vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( CT ) loan then sold to XXXX XXXX in XXXX then sold loan to Navient in XXXX. Paying regularly until XXXX, XXXX. I started back to school XXXX in XXXX XXXX. I was told 3 times in XXXX, XXXX and XXXX, XXXX, that my loan would be deferred ( 48 months ) because I was a full-time student. I filled out all the paperwork and my school did also. On XXXX XXXX, XXXX, I received XXXX letters from Navient each saying a different thing about the loan. My University reports monthly so I waited till start XX/XX/XXXX for reporting. I started getting dunning calls about my loan being was late. After three 45 minutes call with XXXX " managers '' I am " UNABLE '' unable to use my last two months of deferment that I am eligible for according to loan documents cause it DOES not fit into their bill cycle. They can help by lowering interest rate to 1 % and payment goes to {$160.00} a month. I requested copies of the loan documents at end of XXXX, XXXX. The loan documents sent were dated XXXX/XXXX/XXXX, and post marked XXXX/XXXX/XXXX, and I did NOT receive them til XXXX/XXXX/XXXX. I am called atleast 6 times a day by the automated dailer from area codes from XXXX, XXXX, and XXXX all without them leaving a voicemail as to why they are calling. I have explained the situation about their misinformation to me on numerous occasions and that I do not have means to pay because on SSI but they are unwilling to do anything but the above. Please help and investigate billing practices/conversations/collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am disputing Bank Of America 's reply to my last complaint. They say thatbecause I signed the loan papers, that showed that I fully agreed to it 's provisions. 
However, because I trusted BOA to provide accurate info, I did not have accurateinfo on my home 's value until I was able to do more research later. I was surprised to findto find the house had been appraised about for about {$100000.00} more than it'smarket value. Also, it took about XXXX years to get a copy of the XXXX appraisal. 
This considerably increased the cost of the loan and made it impossible to sell thehouse. I am still asking for compensation as originally requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
This company CENTRAL FINL CONTROL out of California keeps attacking my credit for a debt which they have failed to prove that I owe. It for an alleged hospital visit that I was turned away for because the hospital did not accept the insurance which I had at the time ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: IL

Complaint narrative:
I was n't aware that I could lower my monthly payments and each time I called navient they kept putting me under a forbearance. I have gained a substantial amount of interest now!!

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

Complaint narrative:
I disputed an interest charge on XXXX XXXX, 2016 and as of the writing of this complaint I have yet to receive a response, I thought TILA required a response within 30 days. The interest charged was about {$150.00}. I filed a dispute, which was resolved but Bank of America still charged me interest, a violation of TILA

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 2016-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
They do not leave voice mail. If I pick up, they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a checking and credit card account with Bank of America. I was called on XX/XX/2016 by BofA Collections. I authorized a payment of {$110.00}. On XX/XX/XXXX I was notified my acct was overdrawn. I checked on XX/XX/XXXX an illegal transfer of {$220.00} was taken out of my account and applied to my CC. 
On the XXXX the {$110.00} was transferred out. I called BofA and their CS Rep stated she will xfer the {$220.00} back in 1-2 bus days. I waited a few business days and nothing. I filed a fraud report, the rejected it since they did n't loose any money, I have the letter. Collections stated it was pending the transfer takes up to 7 bus days. Several other business days went by. I called fraud to dispute their letter. They needed to do an internal investigation if an employee is making these transfers illegally to get his collectable number up. That rep stated she would have her manager transfer the money in 24 hours and they would look into it. Many days later I still have not seen the transfer. I believe it is a bank directive to have their employees bring their collectable numbers up by what ever means. I warned several people at BofA that this is worse than XXXX falsifying accounts. 
This was theft and at a large scale, grand larceny. Please investigate. I would like the money transferred back and I will decide on the next payment. This inconvenience caused me me to be late on a lease payment and I had to sent {$40.00} more.

