vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have outstanding loans through Navient that i didnt even sign up for. Navient offered me a lower payment rate but then i recieved a letter stating that they reveresed the decision but didnt say why

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XXXX I attended an online College by the name of XXXX College based in Colorodo ( I live in California ). I was granted student loans through Navient to attended a XXXX course which was solicited to me through a phone call. After hearing what was proposed it all sounded very promising. After receiving confirmation for the student load I signed up for my XXXX semester. I only attended XXXX term of the fist semester and completed XXXX classes, XXXX and a class that helped me understand XXXX. The only materials that I received from the school was a book and XXXX XXXX. Due to hardships I successfully withdrew from the XXXX semester. After leaving XXXX college online, they continued to pull money from my student loan service that was credited to me when I began attending, resulting in even greater debt. 
I felt that I have been wrongly charged with this loan that has not only hurt my credit score but had created a great deal of stress because I am unable to repair my score due to a default. 
Navient is now the student loan provider in which did NOT offer any solutions of lower repayment plans, but rather offered only forbearance to further delay a repayment option. After many forbearance, Navient would not grant any more and because I was unable to make the minimum payment my loan defaulted resulting in a crushing blow to my credit score. After years of trying to resolve this situation the only thing I was able to do was make a 9 month payment plan of {$8.00} to get my loan out of default. Since then, Navient has still offered no solutions of a lower repayment plan but only more forbearance. I have also learned that since my attendance at XXXX XXXX they have been in a lawsuit and has forgiving {$15.00} XXXX in student loans all the way back to XXXX. I have attempted to contact XXXX College about this but they have gone out of business so I am once again left to a dead end.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX is agresively attempting to collect debt for Bank of America. When I requested them to validate these debts I got NOTHING back. At the same time bank of america validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to XXXX XXXX .... XXXX XXXX asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... Bank of America still has the ownership of these credit card debt notes and I was advised to settle with them. However XXXX XXXX has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!

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 2016-05-05 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Care Credit, which is owned by Synchrony bank, issued credit for dental some work performed on my daughter. It was a promotional no interest for 18 months. I have been paying on time with automatic payments and was not properly notified the no interest was coming to an end. No emails or phone calls. Now they have charged me 27 % interest on everything. I called them and offered to pay the remaining balance because the no interest ended only on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 but they refused and still want to charged me the 27 %. This is extremely overboard. What can i do about this?

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 2016-12-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called Transunion twice to talk to someone about inquirys on my report. Im trying to understand why all inquirys was removed from my report when I checked. I pull my report and transunion has reinserted what they previously deleted. This is a breach of FCRA 611 5 ( B ). I didnt recieve any notice in the mail, email, or by phone of anything. And the representative would not help me and explain to me why this happen. I listed all inquirys below XXXX XX/XX/XXXX XXXX Misc XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2015-08-17 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: CA

