vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-23 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: NY

Complaint narrative:
I contacted my student loan servicer Navient in orde to get affordable payments arranged for my student loan. After long painful discussions with several representative they made it clear that based on their terms are the only options available regardless of what i could not afford. They took my financial information my expense information which left me with almost {$180.00} a month. I was willing to pay {$75.00} amonth which left me the remainder for foodand, clothing and out of pocket expenses. They were not willing to be flexible and were demanding {$190.00} a month to pay for the loan which leaves me with no money for out of pocket or food expense. I expressed the reasons explicitly to why i could not agree to that amount based on my well being and for agreeing to a payment i could not afford. Their solution was to either agree to making a payment that I can not afford and/or keep the lian the way it is at $ XXXX month and default because i cant afford to make the payment thry want. They transferred me to several representatives who were rude, hostile, and lacked customer service and would not accept a the payments i wanted to honor. The last representative was unprofessional enough that he hung up on me without taking my payment or coming to a middle ground on my account status. How does one repay a debt to a company who promotes " honoring hardships '' and not willing to accept any flexibility for low income borrowers. This company is misrepresenting what they say they stand for. This company is mistreating and taking advantage of loan debtors who are willing to repay their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The schools, XXXX in XXXX, XXXX and XXXX in XXXX XXXX but did a scam and hard sell on my son. He was actually not going to school but gave him the loans. My mother in law cosigned the loan. She is XXXX XXXX XXXX with XXXX, they were suppose to remove her years ago, from being a cosigner and never did. We kept asking and they kept changing the conditions. My son has ask for a reasonable payment so he could pay XXXX XXXX a month ) they refused and now it 's going into default but we have paid the {$260.00} to keep it from going and wondering why the payment ca n't be that. They keep threatening my mother in law with lawsuits and to take her house! This is crazy in the XXXX they can threatened a XXXX XXXX XXXX women like that. They have frightened her. NAVIENT does not work with anymore in an reasonable amt, they just keep increasing the amount owed. How can they keep a cosigner on for years and keep threatening her and why do n't they just accept a reasonable payment that a person could afford?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America pushes people/me to go paperless for statements ... I read on their site that I will get check images in my statements for no charge going back 36 months ... then I do n't see the check images in my statements.. now they want to charge me {$3.00} PER check image that are older then 10 months. See here : https XXXX " FAQs : Bank Account Statements : Online Statements hide Can I view my statements with check images online? 
Yes, your statements with check images are available online. That means you can view, print, and download up to 36 months of your statements online at any time. When you go paperless with our online statements service, we provide check images as part of your statement at no charge and you receive your statements online instead of in the mail. 
If you are an Online Banking customer, Go Paperless Now ''

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 2017-01-21 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: FL

Complaint narrative:
I have been contacting XXXX/navient for years to get income sensitive repayments. I was always told I do n't qualify and instead should do a forebearance which would still have interest accrue causing my loans to be higher while making no payments. I still need my payments reduced and nothing is being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
I do n't see my exact issue listed but I have yet to be contacted regarding a " medical debt ' that this company is supposedly trying to collect. The only way I know about this 'debt at all is through a credit alert I recvd on XXXX via XXXX XXXX. Upon checking into it I discovered XXXX for XXXX XXXX XXXX XXXX had just been turned over for collections and this agency had reported that to both XXXX and XXXX. Thing is- the date of service was XXXX/XXXX/2011!! And despite no communication for over 5 years - they now try to collect a debt that may not even be mine! Its been so long that not even the hospital can tell me what the charge represents nor can Central Finance- but they wasted no time reporting to credit bureaus. I 've lodged disputes with credit bureaus but nothing is going on. Can you help??

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
This is the same debt that was just corrected by the previous collection called XXXX and now they have given it to the following XXXX XXXX XX/XX/2016 {$210.00} {$210.00} XXXX XXXX, IA XXXX ( XXXX ) XXXX here is the response for the previous collections as I have made it clear it is not my debt can you please helpme because they have greatly affected my credit score from XXXX to XXXX and that is XXXX XX/XX/2016 Re : XXXX Case # XXXX Our File # XXXX To whom it may concern, We are in receipt of your consumer complaint submitted in regards to a XXXX file # XXXX. Our Compliance and Quality Development Departments have completed an audit and investigation on this file. 
We received file # XXXX for account # XXXX from XXXX on XX/XX/2016. A copy of your complaint was forwarded to our client for review in XX/XX/2016, but we have not received a response so therefore have closed our files on this matter. Also, we have removed this item from your credit file. 
We apologize for any inconvenience this may have caused for XXXX. Should you have any further questions or concerns regarding this matter please feel free to contact us. Our hours of operation are Monday through Thursday XXXX - XXXX and Friday XXXX - XXXX EST. 
Sincerely, XXXX. 
Compliance Department XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
WHILE BANKING WITH BANK OF AMERICA I ASKED TO SEE SIGNATURE CARD AND WAS DENIED. DISPUTING FRAUD THAT WAS DONE BY AN EMPLOYEE THE BANK FAILED TO RESOLVE ANY ISSUE INCLUDING THEM GIVING ME CHECKS WITH WRONG ROUTING NUMBER.

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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was forced to sign documents I did n't understand while I was attending XXXX XXXX XXXX. This happened monthly, during my periods of class time. I was told if I did n't sign these papers, then I could n't return to class or finish my studies with them. This happened often while I attended there. Now I 'm hounded day and night by private loans. I ca n't afford this, I also ca n't use my degree. I 've been swindled ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am a XXXX, XXXX years ago consolidated my loans through Navient in order to enroll in the civil service loan forgiveness program. I was instructed by navient to lower my monthly payment from the aprx. XXXX a month that I was paying, to the minimum payment. They stated that after XXXX years of consecutive payments I would be forgiven of my loans. They enrolled me in autopay and put me on a payment plan that they said was the payment plan required for the student loan forgiveness program. They informed me that I was now enrolled in the program and that as long as I did not miss a payment I would have my loans forgiven in XXXX years. 
In XXXX of 2016 I enrolled in a advanced certificate program for education, once enrolled Navient automatically put my loans in forbearance, I immediately called and asked them not to do so because I was in the loan forgiveness program and could not miss a payment, they canceled to forbearance and told to make my payment manually and that I would still be on track for forgiveness. 
In XXXX 2016 I called Navient to ask a question regarding the status of my loan forgiveness program and to ensure that everything was still on track. They informed me that I was never enrolled in the program and that my payments over the last 3 plus years could not be applied to the program! This was infuriating since a Navient advisor walked me through the process and claimed that they enrolled me in the proper payment plan for the program. I followed them step by step over the phone on how to enroll, they made the changes for me and assured me numerous times over the phone that I was now enrolled in the program and did not need to do anything else. The payment plan that they changed me to has cost me XXXX of dollars in interest that I would not have had if they had informed me of the correct payment plan. I trusted the advisor whom I spoke to and that person misinformed me of the process and enrolled me in the wrong plan costing me thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Describe what happened so we can understand the issue ... 
I did not give verbal and/or written permission for Bank of America to pull my credit report on XXXX XXXX, 2016. Per Federal Credit Reporting Act this is an ILLEGAL act to make an " Hard '' inquiry which decreased my credit score on my credit report. When asked to show me proof of authorization this company could not provide it. This inquiry needs to be deleted from my credit report.

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 2017-02-01 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: TX

Complaint narrative:
Please contact me about the serious concerns I have with Navient personnel in matters of falsifying company records, lack of integrity ( intentionally making untrue accusations and proven deceit ) and unacceptable customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Credit card company transferred a charge from a previously closed account to a new account without our authorization. ( The supplier had been authorized on the previous account. )

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 2015-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America refuses to provide lawful information pursuant to the Fair Debt Collection Practices Act to validate a debt. Further, they continue to harm my name by reporting this information to Privately Owned credit reporting companies. Bank of America was asked specifically to provide the following information:XXXX A statement admitting whether you are the holder in due course or whether you are a servicer. 
XXXX. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
XXXX. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
XXXX. The XXXX number under which my loan was securitized to. 
XXXX. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please contact me in writing to arrange for an appropriate point of inspection

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has lied and they just do not want to assist customers in finical hardship. Since our last discussion I looked into Bank of America option of Credit Counseling and they should be aware that CLOSED accounts are not eligible for that plan. My account is closed and has been for sometime which means that it is not eligible for their suggested program and yet they still refuse any assistance to their former customer in addition Bank of America has yet to provide me with information about their " regulation '' that restrict their programs but no other bank including those larger than Bank of America appears to have the same restrictions.

