vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-12 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I Been preferred customers with XXXX XXXX XXXX since XX/XX/XXXX. i used to have XXXX checking account and XXXX saving account ( XXXX joint account and XXXX personnel ) and XXXX XXXX XXXX XXXX credit card. 
basically i used XXXX XXXX XXXX for everyday life needs since XX/XX/XXXX. 
XXXX of my credit card ending with ( XXXX ) i sing up for a reward programs and i earn lot off point which is equivalent of XXXX $ it took me long way to rich this point ( i spent lot of money and time for it ). 
but suddenly in last XX/XX/XXXX .i receive a letter that my account will be closed by the bank decision. all my account was close i did n't have access to none of my account and i been told that i will receive a check for everything ( my money that i have in bank my funds ) but i never receive the money that accumulate in that reward XXXX $ til now ... 
i was under the shock trying to figure out why they closed my account after 7 years of banking with XXXX XXXX XXXX ... and i keep calling them to redeem my point to benift from the reward just to use it to pay my XXXX XXXX XXXX credit card. but i feel like it is not fair at all .they use the power to take my reward from me ... but i will stand for my right to get my right back. if they send me a checks for my funds they i had in my checking and saving account they should send me a check for my rewards. and they really XXXX a mess in my life cause i had all my bill set to my XXXX XXXX XXXX and i always had a good credit so they really make a mess in my credit reports because the closed XXXX credit account in the same time they really hurt me bad. since then i been paying my bank XXXX of XXXX XXXX i clear it out ( was payed off completely ) but i steel have a othere XXXX ( XXXX ) trying to finish to pay it all as well. so i really appreciate your help if you could help me to have XXXX send me a check or use it to didactic my credit card balence ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
The above number is calling 2 to 3 times per day everyday. I feel this is harassment and is affecting my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Over ( 7 ) years ago, I was an account holder with Bank of America. During said time I rented a vehicle from XXXX and paid for the car rental weekly. During said time, while traveling out of town to visit friends in South Carolina, a tire came of the resulting in a dangerous situation/accident. During which time, I did contact the rental company and notify them of the incident. My bank account was closed as a result. The XXXX rental alleged that I owed them for the vehicle, when I had insurance. They sued bank of America for the funds and they claimed to never have collected on this rental. To date I am unable to open a bank account with any bank based on incorrect information presented to the bank. I would like my rights to open an account with a lending institutions/bank restored. Including my car rental privileged.

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 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I have requested that I be provided documentation regarding the transfers of the note and the title, along with the mortgage servicer agreements to my home..So far I have received only copies of a loan modification agreement signed by " robo signers " - ( Violation of Arizona 's false documents statute ( robosigning ) : Dismissal reversed and remanded. Plaintiffs alleged that MERS " robosigned '' documents in violation of Arizona 's false documents statute ( Ariz. Rev. Stat. Sec. 3-420 ). Plaintiffs claimed that documents such as notices of trustee sales and assignments of deed of trust had been notarized in blank and robosigned with forged signatures. The XXXX XXXX reversed the XXXX Court 's dismissal based on a change in law, noting that in a recent decision, the Arizona Court XXXX XXXX determined that a damages claim is available under Arizona 's false documents statute where a borrower alleges that a notice of substitution of trustee and assignment of deed of trust are false. See XXXX XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX ( Ariz. Ct. XXXX. 2013 ). The XXXX decision also provided that borrowers in default did have standing to bring allegations under Sec. 33-420. Because the allegations at issue in XXXX closely resembled the borrowers ' allegations here, the XXXX XXXX reversed the XXXX Court 's dismissal. ). XXXX and Nationstar seem to be operating without having the documentation that Verifies that my mortgage is Legal or that they have the Legal right to service this mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Forster, Garbus and Garbus
State: NJ

Complaint narrative:
I received notice from XXXX XXXX XXXX of an attempt to sue my XXXX mother, who has passed away on XXXX/XXXX/2017, There was never any communication to my mother from these people, Forster, Garbus & Garbus. This is their first communication, and it came in the form of a lawsuit to a deceased XXXX! 
The amount they are suing for is {$1400.00}!! 
I called the court and explained my mother had passed away, and there are no assets or estate. 
The court told me to report them to you, as they frequently do this to deceased people to see if there is an estate. I told the court I would send a copy of death certificate to them. 
These people really are the lowest of low. They should be sued for not validating the debt, and harassment. 
Even the court personnel now they are bottom feeders

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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 tried to refinance my student loans. Being that I was always on time with my payments, I thought that Navient would help. As soon as I even started the question, they told me that there was no way AT ALL that I could refinance my loan. I was shot down from the beginning! My student loans were at a 9.5 % interest rate! I would make a payment every month for the balance to just stay the same. I was barely making it out alive. Thankfully I have a good job that allows me to pay my loans but I constantly had this feeling of despair that I would NEVER pay off my student loan. I actually still feel that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One keeps calling me on Sunday. I had complained about this nearly a year ago and was told they would not call on SUNDAY. I am not nor have I ever told them not to call at all. I just said not to call on Sunday. It is not legal for them to call me on Sundays!! They are calling yet again on Sunday. They also refuse to remove the charge off from my credit report. They are missing the extension that was done XX/XX/XXXX which was credited to my account and they refuse to correct the charge off. That extension and the {$100.00} extra PRINCIPLE ONLY payment I sent were not applied. They did not apply the extension at all for one, which puts the payment they say was over 120 days under 120 days and therefor can not charge it off. I had made 2 payments with them XX/XX/XXXX and they turned around and charged it off in XX/XX/XXXX with NO notices to me. They say they sent them and even generated some FALSE notices I NEVER GOT. They did not apply the {$100.00} credit I sent for PRINCIPLE ONLY properly, they put it on interest which WAS NOT for interest. They REFUSE to listen to me and correct these things and NOW they are calling again on Sundays!! I am not saying do not call, I am saying do not call on SUNDAY! I am saying they must correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Abuse # 1 ) Every year for the past several years we have had to contact BofA and request that transactions never be paid for our debit card if there are insufficient funds in the account. And every year Bank of America resets our debit card so transactions will be paid regardless of balance and a {$35.00} fee charged. 

It is a violation of both federal and state law for Bank of American to alter a customer account in this way, against the customer 's continued requests not to, just to continually perpetuate the scam of {$35.00} transaction fees. 

Abuse # 2 Further, we receive an email immediately after the {$35.00} dollar fee is charged. An honest bank would send an email immediately but before charging {$35.00} stating there are insufficient funds should a customer want those transactions paid ( we do n't but other customers may ), in which case one could have the option of using another debit card or transferring funds immediately to BofA. Transferring money between accounts is instant and free and easy online or via an APP. This kind of abusive behavior by any bank, especially a national bank such as Bank of America, is absolutely inexcusable. 

If BofA is running this abusive scam with us year after year, they are certainly scamming and abusing other customers continually year after year as well.

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 2015-12-27 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: IL

Complaint narrative:
I was trying to sign up for the community college around XXXX 2015 and my cousin dropped me and my other cousin off there. I accidentally left my bag in the car when she took us home and not realizing that I did until she had left. A few weeks later I needed my birth certificate and when I could n't find it I remembered that she took us to sign up for school. I asked her over and over again about my information and she tried to make it seem like she did n't know where it was at. So a few weeks after that she called and told me that she had my social security card and birth certificate and that she would take it to her mothers house. I went over to get my papers and my aunt said that her daughter never came over that day and my cousin was swearing up and down that she did. After that she stopped answering my phone calls so I went and filed a police report. I 'm just now figuring out that someone is using my information to open bank accounts in my name. I filed the police report in XXXX of 2015 but I 'm just now finding out about fraudulent behavior using my information. I was calling my debit card to check my account balance and I got lazy and did n't feel like typing in the whole card number so I just typed in my social and birthday but it said that I have multiple accounts using my information. I should only have XXXX account which is my checking account but it was saying that I have multiple accounts so I instantly knew that something was wrong. If you can please help me and contact me soon as possible I will greatly appreciate it. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This complaint involves unlawful third-party contact in an attempt to find a relative. After receiving numerous letters attempting to locate a family member with whom I am no longer in contact, I wrote Navient in XXXX, XXXX and demanded that they stop contact. In XXXX, XXXX, Navient attempted to contact me again on my mobile phone and through the mail. By law, Navient may only contact once and must cease when asked to do so. They have never been authorized by me to call my mobile phone. They have abided by no provision of the law created to protect me. The name of the customer/account holder is XXXX XXXX XXXX ; address XXXX XXXX XXXX XXXX ; XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 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: GA

Complaint narrative:
I had a Federal Student loan with XXXX XXXX from 21 years ago. 
Navient obtained it and is now incorrectly reporting the loan as XXXX loans on on my credit report. XXXX loan is for the original loan amount with several months reporting late, which is incorrect. This loan shows closed, while a XXXX loan shows open as of recent for almost double the the amount of the original loan. I have sent a dispute letter to Navient for for the incorrect reporting and they have not only not acknowledged my dispute, but are continually reporting the inaccurate information. 
I waited a full 30 days and sent a second dispute letter, once again requesting proof of what they are reporting and still no response and still reporting these inaccuracies to the credit bureaus. Not once have I received acknowledgement from Navient on my request for information. They have not marked my account as being disputed with any of the credit bureaus. It has been over 90 days and by law they 're required to mark my account disputed with in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX Begin forwarded message : From : XXXXXXXXXXXX Date : XX/XX/2016 at XXXX EDT To : XXXXXXXXXXXX Subject : Complaint I had applied for a loan XX/XX/XXXX and was told that they could not approve me until I cut some of my debt down and they recommended that I speak to one of their credit counselor for additional assistance. I got some of the debt paid and also was at that time was in a court process for a company to get that balance off that I did Not agree with. After that I applied for another loan XX/XX/XXXX and got denied, I was confused. So I applied for another loan and was again denied, I called the contact center on XXXX and was asked why was I denied because I knew I got some of my debt down. The First Lady I talked to started reading off some of my credit report and this credit report was very different from my current one, come to find out they were using my old credit report started by the representative. She pulled my new report and sent it to a lender officer and approximately 2 1/2 hours they called back and basically said that I was denied because my credit report was different than the old one that they were using!!! ( Really ) .... So I said my farewell to that representative and called back an hour later to speak with another lender why I was denied a small loan. He preceded to say after he pulled up the notes, my current credit report and application stated that he was just as confuse as I was. He stated he was going to contact me back after he spoke to the agent who declined my loan. I received a phone call from supervisor who informed me that I was denied because of a 1. late payment on a secured salary advance loan, that is secured by my deposit and the only reason why I was late due to the fact of sickness and was out of work, but if that was the case they would not have approved me to get another secured loan 2. Because I had a XXXX collection account that they wanted resolve. 3. My current credit report did not reflect my old credit report that they were using the whole while I was applying for a credit. 

These were not a good answer for my denial and of course my credit file will be different especially when I was told by SECU lender officer to pay off some of the debt. I feel like I 'm being discriminated, because I took the advice and also to make sure I take better care of my credit! The denial reasons was bogus, some of the representative I talked to did not understand themselves why I was denied and neither do I. I was asking the supervisor XXXX XXXX and she gave me them denial excuse and say it because of security reasons I need for someone to clarify this mishap!!! The consumer protect act requires accurate and honest reporting, and my credit is just that accurate!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/2012, when mobile deposit was taking off, I was a customer of Bank of America with XXXX checking accounts and XXXX savings. I was using the mobile deposit service and followed all instructions of taking the picture of my check and had a few incidents where the check never deposited. I went into the branch on XXXX NC and was told by a Personal Banker that if the check did not deposit via mobile, just put it into the ATM. I performed this action a few time subsequently. In XX/XX/2012, I awoke to find all my accounts were closed and they stated I committed fraud. When I informed them that I was following information that their banker provided, they stated it was not their issue and my accounts were gone. Since 2012, but they have refused to 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 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: KY

Complaint narrative:
I have several thousand dollars worth of student loans that I have been trying to pay for over six years now. Monthly, it can be hard to make my almost {$200.00} loan payment on top of my other expenses. Even though I am a hard-working woman that help support my family, I still find it hard to financially meet our needs especially with high payments like my student loans. When I tried to apply for an income-based payment plan, I was put on forbearance for four months, which I greatly appreciate it because I was not able to make my payment in this timeframe, But I was not told that this would negatively impact my credit score and that I would continue to collect interest on those loans. When my application finally went through, instead of my payments being lowered they increased over {$100.00}. Making my monthly payment almost {$400.00} a month. I called the customer service line to discuss my options and I was told that because I made too much money I did not qualify for a repayment plan, the only thing that this organization would do for me is to put me on forbearance. I am currently still on forbearance until I can file my XX/XX/2016 taxes showing that my husband and I are filing married but separate in order to be able to get My payments lower. This system makes sure that people that try to better themselves by getting an education are stuck with crippling debt for years to come, with no way of getting ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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:
After graduating in XXXX with an XXXX, I had {$12000.00} in loans from XXXX. I was granted a year of forbearance while I looked for a job in the XXXX. Along the wy, I dived into enterpreneurship and tried o get a company off the ground with XXXX former XXXX classmates. Again.\, I approached XXXX XXXX for another forbearnce qwhile i tried to raise capital for a startup. I was out of work for two years. At the end of XXXX, I backed out of the startup company and worked at a XXXX company. My annual salary was {$17000.00} gross income.My XXXX XXXX account was taken over by a collection agency XXXX XXXX from Minnesota. XXXX told me that I had to pay off a reinstatement fee to avoid default. I called XXXX XXXX and they confirmed I was passed on to collection and that my account is now managed by XXXX. I followed through for ten months to payoff the reinstatement fees ( about {$1000.00} ) to avoid default ), then registered on the XXXX XXXX website to start making online payments and collect notifications via paperless. Upon opening the account, I see in red highlights that I had a minimum due of {$2000.00} + ( an accumulation of non-payments and late fees ). I was alarmed and upset that I was fooled to think that I could make minimum monthly payments of XXXX ( which is what I could afford with my cost of living situation ). Instead, I still owed a enormous payment and even deeper in debt. I wrote to XXXXNavient and sent an email for advice and help ; no response. I called and was put on hold for 10 minutes then lost contact. Sheer frustration and anxieties. I have lost hope and decided that I will pay what I can monthly and ignore the red highlighted minimum due of {$2000.00} in perpetuity, Navient now has taken over my account which has ballooned to about XXXX.Unlike Federal loans, I provided proof of income-depraved with my income tax returns to EdFinancial and have benefited on the Income Driven Repayment Plan. This made sense for people like me who want to pay based on the living wage, and not be penalized exorbitantly. The New York times article on NAVIENT lawsuit inspired me to tell my story and share the uphill daily struggle with financial institutions. I surely wish that there is hope for a solution.

Company response to consumer: Closed with explanation