Complaint narrative:
I graduated from XXXX school in XX/XX/2007, In debt with a student loan to the amount of about {$19000.00} dollars. Jobless and making a little more than the minimum wage and with a car payment and no real future in the XXXX world i decided to go back to school. My loan went into forbearance, after a couple of years of that i started to make payments on my loan that now was at over {$25000.00} dollars I could not afford the {$390.00} payments. So i stop paying after being harassed day and night i came to a payment plan by this time my loan was at {$30000.00}. I made monthly payments for over a year of {$250.00} a month but no matter what my loan does n't seem to be going down the opposite has happened it continue to get bigger. I am at {$33000.00} and have been out of the program to repay it because i do n't qualify for it any longer, but i still cant afford the payments and with a variable rate that is at its highest at 8 %. I cant afford the payments I 've tried to work with them but i do n't qualify for any program and even if i sent any kind of payment my loan seems to be going up because of the high interest rate. The worst part is the school has since I 've graduated now been closed down and does n't even exist and my {$19000.00} loan is now over {$30000.00} and I feel like I am drowning and i have no life vest. i have tried to set up some kind of payment plan but I just cant get to make anything work for me. I attend XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. On top of that i did n't understand the difference between a Federal loan and a Private loan and now i am stuck with a private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX is trying to collect on a debt 2 times which they have already sold or transferred to another company, and will not remove from my credit report after my several attempts of disputing. They have multiple accounts on my credit report for same company, different dollar amoounts which is severely affecting my credit rating. XXXX of their reps from the company told me they would removed the account from my credit report back on XXXX XXXX, 2016 because they longer had my account or file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint against Bank of America due to fraud. I obtained a Line of Credit against a property in XXXX 2008 in the amount of {$100000.00}. At closing, I was given XXXX disbursements payable to XXXX XXXX for {$10.00}, XXXX and {$8500.00} for a total of {$19.00}, XXXX. The CreditLine Balance on XXXX XXXX, 2008 was {$25000.00} plus closing fees of {$10.00} for a Total CreditLine Payoff amount for {$25000.00}. I have been making payments of almost {$300.00} a month since. I received a letter last month stating that my payments would be going up to an estimated {$840.00} a month for 180 months. I spoke with a friend of mine and told him that I only owed {$20000.00} on my line of credit and that I should have paid it off by now. He asked me to fax him my closing documents and called me back saying that I was paying on a {$100000.00} and not {$20000.00}. He told me to go immediately to a local Bank of America Branch which I did. The woman at the bank said that she saw where I received {$19000.00}. I said that I did receive that but where was my other {$74000.00}. She said she did n't see any other disbursements listed. She then took me to another office where she called the fraud office for B of A. The lady on the phone told me that a forced advance transfer was conducted at a Bank of America the same day of my closing. It was for {$74000.00}, check # XXXX at Bank of America Plaza XXXX # XXXX. She gave XXXX fraud hotline numbers to call and file a complaint. I called and let them know what I found out which was XXXX XXXX and that money had been stolen from me years ago without my knowing it. I was just paying on it monthly without realizing. I received a letter via email 2 days later on XXXX XXXX saying that they conducted a thorough investigation of my claim and that Regulation Z provides a 60-day reporting period and that I waited too long. I did n't know but how can they just dismiss the fact that someone from the bank stole my money and that discrepancies in the paperwork was not caught by the auditing department or was not reported to the federal government. I know that many laws have been broken and because I have been paying monthly, makes this ongoing fraud. All I asked for was to find the money. I would like copies of documents used in the fraud/copies of all documents relating to my missing money, individuals involved, etc. from Bank of America. I am a customer so how can they just dismiss me when there is {$74000.00} missing. Please send this on so that I can get some help. 

Thanks.

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 2017-02-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America issued me a new credit card because my account number was compromised in a data breach. I received the new card and began using it around XX/XX/XXXX, authorizing payments from my checking account on time through the online bill pay feature on Bank of America 's website. In XX/XX/XXXX ( several months after I received the new card ) I went to the Bank of America website and authorized automatic payments from the same checking account for the full amount of each credit card bill since I was going to be traveling and did not want to miss a payment. For some reason Bank of America did not withdraw the funds to pay the bill in XX/XX/XXXX and XX/XX/XXXX as it should have with the automatic payment setup. Instead, Bank of American reported to the credit bureaus that I was overdue on on my payment, reduced the line of credit on the card significantly, and closed a separate credit card account. Upon later speaking to a Bank of America representative, it became clear that the bank had not updated its online bill pay system with the new card number that it had issued to me several months earlier. Apparently, because Bank of America associated the account with the inactive card number, it withdrew {$0.00} each month even though I had used the card. As of XX/XX/XXXX, the Bank of America bill pay system still reflected the old card number ( a screenshot of the bill pay website showing the old card number associated with the account is attached to this complaint ) even though it was inactive and the new card was active and being used. As a result of Bank of America 's error in not updating its online bill pay system to associate my account with the new card that it had issued to me because of a data breach, it reported that my card was not paid on time to the credit bureaus. Upon learning that the card was not paid via the automatic payment, I immediately made payment over the phone from my checking account. In acknowledging the error on its part, Bank of America refunded the interest charge it had put on the account. Unfortunately, Bank of America refuses to remove the derogatory credit marks on my credit report.

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 2016-07-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NV

Complaint narrative:
This is a complaint regarding Springleaf. My husband and I borrowed money from American General apx 16+ years ago. My husband passed away in 2012. The highest loan balance was apx {$20000.00}. I still owe {$14000.00} on this loan despite making monthly payment for all of these years. Current interest rate is 22.9 % and my monthly payment is apx {$300.00} which barely pays the interest. I asked for a printout of my loan payments, and could not understand what I received. I am sure I have paid over {$50000.00} on a {$20000.00} to this date. Springleaf has made more than a fair " return '' on this loan. They, American General, and I believe at one time it was XXXX are loan sharks. I will never get this paid back. The loan is still in both my husband and my name. I am XXXX XXXX XXXX. This money borrowed to finance a children 's rights lawsuit. No, there was no life insurance from my husband to pay off this loan. The XXXX home took all of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Complaint Against : Bank of America Bank of America Corporate Center, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear Sir / Madam, I am writing to make a complaint against the above mentioned financial institution. 
I did inform the bank that I did not authorized the transaction for the amount of {$150.00} ( dated XXXX/XXXX/2016 ) because I cancelled the service with the merchant ( XXXX ) on XXXX/XXXX/2016 and requested from the merchant to refund the transaction for the amount of {$1800.00} ( dated XXXX/XXXX/2016 ). However, the merchant continues to charge my card on XXXX/XXXX/2016 the amount of {$150.00} without my authorization. On XXXX XXXX, 2016 ; I filed disputes for both transactions with the bank. On XXXX XXXX 2016 ; the bank issued a credit for both transactions. On XXXX XXXX, 2016 ; the bank debit my account back with both transactions as fees. 
The bank is refusing to assist me in recovering the money for the XXXX transaction below. I would appreciate your assistance in helping me recover a full refund for XXXX transactions. Thank you, Your time and consideration are greatly appreciated. Thank you, Respectfully, XXXX XXXX XXXX 

Transaction details Account nickname Bank Americard Platinum Plus Visa - XXXX Account type BankAmericard Platinum Plus Visa Account number XXXX Transaction description XXXX Posting date XXXX/XXXX/2016 Transaction date XXXX/XXXX/2016 Reference number XXXX Amount {$1800.00} XXXX 
Transaction details Account nickname BankAmericard Platinum Plus Visa - XXXX Account type BankAmericard Platinum Plus Visa Account number XXXX Transaction description XXXX Posting date XXXX/XXXX/2016 Transaction da XXXX/XXXX/2016 Reference number XXXX Amount {$150.00} 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 2015-05-01 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX, for our XXXX anniversary, I took my wife and our oldest daughter on a tour of XXXX. We stopped for lunch at XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX. It was around XXXX, warm and sunny and we sat outside in their courtyard and ordered XXXX ice teas, XXXX lobster rolls and a small salad for lunch. The old woman/owner gave us our bill. We signed the check which must have been no more than {$45.00}, plus tip. It was a regular paper receipt which I paid with my Bank of America XXXX. I signed the paper bill with a pen and never kept a copy for myself since it was such a small amount. 
A few weeks later, while reviewing my XXXX bill from BofA, I noticed that I had a charge of {$560.00} from this restaurant, and no other charges. I immediately called Bank of America and contested the charge, stating that I never authorized this large amount. 
On XX/XX/XXXX I received a letter from Bank of America stating that the merchant had provided proof of a signed receipt for the amount of {$470.00} plus a tip of {$80.00} for a total of {$560.00}. The signature provided to BofA is a close forgery of my signature, and I did not sign nor authorize such a large bill. BofA considers this matter closed and is holding me fully responsible for paying the full amount of {$560.00}. 
I filed a police report with XXXX Police Department XXXX : XXXX. The restaurant has since closed and it 's been torn down. The owners of this restaurant have been found guilty of previous fraud charges and spent time in jail - according to reports you can easily find on the internet.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31 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:
For a very long period of time, years in fact I was unable to pay my monthly student loan payments. Several times I had called the lender XXXX/Navient in an effort to have my payments lowered. There were times initially that they mentioned I could just pay the interest amount on my loan, but even that amount was too high. There were also several times where I would present all of my living expenses to them to show what my monthly income was, and I was told that I made too much money and that my loan had to be placed in forbearance so I did n't make payments on it. These actions ultimately raised my interest amount on the loan. It was n't until recently in the last year that I was able to set up my loan on auto pay from my account monthly after several years of trying to lower my payment. Only now is my income substantial to make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX, I made a credit card payment to BOA. Then, my bank kept calling saying I had a negative balance and it involved paying BOA. I asked if BOA was finally paid. They said yes. I called BOA and confirmed this. BOA said yes, they were paid. Then, I went into my bank around XX/XX/XXXX, when it was, again, confirmed that BOA was paid. Today, I tried to make my monthly payment, and BOA said I was overdue, and never made a payment. I told them I will not be paying them until this issue is resolved. Also, in the beginning of the month when this credit issue started, I called the police and told them something was wrong with my banking.

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 2015-06-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My current loan to value ( LTV ) ratio of my mortgage is " at or below 80 % '' according to my bank. The equity that I have paid into my mortgage is about 22 % now. However, my bank wo n't cancel my private mortgage insurance ( PMI ). I 've never had a late payment in the almost XXXX years that I have had this mortgage. This costs me {$140.00} per month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief