vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX the national credit reporting bureaus ( XXXX, XXXX and XXXX ) respectfully agreed to ament the process in which all medical debt collections are to be reported. There was no past collection experience grandfathered protected by these adjustments that were administered by the Consumer Financial Protection Bureau, and these changes were to be effective immediately in XX/XX/XXXX. Accordingly, I demand my rights under this mandate to be applied on a medical debt that was never given the opportunity for adjustment through insurance, or to me mitigated directly with the hospital where services were performed. There should be a deletion of these collections, a new request for payment sent to me, and if not rectified within thirty ( 30 ) days, then a six ( 6 ) month or 180-day timeline goes into effect before the collection can be reported. The hospital in question could release the debt through options it has with any trust or endowment it controls, or XXXX the write off to me at the referenced address I leave with this complaint. In any event, I am entitled to relief from collections by an outside source ( s ) until I am submitted a new statement from the hospital in question, and the abusive tactics of using XXXX separate collection agencies for the same account is not acceptable. This only means that my information such as my social security number is being floated through a debt pool, leaving me exposed to identity theft and a number of other problems. The collection must be deleted across the board on every credit bureau as mandated by the Consumer Financial Protection Bureau, and I must be protected with both my personal information as well as my rights administered by a federal agency procured under Dodd Frank XX/XX/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 2015-05-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I have a debt collection company calling my employer. I just reported XXXX company maybe a month ago and they stopped and clearly gave my information over to another company since they could no longer call my employer. I need this to stop permanently. I ca n't have these sorts of calls coming into my work office. My employer 's phone number is not my phone number, which means they 're knowingly contacting me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America made me a loan XXXX 2016 with 0 % interest for 18 months. They explained that I would not be charged interest on my purchases. Each month for 4 months I spoke with agents who assured me I would could pay off my purchases and not be charged interest. On XXXX XXXX I spoke with XXXX in the Arkansas office who informed me that I was misinformed for 4 months and that unless I pay off any credit charge on the SAME DAY of purchase I will accrue interest immediately.

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 2015-09-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
It is alleged that I co-signed a student loan for my son, XXXX XXXX XXXX in XXXX, 2005. I dispute the validity of that for the following reasons:1. At that time, I was judged XXXX by the XXXX Administration. All my affairs, including back accounts and financial decisions had to be approved by an administrator who was approved XXXX I did go with my son to the Texas XXXX XXXX XXXX XXXX and spoke with a financial person. I was not considered a valid financial participant by them. 
2. The signature is not mine. I am left handed, and whomever signed my name is a right handed person trying to write left handed. 
The XXXX, TX police took a report. They would not file charges because my trip with XXXX to the school was considered an indicator of my willingness to assist him. 
The XXXX. has ruled XXXX. 
Texas XXXX XXXX in XXXX, TX, will do anything including falsifying documents and lying to prospective students about job prospects in order to get guaranteed funds from the government. 
Can you assist in getting this removed from my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Boa has got to be the worse and most insensitive bank of all. They charge all these overdraft fees plus and extended fee. I have been with them for years and i also use direct deposit so why do they treat their customers like XXXX. I am a single mother and i cant afford to give any extra money to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint is related to previous complaint submitted on XX/XX/2016. Case # XXXX. Incorrect adjusted credit bureau reporting for the month of XX/XX/2016. All other months in XX/XX/2016 are reporting correctly, but the month of XX/XX/2016 is incorrectly reporting 60 days late. XX/XX/2016 should only be 30 days late.

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 2016-12-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a Bank of America XXXX card while purchasing airfare with XXXX. I was told that if my credit score was high enough I would be approved immediately and the benefits would apply immediately. The fact that there was a high annual fee was not noted unless you clicked on another link that I was told was there but I did not see. My credit score is around XXXX but I was not approved for the card so I did not receive the benefits. Then weeks later I was approved and given the {$75.00} fee. I complained but they refused to subtract the fee and cancel the card.

