vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NY

Complaint narrative:
My student loan interest seems to be extremely high. It is getting more difficult to enter a payment plan that I can reasonably pay every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
On XXXX/XXXX/2016, I received a voicemail message from a XXXX at XXXX. She did not state the company name. She stated this message is for XXXX XXXX and she was calling in regards to a XXXX XXXX and requested I call her back with the reference # XXXX. After Googling the phone number I found many complaints and the phone number belonged to the above named company, which is a Debt Collector. I returned the call. Someone answered, but he did no identify in the company 's name. I asked the name of the company and it was given. I provided my name and the reference #. Then I asked what type of company was XXXX XXXX. He replied we handle personal business matters. He told me he would transfer me to XXXX. Before the transfer, he asked if we become disconnected could he call me back. I replied, NO. I was transferred and the woman stated they have been unsuccessful in contacting XXXX XXXX and wanted me to provide his personal info. I asked why and she stated they are not allowed to provide that info. I stated I do know XXXX XXXX and can not provide his personal info without knowing why. I replied send him a letter. She stated we have done that. I replied no you have not and hung. I find it odd that this company has my phone number ( which I have had for only a few years ) and they do not have his phone number ( which he has had for almost ten years. We have never done business with this company and we do not have any outstanding debts that would be transferred to them. I am concerned this is a SCAM.

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 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Someone fraudulently took out FEDERAL student loans in my name using my social security # and dob on XXXX/XXXX/2016 and I have disputed it with the credit bureaus and they WILL NOT take it off my credit report! I did not do this and it is n't fair that someone is getting away with a FEDERAL CRIME! I have also contacted the XXXX, the FTC, the loan company, ( Navient ), the police, and the State 's XXXX and no one will help me. Can you please?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I was one of those people who went Bank of America was in legal problems I got my second mortgage wrote off in XXXX. I borrowed XXXX in XXXX and had XXXX mortgages and had an escrow that paid my taxes and my homeowners insurance. I got behind and filed chapter 13, so that i did n't lose my home. I was placed with XXXX and they ended up working with me so I dropped my bankruptcy and we did a loan modification in XXXX. After 2 years of paying on time my loan went back to Bank of America. Bank of America shows a non-interest bearing principal balance of XXXX, making me owe after paying payment for 10 years, XXXX. I have called and called and no one can tell me what this balance is from and how it came to be. Bank of America says it came from XXXX and XXXX says no it was given to them when the loan was put with them from Bank of America. No one can tell me where the XXXX mortgage of XXXX was written off. I have from XXXX XXXX that i filed with my taxes saying it was written off, Now on XX/XX/XXXX i get a letter from Bank of America saying I have no homeowners insurance. I call my homeowners they state they cancelled me in XXXX when they did n't receive my escrow payment. Bank of Ameria says it 's XXXX fault, XXXX says they do not service me any longer I need to get this information from Bank of America. I am now struggling to find insurance, and thank XXXX, nothing happened all last year. I have written contract from my original loan, included in my loan is escrow for taxes and insurance. No one will answer me on either of these really serious problems I, the consumer am having to deal with.

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 2015-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX cash deposit turned into XXXX by magic, Went to do a cash deposit at bank of America on XXXX and XXXX at about XXXX yesterday, I had XXXX XXXX XXXX dls bills and the rest was all XXXX, when the teller count the money in the bill counter machine it was only XXXX, When I handled the money to the teller I had the money in My rear left side pocket, I leaned to the left to verify My pocket was empty, and then the money was short, Money was carefully counted before taking it to the bank, when shortage was discovered, money was returnes to Me, wen to My wife she drove home just to verify but there was nothing to be found, so I went back to the bank and made a {$2500.00} deposit and another {$280.00} deposit for payment to someone else, I went to the bank manager and reported the situation, He went to the teller and I think counted the money and everithing checks out ok, however I THINK the teller somehow separated some bills before they made it to the counting machine, I asked the Manager if they could see the tapes and He said tapes were for their protection and did not think that was possible but will try, This loss is great damage to Me and extremly unfair, I am sure I did not drop the money somewhere else,, I am blaming the teller please see if You can see the pictures or if You can help Me in any way

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 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:
Navient Solutions Inc. XXXX {$15.00}, XXXXXXXXI am disputing the validity of this debt for unfair and deceptive practices. Navient Solutions, formerly XXXX XXXX, has not provided an accounting of interest paid, the loan interest rate, or account statements that detail the payment allocation and/or payment methodology at any time during this loan. 

This loan originated in XXXX 2005 in the amount of $ XXXX. Other than XXXX forbearance period of less than 6 months, this loan was paid on time for more than 9 years with payments ranging from $ XXXX {$250.00} ; with 96 months of payments at {$240.00} the amount paid on the loan is in excess of $ XXXX, yet the current amount due according to Navient is more than $ XXXX, more than the amount initially borrowed. 

