vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: The CBE Group, Inc.
State: OR

Complaint narrative:
This company sent me a letter about an alleged debt that they claim they received from their client XXXX XXXX. I do not have an account with XXXX XXXX and when I closed my account with XXXX XXXX I left with no outstanding bill as far as I can recall. I have not had an account with XXXX XXXX since 2013. I have never done business with this company in the past for no reason whatsoever. When I received notification from this company about the alleged debt, I responded by asking for " Validation of Debt ''. This company has yet to provide me with competent information related to this debt however, they still continue to contact on my personal phone and on my office phone. I also suspect that this company is calling me via phone at my employment, using a private number. Each call I have answered they refuse to disclose the nature of their call when asked. They have now resorted to calling me and hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 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: CO

Complaint narrative:
Navient Solutions XXXX Inc. ( formerly XXXX XXXX ) locked me out of the online payment system without notice, suspending my ability to make payments on my account, the reason they stated for this account suspension is because I sent XXXX XXXX a letter in XXXX of 2006 asking them not to contact me my phone about my account. I have been making online payments since 2006 with no problems until now. I have receive NO correspondence from Navient about this action. My account was turned over to their litigation department and I believe they are trying to force my account into a default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Multiple claims were filed due to fraudulent activity on my debit/atm card. The claims were denied without being provided any documentation. I filed a claim for XXXX but the representative entered it as XXXX. This is a clear disregard as to the initial claim. I contacted b of a XXXX XXXX XXXX additional times with no response at all. I have not been contacted by any claim specialist and my claim is not even showing in their system.

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 2016-10-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am not really sure who to complain about. I was delinquent on XXXX XXXX XXXX cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing XXXX XXXX, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from Portfolio Recovery Associates, attempting to collect. I looked at my credit report and saw that both XXXX XXXX AND Portfolio Recovery were listed as companys that I owed. When I contacted XXXX XXXX, they told me that they sold my debt to Portfolio Recovery. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented XXXX XXXX? If so, this is fraud.

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 — Having problems with customer service
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Everytime I call Navient and attempt to speak with a customer service representative, I get the run around in their automated system. I attempt to circumvent that by trying different options, hitting zero, etc. but all that ends up happening every single time is the system tells me " it does not understand my response '' and tells me to go to their website and then disconnects me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
J.P. Morgan Chase Bank deliberately withheld a Pre-Paid account over {$3000.00} of monetary Unemployment Insurance compensation benefit since XX/XX/XXXX ( over 3 years ). The actual amount is undetermined due to interests charged by J.P. Morgan Chase Bank against me, as told to me by JP rep via phone. I was not informed about this account for over 3 years until I applied for UI benefits back in XX/XX/XXXX ( refer to XX/XX/XXXX UI 's Monetary Benefits Determination and XX/XX/XXXX Employer Questionnaire documents ). Did XXXX combine both the XX/XX/XXXX {$3000.00} Pre-Paid Card Account amount to my XX/XX/XXXX UI application submitted in XXXX? This XXXX application triggered JP Morgan to immediately mail me notification about money withheld since XX/XX/XXXX. Where is the the XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
XXXX/ACCT XXXX used an expired Bank of America debit card to charge a fee. Bank of America allowed the debit which overdrew my account. They refuse to refund the {$35.00} 00 fee. I am trying to close my account which is why the debit card is expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04 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:
Navient XXXX This companies phone system is purposefully misleading, hangs up on students trying to make payments, and purposely does n't provide a way to get ahold of a representative. I think their practices are designed to mislead and postpone students trying to make payments in order for them to collect late fees. If they secured the right to service these loans then they are obligated to provide a CLEAR way for students to make payments and address issues. They should be penalized for their failure in this area just as ( I 'm sure ) they penalize XXXX students who are trying to pay their loans in good faith, but are unable to due to their policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A CASH deposit was made into my Bank of America account and I am not able to access the funds the same day. This is outrageous. CASH deposits should be made available immediately, not the next day. It is not right for Bank of America to hold my cash for a day for no reason. This is beyond the pale of reason.

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 2015-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Please see attached for entire narrative. 
I wrote a letter to the COO of the Bank but have learned that he is also acting CFO. I do n't think that I will receive a satisfactory response in a timely manner. My complaint can be published - I can rewrite this portion if requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America had me on a trial payment for my home equity loan # XXXX which was {$250.00} I made all my trial pymnts starting XXXX 2015 today I rec 'd my form stating it is now going to be {$390.00} when I spoke to XXXX XXXX he stated boa did n't take into consideration of unpaid interest when they set it up in the beginning. Now I get papers to redo my mrtg which I never asked to do and they have it that I own rental property which I do not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I signed up for a college class which I never took. I was charged non the less. Now they are trying to collect money they are not owed. This is fraud.

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 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of america reordering my debit card transactions and holding small transactions back until big transactions get my account low and then pushing through the small transactions to see how many they can charge a NFS returned fee for. The returned fee is {$35.00} and these crooks have stolen XXXX from me over the last few short months by showing me a debit card transaction is paid on my account page and i have x amount of dollars left but then they say thats not accurate and magically those small transactions are witheld from debiting until it would create a returned nsf fee. This company is crooked!

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 2016-04-06 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have an account with AAA XXXX XXXX XXXX since XXXX. About a year ago I placed this account on auto-pay since I trusted them and this card had the best APR. In XXXX of XXXX ( XXXX ) I noticed late fees and started checking back into my account. I call Customer Service and they only returned XXXX of the late fees. The total still left on the account, when I checked XXXX/XXXX/XXXX, was {$310.00}. They were taking the payments out 2 day after the due date. I did not ask for any specific ic date of the month ; only requested auto pay. 
I called several time to address this issue and ask for return of late fees. Dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( XXXX late fees returned ), XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I spoke with XXXX XXXX who opened a case # XXXX which would ( per his supervisor ) research and return ALL late fees. He also said someone would call me about this case. On XXXX/XXXX/XXXX I was told the case was still under review. As of today no further refunds have been made to my account and no one has called me back.

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 2017-01-19 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: PA

Complaint narrative:
I have a student loan that I took out to go to school in 2002 with XXXX. I was XXXX and my parents did n't think it was a bad decision at the time and I was still a kid. School ended up not being for me and I was stuck with the Loan from XXXX. The interest rate was always terrible in fact its still at 13 %. Its been in deferment or forbearance a bunch of times since then but for the most part I have paid it every month with no sign of the total lowering in all of these years. Thats 15 years of the total never going down with all of the payments I 've made. As I 've gotten older its been a real burden to become financially secure because of this loan. They refuse to help except with these 6 month deals to lower my payments in half but the payments go from {$450.00} to {$250.00} and still do n't really help me because the payments just go towards the interest. They never really want to help me or figure out what the best option is for me. All they care about is making sure I make these high payments with no end in sight. I really need help having this big mistake I made at XXXX forgiven. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: IN

Complaint narrative:
Loan was sold from XXXX to Pioneer Credit. They have called countless times and not left messages and when I call the number ( s ) back I either am on hold for over 20 minutes with no answer or I get a message saying the number is no longer in service. However my biggest complaint ( s ) is that they called my church and demanded the secretary to speak with me ( I do not work in my XXXX ). They have also called a nonprofit organization that I sit on the board for twice, once leaving a message and the other lying to the secretary stating that they are old friend from the past and have important paperwork that was sent to them by mistake that they need to forward to 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 2016-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: PA

Complaint narrative:
After multiple attempts to resolve this issue with the loan servicers, American Education Services and National Collegiate Trust, by presenting a reasonable repayment option that would allow for a full repayment of the loan they have illegally defaulted on. Their actions have been in direct violation of multiple federal laws. I am providing 30 days for these companies to agree to my terms of a full repayment of my student loans under the condition of a complete reversal of all illegal negative credit reporting against myself and my co-signer, as well as reasonable monthly payments. If no attempts to resolve this issue are completed, I will be forced to use the courtroom to protect myself from this blatant discrimination against my and my cosigner 's federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I apologize that this complaint is being filed late - I only recently learned of the service that the Bureau of Consumer Financial Protection provides. This complaint is related to our mortgage with Bank of America for our property at XXXX XXXX XXXX, XXXX, CA XXXX. In XX/XX/XXXX because our property was severely under-water ( we owed about {$300000.00} more than the property was worth ), we began the short-sale process. In XX/XX/XXXX, a buyer was identified and we sent the proposal to Bank of America. After months and months of delays, with numerous requests for more and more paperwork ( very frequently it was a request for information that had already been provided, several times XXXX, Bank of America finally approved the short sale. We received a letter from them ( see attached ) outlining the details of the approval. We complied with all requests. As you can see in the attached document, B of A indicated that we would receive {$22000.00} as part of a government program. Once the short-sale was approved, it took the buyer a little longer to get his financing approved - about 3 weeks. Because of this delay ( and despite the months of delay we had experienced with Bank of America XXXX, we were told that we were no longer eligible for the {$22000.00} because the program had expired. This seems very unfair to us because we had been diligent in complying with all the bank 's requests in a timely manner. Additionally, we had a credit card with Bank of America for many years ( unrelated to our mortgage with them XXXX. During the short-sale process, the bank sent us notice that our credit card was discontinued AND that we were no longer entitled to the rewards we had earned on the card ( rewards totaled about {$900.00} XXXX. It just seems that Bank of America acted unfairly with us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX XXXX used predatory practices when I was XXXX to get me to sign loan papers for loans that I did not understand. During years in forbearance while attending school they harassed me on the phone. Once I graduated they have continued to harass me calling me XXXX times a day. I have had hard financial times since graduating, and they will not work out payments with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
XXXX of XXXX lawfirm called my phone on XXXX/XXXX/17 in an attempt to get information to serve me court documents. I explained to him that I was unaware of who Household Bank was and he laughed. I told him the call was being recorded and he became indignant. He said that he was not giving me any other information other than the name. He hung up on me several times once I tried to get information. These calls are all recorded. He better leave me the XXXX alone. As far as in concerned he 's a XXXX con artist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I pulled my XXXX XXXX Credit report on XX/XX/XXXX. I noticed there are XXXX inquiries by the company " Transworld Systems INC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX '' on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no trades to justify the inquiries. Not only does that bring down my credit score it makes it harder for me to gain employment, I also fear it make be my ex boyfriend trying to locate me, he is a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
Called Beneficial about my mortgage and getting a payoff. They said I had to submit a letter and mail or fax it in and that it could be as late as XXXX XXXX, XXXX when I receive the payoff back. That was if I submitted it today XXXX XXXX/XXXX/XXXX XXXX. I also have something called " Outstanding Deferred Interest Balance '' on my monthly statement and when I inquired about what that was, I was put on hold for a few minutes so they could " research '' what it was. When the rep came back on the line, she said Beneficial would mail out a " fee/charge schedule '' that outlined everything contained in that balance. The statement even has a note on it that says " For further explanation of deferred interest or to make a deferred interest payment at any time, please call XXXX. '' That is the number I called. The rep also stated that I was 48 months behind on this mortgage back in XXXX and I did a modification to bring the payments current ... I was NEVER four years behind on payments.

Company response to consumer: Closed with explanation