vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-19 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: OH

Complaint narrative:
Navient has been unresponsive after I 've asked to speak with several managers. I have called them consistently since summertime as my automatic payments were not being taken out. They say it came back as NSF, but my bank says it was never billed. Then Navient admitted to having IT issues. Late fees, interest, you name it. After calling to resolve many times, they offered me payment options and promised to repair my credit damage of their reporting me. After making each payment, they would change the terms and tell me I had to pay additional money or pay this or that, and then they would rescind the negative info. I finally scraped up the money and paid what it said I was past due on after their lies - and the online account still shows I owe money as of XX/XX/XXXX and its XX/XX/XXXX - so my payment made on XX/XX/XXXX obviously did n't post although it was taken from my bank account. I called again today and requested that a manager call me back - nothing yet. Supposedly they record all calls - well, someone should listen to all the lies they 've been telling me over the months and changing the agreements. It is unethical and immoral. They are ruining students lives! Check the recordings and the call logs - I 'm the one who calls them! And if they ever seldom call me, they NEVER leave a voicemail but the recordings will prove they LIE and say they did leave a voicemails, and I dispute that and tell them they are lying directly. Listen to the recordings!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I never had a XXXX account of my own. My cousin had opened the account in my name using my social security number that he stole from 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 2015-09-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
1. Bank of America Credit Card account was closed on XXXX20152. From XXXX/XXXX/2015 thru XXXX/XXXX/2015 BofA continued to allow XXXX charges to closed account. I did forget to change the XXXX payment. However, BofA was not supposed to allow ANY purchases as I was guaranteed by XXXX ( BofA representative ) on XXXX/XXXX/2015 when I closed the account that NO OTHER CHARGES would be allowed at all. 
3. Contacted XXXX on XXXX/XXXX/2015 to get the payoff amount - he stated it would be {$2600.00}. 
4. XXXX/XXXX/2015 A payment was made in the amount of {$2600.00} was drafted from my credit union. The online platform showed a lesser amount, however, I paid the amount stated in # XXXX. Again, after the account was paid in full on XXXX/XXXX/2015 - Bank of America allowed another charge from XXXX on XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 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: MA

Complaint narrative:
I have a XXXX dollar student loan debt that Im unable to pay right now and they left a error on my credit report on missed payments from XX/XX/2011 that was defferred cause I was unable to pay. I will like this issue to be resolved by gettting a better repayment plan without being charged interest and also fixing and taking out the XXXX missed payments from the XXXX credit beaureas from XX/XX/2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX, I 'm writing on behalf of my mother XXXX XXXX, property address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
In XX/XX/XXXX, my mother was approached by a loan officer of Bank of America for a reverse mortgage. At the time, my mother was diagnosed and legally declared XXXX. The loan officer knowingly gave my mother a Reverse Mortgage while she was declared XXXX XX/XX/XXXX. 
At that time, in XX/XX/XXXX, my mother was not even living in the subject properly listed above. My mother living her Sister, XXXX XXXX. 
I recently spoke to a friend about my mom 's situation, and was told all the activities were done in XX/XX/XXXX was against the law and HUD/FHA guidelines. 
My mom 's property is now in jeopardy of a foreclosure if all he back taxes are not paid up by XXXX XXXX, XXXX. 
I really need your help looking into this matter and stop the foreclosure proceeding since the loan was not even supposed to given to my mother. 1. my mother was not XXXX at the time, and 2. she was not an occupant at the time. 
Any supported documents for my mother 's condition at the time can be provided to support my claim. 
Thank you so much for you time and assistance.

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 2015-05-07 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: VA

Complaint narrative:
XXXX children submitted a Power of Attorney form to the Bank of America office in XXXX XXXX, Virginia at least five weeks ago on a Saturday. The representative told us they would send a copy to their Legal Department for authentification and it would take about XXXX hours for a reply. Each week since I have called or gone to the bank and have been put off for XXXX reason or another. Five weeks is too long I believe. Can you Help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
During the term of my Mortgage loan with Bank of America. I have paid from time to time " Principle '' payments along with my regular monthly payment in each case Bank of America has misapplied these funds. Upon discovery I wrote them with their online interface to advise BOA of the same. Their response was that they would apply first to outstanding interest IF payments were late then principle owing for that payment then if the payment was on time they would apply principle. I was on time with my payment in every case, I specifically designated the payment I had chosen for Principle. The next time I logged on the option to pay principle online was removed. I inquited in their online interface asa to why? BOA responded that they had " issues '' with accounting on this option in the past. The next log on I again applied my usual payment and designated Principle only to discover that it had been applied to INTERST. You need to be aware that BOA is not applying payments in accordance with their agreed upon contractual arrangements.

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 2016-12-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I got notice on XXXX/XXXX/16 that there was suspected fraudulent use of my Bank of America credit card, which I applied for on XXXX/XXXX/16, but never received. I called immediately and failed a claim an closed the account. At that time, all {$1000.00} worth of charges were disputed and I filed a police report. On XXXX/XXXX/16, I received a bill for {$550.00}, including a {$75.00} annual fee. These charges included transactions from XXXX - XXXX, XXXX of which were made after the account was closed, totaling {$1500.00}. In addition, during that time, my cash credit limit was increased to {$1500.00} and my total credit limit was increased to {$5000.00}. I called for the 4th time to dispute these charges and wanted to know why charges were made two days after the account was closed and why the credit limit had been increased. The fraud specialist said she was removing the charges, but was unable to answer my questions. 
Although I will be relieved if I see these charges were actually removed and the account closed, this has caused an incredible amount of stress and taken several phone calls which have included being transferred three times, being placed on hold, having to repeatedly state my name, address, birthday, answer security questions, and explain the situation to each new person. The first person I called asked me to repeat my address FIVE times, wanted to know the code on the back of my card, the last XXXX digits of the card, and where I last used it. This was after I 'd repeatedly told him I 'd never seen the card, never received it, never used it. In addition, the line kept going dead and I 'd tell him I could n't hear him for up to 10 seconds at a time. I asked that he call me back on my cell phone, and he said he was almost done. I missed about 25 % of the conversation. 
This has been a most frustrating experience. I hope something will be done to train more competent representatives, who actually close an account upon request rather than leave it open and increase the credit limit. Being transferred multiple times, having to repeat myself, and receiving a bill for purchases made after the account was closed have made me feel like the thief is allowed to live it up while I 'm being punished time and again for something that was not my fault.

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 2017-03-29 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: The CBE Group, Inc.
State: GA

Complaint narrative:
The CBE Group , Inc. has continued to call me in an attempt to collect a {$27.00} debt that is not mine. I have instructed them by mail, email and by phone that the debt is not mine, that they are not to try to contact me further and that I have verified with XXXX that the account and debt in question is not in my name or related to me in ay way. I instructed CBE Group to follow up with XXXX and I also copied XXXX on the letter. The last call today came from XXXX ( XXXX GA ). The person from the collection agency refused to give me their name and continued to try to make a collection attempt even after I had told them that I had request in writing that they were not to contact me further to try to collect on a debt that was not mine. I have blocked numerous numbers associated with CBE Group but they then call at least once a day from a similar but different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
A former bookkeeper we fired opened credit accounts in our name. Bank of America is one of those accounts. We have sent police reports and FTC ID Theft notarized affidavits to Bank of America. BofA is not taking the action required under the FCRA to delete this fraudulent account from our XXXX credit file. Deleted from XXXX and XXXX, but not with 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 explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My interest rate has increased from 6.00 % to 7.4 % in a matter of a year an a half. Navient also continues to decrease my autopay amount making this a never ending repayment process. I have approximately {$10000.00} taken out from a different servicer and have only {$2800.00} left on the loan and my Navient loan which was {$5000.00} principal is only down to {$4100.00}. How is this possible if I started paying back the loans at the same time. It seems Navient is going to continue to bump up my interest rates so I am never able to pay off this loan. I believe this in unfair business tactics in order to continue to receive money from me,.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 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: NY

Complaint narrative:
On or about XXXX XXXX, after reviewing my XXXX XXXX credit report I noticed many erroneous information about an alleged debt that i owed XXXX XXXX XXXX XXXX XXXX ), so I disputed the allege debt with the XXXX XXXX credit reporting agency. About 30 days later XXXX XXXX mailed me a confirmation letter deleting the alleged student loan that I owed XXXX. I was delighted for a brief moment ; On or about XXXX, XXXX I requested for my annual free credit report from all XXXX major credit reporting agencies ( XXXX XXXX, XXXX, and XXXX ). When I received all of my reports, all XXXX listed the alleged debt owed to XXXX as permanently deleted from my credit report ; but now they listed a third party interloper as the Original creditor ( Sallie Mae/XXXX ). So on XXXX XXXX, XXXX I disputed the false information by sending XXXX XXXX credit reporting agency a notice of proof of claim of the alleged debt owed to Sallie Mae/ XXXX. Within thirty days XXXX XXXX purported that the alleged debt was verified and/or validated by a Sallie Mae representative. On XXXX XXXX, XXXX I contacted Sallie Mae student loan department and spoke with a representative about my displeasure of having there company list fraudulent information on my credit report with validating the allege debt. The representative requested some personal information about me, so she could search for any information on me in there system. After a few minutes the representative stated to me that there is no information about me in there system, thus to contact XXXX ; so I conceded. I instantly contacted XXXX and spoke with a representative, I gave the rep. my private information the matter and within a few moments the rep. stated that they had no information about on this alleged loan. Therefore, I personally called XXXX XXXX to speak with a rep. they stated that they would look into this matter further and file a direct dispute on my behalf in 10 days, so far I have not heard anything from this private-for-profit corporation which is not part or affiliated with the United States government. Nor is this 3rd party ( fictitious ) interloper has any wet-ink signatory binding a bilateral agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CT

Complaint narrative:
It is getting absolutely ridiculous how high my monthly payments are even on income repayment plan. It makes it difficult to pay other monthly bills ( mortgage, insurance, etc. ). My student loan debt has grown to over {$45000.00} from my original loan due to accrued interest and another interest language they have told me. It is very scary, I 'm going to be paying to who knows how long and most likely when I will be putting my children ( once I have them ) through school. How is that supposed to work??? Something has to change. Attached my monthly statements, yes plural. I have XXXX that amount to {$700.00} a month!!!!!! I

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a Bank of America Credit card which was compromised. I contacted Bank of America on or around XX/XX/2016 and informed them of all the unauthorized transactions. Bank of America has acknowledged these disputes however refuse to deduct the amount in dispute from my balance as required by Federal policy. Further, Bank of America has reported this inaccurate balance to XXXX, XXXX and XXXX, again in violation of Federal Policy. I have disputed this balance with the XXXX bureau mentioned.

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 2015-05-05 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Unified Global Group
State: TN

Complaint narrative:
I was contacted by XXXX XXXX on XXXX/XXXX/2015 inreguards to payday loan. man told me I had XXXX options to pay debt back. due to me unable to pay settlement on that date. I set up arrangement for XXXX payments of {$270.00}. I contact company today XXXX to see if I could be offered a settlement. after speaking with XXXX ( direct supervisor ) I was belittled and he then slammed phone on me. I called back and spoke with a XXXX XXXX who infmd me I am unable to do the settlement of {$320.00} that was offered to me before. I called again to get company information and was hung up on. I contacted again to get payments removed and man refused and hung up on me. 


I have already filed complaint on XXXX, and will be contacting a consumer rights attorney for FDCPA violations as well

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I am a victim of identity theft and someone stole my identity and personal information to open up a Visa credit card account with Bank of America. The following Bank of America Visa credit card account do not belong to me : XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have requested for loan modification to bank of America and was rejected. Yet my income is high and unable to meet with monthly payment. Instead of Bank of America working with me, they sold my loan to XXXX XXXX XXXX XXXX wihout completing modification. Bank of America wants to forclosed my house, because no one is happy with XXXX XXXX XXXX. Their primary duty is to complete a fast sale by employing fraudulent means.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-07-13 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:
I was assessed an overdraft fee by Bank of America in the amount of {$35.00}, even though I deposited funds to cover the potential overdraft. These types of fees are completely unnecessary and exploitative. Big banks like Bank of America, which earn XXXX dollars in revenue each year on the back of their hard-working customers, routinely exploit working people by charging unnecessary fees.

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 2015-12-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I recently attempted to cancel warranties for several watches purchased at my local Zales store back on or around XXXX of 2014, there are XXXX warranties in total. The watches were sold and no longer in my possession, prorated refunds should be issued. However, Zales reps refuse and state refunds are issued only when item is returned. The items could not be returned as they were purchased a year ago, they were sold and are no longer in my possession. I spoke with a XXXX at their corporate office today, he refused to issue refund and offered a XXXX dollar gift card in exchange, this does not begin to cover what was paid for warranties and was refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
Syndicated Office Systems d/b/a Central Finance Control has placed a collection on my credit report. This was placed on my credit report in XXXX 2016. I have not once received a phone call, notice, statement or any other information from this collection agency. I have called them countless time, mailed letters and send fax to this collection agency. Five months later I still do not and have not received anything about this debt that is on my credit report. 
I have without fail contacted this agency, my attorney has contacted them and neither of us can obtain any information on this debt they have placed on my credit report. 
The amount of this debt placed on my credit report is {$88.00}. I have faxes from myself and my attorney on this matter, letters mailed that were returned to me. Their customer Service Reps. will not speak with me nor with they comply with any request to mail me record of this debt.

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 2016-09-29 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: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 120 days past due as of XX/XX/2010 90 days past due as of XX/XX/2010, XX/XX/2010 Account Number : XXXX 120 days past due as of XX/XX/2010 90 days past due as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation