vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-11 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I had a XXXX debt from XX/XX/XXXX that was discharged through bankruptcy in XX/XX/XXXX. In XXXX XXXX, XX/XX/XXXX SOUTHWEST CREDIT SYSTEMS, L.P. reported this debt to the credit bureaus. This debt was discharged and this company should not have reported 2 years later and try to keep collecting this debt. I want this out of my credit report.

Company response to consumer: Closed
Consumer complaint received 2015-03-30 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: National Arbitration Forum
State: TX

Complaint narrative:
I received a call on XXXX XXXX, 2015 at XXXX from a Private number on my work cellphone. The caller stated he was a process server who was scedule to serve paper because someone is taking me to court for debit. He gave a the number to National Arbitration ( XXXX ) to call before Monday XXXX/XXXX/15, the he would server my papers. I called the number and was told by the woman who anwsered the phone I took out a payday loan with XXXX XXXX XXXX that I did n't pay back and XXXX XXXX XXXX is now taking me to court to press Fraud and bad check charges. I told her I ca n't pay today so she sent me to er manager. He stated the same charges and that I would be served and taken to court if I did n't pay. I called XXXX XXXX XXXX directly at XXXX and was told my account was sent to XXXX collection agency ( XXXX ) but they are not pressing charges of any kind just seeking repayment. I called XXXX whom said they sold the account to XXXX XXXX collections ( XXXX ). XXXX XXXX confirmed they brought my account and had contracted National Arbitration to collect the debit, but again are not pressing any charges. So I called back national arbitration to let them know I confirmed the original creditor is not pressing charges and what the said is false and illegal. I was transferred to a supervisor named XXXX how looked at the account note to see whom I 'd previously spoken with. He stated he had this same issue with the XXXX reps whom gave false and illegal information before and they would be dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
I made a payment on my mortgage for XX/XX/XXXX to my previous mortgage lender. My mortgage was then transferred to a new lender, but the new lender is claiming that my payment was never made. I have sent documentation to the new lender showing that the payment was made, and they still have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MO

Complaint narrative:
Huntington Bank has somehow lost my XXXX payment. When asked to pay late charge and XXXX payment all over again, I complied. I had checked my accounts statement from my own financial institution immediately prior to being informed of the late payment. It showed my XXXX payment. After I returned to my financial statement after making the " late payment '', I found the initial XXXX payment was gone. No trace that I had ever made the initial payment showed up at all. That is either some glitch in the universe or an agent with some XXXX type access making moves of my financial assists from within the XXXX banks systems. I would like this matter to be investigated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 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: WA

Complaint narrative:
I have been making payments on my private student loans since XX/XX/2012. I believe the first 2 years were going to be interest-only payments. However, I was doing research into my payment history today and found that ever since then ( approximately 5 years ), my payments are inconsistently applied to interest and principal. For example, if my payments are made on time, {$0.00} of my payment is applied to the principal and all of the payment goes toward interest. Many payments are showing that {$0.00} or some other small fraction of my monthly payment has actually been going to pay off my loan. Because of this, it ends up that on one of my loans, I have only paid {$550.00} in actual loan debt since my payments of about $ XXXX/mo on that loan began XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX with Pioneer Credit Recovery has contacted 3rd parties about an unknown alleged debt. I have a Bankruptcy in place which XXXX has ignored. While leaving a message on XXXX, Legal Assistant to Attorney XXXX XXXX on a recorded line. I insisted that XXXX Cease & Desist from contacting me altogether, Cease from contacting 3rd parties instead contact XXXX to discuss this matter. XXXX informed me long into the call that he was speaking with me on recorded line without my knowledge or consent. This debt collector has grossly violated my rights and I have no clue what his collection matter pertains to.

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 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The location of Bank of America at XXXX XXXX XXXX XXXX XXXX Fl has employees that are giving out my financial information including account numbers and an actual printout of my mortgage status to a person pretending to be co-owner of my house and who is actually the tenant. He was able to secure my account number and financial status on my mortgage loan from employees at this bank who he claims are his friends. He also claims to have bank friends at the XXXX XXXX in XXXX XXXX FL and has secured additional information on my loan from them. Both of these branches need to be investigated immediately and held accountable for disclosing my personal financial information to a stranger that walks into the bank claiming he is friends with the bank employees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: NY

Complaint narrative:
I have a parent Student Loan with Navient. I missed my payment in XXXX XXXX th receieved a bill for XXXX and XXXX for {$340.00} due by XXXX XXXX. I scheduled the payment online to be paid on XXXX XXXX in the full amount due charged to me banks account on XXXX XXXX. I have received 3 phone calls a day about a overdue payment. When I ask the rep wo check and see that I have scheduled full payment I am told that is their system. 

This practice amount to harrassment. Today is XXXX XXXX and I am still receiving the 3 calls Why are they allowed to harrass comsumers

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: WA

Complaint narrative:
Was told I had to consolidate so not knowing any better I did. This locked new into never being able to have any better options to repay my loan. I made an attempt to get ahead of my loan and the interest payment by being several months ahead of my loan if I miss a payment or if the loan payment is made 30 days after the last payment u get a penalty even though I am 7 months ahead. When I make my payment I try to make it a 21-25 days after the last payment. They take it out of my account but do n't process the payment until to 30 day so that month of accrued intere see that continues. I have tried everything to pay down my loan and nothing is effective. By chance I did discover that the payment they give you in the beginning is well below the actual interest you are being charge so I was able to stay ahead of that. When I would call to find my option they would either tell me I had none.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I believe someone is using my personal mortgage acct/info to reverse my mortgage payments. Now Bank of America is claiming 2 months are owed on my acct and that is false! Here 's similar people/cases : " Well this XXXX is still add it.I 'm glad I found this website becasue I was going crazy! They tried to tell me that if anyone does n't pay by the XXXX that they will call to make arrangements to take your payment over the phone. Well, I 'm never late and it is only the XXXX of the month so I 'm well within my grace period. I went OFF on the lady ( i actually felt bad ) but only becasue my experience with BAC has been so horrible. I went into BAC main office and they verified that this was scam number- they are NOT BAC and my loan was in good standing. There has to be away to block this company up for harassing people- playing with peoples homes is no joke! i called the # back and it says they XXXX and they have all my account info. CREEPY!!!!!!!! '' 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 monetary relief
Consumer complaint received 2016-03-17 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: SD

Complaint narrative:
I have a XXXX student loan. In the process of forbearance and being sold now 3 times somehow it is charging me twice for the same loan. I have sent in my original loan. I have sent in proof of this and get no where with these people. This has caused me not to be able to buy a home the last 4 years. I have sent in multiple complaints to the companies and the different bureaus. The loan then gets moved to someone else. I am so upset with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2015, my wife and I met with a Bank of America mortgage loan officer to apply for a refinance our house. We were told that would not be a problem. The following day I brought all documents requested. After placing several phone call to find out the status I called the branch 's general manager, she called the loan officer 's manager and the following day the mortgage loan officer called me XXXX XXXX XXXX ) to tell me that I was XXXX or XXXX payments late in the last 24 months. When we met with him to formalized the application that should not be a problem to obtain the refinance, he asked us if we have been late in our mortgage one month in the last 12 months, the answer was no, then a day latter he requested banks statements for the last 24 months and the he said that in our credit report shows that we were late XXXX or XXXX payments late that would be very difficult to obtain the refinance but that he has someone else who can help us. Also the mortgage officer mentioned that he met with the underwriter and now via e-mail his manager is saying that the my application has not been submitted and if I want them to do so, i need to come up with {$450.00} for the appraisal of the house. I have request in multiple occasions to be provided with a letter stating the reason ( s ) of the denied, all my documents back and a copy of the application and also a copy of our credit report and to this day I have nothing. Thanks

Company public response: Company 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: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
**This is a complaint about NAVIENT loan services** *I 'm not sure what type of loan I have ( Federal or Private ). Every time I spoke with someone from NAVIENT, I was given a different answer. 
*I have been denied income-driven payment methods for the past year. I was always re-directed to the forbearance option each time I talk to a representative. *Forbearance DOES remove the need to make monthly payments, HOWEVER it increases my interest, making my overall payment HIGHER. 
*In order to even talk to a representative about income-driven payments, they had both myself & my cosigner fill out financial statements ... Each of us were forced to fill one out AT LEAST 5 TIMES!! Apparently they do not save this type of information on your account?? 
*One time while filling out a financial statement, one NAVIENT customer service representative accused me of lying about not being able to make my $ XXXX monthly payments by saying " sometimes people CAN pay but they just DO N'T WANT TO. '' *On numerous occasions, I HAVE filed for forbearance, and the next day they were calling my house wondering where my payment was. Do they have no sense of tracking peoples ' accounts? 
*I find it absolutely frustrating that a company offers income-driven loan payments on their website/in writing but once a customer inquires about the payment option they redirect them to forbearance.. WHICH MAKES YOUR OVERALL PAYMENT EVEN HIGHER!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently got a SouthWest Visa card. When I created a login account on the Chase website, I saw they had listed a XXXX account which is a XXXX Visa card. I do n't think I signed up for that card, ending in number XXXX. It was never activated, it was never used. So I asked the representative to waive the accumulated charges of late fees, interest and annual membership. They refused to waive the {$95.00} membership for an account that has never been used. I spoke to the supervisor, and she told me the same thing. This seems like a scam which XXXX XXXX has been recently doing. To charge a customer for something they never used. It would make sense if I 've been using a XXXX Visa card, and then ask for a {$95.00} waiver for an annual membership fee. Chase should automatically check their accounts to see if a card has not been used for a year, then consider it inactive and cancel it. Instead they keep adding up charges and tell the customer to pay for a product / service which was NEVER used

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my accounts without reason or explanation I 've been a customer in good standing since 1990 and am willing to give any information that will help to get to the root of this unfortunate error. I treat my relationship with the bank with great respect and also am a XXXX for many branches in XXXX XXXX. This situation is very important for me to resolve.. Thank you, a XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: PA

Complaint narrative:
I 'm currently trying to pay back my student loan in the amount of {$35000.00}. Navient said according to their system once they plugged my numbers in of how much money I make and my bills, that I 'm able to afford a {$180.00} payment plan. I have n't been able to pay that monthly bill because I ca n't afford it, it 's too high for me at the moment, and I do n't understand how their system can tell me what I can or can not afford to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
I took out a student for XXXX college XXXX yrs ago they kept raising the tuition so I quit and went to a community college. I started receiving these bills from a collection agent CBE group stating that I owe {$11000.00}, I was at XXXX for maybe XXXX semesters. I tried to work out a payment plan with CBE Group to pay off the loan, they told me I have to pay {$150.00} per month, I told them that was too much I do n't make that kind of money. Upon my first payment they took {$150.00} plus an additional {$200.00} that I did n't authorized. Then they started calling my job all day every day ( I work in retail ) and my cell phone. Now they 're call asking for my XXXX. I refuse to give them my tax return, XXXX, paystubs and other private documents. I 'm on a payment plan with them and I 'm still receiving all these phone calls. Please I need them to stop calling my job and I do n't owe {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a customer of Bank of America for over 15 years with a credit card. I have always paid the monthly fees and my FICO score is in the XXXX. I NEVER asked for a credit increase, but instead of sending me credit cards, B of A keep sending me odd letters saying that there is a problem with an " restricted access notation '' on my consumer credit file. '' This is bogus -- a lie. I called B of A several times, including a talk with XXXX on XXXX/XXXX/2015 at XXXX with the credit dept there. She said that there was a problem with my address, which they had it all along- NOTHING to do with my consumer credit file. 

She apologized and said that the cards were going to be released. Today, XXXX/XXXX/2015, instead of getting the cards, I get another bogus letter from BofA dated XXXX XXXX, 2015, mentioning the restricted notation (? ) again. I tried calling the credit dept. today, but it was closed. I talked to a regular rep at B of A and she can not tell why I 'm not getting the cards. 

I want to know why I 'm being harassed like this. This is scary. 

The credit cards expired in XXXX 2015 and I received new cards. However, next I received a letter saying that an " Unkown '' business has been compromised, and that I was going to get new cards. Then I got another letter saying that B of A will be sending me new cards with chips. I noticed a transaction that I did n't recognized online, I contacted the bank and was told to cut the cards and that other ones would be sent out. These never arrived. I contacted B of A again and was told that the cards were NOT to be cut out and replacements would be sent to me. However, because now I 'm caught in this credit request I never made, I never receive any cards. The situation is insane, and I do n't appreciate people playing with my credit and credit history like this. I do n't like that B of A is telling me in writing to contact the credit bureaus, when the problem is their internal mess. This is not right.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
CBE company calls me repeatedly daily for a XXXX XXXX XXXX. I am XXXX XXXX XXXX with different social security #. I have asked and told them to take me off their list and yet I get called every day. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America made moves and transfers in my checking account and my credit card whit out my authorization, and just told me that was a misunderstood, provoking late pay fees and damaging my credit report and credit score.

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 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My issue involves the escrow department of the Bank of America. At the end of 2015 a bill was submitted for homeowners insurance that I had " NOT '' purchased. My first clue to this was when I received a cancellation notice from XXXX for non-payment. I felt sure a quick phone call would resolve this, however, the escrow department claimed they had done no wrong, and basically said that there was nothing they could do. This left me in the position of having to pay for XXXX months insurance out of my pocket to prevent the cancellation of a policy that had been in effect for well over 5 years. After several phone calls, the escrow department finally paid nationwide, leaving my escrow account very short because of the double insurance payments. 
Now they write to me saying my escrow is short, and want to increase my house note by {$75.00} a month because they gave my money away. 
I would like to know since when is it that the Bank of America lost control of the money going in and out of the escrow department, and why they refused to even try to help me with this situation. Something is very wrong here, and having my house note go up could very possibly lead to me not being able to pay for my home. Somebody in that escrow Department really dropped the ball on customer service, and the final failure to help me actually came from the department manager.

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