vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-22 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: IL

Complaint narrative:
I entered into a payment plan with Navient. It was agreed upon that I would pay {$510.00} on the XXXX of every month. Yesterday, my credit monitoring service notified me that Navient is reporting that I am over 60 days late on payments with XXXX accounts. As a result, my credit score took a drastic drop. Not only have I not missed a payment, they have been paid on time and I have my bank statements to prove it. While on the phone with Navient today, the gentleman on the phone told me the purpose of the repayment program was to help me, but instead it is hurting me. What 's the point of making payments if will still be reported late?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an XXXX Mileage credit card issued by BankofAmerica on XX/XX/XXXX. The welcome bonus is XXXX miles + {$100.00} credit after {$1000.00} spending in the first 3 months. I checked with the customer service on XX/XX/XXXX and the CSR told me that I met the spending requirement and the bonus should be posted in 1-2 billing cycles. The CSR also help deal with some wrong fee charges. I also checked that the total charge on my account since XX/XX/XXXX is over {$1000.00} and I think I am good to go. However, I checked with customer service earlier today to see the status of my bonus and was told that I did n't meet the spending requirement and the info provided to me last time is wrong. The difference is from the annual fee charge and it does not count towards the spending requirement. While I agree with that, I find it not acceptable for the CSR to provide me misleading information in the first call and the wrong information caused my failure to meet the spending requirement in time ( I have another few days to meet the spending requirement if I was told the correct information during the first call ).

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 2017-01-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
General Revenue is the company that bought my debt from Indiana XXXX University. I 've made several attempts to simply see my balance on paper or the internet and have called to find out where I can see this information. I spoke with XXXX XXXX when I called they 're company and he refused to help me locate the login section of their website and would not send me a letter. He sarcastically remarked that they 've sent me numerous letters then said he would transfer me, only to mute the phone and leave me with silence. I just want to see how much I owe and set up a reasonable payment plan but I can not get anyone there to help me.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I came across financial difficulty. When I attempted to lower payments or work out an agreement navient would always push me to deferment or forbidance. They have always reported me late to the credit bureau, charged a TON of interest, and late fees. Was not willing to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had a home equity line of credit with Bank of America that is still showing as open after XXXX and a half years since my last payment. it then went to charge off status, but still shows as open. It should fall off my credit profile in the next couple of months. I have disputed this info with XXXX and B of A several times and they keep pointing the finger at eachother

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XX/XX/XXXX I applied for a Home Loan modification with Bank of America. I completed the trial period and was approved for a permanent modification in XX/XX/XXXX. When I called Bank of Americain XXXX XXXX to make my monthly payment the CSR told me that they would not accept my payment because my house was in foreclosure. I tried for several months calling every week to make a payment or to find out what was going on and no one could give me a straight answer. XXXX person said there was a " glitch '' in the system and that it would be fixed and I could mail in my payment which I did in XXXX XXXX. I thought the problem had been solved until the day I was supposed to make my next monthly payment, I received back in the mail the payment I had made in XXXX XXXX. Still after that I called every month to find out what was going on and no one at Bank of America could tell me. A year later in XXXX XXXX I hired a lawyer from an online website XXXX out of New York. Needless to say the charged me XXXX dollars a month for 8 months ( XXXX XXXX dollars ) and they did nothing! Took my money and never appeared in court on my behalf. I just found out this Law Firm scammed hundreds of consumers and is now filing bankrupt. To make a long story short Finally this year Bank of America was I guess trying to get their act together but too Late for me they said because im too far behind for them to help me and by the way, what happend to my modification was called " DELAYED CONVERSION '' ... ... .Bank of America recently sold my mortgage to XXXX XXXX XXXX. Im trying to go thru the modification process with them but its not looking good for me. There is a strict foreclosure judgement for XXXX XXXX, XXXX. 
Because of Bank of Americas negligence I am going to lose my home..Not Fair! Please please if there is anything anyone can do for please let me know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I regards to my previous complaint XXXX, below : I ca n't even try to submit a payment to pay them ; PERIOD. I 've scheduled payments that they never drafted as promised and please see below for a payment I tried to submit online. Lastly, I submitted more than one months payment via mail to cover a month 's mortgage plus ALL/ANY late/fees and BOA lost the payment and applied to wrong account apparently, only after months of faxing check deposits of the cleared payment and copies of my payment clearing and more documentation from my bank did it FINALLY GET POSTED!! Never did BOA clear my back fees or take into consideration with this recent foreclose proceeding!!!!! WHAT IS GOING ON???!!! PLEASE PLEASE HELP ME, PLEASE, I 'M ABOUT TO LOSE MY HOME! 
-- -- -- -- -- -- -- -- -- - Things have not only gotten worse but escalated beyond my control and I need HELP PLEASE! Anyone, anything! Should I call the news? 
BOA HAS NOW SAID AFTER 8 MONTHS OF THIS HUD LOAN REVIEW PROCESS YHAT ALL OF MY DOCUMENTS HAVE EXPIRED AND I NEED TO RESUBMIT DUE TO A " NEW UNDERWRITER TAKING MY CASE BECAUSE ORIGINAL ONE CHANGED PISITIONS .... Now a new set of guidelines, rules and more of not just the same requests being submitted. I more confused than EVER before on what this new underwriting needs and NO ONE COMMUNICATES IR CALLS BACK. New documentation requests estate I need to show/prove things " from previous conversations '' ... Those in which I never had because I 'm lost as to what they 're talking about!!! TOP IT OFF, I 'm apparently 6 months in the rears of payments because my husband and I XXXX been paying mortgage payments out of XXXX asked are accounts with phone representative each mo th.. Turns out that 's payments were never credited to my mortgage rather lost in " miscellaneous postings '' because they were n't one full payment! They can neither apply the payments nor fix the fact that IVE PAID MY MIRTHAGE DURING THIS TIME! I am now apparently {$4200.00} + behind and was told UNLESS I PAY FULL BALANCE NO LAYMENTS WILL BE ACCEPTED!!!! Please help, I know this has to be illegal, right??