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 2017-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I enrolled at XXXX University 2008 ; I inquired with XXXX about cost, ways to reduce cost, ways to complete school faster. The intake person was not completely honest ; she said I would graduate in two years using transfer credits and life credits. This was not accurate. She failed to tell me that life credits are not free that they must be paid for out of pocket, and that I did not have enough credits to graduate in 2 years. Once I discovered the fallacies I was already in for almost 2 years, so felt I should continue. Once I graduated I had a debt of XXXX and my loans serviced by XXXX XXXX, now Navient. I called them repeatedly for assistance in repayment options ; they kept putting my loans in forbearance or deferment, without letting me know that interest was accruing. My student loans are now at XXXX ; I will never be able to pay this off. We will have to sell our home to help pay this off so we do n't take this into retirement. I am so disappointed that I was not given accurate information and assistance from the beginning. Is there any recourse for this ; I am more than willing to pay for my original loan, but all the interest has doubled the amount. I am not sure how to even begin at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
With the change to the chip readers, customers who have chips in their debit cards are n't allowed to use a pin in our chip reader pin pads. In trying to determine why this is, I have learned a few things ... 
I called my bank to ask that I be allowed to opt to use the PIN when making debit card purchases, and the representative with whom I spoke referred to her guidebook and said that it is the terminal that determines how the card is processed. Our processor, XXXX XXXX, says that it is the card that determines this. I believe the latter is the case from what I have experienced firsthand. 
My XXXX, when I activated it, asked that I set a PIN. When I tried using it in the terminal at work, IT PROMPTED ME TO INPUT MY PIN. When I called XXXX XXXX yesterday, I was told that they have not issued Chip and PIN cards in the US, only Chip and Sign cards. When I said that I 'd rather have a PIN to avoid fraud in the first place and make my card truly secure, I was told that Fraud is covered 100 % and not to worry ... How stupid is that? 
My work XXXX cards have chips and I called to ask to set a PIN with both of them. The woman with whom I spoke was happy to help and it took a minute to set the PIN. Trouble is, the cards Chip and Sign cards and the PIN will only work in ATMs, which is n't what my goal was. 
In the meantime, XXXX and XXXX are earning extra fees for running the cards on their networks rather than on the debit networks. The debit companies are losing out, but more importantly, the merchants are suffering most in having to pay higher fees for the transactions. 
So much for the Dodd Frank Wall Street Reforms pertaining to debit cards. 
I plan to call the issuers and demand Chip and Pin cards, but XXXX XXXX did n't seem too interested in my request yesterday. Can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: NC

Complaint narrative:
I called to have my Co Sign removed on XX/XX/XXXX, they told me I had to fill out an Application and that it would take two days to email it to me. I found that strange considering it should be instant to email a customer a document. I waited and on the second day I received nothing. So I googled it and found the application on their website. They did n't mention I could do this at any point of the conversation. The form requires proof of citizenship, meaning I have to track down a copy of my birth certificate. How do they not have record that I am a citizen sense I have been doing business with them sense XXXX and needed to provide my birth certificate back when this all started. They also need proof of graduation, yet they did n't require this to start billing me 6 months after I graduated, I have been a graduate working on this loan sense XXXX and they had to know this. Now I have to track that document as well. I called them on the second day, the day I was supposed to get the emailed application. The hold was a few minutes, once I told the rep I needed help with the co sign release application I has told I needed to be transferred and the hold would be three minutes. Three minutes later they told me the hold was going to be a bit longer and offered a call back, I decided to wait. I was on hold for well over an hour. When I called on XXXX my hold was two minutes, by XXXX it became over an hour. It seems like every time I try to do business with this company they put as many road blocks in my path as possible. They provide miss information to hold you out as long as possible. They do n't seem to want you to be successful. Your struggle is their profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 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: The CBE Group, Inc.
State: VA

Complaint narrative:
I received a credit alert from XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX that CBE made a change to my credit report on or about XXXX XXXX, 2016. I do not know what this attempt is to collect the debt, however, XXXX XXXX has attempted 5-6 times to collect this debt I do not owe and has not provided the services contracted since XXXX XXXX, 2016. Services was contracted with XXXX XXXX and has been contracted with XXXX XXXX for approximately 14 years when recently ( last 1 1/2 years ) and is currently still under contract, the contracted provider started charging excessive fees, interrupted services, billed for services not contracted, failed to render services as contracted, and closed the account without authorization or consideration for number portability. Failed to respond to FCC complaints. ( FCC Complaint # ( s ) : XXXX, XXXX, XXXX, XXXX ) Requesting for consumer, XXXX XXXX XXXX to pay to terminate contract and services not provided and/or billed. Will attach additional information pertaining to payments and services. This is the second collection agency obtained by XXXX and I have not been provided the services I contracted since XXXX XXXX, 2016. 

This letter from XXXX XXXX references a home-based internet line : XXXX that was not further contracted after XXXX XXXX, 2016 when the contract ended. It was under the same account number ( XXXX ) as the voice ( talk, text, and data ) line reported : XXXX to the FCC after the line was disconnected on XXXX XXXX, 2016. XXXX is still contracted. I have not agreed to terminate my contract ( will not be paying an early termination fee of {$140.00} ) for this line and XXXX does not have this line connected for use as anyone that attempts to contact this number can understand when calling this number. This is the third attempt to collect on a XXXX bill in which services have not been rendered. I will not be paying for non-contracted services, services not rendered under this account or for not having service. You have been paid all you are due. 

XXXX XXXX has solicited multiple companies to collect on a debt not contracted, owed, or due and all have ceased collection activity on their behalf and notified both the consumer and the CFPB that collections have been ceased. XXXX has been the most recent company to cease collection on behalf of XXXX XXXX concerning this matter. Now on this attempt, XXXX has changed the number in specifics as to what the collection is indicated for ; indicating a contract for internet that was not renewed on XXXX XXXX, 2016 due to no longer needing it. I will file a complaint with XXXX as well.

Company response to consumer: Closed with explanation