vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Fradkin & Weber PA
State: NJ

Complaint narrative:
XXXX, XXXX XXXX XXXX Is garnishing my wages without notifying me first and without filing the judgment ( if it is accurate-still do n't know if it is ) in the state of XXXX where I reside, per XXXX law. 
The establishment is also in possession of {$100.00} erroneously withheld from my pay on XX/XX/XXXX. My pay was under the federal poverty level guidelines. It is my understanding that XXXX ( payroll processor ) has made several attempts to retrieve the funds and the establishment has not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: RI

Complaint narrative:
XXXX XXXX, RI XXXX JEFFCAPSYS XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2800.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I started school in 2007. I never took the XXXX exam like i was promised. But I graduated by XXXX in 2007. I was immediately told we can defer after graduating so I can find work in my field. The school did n't help me after that. I was on my own. I was kicked out of my home. Im still in deferment. I got a house to rent and was kicked out after my year. All my kids things were taken. I had to move in with friends again trying to save money. I got XXXX for the XXXX time. I put money down for a place and was scammed out of that money. Again im moving with friends with XXXX kids. I find out my son has XXXX and he needs special care. My oldest has been in and out of doctors trying to see whats wrong with her. Im a single mother of XXXX. I can not afford to pay my loans and pay for my apartment and bills. My kids come first. I miss a lot of days of work to take them to there appointments or my sons therapy appointments. He so far has XXXX therapists. Im XXXX and i need help. I wanted to buy a home so my sons therapists can come when i get out of work so they have a better place to see him instead of in school or a place they can grow but these student loans keep dragging me down. They have dragged my credit score to the dirt. I have never paid them a dime. I am always constantly asking for help but all i get are you have to apply for a deferment. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/2013 I went to the ATM to withdraw {$30.00} from my account it was declined because there was only {$20.00} available on this day I withdrew the {$20.00}. On XXXX/XXXX/2013 I had a XXXX however I received a notice from bank of America XXXX/XXXX/2013 stating that I had overdrew my account by {$8000.00}. How is this possible when I could n't withdraw my account by {$10.00}. I visited the bank and filled out paperwork disputing the charges I was told everything was ok. I have since tried to open an account and have been declined, and was told that I could n't open an account nowhere in the United States, This was told to me by an employee of Consumer Finance. I ask that you please help me in this situation it is not fair that I am being wrongfully accused of an action I did not caused. This has drastically hurt me I have been homeless and hungry at the time in question and {$8000.00} could have really helped me, this situation has caused me pain and suffering.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
navient refuses to work with me in repayment, I was on an IBR plan and was able to maintain my monthly payments for a few years, then when I tried to reenroll in the program I had to submit pay stubs and bank statements, then was told I did n't qualify for the program and the only other option I have is autopay of {$420.00}. I can not afford this and repeatedly told them and a manager, only to be told " it does n't affect them '' I am able to afford up to {$250.00} but they refuse to do anything to help. over the last 8 years they have added an additional XXXX to my loan because they have refused to work with me during difficult times and unemployment. I am ready to just default and say forget it rather than, give them all of my money and live in poverty due to student loans. I NEED HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 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: PR

Complaint narrative:
Hello i am paying a private student loan to a national lender. The problem is that i had make a lot of payment during a period of 8 years and the principal still practically the same at the original amount. Original amount XXXX, and today debt is XXXX. I had call then and they only said that those payments represents interest over interest and past due penalties costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 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: FL

Complaint narrative:
XX/XX/XXXX I disputed information on a Bank of America Home Loans account that had been sold to XXXX Bank XX/XX/XXXX. The reason for the dispute was because the Bank of America account still had a status of " Open '' even though the account was sold four years earlier. Prior to creating the dispute with XXXX there had been no missed payments on this account as payments were being DEFERRED for 10 years from the initiation of the loan. XX/XX/XXXX the investigation was completed and correctly changed the status of the account to " Closed ''. However, XXXX now shows that I was delinquent on this account for over 120 days. I have asked XXXX to dispute with Bank of America multiple times but you ( Bank of America ) insist that I was delinquent on this account. 

I have sent letters to XXXX and Bank of America with the above and I still have n't got a response from Bank of America. I received a response from XXXX stating that the negative information on my account is factual. 
I have called Bank of America and state they ca n't provide me account access to my previous XXXX that I had because the account is no longer open.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I feel as if I was over charged and constantly harrased with letter and phone call from Navient. Why was my loan even sold to another company I 'm still so Unsure of that also? Then the late fee 's and interest are just way to high this is not what I started off with when I had XXXX. I am on fixed income ssi every month there is no way I can afford these interest rates they are NOW applying on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America solicits you for overdraft protection. Which costs me {$10.00} per month or so. Then, if Bank of America utilizes the overdraft protection from my savings to my checking account. They will charge me {$3.00} per transaction. So, they offer this service that we have to pay for and then they charge me to transfer the money. I have been charged for this service. How is this servicing the customers? This is ridiculous. We are losing money we do n't already have. This is a serious issue and I am not sure who all knows about this rip off.

Company public response: Company chooses not to provide a public response
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: GA

Complaint narrative:
Other than having my loan forbearance, or deferment, it would pretty much impossible for me to pay them off. The payment amounts are very high for a household of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
group stalking used for illegal collection in a foreign country using XXXX party EM Harassment included Please see files for details

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 2015-08-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have carried a Bank of America XXXX for two decades. I have a {$25000.00} credit limit, which I never approach. I pay every monthly balance in full and on time, and have never had an interest or late payment fee. About once or twice a year, a " hold '' is placed on my account for reasons which are never explained. After hassles XXXX as detailed in the attached materials ), the holds are removed. I am asked to review recent charges, and these have always been from local vendors or individuals with whom we do business regularly. I have complained about this regularly, and am simply told that BOA is trying to protect me from fraud, and that they can not share the reasons for which the holds were placed. 
Most recently, I have had three such holds in the past few weeks, including XXXX in a 24 hour period. I have pleaded for an explanation, and have simply been told the same thing : BOA monitors cards and places holds for various reasons which they can not share. 

I should probably just replace this card ; I have another card ( XXXX XXXX XXXX which I use for business and some travel, and have never had such an experience. In fact, I sometimes use that card when my XXXX is declined. The problem with replacement, beyond the hassle it would create, is that by applying for such a high-limit card while another card is still active I would probably trigger an adverse credit report event. Thus, BOA has effectively trapped me in a situation where I have ongoing problems with their card, but can not get out of the card without suffering adverse consequences.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been receiving poor customer service from Bank of America the whole time they have been my mortgage loan lender. I purchased my home on XXXX for {$610000.00}, which was split into XXXX loans- {$490000.00} and {$120000.00}. Within a year of purchase I unfortunately was going thru divorce and bankruptcy ( Chapter XXXX ) proceedings ; both concluded in XXXX XXXX. I also had initiated a mortgage loan modification prior to the Court granting the Chapter XXXX Bankruptcy in XXXX XXXX. My mortgage loans were included in the approved bankruptcy. However, Bank Of America did not grant any loan forgiveness or principal reduction. Much later, on XXXX XXXX, XXXX, a loan medication was approved by Bank of America consisting of adding late and penalty fees to my initial XXXX principal mortgage loan of {$490000.00} mortgage loan resulting in a {$28000.00} increase ; XXXX principal balance of {$520000.00}. The terms included an adjustable interest rate change for the following 8 years from 2 % to 5 % and a balloon loan of {$140000.00}. Bank of America was threatening to foreclose my property and out of fear I agreed on the outrageous loan modification. In XXXX XXXX, I requested a loan modification, which was denied on XXXX. 
As of XXXX XXXX, XXXX, I have received a yearly mortgage loan payment rate increase, which has caused me significant financial hardship and to accrue a lot of debt. On XXXX, I advocated for principal loan balance reduction, as I had calculated that I had paid almost {$300000.00} between the XXXX mortgage loans ; however, my mortgage loans only had a {$22000.00} balance reduction. My pleas and supportive evidence were ignored and I did not receive a principal mortgage loan reduction, interest rate reduction, and/or monthly payment reduction. 
At this time, after a nine year period of paying my mortgage, my balance of loan is {$440000.00} ; only {$44000.00} ( 8.9 % ) decrease in nine years. I am not at all close to paying 30 % of this mortgage loan, which is due to how Bank of America has processed my mortgage loan and their unwillingness for a reasonable loan modification despite this debt being included in my bankruptcy. 
In less than a month, my mortgage payment will increase from {$2700.00} to {$2900.00} and I am not sure how I am going to be able to pay my mortgage on a monthly basis. If I would have been granted a reasonable modification, I would not be having this severe hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a customer of Bank of America. Whenever I go online and transfer money from my checking account to pay back money I borrowed from the checking account 's credit line, the money is debited immediately from my checking account. However it takes from one to three days for the money to be credited to my credit line. The bank 's customer service reps tell me the delay is caused by " processing. '' What kind of processing could there be? It 's all money under XXXX name in XXXX bank. All the transfers are done on computers. I was also told that transferring money from checking to savings does not require " processing. '' The money is credited immediately to the savings account. I was also told that this is bank policy ; they are not following any government regulations in handling my money. I suspect that the delay in crediting me is a money-making device for the bank. By removing money from my checking account immediately, the bank can reduce the interest it pays me for funds in my checking account. The bank also has use of my money and I do n't. But the third feature is the most significant. By delaying the crediting of my credit line, the bank can continue to charge me 18 percent for the borrowed funds. If you multiply the money the bank makes on this kind of transaction by all the customers who use their credit lines, you are looking at a huge sum. Please look into this for me.

Company public response: Company 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: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On multiple, yet separate occasions, I have submitted online payments towards my monthly bill for Navient. Although paying before the due date, I seem to get an email stating that my account is past due. When looking at my online statement, I see a notice stating " payment not processed ''. Of course, I called my bank to see if it was an issue on their end, and it was n't. I made another payment, and instead of cancelling the second payment, Navient has accepted the payment, and continued to charge me for the next month. I can prove, mind you, that I have not been late on any monthly payments. I also had to consolidate my loans after XXXX XXXX closed, causing my balance to double. I can not defer payments, they will not lower payments, and they keep insisting on forbearance for a year, paying only what I can. I have done this once, and noticed that my interested doubled. No thank you. Let me also add that you can no longer make payments online using a credit card. You have to call and use a debit card to make a payment over the phone, and customer service is not the easiest to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX I went to a Bank of America ( BoA ) branch on XXXX XXXX XXXX XXXX XXXX MD to set up an automatic bank transfer to XXXX XXXX to pay my landlord their rent. On XX/XX/XXXX the funds were extracted out of my account and transferred to the account set up on the bank transfer. On XXXX my landlord notified me that they had not received the funds and the information they provided for the account transfer ( routing & account # ) was wrong. I immediately contacted BoA national office and was told they needed to check and I would receive a call back. On approximately XX/XX/XXXX I returned the call, having heard nothing, and was told there was nothing they could do but I could reach out to the local branch to find a resolution. On XX/XX/XXXX I took off of work to make an appointment with BoA in XXXX XXXX. There I worked with an associate who, after 3 hours of work and getting the run around by BoA, was able to draft an unofficial letter requesting the funds. This letter was faxed to XXXX XXXX. Unable to receive any more information, on XX/XX/XXXX I called back to the local branch and was told that XXXX XXXX claimed it was not the correct letter. They needed a " letter of indemnity '' from BoA. On XX/XX/XXXX BoA generated what I was told was the most official letter they could provide. This letter simply stated that funds were transferred out of my account to XXXX XXXX. Again, XXXX XXXX said this was not enough. It is now XX/XX/XXXX and this issue is still without a resolution. I know that it is illegal for individuals to spend money that they received incorrectly. So I am just looking for BoA to work with XXXX XXXX to retrieve the incorrectly transferred funds.

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 2016-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filled Bankruptcy and Included a credit card within the Bankruptcy which was successfully discharged, however Bank of America places a Judgment on my credit for that debt which was discharged. I need the judgment removed from my credit and the issue rectified on Bank of America System of record to show this was discharged. I have contacted BOA several times by phone and in writing and have been Ignored. please review the correspondence I send to 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 explanation