vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have been battling with Bank of America/Credit Protection Plus for years and have had enough. I have been passed from person to person without any hint of a resolution and the ordeal has ruined my credit and been an incredible burden on me. 

While I was in college I racked up my credit card bill close to it 's upper limit of {$8000.00}. Not wanting to carry a balance or gain interest, I paid off the balance of my credit card ( all at once ) with the exception of the $ 1000+ I had been charged in Credit Protection Plus against my permission ( and had asked repeatedly to be removed from ). I tried, and tried and tried to get them to take these charges off, and get them to stop charging me for CPP - both before and after I paid off my card. Even after I paid off my card and talked to many people about my issue, they did not remove me from the CPP program and my bill crept back up as a result of recurring CPP charges and interest/late fees on the initial CPP charges I left open. I asked them to provide me proof that I enrolled in the program and they could not. I do n't remember enrolling in the program and they certainly did not remove me from the program despite many requests. Thier defense was that I was enrolled in the program for quite some time so I could n't just backtrack those charges. As a college student, it took me awhile to initially catch on to the fact that I was being charged for this service as I had never requested it to begin with. I should have been more aware and on top of it but I was a college student who racked up her bill to nearly {$8000.00} so I was n't going through my bill with a fine tooth comb. 

Frustrated from hours of unhelpful phone calls and unwilling to pay for something I did n't sign up for, I pushed it aside. Recently the other members of my family all received large refunds in the CPP class action lawsuit but I was not included in this suit because I refused to pay from the beginning. I did not realized how bad this actually affected me until I applied for a credit card and was rejected. I got a credit report and found that my account had been 'Key Delinquency ' for years because of this dispute. It ruined my credit and made it impossible for me to get a credit card, buy a car or a house. 

I wish this had n't snowballed into what it is now but I spent so much time dealing with so little impact that I essentially gave up on it. I have now read up on it, found this website, am aware of my rights and realize I do n't have to fight this alone with a large corporation. 

I want to these charges to be removed and my credit to be restored so that I can live my life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I applied to a captial one XXXX card. On the application website ( http : //www.capitalone.com/credit-cards/quicksilver/ ) it clearly stated that it 's a XXXX signature card. When I got the card it turned out to be a XXXX platinum card. I called capital one asking why, and I got the answer that not all capital one comes with XXXX signature. I could n't find this information anywhere on the application website, so itself seems to be a fraud to me, but ok I accept that. I then asked if I can upgrade to a XXXX signature card. They said I might be able to but I need to meet a certain requirements, but they neither would let me know what the requirements are nor would let me know if I am qualified for it. How should I upgrade to a XXXX signature card if I do n't even know whether I meet the requirement? And why I got a non-signature card in the first place if the requirement is non-transparent?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Failure to address fraudulent charges and multiple false promises from customer support. On XXXX XXXX I became aware of multiple fraudulent charges on my debit card. I contacted Bank of America and, after spending over an hour on the phone was assured of that : all the charges would be removed by the next day ; the card had been shut down so no further charges were possible ; and I would receive a replacement card by XXXX XXXX. On XXXX XXXX I checked my account online and discovered that not only had none of the fraudulent charges been removed but several more had appeared. I called again, and after spending nearly XXXX hours on the phone ( including an escalation to the 'Customer Advocate Team ' ) the same promises were reiterated. On XXXX XXXX I discovered several more fraudulent charges ( XXXX of which were dated after the card was allegedly shut down. ) I called in yet again and, after an extended hold time, had to waste even more time arguing with a rep who claimed crediting back fraudulent charges takes 3 business days ( even though I had seen it done immediately the day before ) acknowledging that was false and processing the claim. Additionally, even though I had been repeatedly promised no further charges would post I was then told that was false and fraudulent charges which had previously been removed could repost at anytime. Additionally on XXXX XXXX I was promised that a replacement card would be sent out immediately for delivery no later than XXXX XXXX. When I did not receive it I had to waste still more time on the phone before being told it had not been sent for over 24 hours after I was told it would be and would n't be delivered until XXXX XXXX at the earliest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 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: GA

