans. Second, I have always been on time when applying for deferments ( or forebearances ). However, on one occasion I received a default status on this loan that was reported on my credit report. After calling XXXX XXXX, they admitted I was on time in filing for a deferment, but their processing department did n't process it in time. They continued to tell me that there was no way for them to remove the default status from my loans, and no way to remove it from my credit report. Third, after reviewing my credit report at a later time, I noticed they applied a second default status to my loan and credit report one year later at the same month for the same duration period. So there is an exact duplicate default report two years in a row for a mistake, which they even admitted fault for. I submitted complaints to Navient on different occasions and with the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: FL

Complaint narrative:
Within 120 days of the Effective Date, not call a particular phone number related to an account if any person has requested, orally or in writing, that DriveTime XXXX stop calling such number or has stated, orally or in writing, that the consumer that DriveTime XXXX is trying to contact can not be reached at that number ; Must not communicate with any person including references. Requested to do so by the person after the account has become delinquent or DriveTime XXXX reasonably believes that the earlier response of such person is erroneous or incomplete and such person now has correct or complete location information ; and DriveTime XXXX has not had contact ( meaning outbound call with right party contact or inbound call, email, or letter ) with the consumer in 30days or more. Must not communicate with third parties, including references, after the third parties have requested, orally or in writing, that DriveTime XXXX not communicate with them must take the following affirmative actions within the time periods provided : Within 30 days of the Effective Date, not adopt and implement reasonable policies and procedures to prevent communications that would be violation damages to the accountholders. Must not communicate with consumers at their workplaces if consumers have requested that DriveTime XXXX not communicate with them at their workplaces fully aware DriveTime XXXX knows that the consumers ' employers prohibit communications to their workplaces XXXX of FL adhere no personal use company 's property business lines, fax, copier, email and computer system etc.. 

The written consumer information furnishing policies and procedures that Furnisher Rule in compliance effective date cease furnishing information related to a voluntary or involuntary repossession verified the information is falsehood written that must be permanently block the refurnishing of the inaccurate information the accountholder motion name XXXX instance that Motion Consent Order requires the Board to ensure adherence to, or undertake to perform, certain obligations of DriveTime XXXX, the Board must : a. Authorize whatever actions are necessary for DriveTime XXXX to fully comply Motion with the Consent Order ; Require timely reporting by management to the Board on the status of compliance obligations ; Require timely and appropriate corrective action to remedy any material non-compliance with any Board directives related to this Section and more.

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 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Navient in the hopes of having a 90 day late payment removed from the account ( dated XX/XX/XXXX according to the various CRA ). After speaking with XXXX XXXX, I was assured that she would get down to the issue, but that " Navient is not in the habit of removing late payments from the CRA. '' On XX/XX/XXXX, I received email correspondence from Navient via XXXX XXXX confirming exactly what she had said. The letter, which is attached, stated that " I received Administrative Forebearance on XX/XX/XXXX that was applied to my account retroactively from XXXX XXXX, XXXX to XXXX XXXX, XXXX. Our records indicate that your loans were reported delinquent to the credit bureaus XX/XX/XXXX. Although the forbearance did resolve your past-due status, the delinquency reporting that you 're requesting to be removed occurred prior to your request for forbearance and was accurately reported. '' If my forbearance was from XX/XX/XXXX to XX/XX/XXXX, is XX/XX/XXXX also not covered in this forbearance period? I have several accounts with Navient, totaling more than {$75000.00} ; some of which were transferred to them from XXXX XXXX. I am now very weary that any of the information is correct or being reported correctly. Not to mention the fact that they are great at not providing timely information when it was time to renew my Income-Based Repayment Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Colony Brands, Inc.
State: OK

Complaint narrative:
Seventh ave is trying to collect on a debt that belongs to my father with the same name it has been listing on my credit and destroying my credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-09-02 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: MD

Complaint narrative:
Bank of America charged a {$35.00} fee on a cash transfer -when there were available funds-, causing my account to drop into the negative. After contacting BoA, they admitted that yes, they applied this fee to a cash transfer when there were available funds, yet refused to return the fee. I went to management, and filed a claim through their process which they then denied. I have a copy of the online chat with their representatives and a screen capture of the charges applied to my account. I do not understand how this is not flat out stealing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America reports a debt that was discharged in Bankruptcy as having a balance, as being charged-off, and as being past due. 

Various courts have held that reporting a discharged debt as a charge off is advantageous to the bank because it can keep the debt on its books and makes the overall portfolio more valuable.

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 2016-03-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I went into Bank of America to transfer my IRA from XXXX XXXX to Merrill Lynch. 
Silly me. 
The account was opened using my Social Security Number but in the wrong name, " XXXX ''. VERY SCARY. How do they ( XXXX ) get away with this level of incompetence? 
See the attached letter from Merrill Edge. 
For the record, my name is " XXXX ''!!! 
I have talked to Bank of America, Merrill Lynch and Merrill Edge 9 or 10 times so far, to stop sending me correspondence in the WRONG NAME. Each customer service person is very nice and their claim, " I can fix this for you! ". LIARS The computer still sends out notices in the wrong name despite my many calls to them to STOP sending mail in the wrong name! 
HOW CAN WE GET MERRILL TO STOP, FIX OR ELIMINATE THIS SITUATION THAT THEIR INCOMPETANCE CREATED?

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 2015-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I 'm not sure what debt he was calling about, but someone named XXXX calling from XXXX called the secretary 's office at my work, tried to get my personal phone number, and left a message saying he was a creditor and that he needed me to call him back immediately. He also left an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I am writing this complaint due to the billing practice American Express XXXX. Well I was glad to apply and get accepted for a credit limit of {$3000.00} ( on XXXX 2015 ). However few weeks after acceptance I started to receive a bill of the amount {$450.00} urging me pay now in order of avoid late fee charges. I was surprised because I have not even activated the card at the moment. I was concerned, so I called customer service requesting a clarification regarding the bill. I was told that was an annual fee ( and membership card ). After that conversation, I attempted to purchase a set of furniture on XXXX but decided to cancel the order later on. On the of XXXX XXXX 2015, I used the card to purchase gas for my car. And on XXXX XXXX, 2015 I received an email from American Express, stressing that my card has been canceled because after their analysis and observation, I am a risk. But they are requesting I pay {$480.00} even though they have canceled my card. So, I think that I should not pay the {$450.00} due to the fact I did not have to opportunity to enjoy the membership. I should only pay the gas bill ( {$37.00} ) since they decided to cancel the membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 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: NH

Complaint narrative:
I have been trying to work with Navient about lowering my students loans for months now. I have called and faxed documents to my advocate their with proof that I do not have enough to pay the full amount of the loan but need to lower the payments. They requested my mothers expenses which I provided as well proving we do not have the full amount and can not afford the full payment asking for them to help. They have refused to help me, they denied my claims and said I need to figure out a way to get the money. I was told to get a second job or ask family and friends to help pay my loans. I have filed a complaint with the Attorney General of NH and I have not got anywhere. I want to pay my loans but I am asking them to reduce the rates but they will not help me out at all. I have done everything they asked but I am at a loss now. I have been threatened, harassed by them several times a day and my mother has also. I need help with this and can not get anywhere with Navient. I have documents to prove/backup everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CL Holdings LLC
State: MO

Complaint narrative:
I recieve a call from Jefferson Capital Systems threatening to have me arrested and other legal actions for a debt that I am not certain is even mine. I requested proof of the debt and recieved nothing, they left more threatening voicemails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wilber and Associates, P.C.
State: WA

Complaint narrative:
Wilber & Associates received this case from XXXX, whom I had already provided documentation from WA State of title transfer for the vehicle involved in this case on a date well-prior to the claim date. This correspondence in its very existence is harassment since XXXX should have not passed my information on to an additional collection agency. Additionally, the language in the letter is threatening in that Wilber & Associates alleges that they " are attempting to resolve this matter in an amicable fashion '' however the options listed for responding only include 1. payment and 2. providing insurance coverage information and do not include an option for disputing that I am responsible for the debt being collected.

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 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I feel like I was put into forebearance and i did not even know that it would be less costly to pay on income driven repayment plan. No one even mentioned it and now my loans have accrued so much interest. No one even told me about options they just suggested forebearance. I feel like we should be able to trust people working there to have our best interest in mind. We are calling you because we need help. Help us not hinder us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am experiencing financial difficulties repaying my loans due to my husband also having student loans. I was approved for deferment prior and now I have XXXX Income Contingent DL - Consolidated loans. I was not given any options. I attended XXXX XXXX XXXX, XXXX, TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
We were approved for a Repayment Plan in XXXX and sent the Acceptance Form on XXXX/XXXX/15. Our first payment was due on XXXX/XXXX/15 in the amount of {$1000.00} which we paid on XXXX/XXXX/15 via payment over the phone with a Chase Bank representative. We made the 2nd payment of {$1200.00} on XXXX/XXXX/15. On XXXX XXXX, 2015 we received an Acceleration Warning XXXX Notice of Intent to Foreclose XXXX letter in the mail. I contacted Chase and they stated that they Repayment Plan had been canceled as they had not received the Acceptance Form. I advised that we did sign that and fax it back to them. They stated that there was nothing that they could do and I would have to apply again. I requested to speak with a Supervisor, at this point I was transfered to XXXX XXXX who went over the same information with me and stated that she would see if they could reopen the Repayment Plan and asked me to fax the form that I had signed and sent to them in XXXX XXXX I refaxed this to them on XXXX/XXXX/15 ). I then received a call from XXXX on XXXX/XXXX/15 stating that she had discussed this with the managment in charge of the repayment plan and they stated that it could not be reopened and that we would need to go through the process again. XXXX also stated that the Acceptance Form that I had sent back was not the document that they were looking for, I advised her that this is the only document that I received that had to be sent back and had made the first 2 payments and when I made these payments via phone with their representatives nobody told me that they were missing another form. Obviously if I was making the payments I would have sent the document that they wanted back, therefore I must not have received it. I asked if I could have a copy of the document that was supposed to be signed and sent back. I was told that I could not have a copy of it. How can I validate that I did or did not receive the document if I do not know what it looks like??? I was asked if she could have her Manager call me back and I was advised that Managers do not call customer 's back and that I would have to be transferred to the Executive office ( I have talked with someone in the executive office in the past and they were not helpful at all ). They always place the duty onto someone else and it is a vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Ref : Car Ref This is the XXXX 4 times bank of America refused to give me credit ; I Had been trying to reestablished an account with Bank of America and it has keep denying me for either credit cards or bank loan.. I had apply with other loan and card companies and got approved .. I do not understand why bank of America is discriminating me since my property foreclose was canceled by the court. Bank of America is refusing or helping me to reestablished my credit that I already had. I hold other account with max credit of {$6000.00} in good standing and my credit score is XXXX approx. But i do not understand why bank of America is refusing to give credit. I feel discriminated by Bank of America. Please Help

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: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
When trying to make a payment or get in contact with someone it is nearly impossible. The past two years Navient has not posted my payment to my account on time and it has been reported to the credit bureaus as being late or not received at all. They will then proceed to call and harass me for payment. Navient has beyond damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America sent me a false email and stating that I did not pay my mortgage for XXXX 2015. I paid my mortgage and called them and the refused to mail me a written receipt. 
Please have Bank of America sent me a written receipt for my XXXX 2015 payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Loans are duplicated on my credit report. Report shows I have XXXX student loans. I have XXXX originating from XX/XX/XXXX through XX/XX/XXXX when I graduated. The loans originated with the Dept of Ed and transferred to XXXX XXXX and then to Navient. XXXX loans reported 3 times. XXXX entry states that the balance is {$75000.00} which is inaccurate. The loans are separate. I am in the process of filing disputes with credit bureau. Also, once the loans transferred to Navient XX/XX/XXXX, I was told my first payment date was XX/XX/XXXX. I filed paperwork for a renewal of my income based repayment plan. My payment was {$80.00} a month. Though I was not scheduled for payment, Navient attempted several times to deduct the full regular payment of {$470.00} from my bank account. When I contacted Navient, I was told it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX XXXX, 2015, I took out {$100.00} from a private ATM and accepted an additional {$10.00} service charge. I was shortly notified by Bank of America via text I had overdrawn my account and incurred multiple {$35.00} overdraft fees. After investigating my transactions I found that the ATM or private vendor had charged my checking account 7 extra times, accruing a total of {$880.00} with no cash distributed. I spoke with the owners of the establishment and they told me to take it up with my bank. I posted a complaint to Bank of America and they immediately credited my account with the {$880.00}. On XXXX XXXX, 2015 the Bank informed me that they had found no evidence of fraud or issues and debited my account the {$880.00} and also not reimbursing the overdraft fee. After contacting the private establishment of the ATM again, stating I never requested that amount nor received the cash from the digitally claimed transactions. They informed me it was not their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 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: AZ

Complaint narrative:
The reporting agency never sent me any kind of correspondence to make me aware of any debts owed.The reporting agency did not report the debt correctly altering date debts and amounts.

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