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 2015-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Getting calls from a finance company for some kind of debt. It is a pre recorded message from someone called General Revenue Corporation with a reference # XXXX, I do n't owe anyone I pay my bills when they arrive. This has got to stop. Somehow they also have my cell number and I do n't give that number out

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: ME

Complaint narrative:
I went from owing {$800.00} ( something ) to owing {$1200.00}. The interest on the loan is@4.75 %, even with missing payments, it does n't justify the increase in the loan amount. Also, I can no longer see what was owed when payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I have no knowledge of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 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:
I was in repayment with Navient over a series of XXXX private loans I have with the lender. I set up a payment schedule and have been paying XXXX a month as agreed by the lender. They continued to take my monthly agreed payments and in the mean time defaulted the loan. They claim to have sent letters however whenever we spoke about payment agreements they always failed to mention that I was in default after 2014 when the loan was offically filed as default. Prior to this they used aggressive collection efforts including calling, my old jobs, family, and person friends. They are a very crooked company that will stalk you with 20 calls a day from multiple location to get money out of you. It 's terrible, I should n't be in default. I was meeting my part of the agreement. This is side of Navient tha deals with private loans. XXXX is there number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I recently filed for Bankruptcy and my mortgage loan company, State Employees, Credit Union changed the locks to my residence and refuse to turn over the keys to my property. My bankruptcy attorney and I have contacted them several times ; however the have deliberately ignored my calls. Additionally, they took monies from my account ending in XXXX, for preservation and foreclosure fees, which is a direct violation of federal bankruptcy code. Pursuant to bankruptcy code all collection activities are granted a stay of protection. I am requested that the put the money back in to my account and turn over keys to the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went directly thru Bank of America to get pre approved for my car loan. Once I found the car I wanted to purchase I went to the dealership and took with me the approval letter. I called Bank of America to get the status of the Loan a week after having my new car. i was told that because I had gone to a preferred dealership I needed to follow up with them. I was really upset and explained to them that the main reason I got approved directly thru Bank of America was to avoid dealing with the dealership. I immediately asked for my issue to be escalated. The representative said she would escalate the issue but I never received a call from the escalation department. A few days passed and the dealer contacted me stating that my rate had increased due to having been {$1400.00} over my approval amount. I called the lender again and was told that all was resolved and we reached a new agreement. A new approval amount was uploaded to the system and when the fewer called to confirm new terms Bank of America said that the loan was back in UW. How can an approval be given in WRITTING before an UW looks at it. Again I called lender and they said that I needed to go back to my dealer for answers. Why do I have to go back to the dealer when they did n't tAke care of my financing? I submitted my loan directly thru bank of Americas website!!! To make matters worse I was. Ever assigned a loan officer and ifs a loan officer is assigned it 's out of formality because no one has ever reached out by either mail or phone to introduce themselves, which makes this process even more confusing. So to sum it all up I was not assigned a point of contact, I am being mislead as to what the reasons of various UW are and although I have asked for my loan to be escalated no one has reached out. My application is about to expire on XXXX XXXX and I refuse to have my credit pulled again when it 's not my fault.

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 2016-04-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX we bought a new vehicle from a car dealership whom bought the previous vehicle financed by XXXX XXXX XXXX. The dealership sent the total payoff to XXXX XXXX XXXX before the 30 day mark. We noticed the inaccuracy immediately and informed this credit bureau. The creditor stated that they do not see where they reported it this way. XXXX instantly took it off after contacting the creditor. 

This CRA sent us investigation results stating that they verified the status. How is this possible? On my credit report ( which is attached ) under the STATUS it is reporting LATE and 30 days past due. This CRA is reporting inaccurate information and lying to consumers to save money by not fully doing their job to investigate inaccurate information for consumers. 

This inaccuracy is keeping us from getting approved for a new home and causing us financial damage and emotion duress. 

