vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
hi - everyday i receive calls from southwest credit systems, XXXX for someone else to my tel # listed in desired resolution field. they call every day sometimes 3 times a day starting before XXXX. they were told a year ago the person they are trying to reach does n't live here. i am a senior citizen and this is n't right. Now they call and ring three times and hang up if i do n't answer. It is harrassing they call me for a debt i do not owe. 
collection tele # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington National Bank emailed me offering XXXX to open up an account, I decided to open up XXXX and have a settlement of XXXX directly deposited into the account. I then made an initial deposit of XXXX. The bank then did not post deposits then continued to charge me over draft fees. the Deposits then posted they credited the fees, I then went to pay for my prescriptions without notice they cancelled my account. They have left me pennyless without the life saving medication I need until the 7/10 days I receive my check from them. Hopefully by then I wo n't be hospitalized for going without my medicine for that long. I then contacted the bank and refused to tell me whats going on and required me to go into the branch, I asked for a reasonable accommodation, which at that point I believe he said I have to be " Big Man '' and deal with it. To be mocked, to be over talked was absolutely disgusting when asking for a reasonable accommodation, When asked if that 's how they treat their customers he blunted stated that I 'm not a customers. He refused to give me any information besides his name is XXXX. The phone call Started at XXXX and they hung up 20 minutes later. Without the information I needed with just them being rude working me up so much I have been XXXX since incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I recieved constant calls from SW Credit Systems L.P. # XXXX about a XXXX XXXX for {$380.00} that was not mine. I call several times informing them it wasnt and I never lived in the XXXX area. They said someone must have gotten my Soc Sec number and they wanted me to pay it anyway. I refused and now I see they have placed my credit in collection and My score has dropped from XXXX to XXXX. I am sure this is an unreputable company after the many phone calls I made to them. Please let me know how to proceed in getting them to remove this black mark and completing this complaint. Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-15 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: HI

Complaint narrative:
I have a Parent Plus Loan that I have been paying on time, diligently for what seems like forever. I also co-signed a small student loan for my son. He has not been making the payments. I have bailed him out twice and decided I would not do that anymore. I have been getting threatening letters so I spoke with Navient today. I told them I would brorrow money from my bank to pay off his loan. They quoted me {$4200.00} to remove all my obligations from this loan. I asked them to place a letter in my credit record stating I was a co-signer for this loan and lived up to my obligations. They stated they will not write that letter. Is there any legal reason they can not place a letter in my credit record?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
On XXXX/XXXX/2015, I filed an dispute with Syndicated Office Systems. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised them that not complying wit the FDCPA will put their company in a bad position with the CFPB. Syndicated Office Systems never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been making biweekly payments towards my auto loan through my bank 's bill pay service for more than a year. The monthly total has been more than the minimum due. Come to find out the payment overage has not been being applied to the principle balance, but to the next payment due. I called to have each payment overage applied and was advised this could not be done, but they would adjust XXXX payments as a courtesy. Going forward the only way to have a payment applied to principle is to mail a check ( Who uses checks? ) or get a bank account through them ( obligating me to get another product through them to reduce my principle loan balance! ). That 's ridiculous and not the case with other loans! I pay more than the min due on a credit card and it goes to principle not the next payment! I originally set up the biweekly payments for more than the minimum due to payoff before the maturity date. The plan I chose, with a financial planner, should have paid off the loan 6 months quicker. Now all my long term financial plans have been delayed by 6 months. I made the choice to be responsible consumer and now I am being punished for B of A can make a little extra money off me and derail my financial goals.

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 2016-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America provided me with an Estimated Loan and Closing Disclosure that was extremely inaccurate and may cause me to lose the purchase of a property. They did not notify me until just hours before my scheduled closing to inform me of the error and it was only after I had made several calls and sent a few email messages for an update. The bank did not provide the correct initial tax escrow amount when advising me of my estimated closing costs which left me several thousand dollars short of being able to close. The poor responsiveness and lack of consideration I 've received from the bank mortgage broker and his manager since this happened is very disappointing. They are well aware of their error and have yet to take responsibility and offer a reasonable resolution. The only offer I have verbally received from the bank is to come up with approximately 40 % more cash to close.

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 2016-09-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I used the Bank of America App to transfer money to my friend, XXXX XXXX. On my list of recipients for person to person transfer ( using mobile numbers ), I have a few people. When I transferred {$1500.00}, I sent that money to a wrong person on my list, XXXX phone number. The problem here is..the phone number for XXXX XXXX on my recipient list no longer belongs to XXXX XXXX. I called BOA right after I transferred the money and BOA could not credit back because the person ( who has XXXX phone number ) already took the money. About three weeks after I field a claim, I received a mail from BOA, and they can not credit back because they can not contact the other party. My account record still shows that I sent money to XXXX XXXX, not the unknown person who has XXXX phone number. I have all the records regarding this issue.

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: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I frequently email, call and respond to them trying to get an income based repayment plan but they have been no help to me at all. They put me in forebearance for 2 months and attached it to my credit report. Not to mention i left that college 2 months after enrollment and cancelled out my loan but they said they could n't help me being the school signed off as me being there. I never saw any pell grants on top of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
An application for loss mitigation was submitted to Bank of America ( " BOA '' ), as the second mortgage, on XXXX XXXX, 2016. 12 CFR 1024.41 ( b ) ( 2 ) ( B ) allowed BOA five business days to acknowledge receipt and determine whether the application was complete. The timing is critical, since the first mortgagee has already issued a discounted payoff letter, the deficiency being forgiven quite substantial, and a closing must take place over the next few weeks in order to comply with the first mortgagee 's approval letter. BOA has ignored us. We have tried telephone calls to numerous offices including the office of XXXX XXXX, the company president, we have tried emails, faxes and tweets. BOA ignores us. BOA evidently employs individuals to respond to inquiries to office of the president, and tweets, solely for the purpose of giving " feel good '' responses to put the matter off until another day without actually doing anything to address the issue. see annexed pp. 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 with monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have been going back and forth between XXXX XXXX XXXX rewards program to figure out what happened to my points. Bank of America claimed to have transferred the points automatically, but I never received them on my XXXX XXXX account. I contacted Bank of America ( for the XXXX time regarding the issue ) and they finally transferred me to a supervisor that stated the rewards points expired. Before signing up, I was told that the rewards miles do n't expire let alone after a month! Bank of America kept putting blame on XXXX and sending me to them for resolve when BofA is the XXXX responsible for rewards transfers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12 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: PA

Complaint narrative:
I have been making payments to Navient for XXXX XXXX years. Its a private loan, and they pretty much refuse to help me in any way shape or form, even when I had no job and was struggling badly, which I guess is up to them. However, recently I went and checked my payment history and how they were being applied, and its ridiculous how they apply my payments to the loans. There is absolutely no pattern and they wont give me a clear answer when I ask them why my payments are being applied the way they are, and why Ive made next to not progress on my loan. After over 3 years of making usually monthly payments, my principal balance is actually HIGHER than it was when it first started. That makes no sense, and even they wont explain it to me, The only time they are willing to talk to me at any length is if I owe them money, in which case they will call me 6-8 times a day, but if my loan is current, they will just rush to get me off the phone as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAVE REQUESTED AND APPEALED TO MY MORTGAGE LENDER ( BANK OF AMERICA ) TO PLEASE CORRECT THEIR MISTAKE ABOUT EVALUATING MY LOAN MODIFICATION APPLICATION BUT THEY HAVE FAILED TO ADDRESS THIS ISSUE REPEATEDLY!! 
The lender approved my trial loan modification but then they refused to turn this offer into a permanent plan!!!! They claim that they can not verify my tax returns from 6 years ago!!!!!, i.e. XXXX and XXXX. This is an absolute false claim from B of A because I have presented all the tax returns for every single year that they requested, including XXXX & XXXX. 
I even gave them official transcripts DIRECTLY from IRS, confirming that I DID file taxes for all the years disputed by B of A. 

So I have all kinds of proofs that my tax filing history is correct and accurate. But the lender keeps repeating a false claim and a baseless assumption with no proofs whatsoever!!!! 
They keep repeating their wrong information regarding events of 6 years ago!!!! 
This behavior is both unreasonable and very unfair. I have solid proofs of my tax filings which I have repeatedly presented to them. Yet they keep repeating the same false assumptions!!!

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 2015-07-22 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: NY

Complaint narrative:
I am the co- signer for my son XXXX XXXX private student loans. Over the course of time I sent money order payments in to pay off the loans I co-signed. I specified with the payments that they be applied to the loans I co-signed and to the one with the highest interest rate first. Some of the monies I sent was applied to other student loans that my son had which were Federal Loans and I did not co-sign. I did not keep good records of the payments I made and my son lost his job and stopped making loan payments. I have called XXXX XXXX and Navient numerous times to try to go over the payments so they could apply them properly. I have spent hours on hold waiting to get to the right person and then promised that they would get the information together and call me back but they never do. They have since sent the dept to a collection agency and they are calling me for payment. I am pretty sure that I have paid more than I co-signed for and I need them to give me the loan history so that I can tell them which payments I made that were not applied to the loans I co-signed. They have also reported to the credit agencies that I am delinquent and ruined my credit. I have a small business and rely heavily on my good credit standing to buy merchandise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Medical breach of records and have submitted proof and now they and their lawyers are trying to collect same debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am reported to XXXX by Bank of America ( BOA ) for apparent fraud. There was never any fraudulent activity on my behalf. This was reported sometime in XX/XX/XXXX, but came to my attention in XX/XX/XXXX when I went to open up new bank accounts. I paid overdraft fees I supposedly owed BOA and they allowed me to open a bank account. A few days later they closed my account due to chex systems. I then spent many many hours trying to figure out why I was unable to open up an account at any other bank. After, a lot of research I began writing both XXXX and BOA to get this removed from the system. This began on XXXX/XXXX/XXXX when I sent my first letters out to BOA and XXXX. I did not receive a letter from BOA until XXXX XXXX, XXXX dated XXXX XXXX. Based on the XXXX XXXX, Bank of America did not follow the proper time frame and procedures in the Fair Credit Reporting Act. 

Over the past 18 months I have kept a detailed history of the extra time and money that I have spent because I have been unable to open a bank normal account. With the help of some online forums, it was pointed out to me how they violted the FCRA. I was ready to go to small claims court Monday ( XXXX/XXXX/XXXX ) but was advised that you all might be one last stpo to give BOA a chance to resolve this issue without the courts. 

I have my paperwork of certified mail return receipts and the letters that were enclosed. Bank of America received all this as well and do not feel the need to submit them at this time as I was advised to wait until court to provide my paperwork.

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 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for a loan modification with Bank of America in XXXX XXXX. My modification was approved by Bank of America XXXX XXXX, XXXX. The modification required that I make 3 payments at a different amounts from the payment amount prior to the modification. The payments were to be at the modification amount XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I made the first loan modification payment on XXXX XXXX, XXXX with the memo saying XXXX modification XXXX. I received a call today XXXX/XXXX/XXXX from XXXX XXXX from Bank of America asking me if I made the payment and I told her yes. I made the payment on XXXX XXXX. XXXX XXXX told me that because I made the payment early it may not count toward my modification. XXXX XXXX my loan manager asked me in XXXX if I wanted to pay my first pay early to get started.

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 2017-01-18 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: CA

Complaint narrative:
I had sent a notice to Navient on XXXX XXXX, XXXX regarding private school loans they are showing these loans as open and past due even though they had charged them off and last year had sent them out for collections and were harassing me about them. I am including a copy of that last notice, but want them to remove these from their system and stop requesting payments : XXXX XXXX, XXXX Navient XXXX, PA XXXX Re : XXXX - Account # XXXX To whom it may concern : I am writing to inform your company that I will not make any further payments on XXXX of the loans that your company is servicing and claiming still open. These loans should have been discharged in my Chapter XXXX Bankruptcy, however even though no representative from your company or any other attended the creditor 's meeting your company still determined these were collectable debts afterwards. 
Under duress of legal action against me I was pressured to make the last payments on XXXX XXXX, XXXX towards each of the loans. 
Since then I have informed your company and debt collection agencies you have employed that I will not be making further payment on these private loans. Under the California Civil Code the statute of limitations of four years from the last payment has expired and they have become legally uncollectable. 

Therefore under this law I am demanding no further action should be taken to obtain payments or settlements of the below noted loans including notices, solicitations or requests of any type including Navient 's website which continues to show these as late and is demanding payments to be made. 
I have worked to resolve the federally insured loans having consolidated the debt and will continue to pay on those consolidated loans. 

I am also demanding an acknowledgment from your company of this matter and that these should no longer be reported as open debts on your website or any other records of your company. 

The loan numbers are as follows : XXXX XXXX XXXX Sincerely, XXXX, CA XXXX They did not respond to my letter in any way and continue to show these as delinquent on their website and any time I try to make payments on loans that I have put into a modified loan their system still asks for payment.

Company response to consumer: Closed with explanation