vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: NJ

Complaint narrative:
GC Collection services calls me about XXXX times each day. According to the online research I 've done, they harass even people who have no outstanding debt. This is exactly the case with me : I have no late payments, and have never had. I want this bullying to stop : internet is full of stories of their harassment victims. Feel free to contact me : XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 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: NH

Complaint narrative:
I called Navient on several occasions to lower payments based on my income and was pushed off making it so my loans went into a past due state which not only affected my credit score but also my cosigners. They also sky rocketed my interest rate from 7 % to 10 %. They also called me upwards of 4 to 5 times a day even though I expressed to them several times I needed to change my payment or defer it until I could afford what they wanted me to pay and they told me that was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 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: CA

Complaint narrative:
I would like to notify you of an issue with my private student loan that was dispersed to attend a school previously called the XXXX XXXX XXXX ( XXXX ). I have agreed to have my private student loan payment automatically paid from my bank account each month. The amount that is removed from my account each month ( according to my bank statements ) is approximately {$290.00}. However, when I receive my billing statements, the monthly amount due is approximately {$240.00}. I 've called Navient Solutions, Inc. to determine what the difference is between my billing statements and the amount being removed from my bank account. The customer service representatives at Navient have been unable to clearly explain to me why my amount due is around {$40.00} less than what they are taking from my bank account. This is highly deceptive, as I am not able to find any disclosure that shows me why I am paying about {$40.00} more than what the amount due on my billing statement shows. It is also unfair. Customer service at Navient is not able to explain this to me, and I am unable to avoid this additional fee. I am hoping the CFPB can look into this issue, and I am hoping Navient will refund the additional amount that is being taken from my bank account each month, as they never properly disclosed this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
This complaint is against Western Union Money transfer servicesI initiated a transfer on XXXX XXXX 2015 for the amount of {$180.00} to be collected at an agent location in XXXX. XXXX # XXXX. 
After waiting 2 weeks without the receiver getting the money I called WU on Fri XXXX XXXX XXXX was told that there was a system issue with Western Union and the transfer would be escalated. I was told to wait for 24 to 48 hrs to receive a confirmation and was assured that the supervisor would call me back within this time frame with any updates. 
I did not get any form of confirmation or communication from Western Union. 
I called back again on Sunday XXXX 2015 and spoke to supervisor whose first name was XXXX and operator number XXXX. She again claimed that she will escalate the issue and call me back with a resolution. I also requested the transaction to be cancelled during this phone call which she assured will happen. 
Again I receive no communication. 
Called back for the third time on XXXX XXXX 2015, was repeated the same scripted dialogue. I have not yet received any updates from Western Union regarding my transaction. 
Prior to my first phone call I was never informed of any issues and the " transfer tracker '' on the website still shows the transaction on progress. 
I would like to cancel the transaction and receive my money back at the earliest.

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

Complaint narrative:
I have been filling out paperwork for the Income-Based Repayment plan for Navient for 3 years. The first year I had filed for an IBR XX/XX/XXXX the process was relative easy and they processed it quickly although I was forced to declared forbearance during the process twice. This past year for XX/XX/XXXX-XX/XX/XXXX was an absolute nightmare. They failed to process my paperwork for roughly 4 months straight. I called nearly everyday to speak to a supervisor and they would only put my loans on forbearance. Every time. I was told over and over again that the paperwork was received and was being processed and I kept asking them how does it take so long to process it if you have had it for months. I was finally able to speak with someone competent and he was able to put through the IBR for me by just changing something in the computer. 

I did not know we had the opportunity to send in a complaint to a higher order, had i known this would have been reported ASAP. I thought I was just at mercy to my loan servicer. 

If something can be done in regards to all the interest I accrued due to FORCED forbearance that would be greatly appreciated. If anything I would like this to act as a complaint to fix the issues with this servicer so other people do n't have this issue. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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 started charging me a $ XXXX safebox rental fee without my approval or proper notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05 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: NY

Complaint narrative:
I am receiving numerous robocalls daily asking for a person who is not known to me. I have received 31 calls in the last 20 days ranging between XXXX and XXXX. It is very annoying. The caller ID shows Navient at XXXX which I believe is a debt collector. The calls are recorded messages. 

I wish this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I placed {$2000.00} on deposit was never paid any interest on my deposit charged interest on my own money and than denied when I lost my job for the insurance I had paid for.

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 2015-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
BANK OF AMERICA seeks to collect a debt that is barred by the California Statute of Limitations. No judgment or debt has been filed or had by BOA against me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I a Bank of America account for payments for unemployment benefits from the State of California. I have not been able to withdraw funds from this account because this bank has waited almost a month since my card expired on XX/XX/2016 to mail a new XXXX. Though the bank says one was mailed out on XX/XX/XXXX, it is still not here. Meanwhile, I have bills and other financial obligations. Though there is money in the account and I can login to the online account, I can not transfer the money, or withdraw it any other way, except to have it wired via XXXX XXXX, requiring me to pay a fee for the transfer. Since this is B of A 's fault, I should n't have to pay them anything.

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 2015-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I paid my Bank Of America Mortgage XXXX XXXX, they received the payment in XXXX. 
I used Certified mail and KNEW when received the payment. The check cleared mybank on XXXX XXXX, 2015. I received My Mortgage Statement for XXXX, saying my XXXX payment was not received. Although the check had cleared XXXX XXXX andI was late and had a {$35.00} late fee due. I just received a letter telling me my mortgage was TWO MONTHS late and I may be facing forclosure. My payment was received XXXX XXXX by Certified mail. 
I want a full investigation done and a Equity Analysis ... .all late fees dropped and if anything is negative on my CREDIT report I want it cleared ASAP..I also want to know WHO HOLDS THE NOTE to my Mortgage ... I want to know who OWNS this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was recently going through my bank statements after a charge was denied and I knew I should have had the funds in my account. After finding out that I had a fraudelent charge on my account I started going through my past statements and I discovered that over {$7000.00} Had been stolen. I filed a claim and waited on a response. My claim was denied because they say my actual card was used in the withdrawals that took place. How can this happen? I know no one ever had my card in their possession. And it had charges from a casino and other states I have never been too. I want my money back asap.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I started XXXX XX/XX/1995 with a total loan amount of XXXX. It 's now been 19 years since I started repayment and I still owe XXXX because of first going into forbearance for as long as I could and now IBR or Income Based Repayment. My interest rate has never been allowed to be lowered and every year as my income goes up my payments go up. It is almost {$500.00} a month now and I 'm living paycheck to paycheck. My student loan is with Navient formerly XXXX XXXX. I feel that I 'll never repay this loan and it will end up coming out of my social security. I 'm XXXX now and I know it will never be paid off in my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America has shown XXXX XXXX XXXX XXXX late payments for XX/XX/XXXX 2013 and we have the proof from the account breakdown that the payments were made but improperly shown to various other areas in the account ... they refuse to take care of this problem as we have made numerous calls to the supervisor XXXX XXXX at XXXX ... w/little or NO results

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-16 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: CA

Complaint narrative:
As part of our regular monthly payment, we have included additional money towards principal pay down. From XXXX to XXXX, besides our normal monthly payment, we have sent {$150.00} specified towards additional principal. However, in the Bank of America statement, the {$150.00} does n't get applied toward principal, instead it gets categorized under " unapplied funds '', then used to reduce our monthly payment. If this is the case, then Bank of America is not applying the {$150.00} towards our principal pay down. We are not aware of any loan terms that say we ca n't make payments towards principal pay down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CL Holdings LLC
State: CA

Complaint narrative:
Received threatening letters so i called to clear up the confusion and its just a gimmick to have you call and be sold XXXX or get a " free XXXX gift card ''. There is no representative available to speak to, just a recording to connect you to sales.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15 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: IL

Complaint narrative:
I am currently out of school and I did not know he difference between loans, I got a loan from XXXX XXXX and I used it to pay bills, however years later I found out they were XXXX different loans and they can not be consolidated. I am unable to afford both loans on XXXX a year and I can no longer extend the private loans. I am a single mom and I am not sure what I can do for help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On XXXX XXXX I Chase Sapphire card and I was reading the details but could not find the answer to a specific question that I wanted. Trusting their customer service personnel would provide me with the correct information I called them. They told me that the XXXX dollar travel credit offered with the card renewed based on calendar year. Since it was near the end of the year he explained it would be advantageous for me to sign up. I signed up because I was told I would get a XXXX credit for XXXX and a XXXX credit XXXX. After signing up and following all instructions I contacted them to inquire about the XXXX credit statement and was informed that I am only allowed the XXXX credit for XXXX because it renewed based on billing cycle. They proceed to explain it was my fault for simply trusting their employee and not validating it with the terms and conditions. The submitted a work case to review the recorded phone call. 1 week later a manager named XXXX on XXXX XXXX XXXX at XXXX central time called me. She informed me that she had validated the employee did in fact tell me the wrong information but I would not be provided the XXXX travel credit for XXXX. Chase deliberately misinformed me to get me to sign up, and then refused to honor what they offered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I have been dealing with an issue with Navient fka XXXX XXXX for several years now. A private student loan was fraudulently obtained in my name by a former friend. I have told XXXX/Navient on numerous occassions that the loan was fraudulent and they refuse to remove me off of it. The loan was put into deferment, and came due in 2015. The harrassment has resumed ; they call me multiple times a day ( as many as 10 times ), send me threatening letters of legal action, and now have lumped the loan on my online account with my student loans. I have demonstrated to Navient that the loan was fraudulently obtained, I filed a police report, filed a lawsuit against the former friend and won judgement in the amount of the loan, yet Navient will not cooperate ; I have documentation of everything. The promissory note is clearly fraudulent, my information is incorrect, the salary is falsified, and the references used for me are not even people I know, they are relatives of the borrower. Please help me in this situation. I can be reached at XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 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: VA

Complaint narrative:
The credit company contacted my Team Lead at my job looking for me and they wanted information about me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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: MI

Complaint narrative:
Hello, XX/XX/2010 I got a discharge letter from XXXX, AZ for XXXX XXXX. 
Couple of weeks ago ( after 6 years later ), I got a phone call from XXXX phone number @ XXXX. 
Saying that I have unsatisfactory case from Bank of America credit card amount of {$10000.00} that I owed and asking for settle amount of 50 % otherwise they will get a judgement and sue me .... 
I thought this account might have missed during the bankruptcy. After checking my file from the attorney and credit report that I pulled after 3 month later after bankruptcy, it clearly said that this account was " Discharged through Bankruptcy Chapter XXXX '' So, I called back to them trying to avoid unnecessary future hassle and I informed them about the discharge. Now they are saying to me that " This particular account 's discharge was fraud, therefore The bank of America sold this account to us to recover their loss '' also said there was breech of contract that I violated with BOA for this account in order to get a bankruptcy and asking me XXXX % of settlement instead of XXXX %. They basically told me that there was fraud on my discharge. But I did everything legitimately through my attorney and had no problem at all for 6 years.Is this scam? 
I needs some advise on this please. They said today is last day for settle and it really bothers 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 2017-01-24 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: PA

Complaint narrative:
I just recieved a phone call from Navient previously known as XXXX. First begining with the conversation I was informed I had a private loan I knew absolutely nothing about. After a while discussing this matter I was offered a settlement of {$450.00}. She tried her hardest to get me to pay this portion in full so this loan i knew nothing about would be taken out of deafault. She offered me to pay {$50.00} a month until the {$450.00} was repaid. I informed her " it was impossible for that to happen '' she fought with me stating " you dont want the lower ammount '' i replied " yes of course " she said " my advice, than pay the ammount i stated '' I have a XXXX husband and child that i am barley able to feed. I offered {$20.00} and she basically told me, that couldnt happen because it would take to long and my loan ( that i knew nothing about ) would be in default until it 's paid and they would charge interest again ( after taking it off to " settle '' ) I also have XXXX federal loans that were just taken out of default through loan rehabilitation ( different company ). Now, after the rehab those federal loans are being handled through Navient. I just dont understand this process and feel very offended that this women thinks i am stupid by tricking me to pay a lower ammount. I also KNOW i was taken advantage of by XXXX when the women who applied for my loans for me, told me the XXXX year old me should apply for myself instead of having a co-signer or putting my loans in a parents name. I was also kicked out during my externship at a doctor 's office ( during work hours ) because i couldnt pay them the money owed for a failed class ( due to absenses ) They never even offered me a payment plan for that. I am outraged that 10 years i am still dealing with the harassment of XX/XX/XXXX. Their lies have affected to many of us and today i am informing you that they are still at it, even after all the lawsuits they have encountered. I am scared to continue dealing with them for my federal loans, due to their im professionalism and vandictive ways. I worked so hard to get those federal loans out of default, after years of bad credit i am able to obtain my first credit card. I am XXXX years old and i am not taking this madness anymore!

Company response to consumer: Closed with explanation