vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLC filed a law suit petition with a court within my jurisdiction in Texas. I not once received any notification from Jefferson Capital Systems LLC stating who they were, what they were collecting on or that I was being sued. I had never spoken to them or even had a debt with them. This debt I have now found out was purchased from the original creditor. Jefferson Capital Systems LLC never offered me the opportunity to work with the original creditor. They made numerous anonymous calls to my cell but never once left a voicemail or a call back number. I was able to trace their number to their company and assumed it was fraud since they do n't leave messages. I have been receiving calls from stating they are sending a warrant for my arrest and the numbers left behind are not traceable to a state office or legal office. I am now receiving numerous calls to my cell phone from various numbers claiming to be from a processor which I found out was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27 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: PA

Complaint narrative:
My loan has been transferred to several different companies. It seems that after I make a payment arrangement with one company, once they have made their $ XXXX- {$4000.00} fee, they sell it off to another company. Now I have paid my balance down because I had been paying on the loan for about a year or so and when it gets sold off, the new company tacks on their fees and my balance gets pushed right back up. I 'm spending my time and money paying fees but the loan does n't come down. I just signed into Navient 's website to get my tax form to see a note that I was 18 payments behind and had been charged a late fee. Well, Navient is taking the money out of my account every month, so how am I missing 18 payments? They have the wrong bank account as well. I went to school for 1 1/2 years and XXXX has really jammed me up. The had me listed for some many loans it was ridiculous when I went to the same school the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been a customer of Bank of America since XXXX, but I have XXXX-30 day credit marks with them. I am unable to get consistent information. I have tried to get the due date changed because I changed jobs. I was even told by customer rep that I had to give the name of my employer to update my information, I advised them I ca n't get calls at my job unless it 's an emergency. They called my former employer several times in XXXX even though I no longer worked there and I told them this information. I want all negative credit marks removed and the credit bureaus advised me that Bank of America can remove them without me disputing it. Bank of America claims they ca n't, I even offered to set up autopay from an account every month. The information given is not correct, Bank of America 's credit department held my payments for no clear reason, even though I never had return payments with them. The customer service rep claimed my bank rejected the payment which was not true at all. I was able to go online with my bank and see the money was already deducted from my checking account already. The credit department even claimed back in XXXX because I made XXXX payments in 1 month, they wanted to make sure the funds were available ( they even acknowledged that I never had a returned payment. I want the credit marks removed due to misinformation that I was given. You do not need my employment information to discuss the account, I was told I had to update my work information. I gave my address because they called my family constantly looking for me and they were very upset about this. My old employer advised me to let them know that I no longer work there.

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 2017-02-03 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: WI

