vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There is a derogatory mark on my report from Bank of American in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is regarding overdraft fees that I was charged by Bank of America : I was charged {$240.00} for transaction overdraft in XXXX of XXXX, and {$420.00} in XXXX of XXXX. This is only the charges on my Bank of America checking account. I have a credit card linked to this account for " overdraft protection '' and somehow I was charged additional overdraft {$200.00} on the credit card side for the same transactions. I do n't know how that is overdraft protection when the setup gives the bank more opportunity to charge you bank fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23 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: AZ

Complaint narrative:
Collector : JEFFERSON CAPITAL SYSTEM Creditor : XXXX XXXX Amount {$180.00} This amount is not correct and this debit is not owed no matter how many times I talk to the collections department or XXXX. 
I had a XXXX account and I was transferring my phone lines to my new husbands account. It was called an assumption or liability. The account had to be at a ZERO balance before the line could be transferred over there. They keep saying this is a past due but there was a Zero balance. XXXX ca n't even talk to me as they sent me to a collection account company and I tried to talk to them and I disputed it through them as well. 

I want this removed from ALL XXXX credit reporting companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 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: OH

Complaint narrative:
A XXXX XXXX debt has been placed on my credit report that is not mine. XXXX XXXX has verbally confirmed it is not mine, but refuses to provide me with a letter stating so. The account was sold to CBE Goup XXXX. XXXX XXXX XXXX, IA XXXX, when asked to confirm ownership of account with XXXX the refuse to do so. XXXX is also refusing to contact CBE Group. XXXX states that a SSN was not provided to CBE, therefore I do n't understand why it was posted to my bureau.

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

Complaint narrative:
I have completely paid back my student loans. They were paid off in 2014. XXXX XXXX was the loan provider at the time. However, my loan was transferred to Navient. Prior to me paying off the loan it was in forebearance. I never paid late to XXXX XXXX because it was in forebearance. However, Navient is reporting that I paid late multiple times in the years of the recent recession. I did not have a job at the time, I informed XXXX XXXX, and I was granted forebearance. Navient will not change what is being reported to my credit agency. I have complained and asked them to show proof that I paid late. The account # they have for me is not in their system and they still will not correct this issue with XXXX. They are reporting false information to XXXX and they will not respond to multiple requests to correct their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I am writing to complain about Central Financial Control Agency, CA reporting on the XXXX credit reports that I have unpaid medical payment. 
The balance on the medical bill was transferred to the collection agency by XXXX XXXX XXXX, XXXX, TX XX/XX/XXXX due to an error from their billing department stating that I missed a monthly payment. I had to fax over my credit card statements showing that I made the payment before it was resolved. I asked for my account to be removed from collection, since it was an error on their part but was told that they could n't retrieve it since it was already in collection. 
I started paying monthly payments of {$100.00} to Central Financial Control, CA from XXXX/XXXX/XXXX and made the final payment of {$100.00} for the balance on my bill on XX/XX/XXXX. I asked for a letter stating that I had finished paying the medical bill ; I was told the letter would be sent to my address. I was surprised a few months after to receive a bill stating I was owing another {$100.00}. 
I called several times and was told that a refund was issued to my credit card and that caused me to owe that amount. I told them I did not receive any refund and faxed over my credit card statements showing no refund issued to me. I was told several times that it was being sent to their research department. I never got a response back and called for several months, even till XX/XX/XXXX. 
I felt it was resolved and forgot all about it, until I saw it on my credit reports XX/XX/2016. 
I paid the final balance on the bill on XX/XX/XXXX and do not owe any amount since I did n't get any refund on my credit card as stated by the collection agency. I want the {$100.00} medical item deleted from my credit report with the XXXX credit reporting agencies - XXXX, XXXX and XXXX. 
Thank you for your assistance in getting this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: FL

Complaint narrative:
I just received an email from " Navient '' asking for {$100.00} payment. I am still in college and do n't know why at this time they are asking for money. My service was with XXXX & it looks like this is the new company that has taken over. I was told I did not have to start paying the loan back until 6 months after graduation. 
I just read the reviews on this company. I do not want to deal with them. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Our mortgage was finally modified on XX/XX/XXXX after a 2 years of struggling to get approved from XXXX XXXX XXXX and in great THANKS to your involvement. Our original mortgage was thrown into default by Bank of America force placing a XXXX flood insurance on our loan for no just cause, we called them to cancel it and got a run around every time until finally between adjustment rates and over due fees and additional unnecessary insurance we fell behind. Now conveniently enough SLS has given back the servicing rights to Bank of AMERICA and we just got a notice from Bank of America that our mortgage is going from {$2300.00} to {$3500.00} as of XX/XX/XXXX 
Our nightmare is going to start all over again unless you help us! My husband is on a fixed Social Security XXXX and we on a strict budget with all our expenses. XXXX XXXX Servicing paid XXXX Homeowners Insurances and I called Bank of America the XXXX time on XX/XX/XXXX and spoke to XXXX at XXXX extension XXXX, she explained to us that their system takes about 15 to 30 days to update and to keep calling every week to make sure they have the XXXX files already in their system, without they can not assist. As of yesterday XX/XX/XXXX they still do not have records showing the homeowners Insurance payment history updated and we are in a time crunch for XXXX 's mortgage payment to take effect. I understand we 60 days for changes to be fully in place with the transferring of servicers ' but this is all an unnecessary evil happening all over again. 
Attached are the Escrow Statements sent to us by XXXX XXXX Servicing, XXXX escrow statement is from XX/XX/XXXX and then the XXXX escrow statement is dated XX/XX/XXXX. On each individual statement you see a Homeowners Insurance Payment, I found this convenient for them so it looks like its only been paid to XXXX Insurance company and also found having XXXX Escrow statements within a 2 month timeframe a bit odd as well. Bank of America is XXXX again our servicer, we are very happy about that because we believe XXXX XXXX XXXX is a debt collector and knows nothing about servicing home mortgage loans. It 's a very scary world out there for these homeowners dealing with modifications and if you are not scanning all your correspondence you will once again be at risk of losing your home. 
We as and plead for your assistance, I ca n't lose my house because of bad record keeping on someone else 's part, a part that they are responsible to keep track of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We are not stupid and we deserve the true and treated with respect and make us feel that we have you all to protect our security identity and help us solve an issue like this kind. That believe me is nothing agradable to go thru this. I been robb since XX/XX/XXXX and I already explain you all all the situation. And I send papers information of you tell me to send. My transaction I made I write in a paper and police report send it by fax. And and I take that molestia to call you. Because if I do n't call you, you never call me and inform me nothing, exactly like you never inform about any transaction made it or mail, text nothing at all for my transaction made it. And already made XXXX claims XXXX and XXXX and claim rep. Say everithing was fine so the issue star like XX/XX/2015 thru XX/XX/XXXX. Or XX/XX/XXXX. And my balance was up much more. More than XXXX dollars and you lie to me and refund dates of XX/XX/XXXX so what XXXX???? 
What you make us think? The issue is XX/XX/XXXX since today or the day I do the claims. Not only XX/XX/XXXX. If I explain the Stating issue of feb. And you all telling me lies and when I see the stamens only issue cover on some days in XX/XX/XXXX. With my balance that was XXXX XXXX XXXX XXXX like total of XXXX and you are solving the issue with XXXX? 
I deserve a professional quality of you help. Not life of our situation and telling what was my transaction and with are my balance and deposit and you refund the issue with XXXX. I ca n't believe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
While I have been able to talk directly to XXXX XXXX of Bank of America, she and her assistant ( XXXX XXXX ) have repeatedly ignored messages from me, since you closed my previous complaint. I was able to talk directly with XXXX XXXX on XXXX/XXXX/15, in which she made an appointment with me to call me after XXXX on XXXX/XXXX/15, an appointment which she did not keep. When that time period had passed, I called and left a voice mail for her. She did not return my call until this week, XXXX/XXXX/15 at XXXX, while I was indisposed. I promptly returned her call, informing her that she could call me back at any time and leave a voice mail if I was n't able to answer at that time. I have had several questions arise since my first contact with XXXX. I have repeatedly called and asked for a response from her. My questions to wit are : " Is Bank of America willing to work with me as an affiant or do I need to be an executor of XXXX XXXX 's estate? '' and " Did Bank of America pay the property taxes, as they have in the past, for 2015? '' The answer to both of these questions directly affects me and my future arrangements. My attorney also needs to know the answers before she can proceed. I did offer the option of a conference call between the XXXX of us. No response has been supplied, if indeed, this is an option. My understanding of past conference calls is that all parties are notified well in advance of the time, number to call and a check-in ID # for such calls, in order for them to be legal. An " ambush '' conference call is not allowed. Again, I need an immediate response to these questions. XXXX XXXX 's reply to you that she was unable to get information from the consumer is not a valid response, as the consumer, in this case, is my recently-deceased husband, a fact of which both Bank of America and XXXX XXXX are well aware. Thank you for any attention you can give this matter on my behalf.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
bank of america is refusing to disclose how many fees charged my account. 
over {$500.00} since XX/XX/2015. 

in my trying to close account they refused claiming items paid were still processing. then they ran a returned check thru twice to access yet one more feeafter knowing i was closing that account at branch

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: The CBE Group, Inc.
State: CA

Complaint narrative:
I moved out of my apartment XXXX/XXXX/XXXX and in XXXX I received a bill from a debt collector requesting payment of {$350.00} from XXXX XXXX XXXX stating that the XXXX & XXXX disconnect date was XXXX/XXXX/XXXX at the same location that I had moved from. I had never received any bills attempting to collect from XXXX & XXXX in three years until I received this collections bill in XXXX. I contacted the collections agency and advised that I turned my service off with XXXX XXXX XXXX on XXXX/XXXX/XXXX, they advised me to get proof that I had moved, I got the proof from the leasing property management that shows the date I moved and mailed it to the collections agency. I called one week later to verify that they had received the document and they advised me that XXXX XXXX XXXX still wanted them to collect and to keep it as a valid debt due. I called XXXX & XXXX and was told that they do not accept proof such as a letter from the leasing company documenting that I had moved. I asked them to pull the record of the call where they were to disconnect the service and I was advised that they could but most likely would not do it. Even with proof that I was not residing at the apartment, they refuse to help me and are attempting to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
seventh avenue at XXXX XXXX XXXX XXXX wi XXXX first off this is not my debt and also it has been put on my credit report. I called the company and several laws were broken due to FDCPA, the rep did not verify who they were speaking with, disclosed a debt that did n't belong to me also there was no call discourse done which are clear violations of the law. this company has put this on my credit report in 2007 for a XXXX debt. I have advised them it was not me and I am DEMANDING the trade line on my credit report is removed or I will be pursuing for laws that have been broken by there management staff and I would suspect it would cost a lot more than XXXX when I hand over the recording. also I would suggest that the owner or COO or board of directors contact me due to the fact that over XXXX and a law suit that would coast much more would probably not be acceptable, also I will be going to the news, social media about this situation. bottom line REMOVE THE TRADE LINE FROM MY CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TX

Complaint narrative:
Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. Navient handles {$300.00} XXXX in private and federal loans for some XXXX XXXX people -- touching about one in four student loan borrowers. Every customer may have been affected by Navient 's misdeeds. Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. Navient mishandled loan payments, buried critical information in fine print and set obstacles for borrowers trying to release co-signers from their loans, among other failings, according to the consumer bureau 's legal filing. I attend XXXX XXXX XXXX, I am overpaying for my student loans and can not afford them. Navient is not willing to work with me and grant me any type of student loan forgiveness or a forbearance. XXXX XXXX inappropriately charged a 5 % late fee when certain borrowers missed a payment. I was not helped nor was I given any repayment options to get a lower payment. Now I am being forced to lose everything just to pay my loans. The reps are so nasty and mean and have no remorse for you or your situation as if it is them paying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX XXXX, 2015, I went outside to check my mailbox and I noticed a manila envelop hanging on my door with a note to call BOA XXXX Bank of America XXXX immediately. I had been home all day and no one knocked on my door or rung my doorbell. So, I called. I did not get the name of young lady I was speaking with but she was very condescending. 
BOA was contacting me regarding my XXXX payment .... My payments are due on the first, I have until the XXXX, so my payment ( at that time ) was only 3 days late. I tried to explain to her that I was waiting on my next paycheck to be able to make a full payment. She wanted me to obligate myself to a specific date and I told her I would not do that. She preceded to let me know that BOA could move forward with foreclosure on my house if I did n't make some sort of payment arrangement. I told her that I was not even a full month late but she firmly stated that if I did n't make some type of arrangement with them, foreclosure was the next step. I did n't understand how that could be possible due to the fact that I was not ( am not XXXX an entire month late with my mortgage and it is paid up until XXXX. 
I did not make a payment arrangement but I did agree to let her send me out some type of package with information to complete to see what can be done to keep my house from going into foreclosure. 
Once again, I am not even a full month late and BOA is threaten me with foreclosure. How is this possible. It is my understanding that a mortgage company can go forward with a foreclosure unless a person is 120 days late on their mortgage. How can BOA do this???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I received a piece of rental property in my divorce settlement. However, the mortgage still had my ex-wife 's name on it which I needed to remove. I applied with Bank of America to assume the loan myself in an effort to get my ex-wife 's name removed. Bank of America denied my loan assumption based on the following factors : ( 1 ) Serious delinquencyand public record or collection filed ... this is true ... I did have a home foreclosed on back in XX/XX/XXXX ... I was under impression based on what I have read that major credit events like this come off your record for credit consideration after 7 years ( 2 ) proportion of credit balances to credit limits was too high ... at time of application, and now, I was using ~14 % of credit available to me ( 3 ) proportion of loan balances to loan amount too high ... I have never missed a payment on any current loans, including the Bank of America loan ... nots sure how I can do more than pay as I am obligated to pay, which I have done ( 4 ) too many inquiries into my credit ... no inquiries have been for negative reasons ... only to obtain information for companies I was considering potential of borrowing from, including the application to assume this loan. My credit score on XXXX report was XXXX and on the other than Bank of America pulled it was XXXX. I make $ XXXX plus per year in earnings and have no debt other the mortgage payment for my personal residence, the mortgage payment for the rental home loan I was trying to assume, a small unsecured loan with XXXX and the revolving credit I have out there ... in total less than {$2500.00} per month and I have the rental home leased through XX/XX/XXXX at {$550.00} per month. I do n't believe I received a fair review or outcome on the assumption application. I believe Bank of America is trying to bully me into applying for a new mortgage which I do not want to do. I do not believe Bank of America acted in good faith to review all information available to them to make the decision as to whether I was worthy and able to assume the loan.. I have worked extremely hard to get my credit back in good condition after the foreclosure, which was a result of my divorce, and know that I am more than worthy to assume this 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