vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of American is charging me for " residual interest '' but can not produce any documentation, disclosure or terms and conditions for the card, talking about this residual interest. 
The bank representative and manager told me I was supposed to hold on to the paperwork I got with my card when I first received it years ago ; they said that was the only way for me to get the information. I had this card for years and do not have this hard copy of the disclosure. They later told me I could get a copy of the disclosure if I applied again for the same card, because I would received another hard copy withthe new card. This did not make any sense. 

The representatives later admited that this information " could '' be in the paper bill but it is not in the e-Bill, which means costumers ( like myself ) who choose e-billing per the bank 's recommendations to go green, are not informed about this residual interest calculation either. So, I am being charged residual interest when I have no access to any information on it. 

I had a {$0.00} balance since XXXX/XXXX/16 and Bank of America charge me " residual interest '' in their statement for the cycle that closed on XXXX/XXXX/16, 3 weeks later. 

I had this card for years under the impression that as long as I paid off my balance before statement closed I did n't have to pay interest for that period. No one at Bank of America has been able to produce any documentation stating otherwise. 

I am being charged interest on a {$0.00} balance, based on policy changes that I was never informed about by Bank of America, and they refuse to provide any documentation related to these interest calculation practices. 

Thank you. 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 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
In review of my major CRA credit reports, I discovered XXXX XXXX XXXX ) collection accounts claimed by Portfolio Recovery Associates for delinquent credit card debt that should have been expunged from CRA reports no later than last year due to the " 7-1/2 year '' rule. In each instance, the collection agency " re-aged '' the debt to establish a new Date of Delinquency, obviously coinciding with the actual assumption date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 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: CT

Complaint narrative:
I came to this country all by myself years ago, because I really wanted to get an education. XXXX College was one of the few colleges that would accept me without a XXXX. 

They lied to me in so many ways, they told me I would be able to transfer my credits to any accredited college ( I knew I did n't want to stay in AZ ), quoted me a much lower tuition ( than what it ended up costing me ), promised to help find me a good job after graduation. 

I was working full time, and part time on weekends, plus going full time to college. 
And still I graduated as the XXXX of my class, such was my drive. Imagine my disappointment when all the jobs I was looking at started at {$7.00} and hour and even lower, some of these were recommended from the college to me. I could not survive on that and had to work in another field. Then when I tried to go back to school to further myself, I found out that my credits would not transfer, I was VERY disappointed and it really ended my dream of getting a master or more. I simply can not afford to take on more student loans. What added so much more stress to my life was that I had a co-signor and I was promised at the time I signed for the loans that if I pay 24 consecutive payments my co-signor would be removed, that never happened, I tried everything even paid an entire year ahead in full, still they would not remove her. This has put so much XXXX on my friend and our relationship. This school was a fraud from beginning to end.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 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: MI

Complaint narrative:
Calls up to XXXX times in a week, saying " If you do n't respond to our calls for our debt collection, we ca n't be responsible for you going to jail. '' What debt? I 've asked them who this XXXX or XXXX is, they get snotty with me, tell me to confess I 'm what 's his name and tell them my address, insert unknown name here. And then they 've said, " We 're just going to blow up your phone, so you might as well start by sending us XXXX XXXX dollars as your first payment. '' Payment for what? I do n't owe these clowns or anyone one else anything. Tell them to stop threatening me and stop making ANY contact!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I recieve 2-4 every single day for months and can not get them to stop. A message is never left and I have never received letter or any kind of mail from them. I am certain I do not owe any unpaid debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My parents took out a private student loan through XXXX XXXX in XXXX 2004. I was the XXXX co-borrower on the loan. It stared out as a {$22000.00} loan. I had asked that the loan be cancelled but my parents decided to keep it for their personal use. Throughout the years my family had defaulted a few times and has affected my credit. XXXX XXXX changed to Navient. When they switched over, Navient made a payment agreement with my parents to get back on track with their payments. My XXXX questions are : When this loan was refinanced through Navient, should n't I have been allowed to take my name off loan? I never signed off on any paperwork. 2 : I feel that there is something wrong mathematically as to why this {$22000.00} loan has a balance of {$39000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My loans are not consolidated so the total payments on the loan is way more than I can afford. I was told that I can not pay them down one at a time but had to pay them all at once. I went into forebearance because I could not afford the payments along with my daily living expenses. Even when my income was submitted in hopes of receiving an affordable payment, I was advised that I would need to pay XXXX per month to avoid default. I can not afford so forebearance was suggested. I went into foreberance and my loans have increased a whopping XXXX over the course of one year. I am digging a hole that I can not seem to get out of no matter how hard I try. Most people attend college as a means to better their life and make more money but if you have to pay all of the additional money you are now making back to student loans, what is the point of furthering your education? I grew up in a home where my parents could not afford for me to go to school. So I had to take out student loans and I am now regretting my entire decision to return to school. I have children that will be going to college within the next 10 years and with the amount that I owe, I will be unable to afford for my children to go to college and thus the vicious cycle begins again. I need help. This system is unfair to those who grew up less fortunate than others.

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: PA

Complaint narrative:
I started with just over {$70000.00} in XXXX XXXX loan debt that I repaid faithfully until a job loss in XXXX. I ended up on Social Security XXXX. I finally got off of XXXX, finding a job that was suitable for me. In XXXX I was repaying my XXXX XXXX loans at a rate of $ XXXX. My income was reviewed in XXXX the minimum payment they would accept was $ XXXX. Due to Navient 's suggestions of forebearance, because I could not pay the minimum amount due, I have accrued {$55000.00} in INTEREST bringing my total loans from {$70000.00} to a whopping {$120000.00}. Navient 's response, " There is nothing we can do for you until the laws are changed ''. XXXX XXXX loans are excluded from most income driven repayment plans. Instead of offering me a reasonable repayment amount ( $ XXXX ), their goal was to push my loan into forebearance, allowing them to accrue over {$55000.00} in interest now due. My payments went from $ XXXX to $ XXXX according to their " calculations '', even though my income did not double. I am stuck. Navient owns me. the only way to get out from under their heavy hand is to die. I have written many politicians over the years about this. No one cares. SOMEBODY PLEASE MAKE THEM FORGIVE THEIR LOAN SHARK INTEREST ACCRUALS, AND LET PARENT PLUS BORROWERS HAVE MORE OPTIONS FOR RE-PAYMENT. 
Thank you for bringing this situation out into the open. Navient is a XXXX. They do n't care who they kill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank Of America withdrew funds from my account without my knowledge or authorization. They claimed I owed XXXX on a reposessed RV, I disputed the debt XX/XX/XXXX. Bank of America did not provide written verification of the debt. Instead Bank of America made an unauthorized withdrawal of XXXX on XX/XX/2015. I am enclosing documents to show the dispute, unauthorized withdrawal and letter from my attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 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:
After becoming aware that XXXX accounts had been placed on my credit report by this agency, I contacted the agency requesting verification of this debt. The information provided by the agency did not include any information positively associating me with this debt, nor had I visited the associated facility or received any of the medical services associated with this debt. Between XXXX - XXXX, I made multiple attempts to dispute this claim, both with the agency directly as well as XXXX & XXXX. The agency deleted XXXX account but validated XXXX remaining accounts while failing to provide me with any documentation substantiating this debt. On XXXX/XXXX/XXXX, I contacted the agency again disputing the remaining XXXX accounts and asking that the debts either be validated or deleted from my account.On XXXX/XXXX/XXXX, I contacted the agency again after notating that the collections were still reporting to the credit bureaus. After being told by the initial representative that the dispute was placed with the Dispute Department on XXXX/XXXX/XXXX, this was later given denied by the dispute representative and he asked for me to give the agency more time to validate the dispute. I refused this request in accordance with my legal rights and asked that the issue be resolved by close of business today. The representative informed me that he would need at least 3 business days.This false reporting has negatively impacted my credit score adversely affecting my ability to qualify for a home and car loan during this 180+ days..

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 2016-11-04 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: OH

Complaint narrative:
We are coming out of a bankruptcy and XXXX XXXX turned over the account to Navient. My complaint is that this company sent correspondence ( e-mail ) to us that went to junk mail. We never received nothing through the mail. No phone calls. Than on XX/XX/2016 we received a automated phone call ( SCAM ) I thought. Turned out I 'm late on payments that I did n't even know I had. I will be contacting the Ohio attorney general and also with my State Rep.

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: NJ

Complaint narrative:
Issues where payments would not pull out of my bank account causing late fees. Also was not offered a income contingent plan. When I expressed interest in one the plan was more then my current payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
There are actually two parts here - credit card and credit reporting and it goes back to XXXX In XXXX, I received a personalized application in the main for a new credit card from Bank of America. It was addressed specifically to me and not a generalized " Dear valued customer '' and indicated that I had a good credit score and qualified for a new credit card. After giving some thought, I applied for it. It was from Bank of America. However, a month later, in XXXX, I was denied for it with the argument that I had already reached my limit even though I have a XXXX credit score. When I received my monthly statement, it indicated that my file needed to be update or my card could be closed, so I updated it. I contacted Bank of America to find out why I was denied only to be given the run around. Finally, a worker told me that " it was a generic bulk mailing sent to everyone '' ( except for the fact it was specifically to me and not a generic heading ). In XXXX, I received my credit report from XXXX and it said my credit was checked twice by Bank of America, once in XXXX, right before I received the application and again in XXXX after I sent the application in. Now my credit, even though it is excellent, has that I was denied a credit card, which I would not have applied for to begin with if it was a generic bulk mailing and it has that my credit was checked twice in a short period of time, which only drives up my rates. I can gather my papers and send them in if you need, but I would either like to be reconsidered for the credit card, have it entirely removed from my credit report, and to have XXXX of the credit checks removed if I do qualify for the card. It was checked by XXXX different branches of BoA and it seems that XXXX does not know what the other side is doing and that they might have changed their minds after sending out the offer, both of which are bad practices. 

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 2015-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint against XXXX XXXX and Bank of America : My bank today took money off my credit card after placing it back when they received original complaint from against XXXX. 
Per the Bank it found no reason to take money from XXXX. Most important I was told I missed the XXXX closing date. No one said there was XXXX! Per Bank their investigator saw in XXXX materials that a refund can be given on the sleeping car portion that I asked for BUT XXXX said " I elected to take a voucher '' No I did not. If I had not been calling the Bank how would I have know of this? Bank sent me copy of XXXX first response XXXX page of its XXXX pages sent. I have no idea what there full response was therefore I could not respond to it. Bank said that 's it. Bank has my mortgage, credit card. I guess I have to continue the fight and think about separating from the Bank. When I asked for XXXX number I was given the computer ticket lady. What can your Agency do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been called repeatedly by Pioneer Credit. Their number is XXXX. They often call early in the morning on weekends and wake up my children. When answering, I hear an automated message -- it references a debt of a XXXX XXXX. So I know the debt is not mine as that is not my name. I have only had this phone number for XXXX months so I assume the debt relates to a person who had my phone number previously. I called back and the representative was not helpful and noncommittal about when/if they would update their database and stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
They call several times daily and late in the evenings

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America keeps charging me late fees after many attempts to be able to pay online. I sit on hold and just get hung up after the techs can not figure out what 's going on forcing me to pay over the phone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I applied and closed a XXXX loan with Bank of America in XXXX XXXX. I rescinded that loan within the 3 day period allotted. Bank of America recognizes that I refused the loan but they still sent a Deed of Trust on my property. I have contacted, several times, the post-mortgage department responsible for the Deed of Trust but no one will contact me regarding whether the deed was recorded or not. I 've left messages and talked personally to their agents and was promised a status within 24 hours. My calls do not get returned, nor promised email sent. I just want to know that this deed of trust was NOT recorded against my property. I consider this unprofessional and inconsiderate and it leaves me hanging whether the deed was in fact invoked even though I DO NOT have a loan with this bank.

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 2016-09-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America issued a XXXX cancellation/discharge of debt back in XXXX which I filed with my income tax return for that year ( document attached ). BofA continues to report the accounts to XXXX, XXXX and XXXX as charged off, closed BUT with a current past due amount. This current past due amount should be XXXX ( {$0.00} ). When I called BofA, they told me that they agree that they charged it off, issued the XXXX and do not intend to collect. There is case law on whether an original creditor can collect after they 've issued a XXXX. In the bankruptcy case : XXXX, Debtors., United States Bankruptcy Court , XXXX Tennessee, XXXX XXXX, XXXX, the Court Stated : " It is inequitable to require a debtor to claim cancellation of debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the Internal Revenue Service and the debtor that the indebtedness was cancelled or discharged, to then collect it from the debtor. ... ... The court does not agree with the argument that because a Form XXXX can be corrected or amended, it can not constitute an admission by a creditor that a debt has, in fact, been discharged or cancelled and that the debtor is no longer indebted thereon. ''

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 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Since Navient started administering my loans, all aspects were chaotic. First, I lost track of loans. Secondly, I was billed numerous times while still in school. Consequently, I believe I was being charged undue interests for numbers of time. Thirdly, even after I apply for in-school deferments, out of nowhere, I received billing statements of due payments.

Company response to consumer: Closed with explanation