vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-17 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 've recently put a stop on a business check, and just to double check it 's in effect I called the bank to confirm and the representative told me not to worry, the check is stopped and funds will not be disbursed. XXXX days later, while checking recent transactions I saw that check amount being disbursed! I called and submitted a claim to the bank and was told I 'd hear back in a few days. A week goes by no one contacted me back, so I had to call the main hotline and spending over an hour on the line explaining my situation to numerous reps because I had been transferred so many times. Finally I was told it was an ACH wire transfer, and that the check was actually stopped. I was even more shocked and furious because I did not sign any wire transfer papers and this is 100 % fraud! I was told again to wait to hear back. Another week later, this is now 3 weeks nearly a month from the date that I called to stop the check, I still have n't heard back so I called again. After being transferred around again, I was told actually it was NOT an ACH wire transfer but that the check was cleared. My complaint is, why did n't anyone tell me that the check I put a stop to was cleared, and secondly, why is the bank telling me different answers? Is it an ACH fraud or is it a check that was cleared even though I stopped it? And if I stopped it, why was it cleared? I think it 's very neglectful of the bank and their reps are not trustworthy since they ca n't give the same answers back to their customers. I need the bank to admit they actually overlooked and cleared a check that was already stopped, and refund that amount back to my account.

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 2015-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I have received a mail dated back to XXXX/XXXX/2013 for a debt collection of the amount of {$170.00} from the Bank of America. 

I was never aware or notified of this debt by the bank. I believe this to be an unfair practice as I have never been notified or warned that this unknown debt would be sent straight to the collection agency XXXX XXXX XXXX. 

Not once have the collectors contacted me about this debt I owe to the Bank of America and now I receive this mail stating that I owe a certain amount without any reason as to why. If this were true and they communicated with me in an appropriate manner, I would have payed this off immediately without hesitating as this would affect my credit immensely.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: RI

Complaint narrative:
My student loans are held by Navient. I have had trouble with repayment since they became due. I have called Navient on numerous occasions, probably dozens of times, since my loans moved from XXXX XXXX to Navient, in an attempt to lower my payment or come up with a solution when I am not able to afford to make payments. The solution offered by Navient is always to put my loan on forbearance, and they usually suggest long forbearance periods, typically one year. 

Navient has failed over and over again to properly inform me of alternate repayment plans such as the income-based repayment plan, which I discovered by researching repayment plans online and found on XXXX. I have also found communications with Navient regarding repayment options to be anything but transparent, and have trouble understanding what my options are. Their verbal descriptions of repayment options over the phone have been confusing and misleading. I have even been told directly by Navient that placing my payments on an income-based repayment plan would increase my monthly payments and pressured to put it on a graduated repayment plan, which will result in unmanageable balloon payments as the due date draws closer. Again, when discussing these options, I am always pointed towards placing my loan in forbearance, which has resulted in interest being rolled back into the principal of my loans. My loans were due to begin repayment in XXXX, and now in XXXX, my balance is thousands of dollars higher than my original balance as a result of interest being rolled back into my principal. 

Although not directly related to Navient as my student loan servicer, it is notable that the first year when I took out loans ( in XXXX and at the age of XXXX ) my interest rate was at 2.5 %. In XXXX, my second year of study, and every year after, my interest rate was raised to 6.5 %, and I was not properly informed at the time by XXXX XXXX ( the servicer at the time ) or by my school of this increase, or of the consequences I would experience later as the result of a huge surge in my interest rate. This resulted in only one semester of loans at a 2.5 % interest rate, and the next 4 years of loans at 6.5 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
B of A is showing a home equity line of credit as still open on my XXXX and XXXX credit reports. that account ( XXXX ) was closed 7 years ago. It also shows that it was included in BK, which it was not. It should fall off of my credit profile in the next few months ... ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: CT

Complaint narrative:
For two years I checked my credit report and saw XXXX XXXX XXXX collections reported by Jefferson Capital Systems LLC on my report. XXXX for {$200.00} and the other XXXX for {$500.00}. I contacted Jefferson Capital on XXXX XXXX, 2016, and they referred me to XXXX XXXX XXXX to settle the debts. I paid {$100.00} using my debit card over the phone, and it was debited on XXXX XXXX, 2016. I requested to settle the {$500.00} account as well, the agent told me that there was no other accounts in collection. I contacted Jefferson Capital again, the agent I spoke to also told me that there was no other accounts in their system when she searched using my social security number. I went to the XXXX website and disputed the charge. Jefferson Cap. rejected my dispute and confirmed that my debt was legit. I called them again, and in some miraculous ways they found the account. On XXXX XXXX, 2016 I called and made a payment in the amount of {$170.00} that settled the account ( {$500.00} ) in full. Since I paid over the phone using my debit card again, the money was debited on XXXX XXXX, 2016. After that I requested for the debts to be deleted, and they were deleted by XXXX XXXX, 2016. On XXXX XXXX, 2016 I checked my credit report on XXXX and realized that XXXX XXXX. reported a new XXXX XXXX charge in the amount of {$330.00} to be collected. I called their phone number XXXX twice on XXXX XXXX and twice on XXXX XXXX, 2016. Their automated system says " no one is available to answer your call at this time '' on both occasions and the call just ended. I called XXXX to dispute the charge, although the agent assured me that it will be deleted within 24hrs, she also recommended that I file a complaint with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited from my XXXX checks from XXXX I see weekly with my Bank of America small business banking account ending in XXXX on XX/XX/XXXX. The bank has now placed a hold on all these checks since that time. I have consistently deposited checks over the past several years with Bank of America. As a XXXX with a XXXX, I rely on having money and checks deposited in my accounted and credited in a timely fashion. No reasonable explanation has been provided to me by the bank at this time.

