vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-09 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: VA

Complaint narrative:
XX/XX/XXXX, I requested forbearance until XX/XX/2016 because my loans were being consolidated. At the time, I was not aware that I had XXXX private loans from navient, who failed to mention this in the many conversations that went on between myself and the operators. I also hold my guardian responsible, because she failed to tell me that she used my information to apply for these loans to get keep me at school. They failed to mention that from the moment I received the loans that interest was building on them, even while I was in school. Although I do pay my loans, Navient has done nothing but make my life stressful. Since then I have been lied to and harassed regarding my private loans. In XX/XX/XXXX I made three payments to the company, XX/XX/XXXX for {$350.00}, XX/XX/XXXX for {$270.00}, and XXXX for {$270.00}. Despite making several payments, I have since been harassed about late payments. I have had to speak to XXXX escalated account managers and each time a new piece of information is revealed.One of the managers even tried to pry into my personal life regarding myself and the cosigners relationship and even after I would not tell her anything she continued to pry and I had to disconnect the call. It seems like the company is purposely neglecting to change my account status as I receive at least six calls a day from different numbers telling my my account is past due. I have requested this be fixed twice already and it has not been done. I consolidated my federal loans and I am being told that I still owe on those. The payments I made went to federal loans, and instead of someone looking into this, they call me to tell I still owe money, despite my account showing that I paid. I had to request management so that someone could take a further look. I received a letter stating that I overpaid and even after that, I still am receiving calls that I have late payments due. I received a check for the over payment, despite telling the escalation manager that I would like the money to go to the next month balance. Navient has been extremely unprofessional, careless and neglectful in this entire process. On the eighth, i received a letter that my account is Delinquent. My next payment is not due until XX/XX/XXXX, which was to be paid with the over payment check I now possess. I fell powerless in this process and all they continue to do is take my money!! I ahve tried to resolve these matters several time directly with navient but it is not working. I dread the calls. I work at night and my phone is ringing constantly while I am trying to sleep. I have a family and so I keep my ringer loud in the event one of my children need assistance or there is an emergency. However, Navient constantly calls my phone disrupting my sleep and my life! This company is terrible and needs to dismantled!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I purchased my home in 2005. My loan was sold and now it is with Bank of America. This bank was not reporting my full payments. They kept raising my mortgage almost as if they was trying to make me loose my home. I asked them for a loan modification several times. They told me not to make the payment so they can process my modification. I did everything they ask me to do and they just deny the modification every time for some false reason. When I show them that I did everything they ask, they start the process over and over again. This has been going on for too long.. Now they are trying to file forclosure on my home. The papers says XXXX VS ME. I never bought anything from XXXX. This bank is really trying to steal my home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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: TX

Complaint narrative:
The Navient website will to allow me to make an extra payment to principal. I only have my loans at XXXX % interest. When I make a XXXX payment, XXXX goes to principal and XXXX to interest. I do n't understand this. My total loans are around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient normally sends me a bill every month and my husband sends them a check. They have n't sent us a bill since XX/XX/XXXX which resulted in my husband missing the last 2 months payments. They have been calling me and every time I answer the phone I say hello repeatedly and then they hang up, so I thought it was a telemarketer. They finally answered today when I picked up the phone. They informed me of the past due amount. I said that I can send out a check right away explained that we have the money and we are not having any problems paying bills. Then I woman, who barely spoke understandable English, asked me repeatedly to post a payment today after I just told her that we would send a check. At this point I was frustrated be cause I had repeated myself several times trying to tell her that we will send them the money and she continued to badger me asking me to pay the bill now. This is ridiculous, they never sent us a bill and then they repeatedly ask us to pay the bill immediately. This is not the first time they have done this to me. They do n't send a bill, then they call asking for money I had no idea was due. I have opted out of email notifications for this very reason. We like our paper bills because then we do n't miss payments. It was also frustrating because the representative could barely speak English, I could hardly understand her and I should n't have to guess what the company is looking for because I ca n't understand a thing they are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX/XXXX/XXXX, I closed my account with Bank of America 's XXXX credit card. After paying my final bill, I was left with a balance of - {$35.00}. I phoned BoA and was informed that I would receive the balance owed me by check. 
In XXXX, I received a new " bill '' statement with an account balance of - {$27.00}. BoA had passed through a new charge to my closed account on XXXX/XXXX/XXXX, of {$7.00}. I phoned BoA and was assured by them that the charge would be removed and I would receive a check for - {$35.00}. Instead of sending me a check for money owed, BoA continued to send me a monthly bill statements, each showing an account balance of - {$35.00}. 
That is until XXXX, when I received a bill statement from BoA indicating that my account balance had been reduced to - {$5.00}. On XXXX/XXXX/XXXX, BoA had passed through a charge on my long-closed account.. I phoned BoA for an explanation about this charge and why I still had not received the balance owed me. I was told it was an old charge. This was clearly not true. The XXXX XXXX - XXXX XXXX, XXXX statement shows a " Transaction Date '' of XXXX and " Posting Date '' of XXXX. Subsequently, I received a check for {$5.00}, dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I received another Account Balance from BoA : " You have a new e-Bill from Bank of America Credit Card - Elite Rewards. '' Given this history with BoA, which apparently has yet to completely close my account, I am worried about fraudulent use of my long-ago closed BoA XXXX account. 

How I can be made whole : 1- BoA should pay me the full balance owed of {$35.00}. 
2- BoA must completely close my account. I should receive proof in writing of that action. 
3- CFPB should consider investigating BoA for improper ( if not fraudulent ) billing practices.

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 2016-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX spoke with the relationship manger at Bank of America modification department name XXXX and I was informed all the documents were received and the sale date would be put on hold. The number the documents faxed to at bank of America was XXXX. I contacted the attorney that was handling the foreclosure was told named XXXX at XXXX. The documents that was requested to complete the modification submitted was quit claim deed since wife was not living in the house any longer. That was approved on XXXX. I contacted Bank of America and was told on XXXX that per XXXX XXXX at Bank of America that they had the incorrect address and I have been contacting them every day and no response. Now I was told that they do n't know if the house is sold or if servicing rights have been transferred. I have not received any notices. I have been defrauded out of my house and I want answers. Spoke with XXXX today and she told me at the law office that XXXX did not contact them and the confirmation of the sale is XXXX XXXX and I will be their with my documents to show the judge that Bank of America only requested the Quit Claim deed and I have proof that on XXXX confirmation for XXXX XXXX previous CFPB case number XXXX and his number is XXXX extension XXXX and has not been in contact with me for three weeks now. I was told my property went to sale on XXXX the following day of receipt of the quit claim deed request and was told the sale date was post ponded. That was not true though. My consumer protection specialist is my witness to XXXX XXXX that has been trying to help me from loosing my home. I will be court on the XXXX XXXX. Please assist.

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 2016-02-12 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:
Was charged XXXX, XXXX USD overdraft fees from Bank of America on a checking account. The accounts were properly funded with a transfer from another linked checking account but Bank of America staggered the posting of the transaction so that the XXXX debits that caused an overdraft posted after the transfer in order to incur a fee. This was verified by a customer service agent over the phone who attempted to waive the fee but could not because 'reordering transactions is bank policy, not bank error '. I have argued about overdraft fees in the past with Bank of America as I feel they use algorithmic systems to reorder transaction to incur the maximum number of overdraft fees. I had a similar set of instances like this occur in late 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-20 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: CA

Complaint narrative:
I refinanced my home and chose to preserve my Home Equity Line of Credit with Bank of America. They advised we would need to process a subrogation agreement which would take XXXX business days. That fell within the close date of XXXX XXXX, 2015, so we proceeded to pay the fees and process the subrugation. Bank of America missed the deadline by several days resulting in my being charged over {$3500.00} in interest from the original mortgagee because we went well into XXXX before the refinance was completed.

Company public response: Company 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: IL

Complaint narrative:
I am XXXX and I receive SSI social security benefits in the amount of {$730.00} per month. Prior to becoming XXXX I had about {$54000.00} in student loan debt that was in good standing under the income based repayment plan. My payments where XXXX dollars per month. I could have left them like this indefinitely. Several years ago, the federal government changed the rules on how student loan debt can be discharged and I was encouraged to apply as I was eligible under the new rules. My credit score was XXXX prior to applying for this relief. I was granted the discharge and my credit score went from XXXX to XXXX overnight. I was aware that I would incur a tax liability for the XXXX debt and I am OK with this. I was not informed that my credit would be destroyed in the process. This has happened to hundreds if not thousands of XXXX people who have sought and received this " relief ''. Furthermore, this is not happening to everyone who applies but it is to many. It appears that it may depend on your loan servicer. Mine was NAVIANT. The legislative intent of the rule change was to help relive XXXX and poor borrowers of debt they will never be able to pay off, not to destroy the credit of people already under significant financial pressure. I was encouraged by XXXX to take an action to destroy my credit without being informed of this. I did research the topic and did my due diligence but as I said it appears that this depends on the servicer so you can not get consistent information to make an informed decision. I contacted XXXX and asked if I can undo what I just did and they said I can by sending them a statement but I have no guarantee that my credit will be restored to its prior standing before this occurred. I can see a scenario where I re-assume this debt AND my credit remains destroyed. So, I am stuck. This is unfair. IT violates the spirit and intent of the law. It is also not uniformly enforced and is thus dissimilatory since it depends on what servicer you were fortunate enough or in my case unfortunate enough, to have. We all know how vital good credit is today. You need it to get and maintain housing and should I ever be able to again, returning to work. I was led to believe this was a good move to make. It has been the worst decision that I have ever made. Had I been informed of the implications of this I would never have initiated it in the first place. Because my loan was in good standing prior to all this I could have let it stay this way forever. The net effect of this decision for me, at the end of the day, was to destroy my credit. Nothing good has come from this. This is even happening to veterans who are XXXX and seeking this type of relief. This is unfair. I am not the only one. There are many of us in this situation. Can you help me to right this wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My BOA card ending in XXXX hastily without warning got closed. My credit card had a 0 % APR promo that I used and I 've been paying my minimum on-time for 5 months. Then all of a sudden BOA decided to close my account without warning no call or anything. 

This is unacceptable as a consumer. My letter from them stated only they have the right to close it. There was no exact reason in there. And no chances given. I am a Preferred Client of theres too and now looking for other options unless they reopen my 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 2016-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XXXX/XXXX/15 I paid a debt owed to a collection agency in full. In writing I received notice that they would not report to a credit reporting agency. However as of this date, they continue to report the account and refuse to remove it even though I have pointed out in their own writing that they agreed not report to the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: CL Holdings LLC
State: AR

Complaint narrative:
JeffersonCapitalSystemsLLC has been harassing me regarding a debt purchased from XXXX XXXX pertaining to an early termination fee of {$100.00} over 2 years ago. Both companies have most recently listed the account as having been opened under the term " automated '' late last year on my credit report. This occurred after another collection agency had sent me an offer to reduce the amount owed if I agreed to pay in full. Jefferson Capital has made numerous inquiries into my credit, given incorrect information such as multiple case numbers, multiple company name variations and were listed as a seperate owner along with XXXX listing on my credit report. I have also received multiple calls on my cell phone which is on the national 'Do Not Call ' list. After being sent several collection orders lacking the original debt 's owner information and number a cease and desist letter was sent over a year ago via mail. I disputed XXXX early termination fee from the start and am tired of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is my 2nd complaint that I have had to file in the past several weeks about Bank of America, which is a separate issue from my first complaint. For the past few days someone has been accessing my credit card account to update my mailing address and phone number. I live in XXXX, and the individual is updating my address to a XXXX address. I am very concerned about this. I have done everything I can to try to get Bank of America to secure my account. 
I have reset my online profile, had a new card issues, had a security question added to my account. However, for three straight days someone had managed to STILL change my mailing address. The most recent time they requested a new card to be mailed to the address that was unauthorized. I called in early this morning to report it. The individual went right into my account details without asking for the password that I had setup. I brought this to the representatives attention immediately. This is very concerning as it seems that Bank of America is being hacked. I am very concerned that someone has my personal information. I have even setup fraud protection with XXXX, but somehow someone keeps being able to call into Bank of America and change my address for 3 straight days, and then request a new credit card to be mailed to them. Also, my account security does n't seem to be taken serious when representatives continue to release account information without verifying my password when I call in, which I thought this was to protect me. I have been assured by 4-5 different reps that the issue was fixed and this would not happen again. Well, 3 straight days someone has been making changes to my account. I have been a long time customer of Bank of America, but I am scared to continue to do business with them. I do n't mean to keep complaining, but I am fearful that Bank of America has breached my security on more than one occasion now. What is going on with you guys???

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 2017-01-24 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: KS

Complaint narrative:
My loan was serviced by XXXX, they told me to take a partial payment forbearance. They did n't tell me that they would be taking the difference of the balance and adding it to the principal amount. Because of this, my loan which I took out in 1993 for XXXX dollars is now XXXX and climbing..the loan is now being serviced by Navient..the monthly payment would be almost XXXX for 15 years..I have been paying the loan for 22 years..I am a veteran of the XXXX..I am paying based on my income now..I will be paying for at least another 12 years..I 'm not sure how much interest in have paid..but surely I have paid the original XXXX dollars by now ... can anyone help me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 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: MI

Complaint narrative:
Using the Bank of America online banking system, I transfered money to my daughter into her Bank of America account for use the following morning. She confirmed the money was added into her account and I noted it had been subtracted from my account. The following morning, the funds are gone from her account and are found back in my account. She calls me to help and I transfer the funds again because they were show in my account. My daughter receives the funds and uses them. One day later, another transfer appears in her account for the same amount, but posted for the day prior ( although the money was not there the day prior ). My account is overdrawn with {$70.00}. Worth of overdraft fees. I spend XXXX hours contacting Bank of America explaining that the funds were n't actually in my daughters account and it seems odd that they show up a day later and are posted for the day prior. XXXX employees of Bank of America are unable to explain this to me and tell me it 's my mistake and they will not give me any relief on the overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
Central Financial Control XXXX Syndicated Office Systems continues to report a negative collection account on my credit report but has failed to provide any validation of such debt. They do not have a phone number listed and only have a XXXX so I am unable to send certified mail. I 'm addition according to the XXXX website this company is no longer in business after a settlement with CFPB for deceptive debt practices which I believe I am a victim.

Company response to consumer: Closed with explanation