vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-12 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: TX

Complaint narrative:
Navient regularly and consistently fails to appropriately apply my student loan payments. I have XXXX loans ; XXXX are paid for by my cosigner, XXXX are paid for by me. I ca n't use their Autopay system ( which I 'm assured works better ) because they have previously withdrawn large sums of money without authorization. Instead we send payments with notes regarding which chunk of loans are to be paid with each payment. about every 6 months this system fails, and we have to start again explaining to many staff members how the money is to be applied. They typically tell me I have failed to make a payment ( even though I can see it on my account website ), they threat me with late fees and collections agencies. They make threats about putting my account in deliquency. I spend weeks walking them through how to apply the payments and to which loans. I am regularly lied to about whether they will/are correcting the issue. No one is accountable when that fails to happen. They sometimes call a dozen times a day about it. I have spoken repeatedly to their Consumer Advocate office to no avail. I have determined that on time, in full payments are not ideal to Navient. They would prefer defaulted loans that they can bleed for late fees and collections fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In the past I had a bank account with Bank of America. Back in 2015 I had an account with XXXX bank that I had to close due to my account being compromised so I opened a new account. I accidentally deposited a check into my Bank of America account from the closed XXXX account in error. When I realized the mistake, I made I contacted the bank and made the situation right as soon as possible. ( no funds are owed to BOA ) I made sure my account was cleared of all fees. I received a letter from Bank of America closing my account due to fraud. I called to explain the mistake and they told me that they put me on XXXX and there is nothing I can do about it. I have been fighting this for 2 years with no resolution. I no longer want to bank with them but would like to have the option to bank with someone else which I am not able to as I am on a fraud alert on XXXX. I do n't think a mistake which I owned up to and made it right instantly I should n't be punished for 5 years because a bank feels that they are right with no recourse. I have spoken to managers and supervisors and they all tell me this ca n't be removed. I need to send a letter to them. I have done that and the letters go un-answered and recently received a response because I reported them to the XXXX. The answer is they still refuse to remove it. I really do n't want to hire an attorney but I may not have any other option.

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 2015-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I am being contact because Navient claims I am a customer reference listed by my sister. I have told them repeatedly that I have nothing to do with her accounts and to stop calling me. They leave me voice messages threatening to take further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29 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: FL

Complaint narrative:
I XXXX XXXX hereby files a complaint with the Consumer Financial Protection Bureau ( CFPB ) as my only source to help me with a deceptive collection practice ( s ) from student debt collectors. As your agency may already be aware, the XXXX recently terminated their contract with Navient, as well as other agencies that were supposed to be collecting on nationalized debts, that is debts truly owned by the XXXX. However, the greed that exist within the debt collection community caught up with Navient, and many others when the XXXX suspended contracts for deceptive and illegal collection practices. Navient was never part of any student loan origination. They now claim that any student loans I owe are private, even though previously they claimed they were collecting on behalf of the XXXX. Now they claim that they can not defer payments, consolidate debts, or do anything other than collect on debts they have shown no proof of ownership. I have no clue as to what company is the trustful owner of any procured student loan debts under XXXX XXXX. Even though I never took part in any procurement of a debt from Navient, they ended up being the collection agency for a student debt incurring excessive interest and additional fees. I have requested through complaint to the company directly information as to what company owns this debt. Under the Fair Debt Collection Practices Act I am entitled to this information. I believe that if a debt does exist, it is part of a securitized trust that has been fragmented into small ownership by multiple national banks. There is no proof of ownership, no proof of any assigned power of attorney or assignment of responsibility for Navient. So it looks like my credit will be dinged and damaged by this collection agency that has no stake in the debts they claim they have a right to collect on. I believe that I have a right to sue for damages under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Navient has no right to collect on any debts without proper validation. What this agency is doing is trying to hold my credit hostage as a means to use deceptive and illegal collection practices against an American citizen. Navient must cease and desist from any actions against me on any student loan collections, and delete any references to a collection on all pertinent credit reporting agencies, and purge my file information permanently. Navient must comply with the FDCPA and show proof ow ownership or the connection to collect for any other entity by true copy originality.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I 'm considered " XXXX '' which means i did n't need to pay for classes up until the age of XXXX while attending any state college. I have never agreed to pay Navient and if any loan does exist, then the state is responsible and not me for this loan. XX/XX/XXXX i after receiving many unknown calls, i finally called back and spoke with a representative who advised that this particular account was past due. I was advised to register for classes to at least half time to avoid this account from negatively impacting my credit reports. i agreed and customer service representative advised on a recorded line that a forbearance was taken care of and i would be be placed back on deferment and no negative reporting would take place. Mind you, i have no knowledge of loan because i was n't responsible for paying for school. This was not done, as a result, a negative reporting was placed on report. XX/XX/2016 i called in after getting harassing emails and advised that i registered for XXXX college, but my account was set for non degree seeking and i was mistakenly dropped from courses. I did advise that i was registered for real estate class and was yet again assured that was fine and they would remove any pass due payments and no late reporting would show.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I asked for a return on a mistaken payment. I called customer service every day the following week ( Tuesday - Friday, also Sunday and the following Monday ) to Bank of America to inquire about the said return. I got different answers about when to expect the return. Some reps told me 2-5 business days 1 rep told me 7-10 business days. XXXX wanted to help me, other than tell me to wait and call back if it still has not been returned. After the given period of 2-5 business days I called and the rep said she would escalate it, trace where the money is and credit me XXXX . When i checked 2 days later, i was told there was no credit of XXXX $ and a rep did not have the authority to do so. Also there was nothing else done besides a " small investigation '' into where my money was. Which another rep told me was just to notify me when the money ends up in my checking account. So basically after calling for 7 straight business days noone did anything to help me. I still do n't have my return. And I am told to continue to wait and if it 's still not in my account after 10 business days then call back. Who knows what they will tell me then, but I am relying on the word of customer service reps who have continually lied to me after 7 days of calls. Seems like noone there is willing 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 monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I recently was reported to credit agencies for an erroneous medical charge that was six years old. I disputed the charge to no avail. 
In XXXX of 2011, I was observed in the Emergency Room of XXXX XXXX in XXXX XXXX, FL. A XXXX was done at that time to establish a diagnosis. The next day I was admitted to the hospital for XXXX. The problem came when the hospital billed my insurance for this test as an " inpatient '' instead of the emergency room. I fought with XXXX XXXX for months and believed the correct code was finally submitted to insurance. 
Six years and seven months later, I find I was reported to all XXXX agencies as delinquent. My FICO score went from an XXXX down to a XXXX. Prior to this claim, I did not have even XXXX late payment. I am almost XXXX XXXX XXXX and have always taken pride in my excellent credit. 
I feel I am being abused by Central Financial Control, the collection agency that apparently purchased my claim from XXXX XXXX for {$1500.00}. This was a billing error made by XXXX XXXX that I tried to correct. I am now being reported as a " delinquent risk '' because of the hospitals mistake. This is unfair to me as a consumer. 
If there is any help you can provide, I will gratefully appreciate it. 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Upon asking Bank of America in 2012 why they stopped sending me a monthly invoice they informed me it 's due to the fact that both of my credit cards had been moved to a Chapter XXXX Bankruptcy folder. The problems with this are, XXXX of the cards was found to be fraudulent. Which Bank of America took care of. The other is, I 've never filed bankruptcy. After bringing this to their attention I was told that all card accounts would be frozen until an internal investigation could be completed. I was to do nothing until I heard back from them. A lengthy amount of time passed and I did not hear back from Bank of America. I contacted them about it and was told that no payments could be accepted because the legal dept. said the account could not be worked. Some more time passed and I received a credit report update that Bank of America had charged off the account as failed collections and bad debt. No communication or collection attempts were ever attempted nor should they have been needed. Bank of America simply needed to correct their error and reinstate my account. Which of course they have n't. I 've done nothing but follow their instructions. Yet, they continue to imply that this matter is somehow my fault. I have engaged the help of an attorney and after lots of stonewalling Bank of America has acknowledged over the phone to myself as well as my attorney that this is a bank error. The legal dept. has opened the account to be worked and I 've started making payments but Bank of America refuses to remove the account being charged off for XXXX months from my record. I need help resolving this as Bank of America seems unwilling to do the right thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America keeps calling me after i made the payments, asking when i will make the next month 's payment. The date for my check to be deposited is always on the XXXX of each month ; i can not make it before then. I have just paid Bank of America XXXX payments of {$520.00} in the amount of {$1000.00}. Bank of America is also reporting me late when i was making the trial payments last summer in 2015. And they are currently reporting me 30-59 days late.

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 2016-10-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My car dealer told me to pay the DMV XXXX, which I did. However, I had already paid and the DMV sent me back the check. Bank of America took it out of my account and then will not give it back, though I 've called six times to have it given back. 

Additionally, I filed a claim with Bank of America due to fraud at a postal center while I sent a sculpture. They charged my card {$110.00} fraudulently after quoting me {$25.00} dollars. Bank of America honored their fraud and gave them the money even though I never allowed it to go through nor did I approve the price. They signed it wihtout my permission!

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 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Could n't be more disappointed and angered by Bank of America 's home loan department, specifically XXXX, XXXX ID : XXXX, and his manager XXXX XXXX, XXXX ID : XXXX, at the XXXX location in XXXX. We 've been a Bank of America preferred customer for decades and have excellent credit. We met with XXXX in XX/XX/2016 for a very low risk, low loan to value refinance on our vacation home in Delaware. We explained to XXXX that we rented our home in the summer and spent time there in the off season. We also said we were shopping rates, as low rates were plentiful at the time. He offered us a lock on a 2.75 % interest rate with credit toward closing costs in order to keep our business. We agreed and provided all the required documents. 
Months passed, the general election happened, and the financial environment turned as rates climbed higher. We were relieved that we had a lock but concerned that a simple refinance was taking so long, so we followed up several times with no response. Finally we received a return call in XX/XX/XXXX with news that the bank had a " counteroffer '' for us. It was XXXX bps higher with thousands in additional closing costs. When we said no, there must be a mistake, we have a lock offer, we were told the bank 's guidelines classified our home as an investment property not as a second home, and so they rated it higher. 
Had we been told this in XX/XX/XXXX, when rates were low and lenders were hungry, we would 've gone to another lender we had identified whose guidelines accepted our property as a second home. We did not make that choice at the time because we felt there was value in remaining a preferred customer at Bank of America. 
Our attempts to discuss this with XXXX were met with arrogance and denial. XXXX ' manager, listened with false sympathy, promised to review our case, consider the idea of credit by discount loan points, and get back to us. Again time passed, and when we finally got a response, we were basically told to pound sand and if we wanted to accept their higher offer, it would now cost us even more because of the time that had passed while we were waiting for XXXX promised call. 
Such disregard and disrespect for customers is causing us to move all of our accounts out of Bank of America and encouraging others to do the same.

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 2016-10-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I receive on average 8-10 calls a day from Navient. This is after I 've told them when I 'm going to make a payment towards them. I 've asked them repeatedly to stop calling for reasons of me being at work, and just from the disturbance of having them calling like clock work. This has to be harassment and it 's stressing me, because I 'm not in the greatest position to pay them but I have to endure repeated calls and not to mention the blow my moms phone up as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX claims Bank of America transferred servicing of loan number XXXX to them. Loan number had a XXXX balance when Bank of America transferred it. However, XXXX indicated the loan was greater than {$80000.00} past due when transferred. 

On XX/XX/XXXX, XXXX Bank of America 's Loan XXXX reinvestigation indicates the loan balances are XXXX, date closed XX/XX/XXXX. Notwithstanding, the loan history does n't show any delinquencies after XX/XX/XXXX. 

Therefore, XXXX/XXXX/XXXX, the loan balance was XXXX as well. There was no balance due when the loan was transferred to XXXX. At the very least, XXXX 's transfer loan data should be the same as their predecessor 's. 

I 've been disputing this collection since XXXX 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 explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I disputed a credit card charge on my Bank of America Visa card. B of A sent me a letter stating what I needed to mail or fax them to substantiate the claim. I purchased a windshield for my boat - the part was too small and does not fit. Numerous attempts to get the merchant to return my calls so I could get a RA in order to return the part failed. They never called me back, so I disputed the charge. 
One paragraph in the letter is what my issue is. It stated that I had to get a signed second opinion from another qualified merchant on their letterhead! Who would do that??????????? And the qualified merchant ( second opinion ) must physically inspect the merchandise in dispute! 
This is simply putting a requirement on the consumer that is impractical at best and allowing B of A to rapidly close the dispute without a just and fair outcome to the consumer.

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 2015-05-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief