vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-05 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:
My student loans were consolidated by XXXX. When Navient assumed the loan, the loan amount was changed w/o out my consent. I have never missed a payment. Unfortunately, I did not know until recently when I saw it in the fine print, for the XXXX time, that I was only making the minimum payment. Due to this, I have paid a lot more interest than if it had been calculated over the XXXX year period. I was never offered any other option and believe that I have paid substantially more interest than I should have. 
I took out this loan while attending the University of XXXX 

Is there any recourse for this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: IN

Complaint narrative:
I received my XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. For years I 'd proactively call to set up arrangements which I could afford. Rather than lowering my payments they kepto offering forbearance. Just recently they started offering the income based however now my loans have more than doubled and I now owe {$190000.00} in student loans. They recently recalculated my paymentsong at {$1900.00} a month and when I complained they lowered it to {$900.00}. I 'm XXXX yes old and there 's no way I can pay these off before I die. If they had given the lowers payments when I first asked many years ago, I could have them paid off and not accrued so much interest. In previous years they would never lower payments.I feel like this is predatory lending. With being a single parent with such high payments I felt like I had no choice but to put them in forbearance. Please help. XXXX XXXX. Navient customer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong I was unemployed, homeless, and bank was {$0.00} balance with no automatic deposit. Now overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and XXXX for {$400.00}. I 've written letters, made calls, filed reports, disputes, I 'm going in endless directions.

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 2017-03-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER FINANCIAL SERVICES ACCT # XXXX CONTINUES TO LIST ON ALL XXXX CREDIT BUEARUS THIS IS NOT MY ACCOUNT AND NEVER HAS BEEN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We had a complaint and did a fraud alert with bank of America and they credited our account temporarily for the {$300.00} then all of a sudden without notify us the claim had been closed or anything they just take out the {$300.00} without us even knowing anything putting our account into the red which h I do not appreciate at all they tell us you get a letter in the mail that 's not right they should notify me they are taking out the money or that the case has been closed before they start just taking money out without my knowledge very upset about about this

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 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i paid off my mortgage with bank of america when i refinanced. b of a charged me a {$90.00} " fax fee, '' which seems ridiculous and unfair. they also charged a {$45.00} " reconveyance fee '' and a {$14.00} recording fee. i could buy a new fax machine for {$90.00}. this is absurd, outrageous, and i want a full refund for that fee! 

the fees banks and lenders can charge when you payoff their loans should be regulated so that we consumers are not hit by this arbitrary and ridiculous fees that we can not challenge during the payoff process. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06 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: OR

Complaint narrative:
I had an agreement with Navient in XX/XX/XXXX that I was on income-driven repayment with an automatic monthly payment of {$30.00} a month. This {$30.00} was withdrawn from my account once, and I was under the impression that it was regularly happening every month. In XX/XX/XXXX, {$260.00} was withdrawn from my account from Navient. I called them to inquire, and they explained to me that {$30.00} was only withdrawn once from my account in XX/XX/XXXX, and that my autopay and income driven repayment was put on a HOLD for a reason they COULD NOT DISCLOSE. As a result, a lapse occurred, and the regular monthly charge was withdrawn from the card that I had linked to the Navient account without my knowledge. I was in dire straights financially for two months to follow. I had to spend time on the phone with my bank getting an overdraft fee refunded, and I had to borrow money to pay rent. I always want to remain current on my loans as best as possible, so I tried again to set up income-driven repayment. After submitting current paystubs to Navient, they did not send a response in any medium and I just assumed all was good. An email popped up XX/XX/XXXX that my new payment was due and is {$270.00}, clearly not honoring any sort of low-income status. I called them and they said my paystub documents were illegible. How was I supposed to know this? So here I am, several forbearances later, continually accruing interest and desperately trying to just throw a bone of $ XXXX a month on my student loans. It never works! Navient is playing a game.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: PA

Complaint narrative:
These people keep calling me, even though they have the wrong number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 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: CA

Complaint narrative:
In approximately XX/XX/2015 I contacted Navient and requested the total amount due to bring my account current. The Navient representative provided me with a specific sum that needed to be paid to bring the account current. However, the information given to me was wrong and I was not advised of this fact until approximately 3-4 months later. At that time a different Navient representative advised me that I was given the wrong amount due XX/XX/2015 and that for the past 3-4 months I was past due and would be reported to the credit bureaus. Essentially, I relied the the Navient representatives representation to my detriment. This detrimental reliance caused me to suffer financially and has now directly impacted my FICO score and my ability to refinance my home loan. It is noted that this is not the first time that a series of actions like this have occurred and in fact this occurred approximately 3 times with Navient 's predecessor XXXX XXXX. The worst part is that Navient acknowledges that they made a mistake but takes absolutely no responsibility in remedying the problems they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 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: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
I have never had a contract with XXXX as a cell phone carrier. I have disputed the debt several time with the CRA and have had the debt removed from my report. Yet, XXXX will contract a different debt collection agency and they will reapply the debt to my credit report after I have won the dispute. It 's an endless cay and mouse game. I have asked for proof of the debt from XXXX and I have never received a response showing proof that I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Submitted CFPB complaint no. XXXX on XX/XX/XXXX, matter was resolved and the fees were refunded. This matter has happened again with the XXXX XXXX XXXX of California and Bank of America. The XXXX XXXX XXXX, calculated my taxes on information provided by my ex-employer United States Postal Service and put a hold on my account with Bank of America. I did my tax return and mailed it in about XX/XX/XXXX, the tax board did not receive my tax return and issued a hold on my account on my account which was received by the Bank of America on XX/XX/XXXX. Bank of America withdrew its XXXX legal fees, {$12.00} service fees and XXXX to be sent to XXXX XXXX XXXX. On XX/XX/XXXX had to fax tax return the previous tax return that I had mailed in was not received. Spoke with XXXX XXXX from XXXX XXXX XXXX, who assured me that no legal fees would be charged because she had emailed to the bank a release. I had previously received a letter from Bank of America stating the the funds would be remitted to XXXX XXXX XXXX on XX/XX/XXXX unless there was a release or court order to the contrary before that date. The funds sent to the XXXX XXXX XXXX were returned but the legal fees were not. The orders sent by the XXXX XXXX XXXX, specifically state : Retain any funds withheld for 10 business days from the date you receive this order. Bank of America withheld my funds on XX/XX/XXXX which is three days after receiving the order. The letter they sent me stated they would remit the funds in 17 days after they received the order. Notify the taxpayer and any other person listed on the account or accounts that you are withholding funds according to this order and the date you will be transmitting the funds to the ( FTP ). The bank was to withheld the funds for ten days and they notified me that they would be remitting the funds in 17 days from the date they received the order. Transmit any funds withheld to us at the end of the 10 days holding period unless you received a release from us. The release was sent from XXXX XXXX XXXX on XX/XX/XXXX. Revenue and XXXX code section Code 18674 ( b ) states in part : An institution may asses the account or account of each person receiving this notice a reasonable service charge not to exceed XXXX dollars ( {$3.00} ). I am asking for a refund of {$100.00} dollars legal fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
I visited XXXX XXXX XXXX in XXXX, GA in XXXX of XXXX. I updated my Medical Insurance information on the computer and returned it to the receptionist. She did not enter the new insurance company and so my information went to XXXX XXXX XXXX XXXX instead of XXXX. This is when problems began. I then in XXXX received a bill for {$930.00} for lab work. I immediately called the billing department and spoke with XXXX who seemed knowledgeable. I told her I was not paying on this bill until I got a proper bill from them. She agreed and said she would note. Then after that at I received a bill and starting paying on it. It took about 3 months before they rebilled me. I made payments and have records of every single bill I paid. I missed maybe two payments because of a death in my family and the fact that they did not always send me a monthly bill. I had unexpected bills from the funeral. So I made a payment on XXXX XXXX over the phone with the billing department for {$50.00}. I asked the lady if I could pay it in full and get them to reduce the bill. She said let me check, after about a 5 minute hold she returned saying yes but it would be {$590.00} to pay if off. That was {$120.00} more than the actual bill. I said well I will continue to pay the {$50.00} a month. The next week I get a bill from LCA collection agency. I called XXXX and asked why the lady in billing did n't say anything to me on XXXX XXXX, XXXX when making the payment. No answer. Just simply stated that was nothing they could do. I beg for some compassion and mercy. My house had been hit by Hurricane XXXX and is not live able and still after a 109 days I am still not back in my house. I would like to know why they charge interest on a medical bill. No other Dr. that I see does that not even the hospitals in this area. Also, they claimed they sent out a bill stating I was going to be turned over to a collection agency and I told them I never did. It then took them 12 days to send me XXXX. I have gone to their website and read there reviews and I am not the only XXXX. I simply needed a little kindness. I guess that does n't exist in this world anymore. Please help in anyway possible and if you ca n't help me at least make sure this does n't happen to anyone else who sees XXXX of these Doctors at XXXX in XXXX, GA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of a fraudulent loan, I never received anyof the money.the loan agent collected the funds & dissappared, went out of business.sold the loan to another company, left me with Morgage payments.home forclosed & left homeless & in debt.

