vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Calvery Portfolio purchased account # XXXX from XXXX XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. Calvery Portfolio changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called Cavalry spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
This relates to case # XXXX. Bank of America escrows the money for homeowners insurance on my property in XXXX, NJ. I filed the first complaint when BoA refused to pay the invoice to renew the policy. They finally did so, several months late. This resulted in a gap in coverage, for which they billed _me_. They deducted {$99.00} from my escrow account on XXXX/XXXX/2016 to pay for ( retroactive ) insurance covering the gap when Bank of America failed to renew the policy. They did this despite sending me two letters that said I would not be charged because BoA was responsible for the insurance payment, and multiple verbal assurances from various BoA representatives that the matter was closed. They have not responded substantively to my voicemails ( for XXXX, a supervisor in the Insurance Department ) or customer service messages requesting a refund. This is a blatant example of a big institution abusing a customer, and refusing to engage to correct the error.

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 2016-03-20 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: TX

Complaint narrative:
I applied and received an income-driven payment plan for my student loans, which should have applied to all of them ... the adjusted payment should currently be {$0.00} ... Navient is trying to charge me {$200.00} per month still

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 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: NC

Complaint narrative:
I took out student loans with XXXX XXXX financial to help cover my college tuition. 
The loans were later converted to Navient. After repaying on the loans for over XXXX years I saved enough to pay off the account. In order to ensure that the payment was handled properly I called their customer support line and their agent informed me of the payoff amount as of that day and that it could take up to XXXX days for the account to show paid in full. I made the payment at that time per their instructions for the posted amount. 
After XXXX days I have now been informed that they will not show the account as paid in full for up to another XXXX days for the account to show as paid in full. Please note, they changed the terms of their agreement XXXX days after the payment was posted and now claim they have up to XXXX days to show an account as paid in full. 
The loans in question were for XXXX University and the University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: MN

Complaint narrative:
I have an unfair negative factor towards my credit on my credit reports reported by CBE group. The information below for " Negative Factors of my credit '', indicates a collection agency CBE Group indicated in XXXX date filed or first reported and the date last reported was on XXXX as a negative factor towards my credit report. This is is false information and I 'm disputing it. 

The only payment dispute I had was in XXXX. Back then, I had discontinued a portion of my XXXX services that involves XXXX. I paid in full through XXXX for discontinuing the XXXX service XXXX that was offered through XXXX 's advertisement and payment through XXXX 's billing. XXXX came back to bully me for an additional {$250.00} to be paid to them while XXXX indicated as far as they were concerned I was paid in full. Prior to this, I had only had communication with XXXX for this TV satellite service and XXXX refused to correct XXXX. I then refused to additionally pay XXXX the {$250.00} and XXXX has haunted me since via various collection agencies attempts originated by them since XXXX. 

Now this new credit issue on my record ( see below ) indicates a new development in XXXX is absolutely false. If this new dispute of XXXX has originated by my past dispute with XXXX then it 's time for them to stop harassing me via by falsifying information as an attempt to lower my credit rating. I suspect there has to be a law that makes this criminal business practices or at the very least extreme negligence by XXXX whose joint venture with XXXX while both were acting as XXXX entity under XXXX advertising and billing. 

__________ ( info from credit report ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NEGATIVE FACTORS Your most recent collection account is 1 year and 3 months old. This only includes accounts from external ( third-party ) collection agencies. 
REFERENCE NUMBER INSTITUTION DATE FILED OR FIRST REPORTED COMMENT DATE LAST REPORTED XXXX CBE GROUP XXXX XXXX More Information Having a collection account reported in the recent past is considered negative, and the more recently this occurred, the larger the impact. However, your score can get better over time, as long as no other collection accounts are added to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Also violating FDCPA by reporting a closed account as " open '' thereby negatively impacting my credit score. Firm refuses to remove inaccurate offending data reporting from my credit file after repeated communications form me demanding same.

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 2017-02-05 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: CT

Complaint narrative:
After paying my loan for many years I became XXXX. Navient contacted me informing me that my payment has now almost doubled. I explained to Navient that the amount is too high and I am not able to work more to gain extra income to no avail. I offered medical documentation to no avail. I am now behind in my loan and Navient is destroying my credit rating making my life even harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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: MD

Complaint narrative:
In 2005, I refinanced my student loan through XXXX XXXX to a 15-year term. I have made consistent payments and I kept my account when XXXX XXXX split off into Navient. Yesterday, I received notice from Navient that the balance on my loan had been re-amortized for an additional 8 years. I immediately called Navient. The representative stated that new federal regulations required that the loan be extended, and that they just had not had the time to notify all of its consumers. Is this true? Are there new federal regulations that restrict the repayment terms of a federal student loan? Can Navient restructure my loan terms without my consent?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I am a housing and credit XXXX with XXXX, XXXX XXXX. I am assisting XXXX XXXX in working on his delinquentmortgage. It began with XXXX, XXXX and XXXX then transferred'to Bank of America XXXX XXXX XXXX XXXX This is an FHA loan and itoriginated with XXXX, XXXX and XXXX. Over the past 9 yearsXXXX. XXXX has sought legal assistance on helping him with thisdelinquent mortgage. He has not made a mortgage payment duringthis time but not from lack of trying. He has spent much money onattorney fees in trying to get different options on his FHA loan. 

In XXXX 2014, XXXX XXXX signed deed in lieu documents with Bank ofAmerica. This year, he received his cancellation of debt from Bank ofAmerica from XXXX XXXX, 2014. 

Unfortunately, in XXXX 2014, servicing switched to XXXX XXXX. 
The Deed In Lieu had never been recorded. His FHA case number isstill open. 

This is stopping XXXX XXXX from obtaining future loans - from the openFHA case number. He 's been working towards resolution and finallydecided on the Deed In Lieu and it still has not been recorded. Theproperty is still in his name. XXXX XXXX is going to try to get XXXX XXXX to cancel the " cancellation '' thus again starting the countdown on closing out the FHA case number and further financingfor XXXX XXXX. 
The resolution is not helping XXXX XXXX and his family of XXXX find affordablehousing. He is renting but has cleaned up his credit report and wants tobuy a house again. Long story. BUT the loan is still NOT out of hisname and the house that he moved out of in XXXX 2014 is still in hisname. Just does n't seem right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have n't use my card in days first I was overdraft XXXX than XXXX now XXXX, this bank is n't a honest bank at all, I had to take off my direct deposit so they can stop taking my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America sent me foreclosure notices and foreclosed on my property without giving proper notice. I filed Chapter XXXX Bankruptcy. XXXX, XXXX to stop the foreclosure. I was in a active Bankruptcy when notice of the foreclosure sale was given.The Bankruptcy was dismissed XXXX XXXX, XXXX and my property was foreclosed on XXXX XXXX, XXXX. 
My understanding of the Tennessee Bankruptcy laws is while I was in the Bankruptcy I was protected by a Federal Bankruptcy stay and the foreclosure process never should have started. The Foreclosure attorneys for Bank of America and Bank Of America proceeded with foreclosure even though I was under Bankruptcy protection. I do know i was suppose to receive notice of intent of the property sale after my Bankruptcy was dismissed. I want the the foreclosure rescinded and the deed reinstated. I 'm prepared to file a lawsuit if necessary for damages and to get my home back..

Company public response: Company 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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient also does not allow borrowers like myself to autopay more on their loans. I have complained to them before but have never received a response. You can only pay the minimum amount which also benefits them over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: GA

Complaint narrative:
I am a cosigner on my daughter 's student loans. As outlined in the pending suites we have been victimized by Navient 's unfair, deceptive and predatory business practices. On numerous occasions Navient has not been helpful in trying to resolve issues and, as noted in the various government complaints, tried to steered us into more costly forbearance. There have also been instances where monies have been misapplied to loans. I have been trying to work out a plan of action to get current with Navient but have encountered resistance at each turn. I also feel i have been outright lied to concerning information on payment postings.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America completed a loan modification ( under the National Mortgage Settlement agreement - NMS ) on our XXXX mortgage around XXXX XXXX ( loan XXXX ). When we began the process of modifying the XXXX loan, we consistently inquired verbally and by email about modifying the XXXX loan ( XXXX ) which was and still remains with Bank of America. Our concern was that we would still be under water if the XXXX remained on the property. This worried us and was a key point that was communicated many times during the XXXX loan mod process ( we have emails on record ). We were told repeatedly by BofA employees that the XXXX would be extinguished after the XXXX loan was modified. Our recent research shows that under the NMS, BofA would have to extinguish their XXXX lien if the XXXX was successfully modified. We were pushed off repeatedly through the trial period with the same excuse that the XXXX would be addressed after the XXXX was completed. After our trial period, a BofA employee told us verbally that the second lien had been " sold '' and that they could no longer honor any extinguishment. Since then we have discovered that this was a lie. BofA has always held the note on the XXXX but failed repeatedly to take any actions to extinguish or modify the XXXX. In fact, they were completely unresponsive to our requests saying that the XXXX had been re-assigned/sold to their Servicer, XXXX XXXX XXXX ( XXXX ). XXXX has always denied that they 've ever owned the XXXX but that the note has always been held by BofA. We remained in this limbo until today! This type of unfair practice has caused us tremendous financial stress as the XXXX lien has occupied all of the equity in our home since XX/XX/XXXX and limited our financial options for survival. BofA 's tactics eventually forced us to file for bankruptcy in XX/XX/XXXX a few months after our XXXX was modified. Firstly, I strongly believe that BofA acted illegally under the terms of the NMS agreement. Secondly, I believe BofA used unfair, predatory business practices by initially telling me they would extinguish the XXXX and then misleading me into thinking they sold it. A BofA representative told me by phone today that he apologized and that the information he had given me last week about the ownership of the XXXX loan was incorrect, he confirmed that his research showed that BofA has always owned the second. I have no words to describe how violated I feel. 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 2015-07-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have XXXX accounts with Bank of America, XXXX is a business account the other is a checking account. I made a {$500.00} online transfer for XXXX XXXX, 2015 from the business account to the checking account. At the time I effected the transfer I was given a transaction number of # -- -- -- XXXX. This evening when I went to transact some additional business I noticed that my account was short by {$500.00}. It seems that there were XXXX ( XXXX ) transfers from the business account to the checking account with the following transaction numbers : -- -- -- XXXX and -- -- -- XXXX. As you will see, neither of these numbers is the same as the original transformation number that I was given. Rest assured, that all my previous transaction numbers that I was provided at the time of the transaction correspond with what later shows up in my online account. 
I immediately contacted B of A. After waiting on the phone for an hour, I was finally connected to someone by the name XXXX who could offer no explanation as to how or why this happened. She said she would transfer the {$500.00} back to my account but she could not do it for value on XXXX XXXX, which is when the erroneous dare I say fraudulent transfer was made by the bank. I asked to be transferred to the manager she said she had just spoken with and I was told there was no manager on duty that could help me which I suspect was a blatant lie.

