vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Total Card, Inc.
State: AL

Complaint narrative:
I have been a victim of fraud and Identity theft. I have reported XXXX to all XXXX credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I am also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have also had my attorney to submit a letter to this company and they still have yet to respond back to me or my attorney. I am very furious about this because I have sent supporting documentation to this company even though they think the social number matches name and birthday they still think it is mine account. I have never opened a credit card with these people at all. I am very furious about this and this is my second time reporting it to CFPB and I still have not gotten any satisfaction from this company about this account. I have went over and beyond doing what I need to do about this and I do not know what other steps there is to take. If this is not off my credit by this company by XXXX XXXX as requested by my attorney please let this company know that we will sue them for continuing to have negative untrue things on my account about having a card with them. This is the last time I will be contacting them about this account next time they will be receiving a subpoena from my attorney for a appearance date in court. I expected to hear back from this company before XXXX XXXX. If not further action will be taken by my attorney and I know you got her letter because it was sent next day. Please have the company contact me back before XXXX XXXX so that we can try to settle this out of court if not legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX of XXXX, Tx sold my debt to a collector. I had payments set up to be auto drafted from my bank debit card. My bank closed the card and sent me a new XXXX. I tried to online and change my information and pay my bill. It would not allow me too. I did not receive a call from XXXX XXXX XXXX stating that they had issues with my automated payment that I set up on their website. This was done after I questioned the bill. I believe I was XXXX charged for my deductible. I sustained a XXXX XXXX XXXX shortly after and have received numerous automated calls from the debt collector on my cell phone. I received XXXX call prior to my accident and calls while in the hospital. A total of XXXX calls. It is my understanding that the law does not allow automated calls by debt collectors to a cell phone without permission. I was XXXX in the hospital. 

The debt collector is Central Financial Control located in XXXX, AL. They threatened further collection activities ( Not sure what that means ) The amount is for {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was Identity theft and fraud with accounts opened in my name without authorization and fraud activities on my checking account. Bank of America reported me to XXXX and held my liable even after I provided proof of the fraud and made claims repeatedly against the fraud

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Hello! Navient is now the administrator of my student loan and my loan terms appear to have changed based on what I see on the web site. I have a 3.25 % fixed interest rate with a remaining principal of {$9100.00} as of today, and I make monthly payments of {$170.00}. The web site indicates that I 'm on a 2-year interest-only payment schedule beginning XXXX XXXX and that my loan will be paid off in XXXX -- neither of which are accurate based on the terms that have existed since these loans were consolidated in XXXX. I have unsuccessfully tried to speak with a human being at Navient to ask about this many, many times. ( The line always disconnects before I am transferred. ) Additionally I never receive a call back from their automated system when I opt for that options instead of waiting on the line. I did not approve any changes in my loan terms and I would like documentation of my exact payment/payoff schedule to confirm everything is as it should be. Thank you for your assistance, and for your very existence as an organization!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Our mortgage modification was denied by our servicer Bank of America ( BOA ). We checked with XXXX XXXX XXXX XXXX through XXXX and they confirmed that we are clearly qualified under the HAMP but BOA still denied us. In their denial letter BOA did not even consider the PRA that we requested. In the same letter BOA states that we are approved for Short Sale and they will release their mortgage lien on our property even though they will accept proceeds that are less than the amount we owe. They say that they are willing to accept a lower amount in a short sale but not reduce our principal in order for us to be able to afford and continue to stay in our home. 
Our mortgage is not owned or guaranteed by Fannie Mae or XXXX XXXX. 
We owe more than our home is worth. ( We owe {$480000.00}, the property is worth {$260000.00} ) We occupy the house as our primary residence. 
We obtained our mortgage on or before XXXX XXXX, XXXX. ( Origination date XXXX/XXXX/XXXX ) Our mortgage payment is more than 31 percent of our gross ( pre-tax ) monthly income. ( Current mortgage payment {$1600.00}, our monthly gross income is {$3500.00} ) We owe up to {$720000.00} on our XXXX mortgage. ( We currently owe {$480000.00} ) We have a financial hardship and are delinquent in mortgage payments. 
We provided sufficient, documented income to support the modified payment. 
We have not been convicted within the last 10 years of felony larceny, theft, fraud or forgery, money laundering or tax evasion, in connection with a mortgage or real estate transaction. 
We even reduced the homeowners and windstorm insurance on our property in order to reduce our escrow but BOA still is refusing the modification. 
Our loan was originated by Countrywide Home Loans and then in XXXX it was assigned to XXXX as XXXX for XXXX XXXX CWALT Inc ( certificate Series XXXX ). CWALT is Countrywide Alternative Loan Trust. So no one knows who the real investor/owner of our loan is and BOA is our loan servicer who is refusing to modify our mortgage which may force us to loose our home. Up to date we paid to BOA over {$250000.00} for our {$460000.00} mortgage loan and according to their statements we still owe them {$480000.00}. We also understood that BOA is fully capable of internally modifying mortgages up to 25 percent of net monthly income as well as offering substantial principal reduction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Naviet States that it will not go back to XX/XX/2014 an apply the payments that I sent in to the correct loan that was in repayment. They applied my payment over XXXX loans although only XXXX loan was eligible for repayment. Again they have record of me sending in payments but will not give me, well my mom seeing as it was a federal parent plus loan, credit for the only loan that is eligible for repayment.They turned the loan over back over to U.S. Dept of edu. In a default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used their Bill Pay system on XX/XX/XXXX. The payment never went out so I had to pay a late fee and pay it again a few weeks later. Then when I called today to discuss/investigate - nobody knew who I was. They looked up my account number, nothing. My name, nothing. My zip code, nothing. I have several accounts at this bank and they have chosen to not remember who I am. Finally after an agonizing 30 minutes on the phone, the rep was able to find my account ( what a miracle ) and then denied that I ever made the payment. I have learned today that BofA is not training their people as well as not paying payments that I instructed them to do.

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 2016-08-07 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
they charged me for something that I did n't do

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 2015-11-24 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 Loan # XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXWe started a short sale with Bank of America XX/XX/XXXX. Bank of America holds the 1st TD position, and also shows as the servicer on title for the 2nd TD. 

There are several issues with Bank of America 's behavior on this short sale. 

1 - We have been trying to find out if Bank of America also still holds the 2nd TD, or to where it was service released for TWO WEEKS. NO ONE will respond to our voicemails, nor our requests in Equator. 
*** Bank of America is OBSTRUCTING the negotiation with the 2nd TD. 


2 - Bank of America repeatedly requests items that do not exist, or that we have already provided. They have been requesting copies of separate business bank statements for the XXXX homeowner, and for XX/XX/XXXX Income Taxes. I have repeatedly sent them SIGNED STATEMENT from the homeowner stating they have not filed XX/XX/XXXX Income Taxes -- this type of statement has ALWAYS been accepted in the past, not only by Bank of America, but every other lender that services short sales. Bank of America has repeatedly rejected this statement. I have also submitted the business bank statements on XXXX - when they were first requested - and Bank of America rejected them anyway. 
***Bank of America is refusing to work on a short sale for someone who has not filed XX/XX/XXXX Income Taxes***Bank of America rejects the exact documents that they have requested - is this another attempt to XXXX the short sale process? 


3 - The Single Point of Contact ( SPOC ) does not return phone calls. 

4 - There is NO ONE at Bank of America that will answer any questions regarding short sales over the phone. All attempts at speaking to someone result in being transferred to a voicemail, which is never returned. Even their normal customer service department, which handles all their financial products, immediately transfers you to the SPOC 's voicemail, saying they have no information and can not help us. 


5 - The negotiator and management refuse to respond to voicemails and messages inside their Equator system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
An old mortgage is listed on personal credit file inaccurately. Several times this item was disputed and nothing has been addressed with the creditor and credit agencies. I am requesting your firms help to resolve this matter. A couple things, XXXX and XXXX list 120 days past due which is inaccurate as this account was paid and XXXX also list a payment of {$8100.00} as the payment amount which is inaccurate also. I do not agree with the XXXX and feel this company does n't even have records to support the inaccurate data listed. Please help assist me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have applied for a short sale with Bank of America. They keep closing my file and make me start all over with the process due to missing paperwork and no paperwork is missing. Time is of the essence and this needs to be handled by a competent person. Five months has already been wasted waiting on Bank of America. I try to call the phone numbers that they have provided and I keep getting disconnected by their automated system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PLS GROUP, INC
State: IL

Complaint narrative:
Had issue repaying PLS {$2500.00} due to having income reduction during a torn meniscus and being off work. They took payment of XXXX from account then, I told them cant make any more payments for a while till back to work. They forward account to collections after missed the next payment. I tried to repay loan in smaller increments I made 2 payments of {$200.00} and then had issues with a rental car company, taking more than allowed, my bank gave me a provisional credit, during that time it caused a missed payment NSF with the loan company PLS. Then when I got back to work there was a wage assignment sent to my employer, unknowingly to me. They said it was sent but to my old address, so I never saw the assignment notice. So, a trusted friend said I should revoke the wage assignment and continue making payments, the supervisor there in XXXX XXXX XXXX XXXX, a XXXX XXXX, said they stopped the wage assignment, but I needed to pay {$500.00} in 2 days, which I could n't do. Then after getting the run around on what was happening for several days, she informed my husband they had sent my account express to wage garnishment, the day I revoked the wage assignment, and that we did n't have the right to and could n't make payments on it anymore. This sounded really weird to me not to be able to make a payment on a account and just let it be garnished. I am not refusing payments toward the debt just looking for something reasonable. To try and make payments of {$500.00} monthly towards a debt that started at {$2500.00} and now is at {$2800.00} and we have paid {$900.00} towards it, WE COULD NOT afford that!! It would cause extreme hardship to our already tough situation.

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 2015-07-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I called Navient to put my loans in forbearance because I 'm about to be unemployed at the end of the month ( XXXX XXXX actually ) in a move to XXXX XXXX for family AND financial reasons. I was reminded I have to pay XXXX dollars forbearance payment ( not a fee ) which defeats the purpose of forbearance ; I was transferred to XXXX " supervisors '' ( I 'm unsure if they were supervisors ) who insisted that this was policy which can not be changed. I was also informed I only have so much forbearance left on XXXX of my loans ( two months ), so I wondered if it was even worth it. Regardless, there 's nothing in place for a private loan company to exploit an unemployed person. Additionally, I learned, after getting disconnected on accident, right when I was about to put my loans in forbearance that it was too early to do so ; this should have been communicated to me early on in my phone call, not half an hour after my XXXX communication. I know there may be little that can be done, but private loans should not go unchecked when it comes to PAYMENTS ( not fees! ) for forbearance, whose point is to allow a respite for payments ( as interest is still being accrued ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I went through a divorce several years ago and requested a home loan modification through Bank of America. Bank of America refused to get back to me on several occasions causing the process to take a year, destroying my credit in the process. Only when they got the foreclosure judgment and sent it to sheriff sale did they process it correctly and I paid on time for over a year. We decided to sell the home in 2015 and listed it for sale. After about 75 days, we received an offer and accepted. We promptly got an apartment, paid a deposit and signed a lease. We moved into the new apartment about 5 days before closing. As we were preparing for closing, it was discovered by the purchasing lender ( unknown to me ) that Bank of America had sold our overdue principal to HUD. This required us to sell our home for over {$150000.00} to break even. The house only appraised at around {$120000.00} because there have been so many foreclosures in our area. I contacted Bank of America to determine what we could do and informed them that we had a buyer if they could process the short sale immediately. They said that they would probably not be able to and " hopefully the buyer was still around ''. They went through the same process of continually requesting updated information for months while the process dragged on. I lost my buyer and could make the mortgage payments AND the rent payment on my apartment so I continued to work through the home modification process. I contacted their lawyers several times, received a response on a few occassions. Finally, on XXXX XXXX, I received an email back from XXXX XXXX at XXXX XXXX ( Bank of America 's attorney ) saying that my loan has been " service released '' to XXXX XXXX. I immediately called them to restart the process and was sent out a packet. I was in the process of submitting the packet and gathering all of the info they needed. My wife drove by the house and there was a sherrif sale notification on it for XX/XX/XXXX. Bank of America, who would no longer work with me and would never respond and sold it to XXXX, processed a sheriff sale. They began the sheriff sale process AFTER I was informed by their lawyers that they no longer serviced the loan! I called XXXX and they confirmed that Bank of America did complete that. 

Lastly, I logged on to the sheriff 's website to discover that BANK OF AMERICA bought it! 

I can only see this as they intentionally did this to somehow gain from the process.

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 2016-10-18 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: MA

Complaint narrative:
I have had XXXX disbursements between XXXX XXXX and Department of Education, now known as Navient. One year I sent in a check for XXXX specific loan which was higher interest. The following month, every other loan took more out of my monthly payment to make up for overpaying the other loan. I have had loans separated into individual groups to ensure the overpayment does not effect the other payments. Why do I have to do this? At least twice after that I was told that everything was all set and payments would continue to withdraw and apply at the same amounts which did not. One time they did not restart the ACH payments for the next month which cost me more money toward interest. I would like CFPB to review my payment history and the number of times the amounts " due '' have changed every time I overpay. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
For online automatic payments, Chase only offers the option to pay the minimum monthly payment or the full balance. There is no option available to automatically pay more towards the principle ( minimum + additional toward principle ). Chase, on a monthly basis, sends balance transfer / promotion checks to customers enticing them to borrow money against their available card balance. To me, this is a classic " repayment trap '' designed to get customers to transfer balances to their Chase card, then by not providing an option to pay more than the minimum monthly payment in order to expedite the repayment of the principle, Chase is able to collect more interest on higher credit balances. The customer must manually adjust the " automatic '' payment in order to pay additional principle on a month by month basis, which hardly seems convenient or automatic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: VA

Complaint narrative:
My monthly payments ( income based ) were doubled XXXX without my income doubling. I was already barely able to afford my current payments and needless to say this was becoming a XXXX financially threatening our young family ( we have XXXX young kids ). After contacting Navient multiple times both via phone and their portal I inquired as to how this was happening and what my options were. I was given no solutions or explanations via the portal ( all of this is documented ) and the only solution given via one phone call was forbearance. This is not a long-term strategy but given the circumstances and attempting 3 months of these unreasonable payments my husband and I decided for forbearance for 12 months. I had also asked for the calculation that lead them to this amount given that I was possibly eligible for extra income ( bonuses ) and this could further threaten our payments yet again no answer was provided and I could not make an educated decision about certain financial items. The income based repayment program appears random at this point and that Navient was unable to provide the calculation used to determine my monthly payments suggests the randomness and does not allow consumers to make educated decisions.

Company response to consumer: Closed with explanation