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 2016-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I receive at least XXXX call per day at work. XXXX of my coworkers informed me that they have called them on their personal cell phones trying to force them to provide an alternate number for 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 2016-06-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was current with my mortgage and applied for the Government HAMP program. 
5 years ago Bank of America destroyed my credit. " SUPPRESSED NOT REPORTING my mortgage to the credit bureau to help me '' BAC did not report my mortgage for 7 months to the credit bureau. ( to help me )? 
8 months later BAC reported to the credit bureau that I was180 days behind on my mortgage since XXXX 2009 and I was current in XXXX 2009.BAC reported my mortgage to the credit bureau that I dtd not made a payment in 18 months. " We Suppressed not reporting your mortgage to the credit bureau to help you '' BAC used that 18 months of Suppressing of my mortgage to destroy my credit, and used it to give me a bad loan.

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 2017-01-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
i have a list on 3 companies that are reporting the same debt on my credit report and its affecting my score. the companies are. Central Finance control, Syndicated office systems and XXXX. they all say I owe to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
On XX/XX/2016 I submitted an online payment of {$7000.00} to Bank of America. Bank of America took {$70000.00} out of my bank accounts. I have tried since XX/XX/XXXX to get a refund but to no avail. I spoke to XXXX XXXX at claims to try and resolve the issue only to be told they have to wait 10 business days to refund my money. He informed me that on XX/XX/2016 that they would refund the money to XXXX the account. A letter from my bank stating that was an incorrect payment did not expedite the refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Bank of America XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Bank of America branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Bank of America location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. 

It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. 

I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and I am listed in the alumni directory as simply XXXX. 

Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. 

Yesterday, this request for Special Deposit checking and saving was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, knownn as Dodd Frank. 

Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.

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 2016-04-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I stopped at our local Huntington Bank in XXXX OH. to get information about a construction mortgage loan. They took my information and XXXX XXXX XXXX called me. I told him we currently own property that I 've corrected the drainage, cleared the trees and installed the driveway. He stated that they could not provide a loan because that 's considered preconstruction. I have done everything to what the country Building Department has wanted. I 've pulled the permits had the inspections and everything passed. So, how can a bank supercede a county building inspector? He was more concerned about my land, that I own, than modeling a loan. How is this fair? I feel discriminated against for upgrading my property. What lending laws did I break?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I completed and paid off my loan in XXXX XXXX and have not received my title back now being XXXX XXXX. I contacted the company and they do not take responsibility for the issue and blame the issue on a particular employee that took my payment and are extremely unprofessional when I attempt to speak with someone about a resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-29 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: IN

Complaint narrative:
My husband bought me a {$25.00} netSpend gift card for my birthday in XXXX, which I had been saving until I found the right gift. When I tried to use it tonight, they refused to honor it because " it had n't been activated in time '', even though the front of the card says " good thru XXXX ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Allgate Financial, LLC
State: OK

Complaint narrative:
I was googling myself today XXXX XXXX/XXXX/2015 XXXX and saw that I have a judgement against me for {$12000.00}! Supposedly I had a court date on XXXX/XXXX/2011. I never received any notification of legal action being taken and that was taken. The case information is from XXXX, Wisconsin, XXXX XXXX Case Number XXXX. 

Apparently the party that took me to court was Equable Ascent Financial LLC,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX. I have no idea who this is, what its for and why I never received any type of notification at any time!

Company response to consumer: Closed with explanation