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 2016-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I have no knowledge of the debt trying to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Southwest Credit Systems is reporting a collection account on my credit report that was previously assigned to XXXX XXXX and was deleted. Then, I get an alert on my credit report that SWC reported this account with an open date of XX/XX/XXXX. How is that possible? Now it says this account wo n't be deleted from my credit report until XX/XX/XXXX, which means they extended the statute of limitations and should not be allowed. They are in clear violation of the Fair Credit Reporting Act. I even tried to file a complaint against them with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: NH

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS Address : XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$180.00} past due as of XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 


Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$180.00} High Balance : NA Recent Balance : {$180.00} as of XXXX Recent Payment : {$0.00} ( Someone fraudulentlyopened up an account ) and my address for the last 2years XXXX, XXXX Nh XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: LA

Complaint narrative:
XXXX XXXX suit us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the XXXX suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see complaints # XXXX against the XXXX collection agency and # XXXX against 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 2015-12-22 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Coastal Financial Solutions, LLC
State: WA

Complaint narrative:
I received a call from my mother that this company, Coastal financial solutions LLC was trying to get ahold of me about a past due payday loan. I called the company back immediately to figure out what loan they were talking about and to update my information so they could get ahold of me directly. A representative named XXXX XXXX answered and immediately told me I would be facing jail time if I did not cooperate and make a payment. First I needed to be reminded of this loan - it was over 2 years ago and had slipped my mind. I asked him if I could give him my updated info to get ahold of me and he said no. He stated until I make a payment they will continue harassing distant family to get ahold of me. I advised him that he needed to work on his customer service skills as his tone was getting loud and aggressive. I told him that I would be understanding because I 've worked in customer service, he immediately interrupted me and yelled that the reason I have this debt to begin with is my poor customer service skills which obviously got me fired from a job. This is completely untrue, I was not fired nor did I have a customer service job when this loan payment lapsed. I had a death in the family about a month after i received the loan so it had slipped my mind I had to move and get a cheaper phone so my address was different as well as phone number. This representative XXXX XXXX accused me of flying under the radar purposely as to not have to pay this loan. At this point I 'm fighting back tears while I 'm at work because I do want to resolve this issue, but the REP continued to interrupt and talk over me threatening me, telling me I 'm basically stupid because I have a past due payday loan and trying to make me believe he is the only thing that can keep me from going to jail. I finally just started saying ok as he continued to belittle me so I could get this issued resolved. I asked to speak with a manger and he deined my request saying that he is the only one who works there and has been assigned to my case. I noticed online that other people have also had trouble with Coastal Financial Solutions LLC and it needs to stop, we are all human beings with feelings and difficult life situations. This rep was so rude and derogatory, I tried to stand my ground but he would not let me speak. He made me feel as if I have no options left.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I will be attaching my last dispute to communicate best with you what 's going on. However, my main issue is with the XXXX Texas Tolltag Authority. My main XXXX complaints are 1 ) The fees they charge ( {$25.00} per invoice ) are incredibly exhorbatant and 2 ) Their billing makes no sense. They retroactively send invoices for 3+ years in the past with {$25.00} fees attached, having never sent invoices prior, then refuse to remove the fees. I recently received a bill for the first time for {$120.00}, for only {$21.00} worth of actual tolls, from XX/XX/XXXX, having never seen it. Please read the attached dispute to more accurately get a sense of the lengths I have gone to get verification on my debt. My main concern is that there is absolutely no governing body that makes sure the NTTA is within any type of fair billing practices. There is no one to go to when you dispute the charges. They hold you hostage for as long as they like with bills from the past and then if you do n't pay it, threaten with arrest. I have spoken with lawyers who refuse to take my case because " there is no point in fighting with the NTTA. '' I have spoken with so many people who have the same issue but have no where to turn. Someone has to be there for us, to impose some type of rules on them. Their billing has to make more sense, there has to be some type of rules that govern how they can collect and how far back they can go. I just do n't understand how this entity gets away with this and no one questions them. I have paid over {$2500.00} to them for tolls and received another packet for {$12000.00}, only {$1000.00} of it is for tolls. FROM AS FAR BACK AS XX/XX/XXXX! Someone please has to help us Texans, it 's ridiculous.

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
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Huntington Bank 's decision to stop using deposit slips is not customer friendly. I have just made a deposit of several hundred dollars and it took three times as much time to complete the transaction as it normally would. I think that the customer should still have the choice to use a deposit slip or not. 
I am a very annoyed customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: MVBA, L.L.C.
State: TX

Complaint narrative:
I was contacted by the XXXX XXXX XXXX concerning an unpaid traffic ticket. The left a message on my cell phone ( which I saved ) saying to contact them concerning a legal issue. This is in violation of the TCPA and the FDCPA. I contacted the city where the ticket was issued and they were shocked and recommended I file a complaint with you.

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 2015-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank took over XXXX dollars from my accounts and left me with a XXXX balance with no warning or notification. The representatives were very rude in informing me that the money was taken for an offset from the previous year. This left me in a very precarious situation as I was unable to maintain costs for work and home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
At this time The debt collection agency continues to report invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-26 00:00:00
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: Netspend Corporation
State: MA

Complaint narrative:
i keep receiving emails from Netspend prepaid XXXX, this is their email : XXXXXXXXXXXX They keep coming ( XXXX so far ) thanking me for applying ; i will be receiving my card soon ; directions on how to activate. I DID NOT APPLY FOR A CARD FROM THEM OR ANYONE ELSE. I called all XXXX credit companies and put a 90 day fraud alert also paid {$5.00} to freeze XXXX of them. I did save the emails but was careful NOT to go to click link. I did cut and paste the first XXXX to address bar to check out who they were. It looked like a legit site and said if you receive unsolicited emails from them it was phishing and to forward the email so i did. But probably a mistake on my part because as stated above i keep receiving them. I have Not received a card as of today XXXX/XXXX/16

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
In XX/XX/XXXX my wife and I went to Huntington Bank and asked for a mortgage loan, and we were granted what we thought was a mortgage, because they took the deed as collateral, and in XX/XX/XXXX we went back to Huntington Bank to try to refinance, found out we did not have a mortgage but rather an installment, and could not refinance to a lower rate. The rate on the loan is 9.49 % Also we did borrow more money from Huntington Bank as a line of credit in XX/XX/XXXX, for a rate of 4 % abd when the line of credit was due, we did not have to money to pay it off, so they gave us a modification at a rate of 5.5 %. When we took the line of credit, we were told when it was due we could put the installment loan and the line of credit together and refinance the both of them together. When we tried to do that, the bank said we could not do that. feel we were mislead on this whole process, and we should have been able to refinance at a lower rate. Just the installment loan alone will hace cost me {$180000.00} for a {$95000.00} loan

Company response to consumer: Closed with explanation