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 2016-08-29 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX XXXX, I received a letter from XXXX, stating " Thank you for your payment arrangement. '' Neither XXXX nor I had made any payment arrangement with this collection agency. We called XXXX XXXX at XXXX and denied such arrangement. She passed the phone call to a Bank of America agent. We informed both the Bank of America and XXXX that we did not have a Bank of America card, neither did we ever give permission for this collection agent to enter our account. XXXX has removed from my bank account from XX/XX/XXXX-XX/XX/XXXX at least $ {$1800.00}. Although in my XXXX years I had not applied for my Annual Credit Report, I did immediately. It was then that I discovered that someone had maxed out XXXX credit cards beginning in XX/XX/XXXX. I applied through the Federal Gov. Identity Thief to take steps to remove all these fraudulent cards from my credit. I have an official XXXX XXXX Police Report. I have also submitted a report through you of a complaint with the XXXX XXXX XXXX ( # XXXX XXXX Bank of America ( # XXXX. Since I was unable to submit the actions of Bank of America 's relative to the collection agency XXXX I am submitting a second request. Although Bank of America has withdrawn itself from my credit reports, Bank of America has ignored my requests for my financial repayment. I have sent numerous letters, with identification, including official police reports. This has been XXXX -- including XXXX. I thought I had excellent credit only to find out someone had stolen my identity.

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 2015-05-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have been recieving phone calls from tons of different numbers from people who say they are from Navient solutions ( part of XXXX XXXX ). They said I attended school at XXXX XXXX in 2007 which i did not & did not recieve any money doing so. Nothing is on any of my credit reports from said loan but people call about XXXX to XXXX times a day offering several repayment options & the balance is never the same. Sometimes they tell me i have to pay the full balance other times they pffer a settlement. This said loan is 8+years old & no longer on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My server is Navient and this past year 2016 when i sent in all documentation in XX/XX/XXXX or XX/XX/XXXX for a recalculation of my income based repayment payment they started giving me the run around about not having all the documentation needed. I would speak to one rep who would say your payment is XXXX/month then i 'd get a bill for XXXX/month and this went round and round for 6 months with me being left on hold for over 30 minutes to wait to talk to a manager ( i would just hang up after 30 min because no one ever picked up on any call i made ), i would fax what they requested and be assured it would be taken care of only to keep getting bills for XXXX/month plus late fees and when calling i would be told they never received the fax or mailed copies. this went on until i started threatening to report them to any and every federal agency i could find then one day when i said that i finally spoke to a manager who cleared all late fees, and corrected my payment to be XXXX which is what i knew it should have been all along. But then after that the first bill i got was for more late fees and when i called they said it was from something else ( some other payment that was late and my payments were always within the grace period time, they were never late ). I then set up my bank to auto transfer my payments 5 days before due date so they could no longer try and say my payments were late. Even though they resolved my issue, it took 6 months and a lot of XXXX i did n't need and they did get some late fees from me which i should not have had to pay because of what i thought was incompetence but now i know it was just a scam to get money. i have all calls, dates, times and who i spoke with and what i was told all documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a discharged Bankruptcy from XX/XX/XXXX. 
Included was Bank of America account # XXXX for property address XXXX XXXX XXXX, MI XXXX. 
This account was discharged by a Judge. 
I have requested Bank of America to close the account more than 2 dozen times. 
I have filed XXXX Complaints. 
Engaged their Escalation department. 
Provided copies of my Chapter XXXX Discharge. 
They Continue to send me monthly statements with interest accruals and balance increases. 
They have place notices on the statements stating this is only for informational purposes ; however, have stated on the phone the loan needs to go through its normal process. 
They simply will not close out the account and continue to send sketch statemetns.

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 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I called and to let them know that I did n't have a job. I wanted them to put my loan in forbearance.They told that they could n't do that that, I would have to repay no matter what my circumstances. Not only was the agent nasty but down right mean. I had to agree to a repayment amount which I clearly could not repay. Even after I went over all my bills with the agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: NY

