vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-17 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: Ascension Point Recovery Services, LLC
State: PA

Complaint narrative:
Ascension Point Collection is attempting to collect a decedent debt they say they have obtained from XXXX XXXX associated with XXXX credit. My father passed away XXXX XXXX, 2016. They are stating that {$300.00} is owed on a credit card associated with XXXX and this bank. XXXX and XXXX XXXX have been contacted and there is no money owed. They released all financial obligation upon his death. Further, they have never heard of this company and only associate with XXXX. No paperwork has been given via the bank to ANY collection agency nor will there be. Despite several calls, the company is saying payment is owed. This is a scam. No one from the bank has even heard of this company. They are insisting on payment and have sent paperwork and made numerous calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Experian is in violation of this law.

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 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian conducted an investigation on an item that was filed in error by the XXXX, and after Experian was notified of the item being filed in error, and subsequently rescinded by the XXXX they still left it on my credit file. When asked who verified the item, the customer service representative told me that they did not have to share any information about whom the item was verified through, which is in direct violation of the Fair Credit Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed an entry several times in my report. Now the entry shows as " account in good standing '' but the details are still wrong. The account still shows many months of " charge off '' in the payment history, the balance says N/A when the balance is XXXX, and the account history shows the remarks " Charge Off as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX Bankruptcy Dismissed on XXXX XXXX, XXXX. '' None of this is correct. This debt was paid off, there was no dismissed bankruptcy on XXXX XXXX, XXXX and this debt is not a charge off. I can not get a straight answer from Experian.

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 2015-06-03 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In numerous previous complaints from earlier this year, I asked that clean, corrected copies of my credit report from Experian be mailed to me. This is the only way for me to verify what the latest invented garbage is that they so habitually insert into my credit file. I challenged numerous items yet I have not received a corrected copy of my credit report. 

It is preposterous that consumers can receive only XXXX copy of their reports a year. This means that the largely illegal activity of Experian can not be detected, unless consumers are willing to pay this criminal agency to reveal only their latest activity which does nothing to curb their habitual and wanton violations of fair credit reporting laws. Consumers should be allowed to receive free copies of their credit reports at least XXXX a month, given the enormous amount of unverified information that appears in credit reports and Experian 's ready trafficking in it, by collecting fees from all kinds of bottom-feeding and any other agency it can get money from. 

( See numerous complaints against Experian from earlier this year, as well as last. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent certified mail to Experian requesting them to respond to my METHOD OF VERIFICATION FORM. I will attach a copy of the method of verification form. Experian did not verify any of the accounts I have disputed but sent me results saying either they " UPDATED, NEW INFORMATION '' well if there is new information who did you verbally talk to too get this new information? No documentation was mailed to me explaining who Experian contacted. XXXX is not the form of verification that I requested by law Experian has to honor my method of verification request and they have not done so. When you see the method of verification form you will see why I am filing this last complaint before seeking legal action. This is my LAST attempt to resolve these issues. XXXX XXXX do not even return calls so I know they was n't verified. XXXX and XXXX sent me fraud forms to fill out which I sent back already. XXXX and XXXX have not provided me with documentation with my signature on there as well so how is it that XXXX have all this new information?????? I have contacted an attorney who is on standby until this last attempt is done. method of verification per FCRA Section 611 ( a ) ( 7 ) is what I requested. I can also send a copy of my certified mail receipt if asked.

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 2015-09-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I have a Bank Of America Credit card and they do not allow you to set a automatic payment of the minimum due. You must set a predetermined amount. I called them because I got a late fee and there reason is you need to look at your statement each month and pick an amount. 

So I did not look at my statements for two months and got charged a late fee. I called them and they refused to fix it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX we were notified by email of possible fraudulent activity on our Bank of America credit cards. Our cards were cancelled, a fraud report generated, and new cards were promised to arrive XXXX. 

On XXXX/XXXX/XXXX only XXXX card was delivered ( 1 day late ) for XXXX of the XXXX account holders. A complaint was then issued for missing card. New card promised to arrive XXXX. 

XXXX/XXXX/XXXX Received shipping notice that missing card was delivered ( again 1 day late ), but no card had actually arrived. Complaint issued. On the same day there was further suspicious activity ( a declined XXXX cent charge ), so both card were cancelled. XXXX new cards were promised to arrive XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX, no cards had arrived. Called BofA, and they said cards were never mailed ( admitted their mistake ). They said the order was still " processing ''. We were told new cards would be expedited and would arrive on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we received an email from BofA saying new cards would arrive in 5-7 days. I called again, and they said they would expedite a different set of cards that would arrive on XXXX/XXXX/XXXX. I 'm not holding my breath!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 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: MN

Complaint narrative:
THIS LOAN HAS BEEN ONGOING FOR 12 YEARS, AND DO NOT KNOW WHAT THE XXXX IS LEFT AS XXXX KEEPS COMING UP ON MY STATEMENT, IT IS LIKE A DRAIN BACKING UP UNTIL YOU GET MTHE CLOG OUT IT WILL KEEP BACKING UP, TERRIBLE. ALSO I DO MY PAYMENTS BY CHECK AND A STATEMENT DID NOT ARRIVE AT THE HOUSE AT IT NORMALLY DOES, THIS WENT ON FOR TWO MONTHS, I DO NOT KNOW IF THEY ARE FOCING ME TO ONLINE BANK, NO I WILL NOT DO IT, A CHECK TO THESE PEOPLE OR WHEREVER HAS BEEN GOOD FOR 12 YEARS WITHOUT A LATE OR MISSED PAYMENT. AFTER THIS I GO ONLINE AND SEE THE BIG RED MARK BEHIND THE STATEMENTS. LATE FEES AND SO ON, WHICH THEY WILL NEVER GET. I HAD THE LOANS THROUGH XXXX WHICH I HEARD IS NO LONGER IN BUSINESS. I WOULD LIKE AN INVESTIGATION INTO THESE PEOPLE AND FORBEARANCE OF THIS LOAN, ICH I NEVER HAD A CHANCE TO USE AS A XXXX. THIS WAS MHAD MANY LENDERS NAMES ON IT AT LEAST 4 OR 5 THAT ARE IN THE LOAN SOMEWHERE, THEY KEPT CHANGING NAMES AND SENT ME BOOKS FOR PAYMENT METHODS BY MONTH, THEN THIS QUIT AND ANOTHER COMPANY TOOK OVER, COULD N'T KEEP UP WITH ALL THE MANEUVERING AROUND WITH THE MONEY FOR THE LOAN, FINALLY THESE CLOWNS NAVIENT APPEARED INTO THE ACT, NOT TO HAPPY WITH THEIR PERFORMANCE EITHER. PLEASE GET ME OUT OF THIS LOAN AS IT MEANS NOTHING TO ME ANYMORE WITH THE DEGREE XXXX CHOSE, THE XXXX NEVER HONORED WHAT THEY TOLD ME AT THE BEGINNING AS PLACEMENT AFTER GRADUATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America is in the process of closing my account. I have $ XXXX in my checking account that they will not release to me. I 've called the number directed to call and left several messages. No one has responded with any information. I went to the branch and advised to call the XXXX number again. I want my funds released to 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 2017-01-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC
State: PA

Complaint narrative:
Incorrect payment information. Use coupon book provided to pay XXXX payments at {$130.00} beginning XX/XX/XXXX and XXXX payment at {$130.00} due XX/XX/XXXX. Received email stating I owe XX/XX/XXXX payment which was paid XX/XX/XXXX. Called went over every payment from # XXXX due XX/XX/XXXX to last payment made # XXXX on XX/XX/XXXX with no resolve. Have all my cancelled checks for proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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: FL

Complaint narrative:
My student loans were acquired threw XXXX which we no is now Navient. When i graduated from college in 2012 i had trouble finding steady work for years, i tried to keep up with my loan payments but i could not for financial reasons. Navient would always push me to a forbearance or deferment, so now these loans are costing me more than they ever should have. I am currently up do date with my loans, however i do not feel i was treated fairly i was getting charged interest while on deferment and i did not no this. Im not sure what exactly i can do so I am asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX XXXX, I received a notice from Bank of America , NA. Attention : Default Servicing, from the XXXX office. In all caps, it used legal titles of the loan successor, etc, and then in the bottom XXXX of the front page - in BOLD and CAPS " IMPORTANT RIGHTS FOR HOMEOWNERS NOTICE OF PRE-FORCLOSURE OPTIONS '' ( and continued with ... ) " You must respond within thirty days of the date of this letter to take advantage of your rights. IF YOU DO NOT RESPOND within thirty days, a notice of default may be issued and you may lose your home in foreclosure. '' ( there is more that follows ). The letter is dated XXXX XXXX - nearly XXXX of the time to respond had already passed by. 
I became panicked but had to wait to the following day to get through to Bank of America 's debt collection office. After review of my home equity line of credit, the agent XXXX ( employee # XXXX ) assured me there is nothing with the account that is cause for alarm or includes a threat of foreclosure. I shared with her my alarm and criticism of the format of the letter. I also thanked her for assuring me that my account was ok. 
Also on XXXX XXXX, I 'd missed a registered mail piece from Bank of America on the same day this letter had arrived. I picked it up at the USPS later on XXXX XXXX and found that this piece, for which I had to drive to the local post office and sign, was the EXACT letter I 'd received the day before.

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

Complaint narrative:
Navient has only ever given me one option of forbearance for my student loan. Since they have had the loan for almost 2 years my balance has skyrocketed. I recently contacted them again & was once again told that forbearance was the only option. I do n't make enough to pay the monthly payment which went from {$10.00} per month to over {$100.00} per month, when Navient took over the loan. I need other options which are not being offered to me. 
XXXX XXXX College which has been out of business since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 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: CA

Complaint narrative:
I currently pay {$750.00} on XXXX loans via auto pay through Navient XXXX formally XXXX XXXX XXXX I 've tried paying extra payments to lower my principal balance but all that happens is gets applied to the following months payment. I 've asked how can my extra payments be applied to principal balance and they say it 's not possible. This is criminal, I will never be ableye to get out of debt or get ahead. And to make things worse they do n't offer refinancing on my 8 %, 13 % & 14 % interest loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To date and at the time of this submission, I have lodged XXXX Consumer Financial Protection Bureau ( CFPB ) Complaints that are automatically forwarded to the Department of Justice and the California State Attorney General ( AG ) related to Bank of America and my dealings with this company throughout loss mitigation workout assistance and processes. 
Bank of America has never once provided me with a response actually addressing many of my concerns deciding to continue on as they have been by misstating my concerns, supplying non-responsive replies, or cease communication altogether. 
The latest instance of this show of lack of good faith was XXXX XXXX, 2016 through the written response provided by their current legal advisors. It is unclear if Bank of America has withheld material facts from their retained attorneys who then proceeded to respond based on the information provided to them by Bank of America, or if the legal response is based on the account records including, but not limited to, internal Bank of America documents and documentation.

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 2016-08-16 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.

Complaint narrative:
FDCPA violations by Navient Corporation -- My complaint regards XXXX subsidiaries of Navient Corporation illegally contacting my sister in relation to an apparent debt collection. 

On XXXX XXXX, 2016, my sister received mail addressed to me and in the envelope window the following text was visible : " Please call General Revenue Corporation at XXXX. '' On XXXX XXXX, 2016, my sister received a voicemail from a representative of General Revenue Corporation requesting information about me. The aforementioned phone number was provided as their callback number. 

On XXXX XXXX, 2016, my sister received mail addressed to me and in the envelope window the following text was visible : " Please call Pioneer Credit Recovery , Inc. at ... '' General Revenue Corporation and Pioneer Credit Recovery , Inc. are both subsidiaries of Navient Corporation and they share the same mailing address. 

I have never given Navient Corporation consent to communicate with third parties. I have never lived at my sister 's address, I have never provided anyone my sister 's address as my own address, and my sister and I have never shared the same address as adults. 

This mail violates XXXX U.S.C. 1692b by communicating with a third party more than once and by using language disclosing to a third party that it 's a debt collection business. 

It also violates 15 U.S.C. 1692c by communicating with a third party without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 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: AZ

Complaint narrative:
I was XXXX in XXXX XXXX. This past XXXX, XXXX student loans accepted my Federal XXXX determination and discharged my private student loan ( my doctor also completed their form ) but Navient Student Loans ( previously XXXX XXXX at the time the loan was taken out in XXXX ) has refused. I am still in need of XXXX and can not work full time. I also attended the XXXX XXXX of XXXX. Navient refuses to even consider me for deferment or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XXXX XXXX, 2015, an attempt was made over the phone to enter into a 15 month interest rate reduction for XXXX private student loans provided by Navient. The lender agreed to process the application for the reduction with the condition that a payment be made in the immediate to bring the account current. The borrower ( currently in financial hardship ) advised that a payment would /could be me made upon acceptance into the program, due to limited fund availability. The lender refused to process the application for the program until a payment was made. Borrower is left without any alternatives and lender is unwilling to provide assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is the 5th time in 4 years that I have submitted a request with the required documentation to Bank of America to modify my XXXX mortgage. The previous reasons for decline have been : 1.I make too much . 2. I do n't make enough money. 3. This is n't my primary residence. 4. I am not delinquent. It seems to me that BofA is not reviewing my request ( s ) in good faith. Because their stated reasons make no sense. How can I make too much money and then not make enough $ when my income has not changed except for XXXX over the past 5+ years. I have lived in this house exclusively for almost 20 years. I was not delinquent because of the fear of foreclosure, since this is my ONLY residence. I have become delinquent simply to comply with their last request, but only 1 payment. I have asked them to change my due date from the XXXX of the month to the XXXX of the month to coincide with my soc security. They said that they could n't, therefore I 've accrued multiple late charges. As a result, I have been forced to file bankruptcy. I have completely lost faith in BofA, therefore I am filing this complaint and seeking as much help as possible for them to honestly and professionally review my request for a modification. I was steered into this predatory 6.25 % interest only loan for 10 years in XX/XX/XXXX at which time my payments will increase about XXXX %, in XX/XX/XXXX from {$1000.00} to XXXX+/-. Because of BofA 's indifference, I am forced to file Bankruptcy. Included in my income is VA XXXX ( significant hearing loss ). When asked for a BoA manager to review my situation, I was transferred to XXXX XXXX, who admitted that he was new at the job, therefore had his XXXX with him. When I told my story they seemed uninterested and felt that since they were in a position of power, they excitedly said they would foreclose rather than review or entertain my situation. Unprofessional and uncompassionate to say the least. 
Thank you for listening to 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 2016-06-27 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: CA

Complaint narrative:
XXXX XXXX me into around {$45000.00} in student loans, and now i have debt with high monthly payments and no work in my field of study. I have worked paycheck to paycheck since i graduated XXXX 2011, and still have zero luck in finding a decent job. i somehow managed to pay $ XXXX- {$18000.00}, but i also worked side jobs to manage my bills.

Company response to consumer: Closed with explanation