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 2016-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I was n't paying attend to the check book I wrote on XXXX I had it was a old account i went to the deposit machine in put the wrong check in by mistake cause the check book was in the same place as the new ones.This is a very problem to my business i need this handle in a timely matter. 
It was a mistake I can prove it, 'I will like to handle this without a lawyer

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 2016-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I received a corrected validation of debt notice from Selene Finance. This debt collector started contacting me by phone on XXXX XXXX. I have several calls contacting me during the day and during the night. When I asked them for additional information in regards to the debt that they were collecting, they were unable to give me an answer. After making a research in the XXXX XXXX records, I found that the property that served as a collateral of a loan that was included in my bankruptcy discharged was still under my name, despite the efforts of trying to giving the lender a deed in lieu. Notice that the lender at the time was not the current debt collector. Then i requested a debt validation to Selene Finance and the failed to submit XXXX. After many calls, i finally received a letter dated XXXX/XXXX/XXXX stating that they mailed a validation of debt on XXXX/XXXX/XXXX but they omitted some infromation and now they are sending a corrected validation of debt notice. After I review all this information, this debt collector is threting to sue me for the amount of the debt that they submitted on this notice. The reference debt is past due since XXXX/XXXX/XXXX per Selene Finance records and this debt was inclueded in a Bankruptcy discharged in XXXX. I have checked XXXX and confirmed that the status of limitation on this type of debt has expired and I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. This is a violation of the rules and regulations of the CFPB that strictly prohibit creditors and /or collector from attempting to sue a consumer over the time-barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 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: TX

Complaint narrative:
Attempting to release co-signer from loan. Primary loanee has met all stated requirements ( at least 12 months consecutive on-time payments ) for over 20 months. Each time request is made the lender rejects the request, finding new reasons to deny the the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account # XXXX at Bofa was charged a NSF fee on XXXX/XXXX/2016 for {$35.00} when I noticed on the account activity a merchant deposit being made the same day so I am not sure why the account was charged this fee. I believe there were enough funds in transit that should have been sufficient enough to take care of this fee. The Bank charged this fee unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-01 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: IL

Complaint narrative:
I have a federal Direct Consolidation loan, which is split into two parts - subsidized and unsubsidized. I am currently in a period of in-school deferment and the government pays the interest that accrues on the subsidized portion of the loan. I frequently make extra payments on the loan in order to pay it off sooner. The loan servicer ( Navient ) does not offer the option for me to specify when making online payments how I want those payments to be allocated. My preference is to make extra payments towards the unsubsidized balance, because making extra payments towards the unsubsidized balance, which accrues a higher daily interest amount, allows me to save money over the life of the loan. 
In order for my payments to be allocated as desired, I have to include special instructions each time I make a payment, and rely on the servicer to interpret those instructions correctly and to follow through in applying them. This puts an undue burden on me as the borrower. Often, the servicer does not obey the instructions and I have to follow up multiple times with phone calls and emails to have the issue fixed. 
The servicer ( Navient ) has repeatedly told me that I can not split my payments as desired, since it is a single consolidated loan. This is not true, however. My promissory note states " I may prepay any part of the unpaid balance on my loan at any time without penalty. '' There is nothing in my promissory note to indicate that I can not make separate payments towards the unsubsidized and subsidized balances. 
Providing inaccurate information, not applying payments in accordance with special instructions provided, and giving the impression that payments can not be specified separately for the unsubsidized portion of the balance and the subsidized portion of the balance deters borrowers from being able to make payments in such a way that will save them money over the life of the loan. It creates unnecessary obstacles for borrowers. 
The choice to allocate online payments in accordance with personal preference should be made available at the self-service level. It is irrelevant that a consolidation loan is considered a single loan. The loan is broken into two parts and those two parts are able to be paid separately. Principal amounts are calculated separately, interest accrues separately, and billing amounts are calculated separately. Not providing borrowers with a choice on how to allocate their payments creates a false impression that borrowers are unable to specify how their payments are made. This results in more money being paid by the borrower over the life of the loan.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have consistently been mislead and misinformed by Navient and it 's employees. Every time I have contacted Navient about my outrageous loan payment programs I have been given different and conflicting information from each person I speak to. Most recently, I attempted to change my student loan repayment plan in an effort to alleviate some of the interest payments and lower my overall final repayment amount. I was less concerned with lowering my monthly payment and was looking for a plan that I could still afford but that would actually help me be able to start chipping away at my principal payments and not just slowly paying interest, which was perpetually compounding. I spent over 15 hours on the phone ( spanning several days ) with Navient personnel and was given different information each time I spoke to someone. After countless efforts to pick the best plan for my situation, I was informed that Navient does n't really offer plans to help you pay down your loans, only to help you pay as little as possible each month. After finally hashing out the best plan ( out of all terrible options ) I was told that in order to switch plans, all of my outstanding interest would be compounded onto my principal, increasing my principal amount and forcing me to pay interest on what as previously interest when my new plan started. Faced with no other option, I followed all of the steps I was required to in order to change my plan, however, when I checked my statement a month or so later ( after the plan should have gone into effect ) I noticed that my plan had not changed. I called to fix the problem but I was told they could not apply the new plan retroactively, so I was still forced to incur the higher interest amounts on the loans for the time that my plan should have been changed and those interest amounts would still be added to my principal once the new plan actually went into effect, essentially forcing me to pay houndeds if not thousands of extra dollars over the life of the loan. This account is unfortunately one of many issues I have had with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This debt was paid dont owe need this off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Hello, I opened a checking account online with TD Bank ( This is the first and the only account with this bank ), the next day XXXX/XXXX/2016 I stopped by the branch in my town and made a check deposit for {$5000.00} to the account. 
Today is XXXX/XXXX/2016 and I still do n't see the money in my account even though it is showing that the money already been released from the other bank. 
what I see is only a {$100.00} available, when I logged in to my account on Sunday the XXXX/XXXX/2016 I saw they put ( Pending - {$9700.00} ) on the account, and when I called their customer service, the lady told me that they put a DOUBLE HOLDING on the amount of the check, and claimed it was a mistake, and took her around 20 minutes to fix that mistake. 
when I called their customer service on XXXX/XXXX/2016 they told me that they can hold the money up to 12 day, then I called again and spoke with a supervisor and she told me they can hold it up to 8 days. 
My concern is about all that process they doing with holding the money that long, is it legal? 
* The check amount is {$5000.00}. 
* The post a double holding on it. 
*It passed 3 days since the deposit date, and the supervisor told me that I need to wait 5 more days. 
*everyone in their office telling different info ( some saying they can hold it up to 12 days, other say up to 8 days ). 
If you can advice me what to in this case to protect my money, I will be thankful. 
Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 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: CO

Complaint narrative:
I am struggling to make my monthly payments on my private student loans. When I asked my servicer for help I was told my co signer makes too much money for me to be given a lower payment. I explained that my co signer will not be helping me, the lady was quite rude and said there is a difference between ca n't and wo n't help. She told me that technically my co signer can help and they wo n't lower my payments. Now I feel stuck. I want to pay on time and in full but I 'm struggling and the servicer seems so unwilling to work with me. Help!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
First reported to my bank an unauthorized transaction between merchant on XXXX/XXXX/16 for {$400.00}. Dispute : merchant ran my card on a unauthorized verbal a day before. Merchant was claiming transaction approval based on the days prior to services. Merchant did not fullfill my instructions and past services was still being worked/ discussed for over billing. First rebuttal between merchant was successful, however, metchant still overbilled and did not provide detailed information.No binding contract exists between merchant and I.They still ran payment without confirmed authorization on the day of transaction. 

Bank received rebuttal from merchant with XXXX pages plus of non-relavent documentation about the reported issue. My bank, Bank of America immediately reversed the credit provided previously which resulted in a negative {$480.00} in XXXX of my XXXX accounts. I then proceeded to call the claims department to provide me with the documents that the merchant submitted so I can appeal and send my rebuttal based on the exhibits the merchant provided. Bank of America claims department representative allegedly sent me the merchants documents via email for my review. However there was no sent documents. The representative still denied returning my credit until the claim was fully closed. 

I preceded to call and follow up the next few days and that claims rep. Did re-open the claim anf provided me my credit back. And she also added my notes on re-opening case and not receiving the documents promised. 

On XXXX/XXXX/16 BofA claims rep, XXXX XXXX left me a message to call back and ask for him, however I spent 2 occassions to reach him that day waiting over 30mins on hold. Due to working during the day I could not wait any longer. The following day, funds were taken out of a XXXX account. Giving me a $ XXXX again. 
Went on line to review the claim reasin. It still stated IN REVIEW, which was confusing because it was closed and a reverse was completed. 
The following Monday I reviewed a new notice which stated that I requested a withdrawal, which is not true. I called Bank of America claims department and spoke to another representative and they confirmed what tge noticed said and I corrected them by saying I did not request my claim to be closed. They notated my syated and said they would have claims researcher XXXX XXXX call me back the latest within 2 days. I never received a call and a request for a reverse credit was still denied. 

Unfortunately, Bank of America did not provide the documents promised for reviews and did not call back as promised. This situation is leaving my bank account in the negative and would like the bank to be responsible regardless now due to their errors and negligence.

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