Complaint narrative:
I attended XXXX XXXX University in XXXX XXXX, Florida. Went through a divorce and filed bankruptcy due to the new bankruptcy law in XXXX private loan are not discharge unless extremely hardship. After my bankruptcy discharge I contact my federal student loan to make arrangement to pay by income-based which is fine. Couple of months later my private loan lender sender me a notice that my forbearance had ended and send me payment due for XXXX % more than what I was paying my federal student loan which is double amount owed. So I did a request for repayment option on all three of my private student loans it was denied saying that I have used the maximum time allowed. There the existing repayments plan remain in place since then I made a payment each month not what they want but I pay them four time amount of my federal loan amount until last month. It my fault I missed sending payment in for XXXX XXXX. On XXXX/XXXX/XXXX Navient staff and employee XXXX XXXX had snoop to the point of calling my place employment this number is not listed as a contact number. On XXXX/XXXX/XXXX one of my co-workers gave me a message from Navient XXXX XXXX called XXXX ext. XXXX. I called the next day when I received the message. XXXX XXXX was not in yet so I talked to XXXX XXXX and I had verify my credentials and she said all they want is a payment and I told her all I want for you to not call my place of employment. You 're calling my house and cell phone constantly all time of night and weekends now you are harassing me on my job. I told her to take me to court and quit calling my job she said as long as I owed them money the law said they have the right to call my job until I pay. I told her I am going to report them she said she going to put me down as refusal to pay and I hang up the phone. At noon this same day XXXX XXXX called for me and my co-worker transfer me the phone and said I told him I told your guys not to call my job and said I do n't want to hear about I need you verify your information first then he proceed to talk about payment and said I told you I am at work and said then you need to called me and make arrangement to pay. I said he cut me off and said well when are going to called me. I have been paying on these loans it may not be as much as they want but this does not give them the right to call and harass me on my job when I ask them not to call me there. Why these private student loan companies was given special privileges protection during bankruptcy proceeding had went to their deep pockets and they do n't care what methods used to harass us get their money

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

Complaint narrative:
I graduated with a XXXX XXXX in XXXX and began paying on my student loans shortly thereafter. As such, I was counting on having my loans paid off by the 20 year mark this year, XXXX. In XXXX, XXXX I called Navient who was my loan servicer to confirm my payoff date and was informed that I had consented to a " Refinance '' into a " Right Rate '' loan product in XXXX. As I could not recall doing such a refinance, I asked the representative to send me a copy of any and all documents relating to the transaction. Navient sent out a Promissory note with a signature that was not mine. It was my name on the promissory note, but the signature was not mine as I had never consented in writing or otherwise to a refinance. I called to dispute the details of the promissory note and the extended re-payment terms, but the representative said there was nothing he could do about it. In XXXX, XXXX I moved my loans to XXXX XXXX. I feel as though I was defrauded by Navient resulting in thousands of dollars more in payments and that the remainder of the loan should be dismissed or forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been receiving harassing phone calls from Navient. They claim they 're calling to collect a student loan debt, but I am in school and all of my loans are in deferment. I have also asked them repeatedly to stop calling my cell phone, but they refuse to stop. I was also advised today by a representative that they will continue to call me and there was nothing I can do about it. They call me everyday at least XXXX times a day, and I can not deal with it. I have tried blocking the numbers they call from on my iPhone, but the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Deposited my payroll check on XXXX XXXX. Funds were placed on hold until XXXX XXXX ; checked account on Friday, XXXX XXXX and saw that an additional hold was placed on my check until the following Friday. Contacted Bank of America and was told they could not do anything ; I was not informed of the hold ahead of time, and I scheduled payments for Monday, XXXX XXXX, which have subsequently been returned, and drawn my account further in overdraft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
FIA CARD SERVICES HAVE VIOLATED F.C.R.A.-FDCPA, UNLAWFULLY REINSERTING XXXX ACCOUNTS ONTO MY XXXX CREDIT PROFILE SEVERAL TIMES WITHOUT 5 DAY NOTICE TO CONSUMER.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received a dunning letter from a XXXX part debt collector. I attempted to get validation of debt from them by sending XXXX letters to them. I did not receive a satisfactory response. I then sent them an estoppel letter. ( see attached ). 

This debt collector unbeknownst to me filed an action in XXXX XXXX XXXX courthouse acting as if they were representing Bank of America, this was fraud on the court. 

I just discovered a default judgement was entered in XXXX XXXX XXXX XXXX for a debt that was discharged in my wife 's bankruptcy in 2013 as evidenced by her credit report. 

These XXXX party debt collectors are posing as attorney 's representing Bank of America, when in fact they are nothing but interlopers that purchased this old debt for pennies on the dollar and are now attempting to collect the entire amount. 

I was not properly served by a sheriff as required and as a result a default judgement was entered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/2016 at approximately XXXX ; I went to the remote kiosk Bank of America ATM XXXX XXXX ) in XXXX XXXX to deposit cash, as I frequently do at this ATM. I entered my card and pin #, deposited my {$250.00} cash ... then the screen went back to the home screen as if nothing had been done.The machine did not return my card nor provide me with a receipt. I immediately called the ATM hotline number XXXX XXXX ) listed on the bottom of kiosk to report the problem. The representative ( XXXX TX ) I spoke with acknowledged that there was problem and cited an error message. He then attempted to " refresh '' the machine remotely, with no success. He said he was dispatching a technician immediately, but it could take up to 4 hours. He did state he would note the issues and our conversation on my account.He said this type of this type of thing " happens all the time '' and not to worry. He did close the card lost in the ATM and ordered a new XXXX.However I was not comfortable with his cavalier attitude toward the problem at the ATM ; after all he was n't the XXXX loosing the {$250.00}, so I called back. I was placed on hold for 45min when I was finally connected with another customer service rep ( XXXX AK ) in the fraud department. She said there were no notes placed on my account of any issues nor was there a record of my deposit.It did not seam as if she understood the nature of my phone call ; I know this because she continually asked me for the card number of the card that was stuck in the ATM and kept making refence to a {$250.00} deposit I made on XXXX/XXXX/2016. However she did say she would take my statement and apply a credit while it was being researched. Again my confidence was low with her ability to notate the problem correctly, and rectify the situation. I was correct ... .I called the following morning and according to the customer service rep XXXX XXXX XXXX ) there was not claim started. Again I went through the entire scenario and I believe it was corrected at that point. Now three weeks later Bank of America is debiting my account {$250.00}, stating there was no problem with the ATM. Which is untrue ; my original contact at BoA ( XXXX ) said he could see the ATM was malfunctioning due to the error message signal he got after keying in XXXX, which corresponded to the ATM I used. 
The customer service at Bank of America has caused me many problems and money, and this is just the latest issue! 
XXXX XXXX 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 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
The debt was resulted from Identity theft i do not have knowledge of the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: NC

Complaint narrative:
Navient has my student loan the loan was for XXXX I think not really sure now it is over XXXX now and I did n't even get to finish and the school is now closed XXXX XXXX which turned out to be a bust I need some kind of help to get rid of this debt I was making payments of XXXX a month until my tax check was being taken for student loans for the past three year but my loan keeps getting higher so I 'm guessing my payments were not being applied because I got a letter saying my tax check would not be taken as long as I was making a payment but it has for the last three years I really need my money I 'm a XXXX an hour At XXXX XXXX I went online at home you could never get help from the teachers my bill that comes in the mail says I owe XXXX and on the phone it 's over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America charging me for late payments when they are not late. and hurting my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have received a letter stating that my Bank of America card was closed due to a pattern of late payments on accounts with other creditors and there are too many accounts with balances. I called Bank of America and was informed that I would be unable to open my account. This account has been in good standing with no late payments since early 2011. The credit card was used to it 's full limit and completely paid off on several occasions and is currently carrying a balance. Bank of America closed the account days after I made a payment of {$1000.00} against the card. I typically use the card for business expenses and am left far short due to their actions.

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 2015-03-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
Navient calls between XXXX times every single day. I have tried to talk and work out a plan until our financial situation improves in two months when we can resume normal payments to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I was admitted to XXXX XXXX XXXX XXXX back in XXXX XXXX. A few months went by and I received a letter from CMRE Financial Services, which is a debt collector. Turns out that the Emergency Room put me down as having XXXX XXXX insurance rather than the insurance I had which was XXXX XXXX XXXX XXXX. The Hospital portion was paid through my insurance however, the physicians bill has not been paid yet. I have been dealing with the collections agent since XXXX or XXXX XXXX and the status has still been the same : " we are billing your insurance ''. I have XXXX inquiries on my credit until this issue arose and I am trying to work with the collection agency to try and resolve this problem however no one is willing to help. I dont understand why it is in the same status and every time I call they tell me the same thing " we are working on it and we are billing your insurance ''. I tried calling the hospitals billing department and they said they could n't help because it is not with the collections agency. I tried calling my insurance and they cant do anything until the collections agency sends them a bill. I am very frustrated at this situation and I am reaching out for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: LA

Complaint narrative:
I need Navient Corporation to tell me how/why I have paid them over {$18000.00} in interest on a {$31000.00} loan and my balance has still not gone down. I was set up for automatic payments and was NEVER late for a payment ... I paid on time for years! I submitted a complaint a few weeks ago and Navient 's response was that they were " unable to speak about servicing that occurred on the loan after XXXX XXXX, 2015. '' I need to then to speak on what happened with ALL of my loan payments that happened PRIOR to XXXX XXXX, 2015. 
I am now in forbearance because I can not afford to keep shelling out money and my balance not go down. This is ridiculous and has to be illegal!!!

Company response to consumer: Closed with explanation