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

Complaint narrative:
I have needed to pay bith XXXX and XXXX student loans through Navient. My payments were morr than what i could afford. I was only working part time. Supposedly Navient signed me up in an income driven repayment plan and that was the calculation. Due to not being able to pay in full my credit was affected. I returned to school to pursue a different career path, should n't my loan payments be stopped until i finish my school?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a deposit of {$1300.00} in a mix of {$2.00} bills, {$1.00} coins, and {$.00} coins right before XXXX. However a few weeks later my online banking account said that I had a withdrawal of {$300.00}. I called to check with the bank as I had barely touched my account since the deposit. It turned out that the deposit that I had made was incorrect? I keep on getting pushed off to the bank manager then to customer service phone calls and vice versa. I counted every coin into every coin wrapper, so I should know if I was {$300.00} short. Plus it said that I was {$.00} short which does n't make sense at all considering I only deposited {$1.00} and {$.00} coins.

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 2016-05-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX a " Small Balance Adjustment '' of {$.00} was taken from my account. Four out of the last 5 months this same " Small Balance Adjustment '' has taken place. This " Small Balance Adjustment '' has happened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Submitted complaints every month after this " Small Balance Adjustment '' occurred with no resolution to this matter except, not to keep a balance in the account that was an overpayment on my part. On XX/XX/XXXX I received a phone call from XXXX ( XXXX Ext XXXX ) and was told they expect to have the problem resolved by XX/XX/XXXX. Also informed her I did not want a check mailed to me for {$71.00}, which was the overpayment in my account. At this time I requested a letter be mail to me to confirm our phone conversation. As of today, XXXX XXXX, XXXX I have not received any letter to confirm our phone conversation. I did receive check number XXXX, dated XXXX in the amount of {$.00} which was the overpayment in my account as of XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX, a Customer Service Rep ( Employee XXXX ) in your XXXX, VA office. He suggested to place a stop payment on the above check, which he did on XX/XX/XXXX and the {$.00} ( amount of the check ) would be applied back to my account in 3-5- business days. As of today, XXXX XXXX, XXXX, the {$.00} has not been applied back to my account. I am requesting the {$.00} and the {$.00} in question be returned to my account which were removed at a " Small Balance Adjustment '' on XX/XX/XXXX and XX/XX/XXXX. Please also advise if the " Small Balance Adjustment '' problem was resolved on XXXX XXXX. If it has not please advise when the problem will be resolved. This issues was reported to Bank of America in XXXX, XXXX, which is 5 months ago, and still it is a on going issue. Per XXXX XXXX ( XXXX Ext XXXX ) I was informed the " Small Balance Adjustment would be resolved by XX/XX/XXXX. What happened? Please also inform me as to what steps Bank of American has taken to resolve this issue. Thanks for you help and please call me at XXXX and confirm our phone conversation with at letter stating what was discussed.

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 2016-10-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Colony Brands, Inc.
State: SC

Complaint narrative:
The card was paid and was agreed to remove from credit report and was not

Company response to consumer: Closed