vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-27 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: MD

Complaint narrative:
My Student Loans from XXXX and Navient are almost at XXXX and I only have an AA degree. For years, I tried to make arrangements with my leander to make affordable payments but I was always talked into being on a forberance program. Because of this the interest on my loans have been astronomical and almost fabricated in my opinion. My desired resolution is for my loans to be completely forgiven because I have been taken advantage of for years. They would ask me for XXXX monthly payements due to interst. this has affected my credit etc for years.

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: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: CA

Complaint narrative:
I 've submitted numerous documentation to this company to verify that this account was n't mine. They 've told me numerous time 's that they 've removed this account from my XXXX report, but never have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Step Group, LLC
State: NJ

Complaint narrative:
A company identifying themselves as FIRST STEP GROUP contact me through a letter dated XXXX XXXX XXXX about an alleged debt that do not belong to me, and is many years past the statue of limitations.The letter stated that they are collecting on behalf of XXXX, XXXX.This account fell of my XXXX credit reports about 4yrs ago.the company letter also stated ; THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT.BECAUSE OF THE AGE OF YOUR DEBT, XXXX , XXXX WILL NOT SUE YOU FOR IT, AND XXXX , XXXX WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY.I contacted XXXX XXXX XXXX and was told by them that they do not have an account with my name on it on file.It is my belief that this company is trying to collect a debt that is way past the SOLand a debt that do not belong to me.I have disputed this debt with them and have not received any verification as of this date XX/XX/XXXX.This is a matter that dates back to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a checking account with Bank of America that had been in dormantstatus for a number of years. My balance on the account had been close t {$0.00}. Without warning, they imposed a Monthly service fee of {$25.00}. 
I did not notice this until after the 3rd month where my current balancehad shown roughly - {$75.00} ( Negative {$75.00} ). I went to the bank and theywere unable to remove this. I closed out the account and it still showsa balance of - {$74.00} ( Negative {$74.00} ). 
I am asking for Bank of America to XXXX out my account at no costto me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08 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:
Back in 2013 I started applying for jobs everywhere due to the fact I was a single mother. This company " XXXX XXXX company '' sent me a check letting me know I was hired and I had to activate the check and I could start working. I followed the directions in the letter that was originally attached to the check ( you will find it in the attachment of documents ) I activated the check and verified with the bank that it was real the lady I spoke with said yes and I had to deposit it and wait for it to clear. I woke up the next morning to my bank account being closed do to " fraudulent activity '' I have been fighting this matter with " XXXX '' & " XXXX '' back and forth since 2013. And till this day with all the proof I have they still are n't willing to work with me. I feel like I was ripped off of my life for the past 3+ years. I just want to be able to get my life together for my son. It is already hard enough living in XXXX XXXX let alone being a single mother. Please help me gain my life back!! People should n't have to suffer due to scams going around. Please look at all the information I am providing and take it into high consideration. Thank you for your time!!

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 2016-07-05 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: NY

Complaint narrative:
I cosigned a private student loan for my sister. She used it for lawyers as she was getting divorced. She never used the funds for college. I went into bankruptcy and they refused to discharge this loan even though it was n't federally guaranteed and the monies were not used for educational expenses. I 'm out of bankruptcy now and all of my student loans are suddenly under Navient along with my sister 's loan. I 'd like to discharge them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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:
I am in approximately {$260000.00} of debt from school fees that are all from my XXXX education at XXXX University. Many, but not all, of my loans have a 10 percent interest rate. At one point I tried to consolidate, and was turned down. I have XXXX individual private loans ( through Navient - formerly XXXX XXXX ) and federal loans ( through XXXX ). I left school with {$80000.00} in debt. Paying off this debt has been exacerbated by an egregious case of XXXX XXXX XXXX, for which I have been treated ( and had to leave a semester of school for ). I was officially diagnosed at XXXX, though I struggled with this condition my entire life and am currently in XXXX. I am addressing this because the XXXX played a role in my difficulty in initially negotiating, procuring, and then paying off these loans. Many have doubled. This has become an extreme XXXX burden. 

In contacting you, I am attempting to address my debt in a different way, rather than paying the minimum balance I can currently afford and watching the interest continue to accrue in a way that I feel exploits me. Apparently, I 'm wasting my money as a few lawyers indicated. I am hoping to explore my options. 

Throughout the process of seeking legal advise : XXXX lawyer advised me to file a Chapter XXXX bankruptcy claim.In addition, we were exploring the tenets of the XXXX XXXX towards whether or not anything was dischargeable. More than XXXX lawyer indicated that a strategic default was the best option and in doing so ; destroying my credit and providing for a hand-to-mouth off the grid existence. I have explored ; to no avail, almost every avenue of reconciliation which includes income based repayment, forgiveness, consolidation, forbearances, deferment, student loan companies, etc ... Another indicated that I try to find someone to take on my case pro bono or to represent myself pro se. And, another indicated the best option was to engage in a strategic discharge that I find to be ethically and morally reprehensible. However, I 'd be judgment proof apparently. This is not what I want to do! 

I 've been working XXXX hours a week for the last ten years of my life. I am tired, exhausted, scared, and these loans do not seem to be getting smaller, but rather larger. Im seriously concerned with my ability to have a life socially and economically because this debt is such a burden on me. 

I truly am not wishing to exploit this system and want to honor my debt. However, this is insurmountable and I do not see a way to pay off the debt in my lifetime. Are there other options for me to explore? 


I do n't have any idea what to do now ... I ca n't get out from under this seemingly insurmountable debt. I ca n't participate in the economy in any sort of meaningful way ( house, savings, XXXX edu, car, etc. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Loan No : XXXX Property Address : XXXX , AZ XXXX Consumer Financial Protection Board Since XXXX, I have in six occasions applied for a loan modification and in each occasion the loan modification has been denied for what I believe is not enough reason or evidence for the denials. In two occasions I have file a complain with the Consumer Financial Protection Board. However, no resolution of this case has come to fruition for me as a consumer. The case numbers for my prior complaints are XXXX and XXXX. 

We are requesting that XXXX and its servicer Bank of America modify this loan to acceptable terms in the industry ( 40 years fixed rate at 4 % or lower ). We are currently paying a rate of 5.625 % 20-year fully amortized loan. After having paid without missing a payment interest only at a rate of 5.625 % for 10 years. I am currently unemployed and for the first time in 10 years, I was forced to skip a payment XXXX XXXX, I will not be able to pay XXXX XXXX either. We had to replace the AC unit at a cost of {$5000.00} dollars. Fact that escaped the underwriters at Bank of America having shown proof of these facts. The underwriters also dismissed the fact that the loan also recast in XXXX XXXX. This fact, was not taking in consideration and the only solution they want is a Short Sale on a property I bought with 25 % down payment. Bank of America 's underwriters insist that there is no evidence of hardship. Underwriters also state that we have over {$25000.00} dollars in liquid assets. Fact that is not factual as I discussed at length with Bank of America Relationship Manager. 

I will greatly appreciate your assistance in fulfilling your charter as a Consumer Protection Agency. 
XXXX 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
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: IA

Complaint narrative:
On XXXX XXXX 2016 I took my son XXXX to the XXXX department in XXXX XXXX, XXXX, GA. At the time I paid {$150.00} in the XXXX department. We later received the bill from the hospital claiming that we had not made any payments to the at time of service. I paid the remainder of the bill ( {$100.00} ) and contacted the hospital sort out the missing {$150.00}. I sent them the receipts, backdraft copies where the payment was cleared by my bank. I received another 2 bills from the hospital claiming I owed {$150.00}, the hospital claimed the had not received the documents I had faxed them. This happened 4 times over the time of 3 month. The hospital then handed the matter over to Central Financial Control Debt Collector. Again I faxed tem the documents showing I had paid at the time of service. The first 3 times they claimed they had not received the documents, so on the XXXX of XXXX 2016 I faxed 20 copies from 3 different fax machines and 3 copies by regular mail. Central Financial Control then acknowledged that they had received the information and it had been handed over to their disputed claims department. Since XXXX I have been told that my claim is under review and they will get back to me shortly. However, I have had no information about my claim, the person in charge of my claim ( XXXX XXXX ) have not returned any of my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
After submitting a mortgage application 1 month ago, Bank of America has not sent us the new Loan Disclosure form. BofA, when asked, said they were not aware that a Loan Disclosure form was a requirement.

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 2015-11-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I disputed in the latest part of our case, number was XXXX. 
XXXX XXXX and XXXX XXXX could not get my full response inside the small box, so I did say that in my pushing dispute I have to open a new number to our case. 
I tried to attach the response letter, but it looked like it did not attach like the rest of my previous attachments did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America , N.A . closed my BankXXXX XXXX XXXX XXXX XXXX card account ( among others ) without the 30 day notice required under XXXX law and confiscated XXXX " travel reward '' points that I had available at the time.

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 2015-04-29 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: AL

Complaint narrative:
I have contacted XXXX XXXX now Navient about accounts that has been listen on my credit report same account under both names with the same account number. The have been reporting an account that should not have been open on my credit report and refused to investigate the account to see. I have asked them repeatedly to investigate the account. They are also reporting the wrong delinquency dates for other account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
non stop calling even after telling the company that a check was sent. Also, makes threats to my co-borrower who is now an elder and on a fixed income

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
bank of america contacted me to say my debit card had been compromised and closed the card. i called the fraud department and theywent over the charges that were not mine and i rcived a credit the next day. 
on XX/XX/XXXX i looked at my account and saw they took the money back and called them the associate told me to give him a couple of miutes to readthe notes but did not mute phone. 
He read the notes from the screen out lould saying i was being denied because i showed no signs of urgency, i was not upset and did not put to much intrese in the situation so he came back and said te claim was closed and if i wanted to reopen i have to fax in a letter and gave me the numer. 
I find this unfair, degrading and ilegal that they contacy mr knowing the charges are fraud and then acuse me of making them becaus i dont get worked up. 
clai # XXXX and claim # 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 monetary relief
Consumer complaint received 2017-01-26 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: NJ

Complaint narrative:
I have been in repayment since XX/XX/XXXX with Navient for my college education that started in XX/XX/XXXX. Over this time I have been less than satisfied with the support of this company. 1 ) Loan 's are confusing : over the past 6 years they have changed the way I make payments and see my payment allocations ... bundling all my loans together, separating federal from private, and now they are broken down even further into many payments within each category. This makes it very difficult to know what you are paying and to where over the life of the loan. 2 ) I have high, but variable interest rates. I have been told by Navient that these interest rates never go down, but they do go up. over 13 % on some of my private loans feels like they are really setting me up for failure, and even though the libor interest rates have gone down in the past 6 years, my interest rates have only increased. 3 ) Taking out a total of $ XXXX in both private and federal loans from XXXX/Naivent, I started repayment with about a $ XXXX/month payment. Starting out in the work force in XXXX ( I was happy I even got a job ), this was very difficult to pay. I tried to lower my payments and instead of gviing me the option of an income based repayment plan, I was put into an interest only payment plan. so for 1 whole year my ( now about $ XXXX/month payment ) was only going towards interest and my principal balance was rising. 4 ) Due to the suspicion of my rising principal balance, I have called ( now ) Navient many times to try and understand not only my balance but my options. To date I have PAID just over $ XXXX to Navient ( monthly payments ranging from {$700.00} - {$1200.00} over the past 6 years ) for my $ XXXX loan, and to date have just over a $ XXXX BALANCE on my principal. One phone call with a representative told me that something did seem off, and that my principal should be about $ XXXX lower than what it was ( convo on XXXX XXXX XXXX ). This " initiated an investigation '', which concluded in no change in my principal balance. My complaint is that I feel I have been mislead, taken advantage of, and XXXX of my very HARD earned money for a $ XXXX loan I have paid almost double for already. Given the recent law suit against Navient, I realize I am not the only one. I do not believe that my college education is a given right, but there is a such thing as having integrity when administering student loans to students that are XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX 2016, I stepped into a Bank of America branch to make a deposit. I was alerted by the teller to contact Bank of America customer service ASAP as there was a flag for suspicious activity. I completed my deposit and returned to work in the same area as the branch I visited, XXXX, CA. My phone and wallet had previously been stolen. BoA was aware of this. I contacted Bank of America and discovered that, at the same time I was making a deposit, my card was being used in XXXX, CA over XXXX miles from where I was making a deposit. Bank of America refuses to honor my claim even when presented with this evidence. I have supplied the bank with a police report and supporting details and after XXXX evaluations, BoA will not issue a credit to me and has closed 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 2017-01-19 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: TN

Complaint narrative:
I originally only borrowed about XXXX in student loans while in college. I XXXX in 2009 and have had trouble paying them back. XXXX XXXX now Navient never told me about lowering my payments or doing options other than forbarence. I could have possibly made a lower payment but they always just suggested forbarence so that is what I had to do. I did it until I could n't do it any more and now I owe over XXXX. This amount is obsured. It literally causes stress every day. I heard from a friend last year about PAYE and I signed up for it through the federal website. It automatically put my loans through fed loan servicing and now I owe them XXXX and not Navient. Navient misled me when I could have made cheaper payments and I do n't feel I should have to pay back my total loans because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: TX

Complaint narrative:
When my loan was serviced with XXXX I was locked in with a low interest rate. Once navient took over the loan, my rate increased and payments have doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
they do n't have a number to contact them by. Google them and the company is out of business? Can not find anything else on this one please help!!!!! 
Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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: FL

Complaint narrative:
Multiple months now I have received letters from Navient claiming they have n't received my payments when my payments are auto-debited every month. I tried calling several times today and the recording on the phone says they 're closed even though their hours indicate that they 're still open, then the call just hangs up. This is very frustrating because 1. Where is my money going? And XXXX. I do n't want them to falsely report to the credit bureau that I 'm not paying.

Company response to consumer: Closed with explanation