I can provide bank statements as proof of payment history as payments with automatically debited from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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: IL

Complaint narrative:
I approved a automatic withdrawal from checking account for my student loan on a specific date. However, Navient immediately withdrew funds from my account without my permission. I have experienced these unethical and illegal practices twice before with Navient and they have refused to address and correct their practices. Their practices needs to be investigated by a governmental body.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Focus Holding Company
State: IL

Complaint narrative:
FOCUS HAS VIOLATED THE T.C.P.A. CALL MY NUMBERS AT ( XXXX ) XXXX IN VIOLATION OF FDCPA! HAVE PHONE RECORDS ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Today is XXXX XXXX, 2015. I have been trying to receive a loan payoff amount from Bank of America for the past week, so that we can close the sale of our property. When I called their customer care line, the agents who I spoke with obstructed my ability to obtain a loan payoff amount. In dealings with both myself and the designated closing agent, they have refused to fax loan payoff amount information. The only reasoning I can assume for this violation of my rights is that Bank of America continues to abuse SCRA loopholes, and prevent service members from receiving fair disclosure and account servicing. This is not the XXXX time I have reached out to the CFPB regarding Bank of America 's policies and procedures on my mortgage account 's servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Last fall I sought assistance from Bank of America regarding mortgage modification.After there represenatives did not allow me to speak with a modification specialist until they insisted I make payment arrangements on my past due account.Which is documented.Then without discussion came the most ludicrous offer of modified terms that sole aim was to place borrower in a note that only sought to lower payments by extending out the term and place a useristic above average intrest rate which inundated and buried the borrower in intrest payments and did not provide a realistic scenario for aggressive principle paydown.If bank of America is calling this assistance to homeowners its is aggregious!! /It is counter productive to long term homeowner preservation.I was told by XXXX I better take it, if you do n't Bank of America will foreclose.i said no and appealed they offered me another modification over the winter that was better but they told mne they would not offer another.i stated I will sign but only in anticipation of my wife receiving social security benefits which she did not. I made one payment and realized this can not be sustained long term.negotiations before and since have been contentious.i am a sole wage earner and a XXXX XXXX ( XXXX ) FOR OVER XXXX YEARS.Standard XXXX XXXX modification modelswork off gross pay .I have a unique payroll situation where I have significant mandatory deductions.For instance 11 % per pay for retirement including hefty health ins premium, union dues, etc.i come home with half my gross pay. XXXX per week net!! .I need a mortgage payment closer to 33 % or {$1000.00} per month including principle, intrest, escrows.I am not about to be constantly harassed by Bank of America.people have saved there homes over lesser circumstances.The modifications and assistance is applied very unevenenly.I am not about to lose my home by a clerks calculations and over a few dollars because of some obscure guidline or loophole..it is well known Bank of Americas 's violations towards homeowners .They continue to perpetrate and apply there unscrupulous bully tactics.i need your assistance in receiving a fair and equitable modification of my mortgage that realistically reflects my ability to pay.I have numerous correspondence on file .Bank of America fights you at every turn.This is not fair.I PLEASE ASSIST

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: MD

Complaint narrative:
Bank of American continuously charges overdraft fees that are way above interest rates. I was short {$4.00} ( which was available in my savings account ) and they charged me XXXX overdraft fee.

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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Dear Commissioner, I am writing this complaint letter because I have contacted Navient on numerous occasion for Navient to remove and update my credit report with all the major credit reporting agencies because the information Navient is reporting is incorrect and inaccurate. Navient is in violation of the FCRA Section 623 ( a ) ( 3 ) and FDCPA Section 807 ( 8 ) and FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) for reporting inaccurate information. The limitation statue has expired and Navient is refusing to remove all my student loans with all the major credit reporting agencies which causes my credit score to decrease. All my students loans I had with Navient has been closed for the past seven to ten years. 
Let this be my formal complaint against Navient. The following account is the items Navient has refused to investigate and remove. 
Account No. : XXXX. There are about XXXX or more items under this account number. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: WA

Complaint narrative:
I have recently paid {$940.00} to Navient to keep my account out of collections. They told me I would be entered into a program with a lower monthly payment, but they are now telling me I need to pay an additional {$4000.00}. They will not refund any of the money that I 've paid in the last month and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I have o knowledge of this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: WA

Complaint narrative:
I 'm in forebareance and want to sign up for XXXX, because I consolidated and it includes a plus loan Navient says I do n't qualify for program. Once forbearance ends my payment will be XXXX or more per month and I 'm retired and on social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was behind on payments and when I tried to make a paymeny arrangement, Navient refused to make an arrangement because it they said it had been too long and that the only thing I could do was pay in full to be up to date. Meanwhile, I have XXXX other loans that I have been paying. I still made minimum payments on the overdue XXXX, hoping they would work out a deal. I didnt even know that the loan had been transferred out to another agency and the payments I had been making did not apply to the loan and did n't transfer to the new agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is my fourth complaint on no resolve to my problem with bank of america, I have an unauthorized charge of {$210.00} and they have done nothing to this point to help me. I called both optimum and the bank of america customer service and both treated very nasty. I have since canceled my optimum service. I also wake this morning to service on both of my accounts, and for what reason?! I would n't be negative if the bank would of just refunded my money taken out my account without my consent. They call and I call back the claims dept and nobody ever picks up. I am upset, because I do n't make much and these things like this put me in a hole. Now my accounts are negative - {$14.00} and - {$5.00} this is ridiculous already how this bank just does n't help its customers at all and just keep taking our hard earned money through these shady fees and broken claims process!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
Seventh Ave has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Seventh Ave continues to verify the account with the bureaus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$540.00} i sent this agency two notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this 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 2016-10-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have been denied the ability to dispute a charge on my Bank of America credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX/XXXX/2015, to a company called XXXX XXXX XXXX in the amount of {$6600.00}. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.

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 2015-06-16 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After making a payment for the exact amount owed on a credit card, and within XXXX days of the billing cycle, Bank of America added a {$1.00} charge labeled as both " interest '' and a " fee. '' This is misleading since this is a fee-free account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation