vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I recieved a bill that stated i was past due and I owed {$550.00} and that I was past due. This is almost {$200.00} more than my monthly payment. When I call I have to wait on hold for at least 20 minutes. Then when I talked to the lady she said no, I owed {$340.00}. She could not explain why I owed that much. Then she told me that XX/XX/XXXX my payment is going up. I am on Income Based payment plan and am not up for my application until XX/XX/XXXX. The lady claimed that I must have been informed that my payment was going up. I said no I was not and that I have been paying the same amount for months. I then asked to speak to a supervisor. After waiting 30 minutes, one was still not available. She told me they would do " research '' then call me back. I said no that I did not want to default because apparently my payment is already late. She told me they would n't report it to the credit bureau until I was 90 days late. I would not accept this. I told her I would look at my payment history and call back. I called back 30 minutes after and got a new lady. She said no, my account is not late and in fact it is up today. However, she also told me that they are missing one payment of {$200.00}. This {$200.00} was taken out of my bank account nearly 3 weeks prior but they claim they never got it. She told me I had to take it up with my bank. Again, I demanded they give me some sort of resolution to the problem. She told me I had to print off my bank statement and mail it in for them to " research. '' Meanwhile, {$200.00} is missing!! 

Also, I have tried to set up my auto payment out of my account for more than the minimum that I have to pay. They have told me that is not possible, they ca n't draft more money out of my account than the minimum balance. I find this very hard to believe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX services changed my address for emergency purposes. When BOA asked my insurance company to provide proof of coverage the documents show the new address not the old address. I have provided BOA proof of the new address from my county at least 6 times via mail, fax and email. When I call in every person every rep tells me they see the documentation but do not know why it is not fixed and they do NOT have the ability to get someone on the phone. They keep just sending emails. Since this has occurred BOA has threatened me 2 times with buying homeowners insurance at MY expense because they can not get it correct. I have attached the documentation to this complaint.

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 2015-08-27 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We have a timeshare at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. We were contacted by XXXX XXXX XXXX and XXXX XXXX XXXX saying that they have someone interested in buying shares in order to have voting privileges at the resort. We participated for a while, including sending a wire transfer and providing our drivers license copies to them. Then, we began researching the companies and became skeptical. They placed many phone calls to us, but once we asked for all communication to be via email, reimbursement for our expenses, and to void on the deal, their communication has ceased. We have not received a refund, after them saying it would take 25-30 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: AZ

Complaint narrative:
I had a debt with XXXX XXXX, a hospital in XXXX, AZ. This happened right when the branding was changing from XXXX XXXX to XXXX. I received many letters from many departments that all had something to do with a particular emergency room visit. After paying this, apparently there was another piece. I never got any other notices, nor did I get a single bill ever from Central Financial Control aka Syndicated Office Systems. This just suddenly appeared on my credit, and after resolving the debt, they refused to delete the line item. Many many collectors will do a paid in full/deletion, as it does my score NO help by having a paid collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient employees are repeatedly calling and leaving messages on phone numbers I have asked them to remove and do not call ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
BOA are the frauds, theives. I have no idea why they placed a negative report on XXXX. If there was any suspected fraudulent activity whywas n't I notified?? Especially when they reported me XXXX XXXX & I had the acct till XXXX XXXX. They are the frauds. For several years they changed the order of my debits, POS transactions, etc. At least every month my acct would be in the negative. Sometimes as much as {$400.00}. I always kept very good banking records. Everyday I would deduct all my transactions exactly in the order they were done. When reviewing my negative balance and banking transactions over the phone. They always completely changed the order the transactions were done so the largest ones went thru first instead of the correct order which I deducted. When I would go to the bank to try to resolve my acct & fight for the fees back they always had my transactions go thru in their favor. I was a single mom with a child a house and XXXX jobs. They took XXXX off me. Approx that same year I along with thousands of others were involved in a class action lawsuit with BOA. Eventually I received a small compensation from it, but it was a drop in the buck compared to what they took from me. Please help me with this and maybe see if you cab have those theives remove me. Ty, 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 2016-01-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Please know that I have filed a lawsuit against Bank Of America, XXXX, XXXX, And XXXX concerning the tradeline on my credit report from Bank Of America. I have already prevailed in XXXX of the cases against XXXX of the agencies. I have enclosed a copy of the complaint and proof of service. I am trying to avoid Small Claims and civil case. I am giving one last opportunity to correct their mistake and remove Bank Of America completely off of my credit report or correct the trade line as never late. 

In a recorded conversation, the representative said that they were not able to prove/send me anything that I was ever late. I have shared this phone call with the credit agency, and to Bank Of America Corporate, yet they continue to report inaccurate information about me and I have sent several rounds of letters to both Bank Of America And The Credit Agencies, all whom now have individual cases that I have brought against them, XXXX of which I have already prevailed with damages under the FCRA. 

At this point the damage has been done and I am holding all parties from the Information Furnisher to the credit agencies all responsible and have yet to receive any correspondence from Bank Of America Or The Credit Agency regarding any responses to my letters that I have sent certified mail, all were received. 

All of my previous letters via certified mail stated my reasons for dispute and were not frivolous in anyway. 

I will prevail as the protections afforded to me under the FCRA entitle me to {$1000.00} per violation. This is my final communication attempt before court in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-09 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: TX

Complaint narrative:
I agreed to set my account on " autopay '' for Navient to debit {$230.00} per month from my checking/debit account. On XXXX XXXX, XXXX, Navient debited {$480.00} from my account which is {$250.00} more than I agreed to pay monthly. They debited more than double the amount authorized without informing me of the increase. When I spoke to a customer service representative, she said that I received information about a graduated repayment plan in XXXX - yes, XXXX. That is 2 years ago. Since that time, my account repayment has been renegotiated on a couple different occasions, and no one informed me of the increase. The customer service rep told me that I received an electronic notification in XXXX XXXX that my payment would increase. I did not receive that correspondence. Even if the payment amount went up due to a graduated repayment plan, I NEVER authorized this company to debit more than {$230.00} from my account in writing, on a voice recording, by email, text, or any other method of correspondence. Even if they increased my payment amount, they should have billed me for any remaining amount higher than {$230.00} so I could either pay on my own accord or contact their auto-pay department to AUTHORIZE Navient to debit my bank account for a higher amount than what was agreed upon. In addition to filing this complaint with CFPB, I am also going to my bank to make sure this company can never automatically debit any amount of money from my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I dont owe money to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I received a {$1.00} fee from my AAA Bank of America card for " MINIMUM INTEREST FEE. '' I have never used my card for anything other than a retail purchase and I have never carried a balance. After calling them, they claimed/admitted that it was a " mistaken '' charge and agreed to refund it. I expect a refund within the next few days.

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 2016-05-20 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:
Navient on two separate occasions has capitalized my interest unnecessarily, by randomly redisclosing my loan terms, which causes the interest to capitalize. They are now charging interest on a higher balance, which is increasing the amount that I am paying back. No one at Navient is able to assist me when I called about the second instance which occurred in XX/XX/2016. The amount of interest was almost {$1500.00}. They redisclosed my loans by reducing the term by 1 month, which makes no senseThey have also refused to lower my variable interest rate which now stands at 11 % and wont put me back on the interest rate reduction plan that I was on last year. This is causing me to have trouble making my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I realized starting XX/XX/2015 that it seemed like I did n't have as much money as I had put in my Bank of America Checking account. By XX/XX/XXXX, I was unable to pay my bills even though I was working full time, and I was forced to take a loan out. At that point, the loan seemed to disappear. There were a few transactions that were n't mine, but not enough to equal to what was missing. I printed out my bank statements and realized that what I purchased was {$5100.00} less than what came out of the account. That was in XX/XX/XXXX. It seems like every time I buy something, double that amount comes out of the account. 
I have called Bank of America repeatedly and they wo n't do anything about it. 
I have lost my house, was forced to move away from my family, and have defaulted on all my bills due to this problem. I have serious health issues that are going untreated at this time. 
Someone I knew told me that they heard that people were stealing money out of the account in XXXX XXXX, and Bank of America has a picture of a person attempting to make a withdrawal out of my account for {$800.00} XX/XX/2015. I know this because they called and asked me to approve the transaction, and I told Bank of America it was n't me. This happened where I lived, in XXXX, CA. 
Bank of America told me I did n't have to do anything and they would take care of it. I continued to have theft on my account and when I finally asked them about what there investigation had turned up, they would not give me a photo of the person. They told me they were not allowed to and I should have made a police report at the time if I wanted the photo. But I was not told to make a police report to get the photo of the person at the time of the incident. They told me I would have a name as soon as they did. 
Due to Bank of America 's actions, my life is ruined. My credit is in shambles and my health is deteriorating. I have tried to make police reports but due to Bank of America 's actions, the police say I have nothing to report. Everything was take from me and Bank of America is complacent in it.

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 2015-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I started getting calls from XXXX XXXX XXXX XXXX at XXXX on XXXX/XXXX/15. I also had a missed call at XXXX. I 've had 10 more calls in the 4 days since then some very early in the morning ( XXXX around XXXX ) until late in the evening. 

Most disturbing is that they have obtained information about me illegally and contacted my XXXX today. I have not ever and would never provide my XXXX office number as a contact for any credit application. The only place anywhere that I am associated with my XXXX is via XXXX as on of the contributors of the XXXX page. I have never been an employee or provided any official service at the address. 

I 'm not comfortable contacting them from my phone due to the fact that they have collected very personal information about me from an unknown source. I literally feel afraid with this latest development. 

I contacted the number from a computer phone at the business stated that they are Pioneer Credit Recovery XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I do n't have any additional information or bills from them as a direct or collection agency creditor. 

I 'd like to have some support in taking proper actions, as their approach has left me feeling physically unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Applied for a mortgage refinance with Bank of America, spoke with XXXX XXXX. After submitting my application, he said " thank you for your application '' I will work on your application over the weekend and get back to you. XXXX of the application questions was " are you a co-signed on any other loans ''. I explained yes, I co-signed for my son 's college loan but that he would be making the payments. XXXX XXXX stated he would look into it being a problem. We hung up. After not hearing from XXXX XXXX for several days I called him back. He replied " yeah, sorry for not getting back to you, but your income debt ratio is way too high with the student loans showing up on your credit report. He also said that once my son was paying on his student loans for at least a full year we could reapply and show proof that my son was indeed paying his own loans. '' Ok, so the loan was denied. Fast forward a month, I never got a denial letter and I know that the law states that denial letters must be sent out. I called the banking commissioner and was given this site to process a complaint. Also, last night XXXX XXXX called me to say that he heard I was upset for not receiving a denial letter but that I never submitted an application. What??!?? I worked for a mortgage company for years and I know when I submitted an application and hung up on him. Also note that roughly 2 years ago, I applied for a refinance with Bank of America and even had an appraiser come to my house which I had to pay for. I never got a denial letter from that application either. I was told over the phone that my income to debt ratio was too high. I questioned why then was an appraiser sent to my home if they knew my loan was going to be denied and they had to answer. Again no denial letter. I did file a complaint as to why an appraiser was even ordered and received an answer back basically telling me that they can do what they want. Again, no one has ever addressed the no denial letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: PA

Complaint narrative:
My loans through XXXX were deferred as I am a current student, when navient took over they began to bill me and affected my credit. When I called I was forced to begin paying on my loans which I can not afford since I 'm still a full-time student. My payments to navient cause me to fall behind on my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
It is with deep regret that I must contact you once again to obtain information that is permissible by law. Navient ( XXXX - XXXX ) was contacted with a request for complete account transaction history from the origination ( XX/XX/XXXX ) of my Parent Plus loan up to the current date ( XX/XX/XXXX ). Also, a request for an amortization schedule for the same loan was made. As usual, it was promised as a deliverable within 7-10 business days ( it came ), yet the history was incomplete and the amortization schedule was not included. The XXXX XXXX, XXXX and Navient information was missing, containing only data between XXXX and XXXX from Navient. The original loan balance was {$13000.00} ( XXXX XXXX ) and as of date with years of payments, the current balance is {$15000.00}. How can that happen? The servicer ( Navient ) is not supplying information that is promised. My problems are as follows : 1 ) application of payments ; 2 ) the amount applied to interest is higher than they were at the beginning of the loan - principal application is not going up ) ; 3 ) the incorrect manner in which capitalization of arrears is handled ; 4 ) Customer service does not provide information requested ( sent two sheets that were identical - happens all the time ). I am certain this is not an isolated situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I opened a checking account in Bank of America about one month ago. Before that, I did n't have any business relationship with BOA. 

After getting my debit card, I tried to activate it. But when I made the phone call, the custom service told me that my account is permanent closed by BOA. And I can not have any account for lift time with Bank of America. When I asked the reason, BOA risk department just told me again and again : " It is a business decision ''. 

I do n't understand why BOA first approved my account application and closed it immediately. I did n't do anything harm on BOA. And considering I never owned a BOA account, debit card or a credit card, I really can not understand why BOA did it.

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 2015-12-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Five or six months ago, I noticed a monthly overdraft fee of {$12.00} on my simple Bank of America checking account. For the last three months, I 've been asking my bank to stop the overdraft fee ( remove the overdraft protection from my account ) and explain the $ XXXX monthly maintenance charge. I 've gotten no explanation for either, I 'm just told that the bank can not do anything about it, and I 'm still incurring both fees.

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