vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION COMPLAINT : Complaint regarding dispute sent to Transunion regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 
1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 
Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 
Transunion reported 30 days late from XX/XX/XXXX-XX/XX/XXXX Payment Due Date Ck Posted ( received Prior ) Check # Amount Due Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter fromTransunion was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Transunion never posted a statement on my credit report as in dispute as they are required to do within 30 days therefore violating FCRA 623 ( a ) ( c ). 
Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 
Resolution Requested : The Transunion status of 30 days late from XX/XX/XXXX- XX/XX/XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above Dispute letters sent certified return receipt Time stamped copies of Transunion Credit Report Transunion Response to Letter # 1.

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 2015-05-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have asked in the past to not be contacted by this company via telephone. They call at least XXXX times per day. I sometimes receive calls from other numbers that are either someone 's personal number or from a different location. They have also called my mother numerous times, even though I do not have any other contact information listed. They call my mother multiple times a day, asking her personal questions about me such a my date of birth, address, etc. They even told my mother that they called me XXXX times. They even disclosed the amount that I owed to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX/XXXX/16 I wrote check # XXXX ( Bank of America ) from XXXX XXXX XXXX, XXXX in the amount of {$730.00} to XXXX XXXX. I discovered on about XXXX/XXXX/16 that XXXX XXXX " put a XXXX '' in front of the XXXX on the numerical portion XXXX the check and cashed the check. The teller " failed '' to read the check and see that the hand written portion of the check stated XXXX XXXX XXXX XXXX dollars. The check was chased for {$1700.00}. I went to Bank of America branch in XXXX, AZ to ask fora {$1000.00} credit for " teller '' error. The local B of A person told me that they could do nothing and that I had to file a police report and then call their Fraud department and that due to the Teller error B of A would credit back the {$1000.00}. I filed the Police report - XXXX case # XXXX ; and then called the Fraud line for B of A ( XXXX ) I spoke with XXXX and was told that since the check read XXXX XXXX XXXX XXXX my account would be credited with {$1000.00} within 24 hours. Two days later my account had not been credited so I called to find out when it would be credited. 
I was told by the Fraud line representative that since the check was " cashed '' and not deposited that B of A would not credit my account the {$1000.00} and that it was my problem to collect the {$1000.00} from the recipient. I asked to speak with a supervisor or decision maker and was told there was no one who could help me or change this decision. 
I am asking fora credit back to my account for the fraudulent {$1000.00} that the teller failed to identify.

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 2015-06-06 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: CA

Complaint narrative:
Municipal Services Bureau ( MSB ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it has not been resolved. In numerous exchanges with MSB, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. Specifically, MSB is in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. MSB is aware of this fact and is acting tortiously and harassing me. XXXX XXXX of XXXX vs XXXX, XXXX. Court of Appeal XXXX District. There is a 3 year statute of limitations. I sent a letter to MSB directly with this information, and at about the same time I started receiving one or more phone calls listed with " No Caller ID '' almost every day. I will not answer these calls, but given that MSB has demonstrated a gross lack of regard for the FTC 's policies, I strongly believe that MSB is behind these phone calls. As such, I believe that MSB is now not only in violation of the FTC debt collection harassment rules, but is also in violation of the Federal Communications Commission 's ( FCC ) policy regarding caller ID spoofing. Under the Truth in Caller ID Act, FCC rules, 1 ) prohibit any person or entity from transmitting misleading or inaccurate caller ID information with the intent to defraud, cause harm, or wrongfully obtain anything of value, and 2 ) subjects violators to a penalty of up to {$10000.00} for each violation of the rules. I am documenting the day and time of each phone call. If MSB is behind these phone calls, they are also continuing to violate the FTC 's debt collection harassment policy. Especially, considering that MSB has, in writing, stated that they will no longer contact me. I strongly urge the FTC and CFPB to investigate MSB 's debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: CO

Complaint narrative:
When I graduated college XX/XX/2014 I was under the belief that my loans would n't be due for 6 months after graduation. I remember getting a {$0.00} Due letter monthly from Navient for about a year. I believe this was intent to raise my total due without me realizing what was going on. I would check on that loan monthly, and then one month they billed me and said I had missed two payments. Totaling roughly {$800.00} with no warning on my account or through the mail. I am doing everything in my power to get these loans paid off but I feel them dragging me further down. After reading other complaints I know I 'm not alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Have no idea what these people are calling about I do n't owe anybody anything I have not defaulted on anything!! These people call incessantly using a XXXX and leave long disturbing messages on answering machine. They only give number to call them back which I will not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I used my Bank of America debit card to purchase a hotel stay in XXXX 2013. There were major issues when I got there and my method of booking ( through a third-party called XXXX ) prevented me from getting immediately refunded. I started a dispute with BoA and they sided with me. It was an exhausting process so I closed my bank account. I ran a XXXX report recently and there 's a negative report from Bank of America for over {$600.00}. I never received any communication from BoA that they changed their position on the dispute, never received any collection notices or phone calls, or emails informing me of any debt. I feel as though the dispute was closed and I should not be held responsible for the transaction as originally stated by the bank.

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 2017-03-14 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: TX

Complaint narrative:
I lost my job, again, and need to suspend payments for 6-12 months while I search for another job. I used up my deferment/forbearance options after I graduated and when I was laid off the first time. I understand they have terms for how long you can suspend a payment. However, I did n't expect to be laid off twice within 10 years. Navient refuses to help me in any way that would allow me to suspend making payments. 
I have never missed a payment and overpay each month. I have no intention to not pay the loan ; once I get a job I 'll be right back to paying. 

I find it so strange the company sticks by this policy of a fixed number of times you can suspend payments. If I do n't have any income, I do n't have any options here. I see it as very simple to review my payment history quickly, see 8 years of steady, monthly payments over the minimum, and just suspend payments for 6 months until I get a job. They win in that they do n't have a client defaulting, they earn more interest on the loan, and then they get their client right back to paying once they are employed again. 

As an aside, their customer service staff was the rudest I have ever encountered. I spoke with a man and then his manager and they were condescending, rude, arrogant, and overall unpleasant. It was pretty surprising to see a corporation today let their staff behave this way with clients. Since the manager was worse than the employee, it 's clear they encourage a this type of culture in their office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: AZ

Complaint narrative:
Was not offered by my loan provider ( Navient ) income-driven repayment plans and instead of that kept me to choose a forbearance instead which has hurt not only my status of my student loans but the whole idea of student loans and the process in which i barrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have XXXX US Bank XXXX XXXX XXXX ( Business and Personal ) between myself and my girlfriend. We paid annual fees for each card this year under the assumption that the current reward of " XXXX free night hotel when booked with points '' would remain active for the remainder of the year for which we paid the annual fee. US Bank is changing this effective XXXX XXXX, 2015 and removing this benefit. This is a deceptive bait and switch tactic, and we are no longer getting the value we paid for in the annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have an existing mortgage with Bank of America ( BOA ). A refinance was requested to BOA on XXXX/XXXX/2016. I 've submitted all required documents from the loan officer of BOA. I repeatedly called the loan officer I worked with about the progress. There was no response. And suddenly a single line email came on XXXX/XXXX/16 that the loan was declined without any explanation. I have a credit score of around XXXX. My proper value to loan amount ratio is fine. I have sound job history. 
The manager XXXX XXXX, after more than a day, answered : " It appears, according to my underwriter, that we were needing the actual 12 months of cancelled checks and lease agreement. The information you provided does not allow us to link your name to the account provided. '' Again XXXX XXXX was not able to reach any more after emails and XXXX voice mails. Nobody from BOA requested the leasing agreement. I do n't know what " cancelled checks '' they wanted. I have the letter of statement indicating my payments were from online payments. BOA could review more statements to link the payment info. However, BOA failed to request such further documents and abruptly declined the loan request. 

This is false advertisement of BOA that enticed the customer to apply loans with them and charge the XXXX party fees, such as appraisals. I complain about BOA on miscommunication and false advertisement and request to refund the charge due to fault from BOA.

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 2016-02-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX i received a letter in the mail indicating that i had unreported income from Bank of America reported on a form XXXX in the amount of XXXX. I have not had a open Bank of America Account since XX/XX/XXXX and further more I am in the military and was XXXX i have never received a check of any kind from Bank of America. This concerns me because how could this company report a form XXXX when i never cash a " supposed '' check that they " claimed '' to have issued me? There filing is FRAUDULENT and has caused me to owe taxes for {$4000.00} for XXXX taxes.

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 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
They say they are called " pioneer credit recovery ''. They are calling from XXXX. 
They have been calling me at work even after I informed them not to call my work line. 
They continue to call during business hours as well as calling and leaving messages after business hours. 
If I am not at my desk then my employees will take the call and I worry about the caller tarnishing my reputation with my employees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
To Whom It May Concern : PROBLEM : XXXX XXXX HAS REFUSED TO ANSWER MY EMAILS WITH CLEAR ANSWERS AS TO WHY THEY DO NOT LOWER MY INTEREST RATES WHICH ARE AT HISTORIC LOW LEVELS. EVERYONE CAN REFINANCE HOMES, AUTOS, ETC. BUT I CAN NOT REFINANCE MY STUDENT LOANS! 
I am XXXX years old, married and with a child on the way. We are tirelessly saving to buy a home in XXXX, but we 've been crippled by over {$120000.00} of student loans when I obtained a XXXX degree from XXXX in XXXX. 

It 's been six years since I XXXX in XX/XX/2009 and I 've paid over {$90000.00} in interest alone and the principal is lowering at a snail 's pace. We have not been able to take even a small vacation since we married XXXX years ago and there 's no light at the end of the tunnel to live a normal, quality life. It 's strained our marriage early on and we 're so nervous about having children. 

We need help please. Real help. I did n't know what I was doing at the time and my parents were first generation folks who could n't guide me at the time. Help us somehow. Please do n't pass us along to some ( XXXX ) number. What program is there to help me? I will do whatever it takes to climb out of this. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a credit card with Bank of America and have been a customer for years and have paid my credit card bills on time every month. This past month I made a mistake and the internet system automatically put the payment for the lowest possible amount ( when I had programmed the full amount ) - I do n't know why the amount was changed. I have paid the full amount and the Bank insists on charging me late fees, etc. They then said I had to contact them by phone - I am out of the country and calling is difficult for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: NV

Complaint narrative:
My loan was taken off deferment on XXXX/XXXX/17 and a payment was taken from my bank account automatically ( which I signed up for years ago ) on XXXX/XXXX/17 without any notification to me. I had payments scheduled, since I graduated, for XXXX/XXXX/17 and those payments were not taken into account when automatically taking the money from me without my consent. I was never notified that payments would begin again because they claim there was no time. In what world is it OK to just begin taking payments from someone without a phone call or email or letter?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Solomon and Solomon, P.C.
State: CT

Complaint narrative:
Debts were paid in full, requested to be deleted from my credit report and debt collection stated they would not after they received payment in full. Contacted credited XXXX/XXXX/2016 Solomon XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account # XXXX & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-26 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: GA

Complaint narrative:
I have had a student loan serviced by Navient since XX/XX/2000 's. I have tried to make over payments each month to reduce my principal but have had problems even getting Navient to respond to my request in any way. I have included separate letters stating exactly how I wanted my overpayment directed and over the years they have never applied my payments properly as requested. I have written many times and have never even received one single reply as to why my payments were not applied. I want them to go back and apply each payment as I requested and that met their own criteria and all the interest for the amount of amortization that should have occured due to the over payment and adjustments returned to me or applied directly to the principal amount of my loan. I would also like statements including the original loan amounts over the life of my loan mailed to me so I can have my accountants examine these statements. 
XXXX & XXXX XXXX account number XXXX XXXX XXXX ss # XXXX XXXX XXXX XXXX ss # XXXX address XXXX XXXX XXXX XXXX XXXX Ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America is reporting Suspected Fraud Activity on XXXX and this is not accurate. I would like to dispute this and have it removed from XXXX. This was reported on XXXX/XXXX/2013 with a charge off amount of {$98.00} which is not accurate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03 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: NJ

Complaint narrative:
I can not afford to make payments due to a series of health issues, they posttponed payments however the interest charged is beyond belief. I have been paying off A {$6000.00} loan since 2009 my school really rooked me into signing.

Company response to consumer: Closed with explanation