vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Allgate Financial, LLC
State: CA

Complaint narrative:
I have lived at this address for 24 years and had my telephone number as long. 

AllGate Financial , LLC of Illinois is trying to collect a debt from an person unknown to me, named XXXX (? ) XXXX. 

Per AllGate instructions, I have contacted then telling them I am not the person they seek and the calls continue, several times a week. 

My number is on the " Do Not Call list '' and I have no business relationship with AllGate Financial I wish to log a formal complaint against AllGate Financial LLC for their continuing calls, even after being advised by me that my telephone number is not affiliated with whom they are seeking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: DC

Complaint narrative:
After leaving from XXXX, my payments for both XXXX and Navient began to kick in. At the time I was making an annual salary of {$47000.00} and living away from home, in XXXX I took the time to calculate my cost of living which included my rent, groceries, public transportation to work, and monthly loan payments to several lenders ( XXXX XXXX, XXXX XXXX, XXXX XXXX, and Navient ). After reaching out to Navient to try to lower my monthly payments, since I would rarely have enough money to eat after paying, I was told unless both my consigner and I could not afford it my only choice was a forbearance. Being that my father is my consigner and I did not want to burden him with my payments. The way the forbearance was communicated by the Navient telecommunications person was very misguided. He made it seem as if it was a small grace period that the company allowed for their customers in order for the customers to find some other alternative if they could not afford said payments. There was never any mention that by accepting forbearance you penalize yourself for at least 12 months without any chance of being able to refinance your loans with another party. This is just one example of what this company has done to prolong my time in debt to them. They are constantly penalizing me with interest payments that I do n't understand. Until now I still can not make payments on time since my salary simply does not allow for it. Unless I was to starve myself or walk an hour to work everyday I will never be able to afford these payments. My life has become full of XXXX because of companies like Navient and XXXX XXXX. I look forward to the day I can refinance with another more trustworthy institution. No one should have to live this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
When I had been complaining to BOFA earlier this year they send me paper asking to file this complain in writing. I went to my bank the main brunch and asked for the forms to file complain. The associate told me it is no special forms and she will help me in communication to credit card division management. She did and she told me it is no need to file the formal complaint anymore since the complain was went into desired division. All I need is to wait for the answer on my request. So that, I did not send the annual amount because I was waiting for investigation and answer. Soon I had received the reminder from Credit Card division asking to proceed the payment. I call and explain to associate I am in complain and waiting for an answer. I was asked if I can pay any amount now. I was agree to pay {$50.00}. However, the bank start to charge me the late fee and increase payments percentage. This was not what I should inspect accordingly the bank associate which had helped me by mediating. I can not increase my monthly payment up to level of new demand and my debt is increasing every month since then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Attempting to reduce my monthly payment with BOA for XXXX. Have been denied for too much income, insufficient income, or product is not eligible. Will not allow my son to sign with me because he does not live with me. They approved be for a short sale or foreclosure. Not an avenue that I want to explore. I have never been late on my payment. 
They are now going me to see if I will be able to make the payment or should they start foreclosure. BOA rep indicated she will be going me monthly prior to my payment to check if I will be able to make my payment, harassment comes to mind. 
Lastly, they will not give supervisor 's number that will accept cell phone calls and will not provide office addresses. Both of these items are required by the legal community to join a class action suit or to begin an individual suit. 
Looking to you for guidance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have been attempting to have late payments removed from credit reporting for about 6 months now with Bank of America. in XXXX and all of XXXX, i was facing financial hardships due to under-employment and fell behind on my mortgage payments. I was able to reach an agreement with this servicer to help me modify my mortgage and i have been back on track with my payments for about 18 months. 
I have asked through a third party that the late payments be removed from my credit reporting many times with no avail. 
I am reaching out today for help because these late payments are creating a new financial hardship on me in the sense of higher interest rates with school loans and credit cards as well as higher insurance premium with a clean record and a low crime area. The late payments that are attached to me are hurting me and my family and enriching lenders and insurance companies. Even though i am able to save my house and i have made great stride is my credit worthiness status, i find myself still catching up on my finances. 
thank you for any help you can provide 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 2016-10-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has had ample time to consider my complete as received Request for Mortgage Assistance ( RMA ) application package of XXXX XXXX. 
Bank of America, their representatives, and servicer can not record an NOD, an NTS, or conduct a sale while the application is pending per California Civil Code ( XXXX ( c ) ) and, if application is denied, until 31 days after providing borrower with a written denial per California Civil Code XXXX ( XXXX ) ( XXXX ). 
While there is no consistent or well established Bank of America deadline for borrower 's to submit an RMA application, I submitted a complete RMA application package and all other Bank of America requested documents on and before XXXX XXXX, XXXX without delay. 
Bank of America has decided not to provide a written determination to the XXXX XXXX RMA from the Bank of America Appeals Department to date. While there seems not to be any Bank of America deadline for servicer 's application evaluation and no established deadline to process an appeal, it does n't take over four years to come to a decision and issue a written determination and direction unless the bank has decided to park and stall the modification process indefinitely. However, this park and stall tactic is at odds and inconsistent with the recent efforts to collect on this home loan mortgage account. 
Bank of America, their representatives, and the servicer may not record an NOD, NTS, or conduct a sale until the later of : 1 ) 15 days after the appeal is denied ; or 2 ) 14 days after modification is offered. 
As a borrower must accept an offered modification within 14 days or offer is considered rejected per California Civil Code XXXX ( XXXX ) ( XXXX ), the same standard is to be placed upon the bank and servicer. Since Bank of America has declined to timely process a complete RMA so as to complete the modification process, Bank of America and their representatives and servicer forfeit rights to decline an evaluation, issue a written denial, and foreclose. 
Bank of America has not offered a MHA HAMP TPP based on the XXXX XXXX RMA before or after XXXX XXXX. Thus, I have never rejected a modification in accordance with California Civil Code XXXX ( XXXX ) ( XXXX ) because I have had no option and opportunity to accept or reject a modification timely presented to me by Bank of Americ based on my XXXX XXXX RMA.

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 2016-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
got a student loan XX/XX/XXXX never graduated but XXXX sent certificate anyway the loan was for XXXX moved around a lot but finally tracked down. i paid when i could and when i could not they snatched my and my husbands federal and state taxes which totaled over XXXX dollars.then XXXX sold the contract to navient and i still owe XXXX dollares now navient is going to garnish my wages again thank you for any help you can give me XXXX. XXXX. the school was computer processing institute in XXXX ct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 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: WA

Complaint narrative:
To whom it may concern, My situation, like so many others, seems hopeless and endless in dealing with Navient Student Loan company. Over the years, I have attempted to repay student loan debt only to find myself with more fines, more interest, and rising monthly payments beyond my ability to meet. I finally in desperation contacted the student loan ombudsman group who helped me in determining that Navient had arbitrarily doubled my student loan debt through a fraudulent student loan consolidation program. Upon attempting to resolve this issue with Navient, I have been met with outrageous bills, increasing interest and penalties, and gotten no further in attempting to resolve the issue. My credit has been destroyed, and financially I survive month to month. I am a XXXX American with XXXX ; I work as hard as I can, do not receive XXXX benefits from the federal government, and contribute at the level I am able given my limitations. I need advocacy in order to financially survive and find some way to escape the unethical and abusive practices of the student loan company, Navient. I hopee that you would please help me in my pursuit to become debt free and feel like I can live a normal life without the threat of financial ruin day to day. Can you help me? 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was trying to open up a bank account at a bank they told me they could n't open it due to the XXXX so I stated ok i will wait for the letter in the mail. The letter stated that i owe banks money and i could n't open the account until i payed them off. I told them i was a victim of Identity theft and that my name was used in opening accounts in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I continue to receive email notification that a new loan has been financed by this company. When I replied via email to this company and asked when this loan was financed and that they provide me with the documents because I am a victim of identity theft, they bounced my email off at their customer service counter and will not reply. 
I am calling this company today to see if they need a voice to connect to the complaint and maybe they 'll be more responsive. 
Additionally, they have asked that I pay upon this loan beginning next month at the rate of {$210.00} and yet they will not provide me with the particulars of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
XXXX XXXX nor Navient ever offered or explained all payment options never once mention income based repayment leaving me with higher balance more intrest how can i renogiate for retroactive income based payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Mortgage Account XXXX was incurred as part of a normal 80/20 mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence in XX/XX/XXXX, which was located at XXXX XXXX Ct XXXX XXXX, CA XXXX. The property was foreclosed upon in XX/XX/XXXX. This was not an equity line of credit and it was not a refinance and, being " purchase money '', this debt is protected from collection pursuant to California Code of Civil Procedure, section 580b. However, Bank off America pursued this debt through the use of XXXX collection agencies ( XXXX XXXX and XXXX ) - see attached letters. When we responded to these claims and requested proof of the debt owed to be provided within 10 days ( see attached letter to BofA ) we were not contacted by BofA or its representatives further. Proof of any debt to BofA was never provided. Since that time, BofA has posted a charge-off amount of {$4700.00} related to this account ( # XXXX ) on our credit file. I have contacted BofA numerous times to find out what this charged-off amount is, proof of it being owed, and, if proven to be owed, a mechanism for settling the debt should be provided. Bank of America has been unwilling to provide proof of this debt or any mechanism to settle it. The statute of limitations in California ( 4 years ) has expired on this charged-off balance and Bank of America has no recourse to the debt they claim I owe. No proof of this debt has been provided which is in direct violation of the Fair Credit Reporting Act. I believe that Bank of America has fraudulently placed this charge-off in my credit file for the sole purpose of damaging my good credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
I received a letter from Syndicated Office Systems that has my signature forged on it. The letter presumably is suppose to be from myself to the company. The letter origin is from XXXX Pa when I live in XXXX Pa. I have never heard of this company nor have I ever been contacted by them prior to seeing this letter. I want to know what steps can I take to investigate and prosecute this to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: NJ

Complaint narrative:
I have a Student Loan through XXXX XXXX which later sold my loan to Navient. Both companies saw that I was paying extra towards my monthly statements I did so with the intentions to pay off my loan quicker. They never allocated my extra money toward my principal and It never reflected in my current balance.I noticed that my balance had never seemed to move when I started paying down on my loan XX/XX/XXXX/XX/XX/XXXX, to this current date. Navient took my extra payments and put them towards a pay ahead schedule, I was never told about ta pay ahead program. When I called into Navient about why my balance due kept changing and sometime said that I owed NOTHING, that was when a rep told me that I was paying ahead so I was months over paid on my account. I asked her ; how can I get Navient to put my extra money towards my principal ... I was told to write a letter and tell them and continue to pay online. It made no sense at all how would the letter arrive the same time as my online payment, needless to say no response and no extra money reflected in my balance. When I contacted a costumer representative they could not explain to me why they were doing that and they claimed they could not access my records to show all of my extra payment. Before Navient took my loan I had the same issues with XXXX XXXX, they saw my extra payments and when I contacted a costumer representative, they too also told me they could not see my records and go back " that far ''. I also had contacted a costumer representative several times when my husband noticed that they ARE NOT calculating my interest properly. Not XXXX put of the XXXX people I spoke to could explain to me how they calculated my interest each month, with that said, that is why my balance also dose not show my accurate balance due. XXXX XXXX saw that I had paid them extra money to defer my loan, when I graduated I was XXXX and did not start work right away, NO ONE gave me any other options than to deffer my loan, no one told me, it would still accrue interest either. When I saw that I was not getting through to anyone and no one was going to help me, I stopped paying extra towards my loan and I 'm currently paying the min balance due. As of today XX/XX/XXXX my balance still dose not reflect the extra XXXX that they have from me, extra I was putting towards my balance due!!!!. My family and personal life has suffered greatly, because I had prep and planned to had been done paying them off, to stay at home and raise my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
The student loan servicer Navient placed a remark on all XXXX of my credit bureau reports that my student loans are in deferment. This remark dropped by XXXX score XXXX points and my XXXX score XXXX points. This is the first time ever seeing this remark placed on any of my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have a lot of fraudulent inquiries that are not mine on my credit report with Transunion. I 've addressed this issue with transunion when I sent them letters about the inquiries as well as other accounts on my report that do n't belong. All of the inquiries were removed from my report and then reinserted without a 5 days notice which is an FCRA Violation. I 've reached out to them on numerous occasions and the representatives would tell me I have an extended file. They stated sometimes it will show no inquiries depending on while file being reported. This is against the law and I want these inquiries removed.

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 2017-01-18 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: IL

Complaint narrative:
When I transfered jobs to the public sector, I called XXXX/Navient to see about Public Service Loan Forgiveness. I was n't sure if my loans qualified and if my job would qualify. After a few frustrating phone calls in 2013, I never received complete information. I was told I could consolidate my loans and then " see '' if my job qualified. It was posed to me as if it were a gamble. I wanted a definitive answer before going through the process of consolidating my loans and possibly having a higher interest rate overall. Unfortunately, I had to go through several people who were not affiliated with Navient to find out that I did qualify, and that I should consolidate my loans. The process was NOT easy. I am in XXXX, so I was able to find a counselor on campus who could help me. This is not his job. He is my colleague, not my financial planner. It is Navient 's job to train their employees well enough to answer these types of questions for " customers '' or students. Other borrowers are not fortunate enough to have resources and information at their disposal. I lost out on almost 3 years of PSLF because of the run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: NJ

Complaint narrative:
I was never notified interest will accrue on loans when I was in school. That interest accrued and capitalized. I have been paying loans back since 2009 ( approx. $ XXXX/month ) and I have not even hit the principal on my private loans. I was talked into a forbearance a few times although it was not a good move for me because again the interest accrued. There were many many times when I pulled my statement and it showed {$1.00} went towards principal and the remainder of the payment went towards interest. At this rate I will pay back over {>= $1,000,000} for college because of these guys and how they apply my payments! They are all rude and they are all XXXX.

Company response to consumer: Closed with explanation