Complaint narrative:
My consolidated PLUS loans are now serviced by NAVIENT. I am in the IBR program and make a {$420.00} payment every month. Due to the high interest rate on this loan, there is no possible way I can ever pay any of the principal balance on this loan and no possible way I can ever pay down this debt. In XXXX they capitalized over {$3500.00} in interest. How will I ever get out from under this debt if the interest keeps increasing my Principal balance ... I am so frustrated with this unfair and unrealistic position.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I did an authorized short-sale XX/XX/XXXX with the 1st and 2nd lien holder. I have written XXXX letters, XX/XX/XXXX and XX/XX/XXXX to Bank of America ( BofA ), the 2nd lien holder. In both letters, I explained that I have already tried to contact the XXXX credit agencies to stop reporting the short sale as if it was a foreclosure and every time the said to work directly with the reporting creditor. BofA of course states in their letter " you can provide an explanation to the credit reporting agencies directly. '' The games that the creditors and the national credit bureaus deferring responsibility on to the other, as both are now fully aware that a complaint has been reported and both are in violation of the law, is ridiculous. 
Per XXXX report, BofA reports the following " Paid as agreed '' or " Paid in Settlement '' or from the comment or remark sections, " Account paid for less than full balance '' is incomplete, insufficient and inaccurate as it does not disclose the Short-Sale circumstance. XXXX, has assumed or took liberty to convey that the property was foreclosed and/or delinquent. The true circumstance was not accurately conveyed by XXXX but rather they indicated ( 1 ) " serious delinquency '' and ( 2 ) past " not paid as agreed '' both are considered inaccurate and false. For item ( 1 ), there were no missed payment or even a late payment, consequently for XXXX to disseminate a Short Sale as a " serious delinquency '' is misleading, inaccurate, false fraudulent reporting. It is also clear that the account was n't in default, collection actions did not take place, nor was there judgement handed down by the courts. For item ( 2 ), since the short sale approval and settlement was agreed by all parties, for XXXX to convey things as " not paid as agreed '' is also misleading as the Short Sale approval letter had stated otherwise. I had requested that Bof A include the following supplemental comments to national consumer credit reporting companies and any other data furnishers. " Borrower had no missed payments ; the account was not delinquent or in default ; all parties agreed to a short sale ; and full satisfaction of the referenced mortgage debt was in agreement. '' Certification of accuracy of or complete information is paramount to correct derogatory reporting. Errors in omission is still an error and will remain inaccurate until disclosed and corrected. BofA failure to disclose to credit bureaus complete information by including the supplemental information has harmed my credit score.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I did not understand the interest on the balance, the amount is more than what I was told and not I 'm seeing a decrease with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Due to unethical lending practices and telling me they would help me and that I had options, I used private loans and when I could n't pay them I was told I had no other option - when I did bankruptcy to get some relief from medical and credit card - my attorney would n't file the needed docs and I defaulted. I now owe XXXX and I make XXXX a year. Not only does Navient lie about options and helping you - the only thing they are good at is calling you when you cant pay but not working with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America placed a fraud on my account with XXXX and has yet to show hard core evidence that it was me who placed bad checks into the ATM. I have repeatedly asked them to review ATM video footage and to review whose signatures were on the endorsed checks and still nothing has happen. I even wrote the XXXX and XXXX of Bank of America and I thought it was resolved, but now nobody is responding to my letters, my requests, or my complaints. And still, I am unable to open up an account with any other bank until that has dropped off XXXX or Bank of America remove the fraud status. I even requested Bank of America to allow me to reopen an account with them, but restrict ATM deposits because I earnestly need a personal checking and savings account. I am writing because I feel like Bank of America feel that their size and status as a bank entitle them to report and to harm the lower class people because we can not afford to retain attorneys to argue for us. I hope this agency will not allow Bank of America to treat me like I am nothing and to hold them accountable for their injustice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 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: The CBE Group, Inc.

Complaint narrative:
I am an XXXX citizen currently living in XXXX I had a phone account with XXXX. In XX/XX/2014, I contacted XXXX to turn my phone service off ; however, they continued to keep it on and after XXXX attempts of calling over a period of months they charged me for the time they incorrectly kept my line open, as well as a disconnection fee. Now, they have sold the " debt '' to a debt collector. I have attempted to contact the debt collector via email on multiple occasions, but they do not provide a phone number that I can call from a foreign number. They continue to send messages asking for the money, though. Please help. 

I feel like 1 ) This debt is heavy given the circumstances, and 2 ) The debt collector has made it nearly impossible for me to communicate with them from abroad so we can agree on a best way forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Been on auto debit for years with loans I 've already paid in full and current loans which are being auto-debited. The loans are through Navient. They have not been giving me the discount for auto debit. Which they told they would years ago. When I caught it, now they need weeks to investigate it. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have been reviewing my bank statements and have realized that when I use an ATM card I am being charged as much as {$7.00} - {$10.00} per transaction. I authorize the fee from the ATM so I should see an {$2.00} - {$3.00} fee on top of the money I am withdrawing, but I am also seeing that my bank is charging me a {$2.00} fee for a balance inquiry that I never agreed to and then they charge another {$2.00} for using a non- BOA machine, this is also not disclosed. So depending on the amount taken out at the ATM, these fees could be as much as 20 % of the money withdrawn on a {$40.00} ATM transaction ( XXXX {$40.00} ) this is worse than the short term money loans. All of the fees should be disclosed when doing an ATM transaction. My Bank is Bank of America.

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 2015-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
on XXXX/XXXX/15, I was charged on overdraft fee when I was not over drawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America account was reported for suspected fraud activity. Charge off amount of XXXX is fraudulent and I am not responsible for the balance because I have never had this amount of money on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I 've received XXXX emails from Bank of America stating they have n't received my mortgage payment and for me to contact them as soon as possible. When I received the XXXX email, I called Bank of America and spoke with a rude person by the name of XXXX ( man ). XXXX verified that Bank of America DID receive my mortgage payment. I questioned XXXX about why Bank of America was harassing me with these emails on something that was n't even true!!! He refused to answer and became nastier. I terminated the call.

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 2015-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america is referring me to XXXX and I never had an account with them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received a text from a friend that a debt collector, from Pioneer Credit Recovery Inc., XXXX at XXXX called him asking about 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 2015-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a very difficult time with Bank of America. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. My rep XXXX XXXX XXXX never returned any phone calls. Bank of America always seemed to lose my paper work, which I constantly had to re fax. I am XXXX years old and had a XXXX. I feel behind my mortgage. I am now over my hardship an can afford my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX, XXXX I received a gift debit card for {$200.00}. When I went to use the gift card on XXXX XXXX, XXXX the account was closed. When I contacted Bank of American on XXXX XXXX, XXXX ( at approximately XXXX, via phone ) I was told the card had expired XXXX XXXX and the remaining balance ( actually the entire balance of {$200.00} ) was the " fee '' for closing the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America claims that they sent me a letter by USPS and made one phone call to let me know that my residency paperwork was not in order. I did not receive the USPS letter and thought the phone call a scam as there was no tag/flag on my account when I logged in to my online banking with BofA. They suspended my account, were slow in responding to me and caused me to accrue fees from my bills because the account was suspended and thus the funds did not go through. BofA 's own credit card charged me a fee, when the card itself was suspended for the same reason. After submitting my paperwork and reinstating all my accounts, I am still getting " suspended account '' reports when I try to pay my bills ( from time to time ). The Bank can not explain why this is, but surely my utilities company does not have a reason to lie to me when the payment did not go through and they received an account suspended notice. I was told my account paperwork has not been up to date since XX/XX/XXXX. Why then, could they not give me a few more weeks to give them my paperwork and try for better communication methods? Is this the bank 's way of making up for the penalty that they had to pay because their customer 's paperwork were not in order since XX/XX/XXXX? Is BofA trying to make its customers pay for the penalty?

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 2015-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I wanted to know when PMI is removed from my loan. I checked consumer finance & read that PMI should be dropped once my loan had reached 78 % of what the value of home was @ time of purchase. I called BOA & received a denial letter stating that their requirement is 75 % of the loan amount rather than the value of home.My home was valued {$20000.00} more than we bought home. Then they told me that I could have my home reappraised to prove it did n't lose value. When I called on XXXX different occasions, I kept asking why they do it based on loan amount rather than value & what good does an appraisal do if it 's based on loan amount? XXXX Rep told me the appraisal would n't really help my situation. So my next question was, why was a {$600.00} appraisal even suggested- it would have been an expensive waste of time. XXXX Reps agreed with me, but never answered XXXX. Why is it based on loan amount & not value and why XXXX instead of XXXX. XXXX. Why was the appraisal suggested if it was n't going to benefit my situation. I 'm very frustrated that they have different rules and extremely upset that they suggested a costly and non beneficial appraisal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK
State: SC

Complaint narrative:
On XXXX XXXX 2016 my Discover Credit Card had a fraudulent charge and it was canceled and a new one issued. I received the new Discover credit card on XXXX XXXX and activated it with no problems. However I have not been able to log into by Discover Bank account ever since this date. Discover Customer Service keeps telling me it is a technical issue. It is unbelievable to me that 21 days later I can not log into my Discover on line Bank account due to a Discover Credit Card issue. Discover Bank is an online bank. I need online access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Acquired Assets, Ltd.
State: CA

Complaint narrative:
In XXXX 2011 I had an accident while using a rental car from XXXX corporation. I was assessed a charge for that accident and paid in full in XXXX 2011 using a credit card. I have both the receipt for the payment from XXXX and the credit card statement showing the payment to XXXX. I also have the credit card statement the following month showing my payment of the bill from the credit card company. XXXX somehow did not correctly record the payment and after attempts to get me to pay the bill again and trying to recharge my credit card, sold the collection to a collection agency, Allen and Associates. Allen and Associates contacted me and I provided my proof of payment. One year later I was contacted by a legal firm, XXXX XXXX threatening collection action. I again provided full proof of payment of the outstanding original bill. Now almost two years later XXXX has filed in the local, XXXX CA, superior court a lawsuit for collection of debt. I have tried to work with each of these corporations and provided them with proof of payment with no success. At this point I need to engage legal support in order to demonstrate and counter this frivolous lawsuit. 

XXXX has also filed a credit default with the credit agencies which is false. 

As XXXX indicates that any complaint should be filed with the FTC, the FTC directed me to the CFPB. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation