vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
on XX/XX/XXXX I called bank of america and requested a new credit card. the old card I still had but never activated it and it expired in XX/XX/XXXX. I endured over 30 minutes of being asked asinine questions and being out on hold. after 30 minutes I told them what hey could do with their card! one question was what was your pets name that you last purchased poet insurance for? I explained I had had a pet for over 15 years! this was supposedly to verify who I was! I had the old freaking card in my hand! 
I wrote XXXX XXXX the ceo the first letter on XX/XX/XXXX. XXXX XXXX called from their enterprise resolutions department. I explained what had happened. she said she 'd research my concerns and call me back. SHE NEVER CALLED BACK! I sent XXXX the second letter on XX/XX/XXXX then a nedra called on XX/XX/XXXX. I went thru the dog and pony show all over again. she said she 'd research my compliant and call me back she also said tha I RECEIVED A LETTER AND PACKET FROM MCGRAFF. HAD THAT REALLY HAPPENED I WOULD N'T HAVE HAD A NEED TO SEND XXXX THE SECOND LETTER!!! she called back on XX/XX/XXXX and said she COULD N'T HELP ME I HAD TO REDO THE DOG AND PONY SHOW WITH THEIR VERIFICATION DEPART ALL OVER AGAIN. I POLITEY TOLD HER WHAT BANK OF AMERICA COULD DO WITH THEIR CREDIT CARD! 
I received a copy of my credit report dated XX/XX/XXXX. it listed bank of America as a OPEN AND VALID ACCOUNT IN GOOD STANDING. ALL I WANTED WAS A NEW FREAKING CARD! I might add that I got the bank of america card because ll bean had them as their servicer for their ll bean cards. they switched to XXXX about 5 years ago, hence the reason I was n't using my ban of America card! bank of America 's reps even said my account was in good standing. is this what our banks are allowed to do to their clients? thank you.

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 2016-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: MD

Complaint narrative:
I received a letter from XXXX, agent for Jefferson Systems Collections LLC on XXXX XXXX, XXXX. I subsequently sent XXXX requests for debt verification, the first denied as being received by XXXX and the second mailed Express Mail USPS and delivered on on XXXX and available for pickup ever since this date. Please make note of letter as the is address I mailed validation letter to as it is the address outlined in header. I addition, I also contacted the State of MD to further determine if XXXX was a license collection agency in the state and confirmed that is was not a licensed collector in MD. Convergence, who I contacted via USPS and phone is. However, they directed me to XXXX for follow-up surrounding the status of the debt verification and why they reported a debt that had been requested to be validated. XXXX 's agent who is a licensed debt collector in MD would not assist me or my daughter and frankly gave us the run around. Upon reaching, XXXX via phone, I was instructed that they were a debt collector and they did not have any information surrounding the credit reporting done by them and back dated to XXXX. I receive alerts due to experiencing identity theft and was alerted on XXXX/XXXX/XXXX that a " new '' entry was added to my credit report. As a consumer, I have the right to request validation of a debt within 30 days of receiving notice of supposed obligation, Jefferson and its agent XXXX, denied me my rights and subsequently, I have sent a cease and desist letter, a request for full verification of the alleged debt. Instead, Jefferson and its agent resorted in shady tactics and denied me my right within the first 30 days or receiving a collection notice validation of alleged debt. I have be adversely impacted and suffered.

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

Complaint narrative:
While my loan was with XXXX XXXX I received information that if all payments were made timely, several months of payments would be forgiven. After uploading several documents to the Navient site and having multiple phone calls with them, I was told the program did not apply to my loan anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was in the process of being foreclosed on I paid ALL costs on reinstatement costs however, the following week after paying Bank is saying I still have a negative Escrow balance. The final figures are NOT accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America had an event for Home owners in trouble with their Mortgage.I drove XXXX hrs to attend the event.My wife went from unemployment to part time to full time on her job.I am an Veteran on XXXX XXXX. The first agent we had was XXXX XXXX we explain to him we wanted to apply to the unemployment fund.We kept sending the paper work that she was receiving benefits.The Bank said we was not sending the right paper work, That was the only paper work we had.We went to my wife` retirement plan to with draw XXXX payments to catch up on the mortgage payments. Now instead of helping us we went back into the Bank` pool. case closed.We receive a {$5000.00} XXXX Bill from water and power.I went to the event where we receive XXXX XXXX for our agent we sent in all paper work that was asked for.The help we receive was visits from people from the Bank looking at our home.Our neighbor making sure we receive the letter from from Bank of America than calling someone.Someone in this neighbor works with Bank of America and is watching our Mortgage payments.We have reach out to home save California where they found a Tax Lien now payments are being made for XXXX a month. that we are making so we are waiting for them to help us.What I don`t understand is why the only help XXXX XXXX says we can receive is a Short Sale on our home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03 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: FL

Complaint narrative:
I can not get my payment low enough to be realistic no matter what type of repayment plan i select. I make just about XXXX a year and when I choose income driven plan they are expecting me to pay ~XXXX a month. This doesnt factor in my other types of loans. After taxes i take home about XXXX a month .. XXXX goes to rent. XXXX to car payment. XXXX to car insurance. Then I have to add in healthcare cost, utilities and just simply being able to FEED myself Ive bene struggling with these loans since I first graduated and no matter what I do they come back with some outrageous number they want me to pay a month that I simply can not afford. Their response to this is to suggest deferment .. which only ends up increasing the loan balance. They 've already wreaked havok on my credit score. I just really do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital is showing up on my credit report. I contacted them and they told me another company ( diversified ) who they outsource has my account and they can not help me. I called the company they stated and reached a settlement of XXXX and something dollars. I paid half and was suppose to call back in 2 weeks and pay the remainder. So I did. Once I spoke to them they told, me they didnt have my account anymore and that it went to a different company which Jefferson capital also outsources and now this new company wants to charge me the full amount which im not even to sure its mine! I paid diversified and I dont even think my money was put towards the money indicated i owed. Why did i pay? Because I was trying to fix my credit and just wanted it to be over

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10 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: MD

Complaint narrative:
I borrowed from XXXX towards my XXXX education at a XXXX DC university. While I defaulted on my loan payments in XXXX, I reached a settlement of my debts via a separate debt collection agency in XXXX, which I fulfilled completely by XXXX XXXX, per the settlement agreement. However, the collection agency claimed I still had outstanding debt, and when I asked for them to produce evidence of said debt, they refused. Since then, a handful of rotating debt collection agencies have sequentially attempted to collect this already-settled-and-paid debt. Most recently, I have received phone calls from an agency with no written correspondence to identify the presumed debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I had to put a new roof on my house last month do to wind and hail damage. I have paid out of pocket for the repairs. I have XXXX statefarm checks for settlement less than what I have paid out. Bank of America 's XXXX web page did not lead me to property claim processing. So I called them. They said go to XXXX which I have for the last 3 days the last XXXX web page unavailable. Before the web page went down there were XXXX more PDF documents to be printed and sent to XXXX XXXX, California for check endorsement. The customer service reviews were horrid. With the web page down I want a local officer in a branch to endorse the checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
am having an extreme problem with my credit card. Following is the sequence of events that have occurred to date : Called Bank of American spoke to XXXX XXXX around XXXX XXXX about rates for a balance transfer. He informed me that he could offer me a rate of 3.99 % for 1 year. He also stated that he did not know how long this offer would be available and that if I wanted to go ahead and make the transfer from my XXXX account in the amount of {$4800.00} to BOA I could do so and if I changed my mind the transfer would not go thru as long as I called back before the following Monday. 

On XX/XX/2015 I called and spoke to XXXX XXXX and told him that I had changed my mind and did not want to do the transfer. It occured anyway. 

I called on XX/XX/2015 and spoke to XXXX XXXX and he said it would be taken care of and that they would transfer the balance back to BOA with a 0 % rate for 1 year. This did occur but in checking my XXXX statement they made the payment but then BOA sent it back to XXXX in the amount of {$4800.00}. 

My original balance on my BOA card was {$4500.00} with the balance transfer of XXXX that brought my balance to {$9400.00} But instead of having a XXXX balance on my XXXX XXXX, which was the goal, I now have an additional balance of XXXX that I do not owe which BOA ca n't seem to explain. 

I have spent a considerable amount of time and money in an attempt to get this resolved and it is not only frustrating but very unsettling that such incompetence is in charge of my money. 
No doubt this will also have an affect on my credit report as well as my interest rate with XXXX. 
Could you please check into this and get it resolved for me? I ca n't get through to BOA and they really do not seem to care. 



Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX, 2017 I contacted Bank of America regarding a damaged credit debit visa card ending in XXXX due to a careless mail carrier bending the card. I spoke with the agent approx XXXX and requested they send me another card with the same card number that agent assured me there would be no changes and my new card would be mailed and I could continue using my old card. On XXXX/XXXX/17 I tried to pay a bill with my old card and I received an error message that said payment unsuccessful I immediately contacted BOA approx XXXX and was informed that the agent instead reported my card lost/stolen locked it and issued an entirely new card without my notice. I am livid. I escalated the call to a supervisor to confirm my conversation with the agent XXXX who stated he would notate the account that if I incur any fees the bank will be held liable the supervisor confirmed notation and then promised she 'd expedite my new card and I 'd receive it Friday morning. On XXXX/XXXX/17 the Card was NOT delivered. I called BOA for a third time approx XXXX and this agent informed me that the supervisor indeed expedited the card but the request had not gone in until XXXX Thursday night. I was too upset to continue the call I hung up. The card was not RECEIVED TILL SATURDAY AND I WAS UNABLE TO ACTIVATE IT BECUASE IT CONTINUED TO COME BACK READ AS AN UNRECOGNIZED NUMBER! I tried to use my card ending in XXXX for groceries and was utterly embarrassed BECUASE it came back declined!! SO, I HAVE XXXX BANK CARDS THAT ARE INVALID. NONE IN WHICH I COULD USE. So, I 've been with limited funds since Wednesday XXXX/XXXX/17. I demand an apology and some type of compensation for the stress, inconvenience, embarrassment, and pure neglect on BOA behalf.

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 2017-02-24 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: OH

Complaint narrative:
I have several problems with Navient in handling my student loans. 
1. My original loan amount was {$4400.00}. It is now up to {$76000.00} due to the company encouraging me to apply for a forbearance or " hardship '' deferment. 
2. I have made several payments ( via different methods i.e. online, over the phone, mail ) and they have either applied the wrong amount to my loans, or given me to wrong amount to pay, or charged a late fee for a payment that was not late. 
3. I was not told that I need to renew the Income Based Repayment Plan I was on and therefore my payment was changed and then charged as late. 
4. I am supposedly reported to pay {$500.00} a month. Only {$100.00} of that goes to principle and the remain {$400.00} goes to interest. 
5. When I have been late on a payment they have called my parents, cousins, and even ex-husband asking for them to make a payment. They have called exactly 21 times in one day ; oftenn one call right after another. They call as early as XXXX on Saturday and Sunday mornings and then as late as XXXX every night of the week. 
It seems like the more I try to pay and stay on top of my financial obligations with them the more they charge me or effect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 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:
Because I am set up in this reduced interest rate program with Navient, what happened is, as they have been taking payments out of my account and applying it, but I do n't know exactly how its being dispersed to all my loans, and because I 'm set up with auto-pay, I have never had any control over it. I just pay my monthly amount and they are supposed to apply it to my loan amounts accordingly. The website does n't have any detailed situation information and I have never gotten a document. All I know is that I owe XXXX a month and they automatically deduct it from my bank account and apply it to my loan. However, since we set up this payment plan, they have n't been applying enough money towards XXXX of my loans, and too much towards another loan. They have been calling 3-4 times a day during the week and weekends and sometimes late in the evening. I was confused because I had been making payments but because departments do n't seem to communicate very well at Navient, I was left with having to explain the program I was in to then get the response 'oh, yeah you are all caught up with payments, apologies we did n't see that. ' But now I have just discovered that they have n't been applying my payment properly, therefore we got dinged on our reports ( my and my cosigners ) which is really a major score drop. This not being the only quirky thing I have been dealing with, I believe Navient needs to be regulated because they clearly can not handle their customers money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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.

Complaint narrative:
Dear sir or madam, I have XXXX federal consolidation loans with Navient, which I have been paying in good faith since XX/XX/XXXX. Due to recent information that has come to light, I believe Navient has stolen money from me and acted fraudulently over the last few years. 
First, Navient claims that XXXX years ago I chose a graduated repayment program, in which only interest would be paid back for the first XXXX years. I did not knowingly choose this repayment plan, and I never would have. They did not inform me that I was only paying back interest, not principle. This came to light about a month ago ( XX/XX/XXXX ), when my monthly bill increased without warning by nearly {$70.00}. I immediately contacted Navient, who claimed that I had been informed of this change in an email in XX/XX/XXXX. I did indeed receive an email titled " change in terms '' on XX/XX/XXXX but there was no information in the email or attached. I was not informed by email or post for the XXXX years that I was unknowingly on the reduced-payment plan. 
Second, over the last year I have consistently paid more than the minimum monthly payment. For the last XXXX months, Navient has applied my entire payment to " interest '', including the extra money. I asked them what happened to the extra money I paid, but they avoided answering the question, telling me over and over that I had chosen an " interest-only repayment plan ''. I can not imagine how it can be legal for them to apply money above the monthly minimum to interest, not principle. I believe they have stolen it. 
Third, I was forced several times to put the loan into forbearance because I was in a bad financial situation. Navient/XXXX always told me that I was not eligible for deferment, even when I was still in school or unemployed. They have thus added {$6000.00} of capitalized interest to my original principle, although I have always paid in good faith. I should have been eligible for deferment at least some of the time. 
I have tried to negotiate with Navient, but they will not cooperate with me. I have informed them that I am ceasing all payment on the loans until we can come to an agreement, but they will not back down. I can not in good conscience continue to pay a company that is stealing money from me, and fraudulently signed me up for a payment plan that I did not want. 
I hope that you can help me resolve this situation. 
Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
For at least six years I have had XXXX collection agency after another call me about a debt with someone with the same first and last name but a different middle initial and born in a different decade. How can I *PREEMPTIVILY* STOP ALL current, new and re-named collection agencies from calling me?!!!!!! They now have my very private cell number. I am retired with ZERO debt with ANYONE!!! This is unacceptable and I am XXXX tired of this XXXX. HOW CAN I STOP ALL -- ALL -- DEBT COLLECTION AGENCIES FROM CALLING? I am on ALL NO-Call lists. Is there no NO-Call list for people who owe NO-one ANYTHING???!!!!

Company response to consumer: Closed with explanation