Please help us take action against this company, thank you for publishing tips on hiring legal counsel to help file a lawsuit. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
When my husband lost his job last yr, we contacted our mtg company to see about getting our mtg int rate reduced ( it 's @ 6 % & most ads were advertising mtg interest rates for LOT less ). We were only behind by XXXX payment which we brought current. Our mtg payments are {$1600.00} - only P & I - we never had an escrow acct set up for our mtg, since it 's inception in XXXX, it 's always been P & I only. We pay RE taxes/ Insurance when bills arrive, never late. Process of trying to get Modification was begun around XXXX XXXX. We provided ALL documentation SEVERAL times. Finally got Mod agreement - pymnts were MORE than current payment! Told them we did NOT want the modification agreement as it included Escrow acct. They ignored us! Continued sending paperwork for the Mod Agreement. 
Now they have paid full yr of our RE taxes & Insurance by using our XXXX & XXXX XXXX P & I pymts & not applying pymts to mtg. They are in violation of Fed Bankruptcy Chapter XXXX reporting laws - they show our acct as delinquent on all XXXX Credit rpts as they themselves have made it " delinquent '' by paying a full year 's insurance & real estate taxes by using our Principal & Interest payments. 
Latest letters say they will work with us to go thru the Modification Agreement by submitting ALL paperwork again & work with other lenders to POSSIBLY get us placed with a different mtg company and the latest letter we received on Saturday, XXXX/XXXX/XXXX says we " opted to sell our house ''! We have NOT indicated that we want to sell our house!! ( Part of mtg process our issue is related to is actually # XXXX, # XXXX, # XXXX & # XXXX! ) It appears to me that the employees do NOT know what they are doing nor do they listen to their mortgagees, each person tells you something different - the account manager tells me one thing, then a person in Esc Dept tells me something entirely different!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
For Over 30 months, I was enrolled in MHA program thru Bank of America loan service provider, with no offers of principal reduction. After 30 months with no other option our family had to short sale, and {$110000.00} in equity, investment and appreciation in the home was gone. MY justification for full restitution is supported by-TO receive bail-out money from the Federal Government, after securitizing, packaging, promoting, betting against and most of all profiting from fraudulent bogus mortgage backed securities, Bank of America AGREED to a " Servicer Participation Agreement '' with Treasury requiring it to, XXXX XXXX, use " reasonable efforts '' to " effectuate ANY modification of a mortgage loan under the XXXX HAMP XXXX. " This consideration owed the Government by BoA was in exchange for acommitment by the Government to provide BoA potentially XXXX taxpayer dollars for its promise and obligation to comprehensively provide HAMP screening for all homeowners serviced by BoA, to extend HAMP Trial Period Plan offers to all such eligible homeowners, AND, extend pennanen, HAMP modification, to ALL eligible homeowners whose mortgages it services. 

Case l : XXXX XXXX XXXX Filed XXXX/XXXX/11 XXXX XXXX of XXXX PagelD # : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I purchased a product from XXXX in the amount of {$750.00} on XX/XX/2015. The product came highly suspiciously, all the logos had stickers covering the product. Some of the products did not work. I then contacted the company for them to send out replacements. They said they would but first I had to provide evidence the product was not functional. They only made available an email address to send a video. Email is limited to XXXX attachment and I complained to the merchant. They ignored me so I initiated a credit card dispute. Bank of America was completely not a neutral party. First, they claim that the company not honoring the warranty does not apply to " Not As Described '' and so they refused to initiate a dispute. I finally got them to accept the dispute, but they did n't apply it how I said to. Then, later, they demanded that I prove the product was defective by getting a third party opinion written on letterhead. When I claimed this was not possible and instead made and upload a youtube video with proof they said they were not going to accept video evidence. Finally, they said that I had to pay the $ XXXX to ship the product back to XXXX and that as long as I had the product they were not going to do any more on the dispute process.

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 2016-06-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I have never received a bill from the vendor or Syndicated Office Systems ( debt collector ). I found it on my credit report in XX/XX/XXXX that it was reported as first delinquent in XX/XX/XXXX. However, I called the hospital on XXXX/XXXX/XXXX and they informed me that this charge was for date of service in XXXX XXXX. Syndicated Office Systems reported it as first delinquent on my credit report XX/XX/XXXX, more than 7 years later. And, now it 's on my credit report until XX/XX/XXXX from a bill I never received. I have no idea what the charge was for.

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 2016-05-02 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:
Husband passed recently and he had no will and XXXX accts with Bank of America. XXXX was our joint checking, the other XXXX were XXXX a XXXX and a XXXX acct. I told the bank rep wanted to keep those XXXX they told me would have to go to Probate to get access. I did go to probate and was asked to list assets did n't list the fund acct only had XXXX. Since the passing I established a scholarship acct in my husbands name and planned a huge scholarship event, I have deposited XXXX in the XXXX. A few days before the event tried I to withdraw some of the funds for expenses related to the event and told could only make deposits because my husband had sole propriortorship on the acct. My attny rushed papers through probate listing the acct to give me access, now the bank says the amt in the bank at time of death was XXXX and the amt now is different. Attny says this is not part of the estate. My husband did not raise the f ; unds and it is not his funds.I have expenses related to the event not paid and this has become a disaster. I have more checks and cash to deposit. No one in the bank advised me that I should have established another XXXX acct in my name but they kept taking the deposits. The bank is ignoring the court documents giving me access, you get nothing but the run around when you call, no return calls, each time you speak with someone its a different story, they act like they will help and then it always diverts back to there is nothing they can do. The local branch reps are poorly trained and not helpful at all.

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