Complaint narrative:
To Whom It May Concern, In my attempts to pay off my loans with Navient early, they will not allow me to view my repayment allocation for the the years XXXX. My monthly repayment minimum was also reduced to extend my repayment timeframe even after purposeful extra payments to reduce it. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I OBTAINED A PRIVATE STUDENT LOAN FROM XXXX XXXX TO HELP WITH SOUTHWESTERN LAW SCHOOL IN XXXX XXXX. ABOUT A YEAR AGO XXXX XXXX AGREED TO GIVE ME A 12 MONTH FORBEARANCE DURING WHICH TIME I DID NOT HAVE TO MAKE PAYMENTS. THE FORBEARANCE ENDED EARLY AND I WAS NOT NOTIFIED. I CONTACTED NAVIENT, WHO AT SOME POINT DURING THE FORBEARANCE PERIOD TOOK OVER FOR XXXX XXXX. I SPOKED TO A FEW REPRESENTATIVES ON XXXX/XXXX/15 AND THEY AGREED TO EXTEND MY LOAN BY 20 YEARS. THAT SAME DAY, I MADE THE FIRST PAYMENT WITH MY CREDIT CARD. A WEEK LATER I GOT A CALL FROM A REPRESENTATIVE WHO TOLD ME NAVIENT WOULD NOT HONOR THE AGREEMENT. I RELIED ON THEIR REPRESENTATION THAT WE HAD AN AGREEMENT. THIS RELIANCE WAS TO MY DETRIMENT. THEY WERE DISHONEST WITH ME, IN VIOLATION OF THE FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I received Financial assistance from the hospital for all my hospital bills. I do not owe anything and have directly contacted the hospital to make sure. I keep getting phone calls from this third part and i do not owe a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I had student loans with XXXX. Then a company called me saying that I could pay XXXX dollars a month for a certain amount of time and my loans would be forgiven. I was lied to, after I paid the required amount my loans were then transferred to Navient. Who has mad e no effort to actually help me. I am a struggling single mother of XXXX children, I barely make enough money to pay my regular bills. I have tried giving them my XXXX information, tried giving them my XXXX information to prove to them that I do n't make enough money to pay {$400.00} a month on my student loans. They refuse to help me navigate, refuse to help me period. Their website wo n't allow for uploading documentation of proof of income or anything. And no matter how many times I call them to try and figure something out with them, the refuse to help me lower my payments, or allow me to place them in deferment status or even look into economic hardship status. They bombard me with calls about paying my loans, but no matter who I talk to, I get no help at all. They just want money I do n't have. My information was given to them by a company that was suppose to help me forgive my student loans.

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

Complaint narrative:
I was directed to use multiple forbearances by Navient instead of being directed to use an income driven repayment plan. I learned of the Income driven repayment plans from a friend instead of from the people servicing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
As a result of the Department of Justice Settlement with Bank of America, The bank has issued lien releases/loan forgiveness in XX/XX/2015 on XXXX out of XXXX of our properties included in chapter XXXX bankruptcy. All XXXX properties had line of credit loans with Bank of America. We 've requested that they also release lien/forgive the loan on our property of XXXX, New York as it is a XXXX property and was also included in the bankruptcy. As of today, the bank does not respond to our request. I 'm attaching all pertinent documents on this case.

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 2017-01-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
PLEASE DO NOT OVER LOOK!!!!!!!! THIS IS A NEW ISSUE ... FALSE CLAIM Capital One has continually tried to keep extorting me financially. In their last discovery they sighted an error on their part and claim to have adjusted my account by a {$150.00} credit in XXXX. That credit should have been applied to my XXXX payment. Which means that I do not owe for XXXX as they claim. 

Most recent discovery : On XXXX XXXX, 2016 they claim that they applied another credit to my account ; that credit should have been for the month of XXXX 2016. Which means that the month of XXXX payment has been satisfied. 

Capital One can not say that XXXX credit of {$170.00} was applied to XXXX because a payment was made for XXXX which they cashed. Therefore, giving all the payments and credits made for the 2016 year, how can the company still claim that I owe {$1200.00} for the same year and needs me to pay that before they can reinstate my account for monthly billing statement?? This is completely without merit. 
When credits are applied, should the credit not be applied to a particular month? Especially if you claim that the person is behind on the payment. So, what month did you apply the credits to??? 
I have called XXXX XXXX XXXX twice, from Office of the President, Financial Services Capital One. And, in both cases left him a message as always and he never called me back as always.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 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: CO

Complaint narrative:
I have been on economic deferment since I left college and my student loans are through XXXX XXXX XXXX, XXXX and Salle Mae. All of my loans are currently in good standing except for Salle Mae. They sent my loans to a secondary company that I was never able to call or contact. Every number I was given from the collection agencies and from XXXX to reach the secondary agency just lead to a phone number that listed offers for XXXX gift cards and XXXX services and then you could never get to an agent to try and find out why the debt had been sent there. I filed a dispute with a lawyer through XXXX services, but was never contacted again about if anything had come from it. Now there are XXXX loans in collections and they took my last years tax returns. Any attempt to file anything with Salle Mae was always difficult and I filed my documentation through FAFSA. My biggest concern is that SallyeMae had a secondary company it used that was unreachable and then they just had XXXX send my loans to a collection agency although I had filed forms with FAFSA for economic deferment and now they have gone so far the companies will not pull them back and the collection agencies do n't recognize economic deferment. I get countless calls a day from autodialers that do not leave voice mails and my tax returns are going to be taken again next year. Prior to this they in 2008 I was attending school and they were calling me telling me I had to repay my student loans although I was in school and was exempt.

Company response to consumer: Closed with explanation