vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account this account. I have never done business with CBE GROUP INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debt CBE GROUP INC purport I owe. I request that CBE GROUP INC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I recently bought a XXXX and got a new number. Since then I have been repeatedly called by Navient trying to collect a debt from someone who is n't me. They do not leave a message, and hang up if I answer. They call from the numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I paid my statement balance, thinking that would avoid any interest. I was told when I spoke to a customer service rep, that the statement balance means nothing and that I need the pay the purchase balance in full on the date I make the payment, including purchased made after the statement was printed. I rely solely on the statement to determine how much I need to pay, and I try to pay the purchase balance in full to avoid interest. I do not think it is fair to charge interest on a balance that is unknown until the next statement arrives.

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 2016-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Home mortgage was applied for as a Department of XXXX ( XXXX ) loan in XX/XX/2009 when I was still on XXXX and was, to my knowledge, a XXXX loan. When I tried to refinance the mortgage under a XXXX it was discovered through more than XXXX months of research and hours of telephonic conversations, the mortgage was never turned over to the Department of XXXX, as the attached closing documents would lead to believe, by the mortgage lien holder ( Bank of America ). When I pushed the issue forward with Bank of America and requested they make their mistake right, within 30 days my mortgage was sold to another lien holder ( XXXX ). After further research with XXXX I was told they ( XXXX ) purchased multiple of these XXXX but not XXXX loans from Bank of America.

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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I 'm writing in pursuit of my owed money from my private loans. I have consiladated twice and my payments exceed well over XXXX $ month. I have joined XXXX and XXXX for 5 years and have received no discount or lower payments because of my civil service. I was told I was ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 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: MN

Complaint narrative:
I graduated from XXXX XXXX XXXX in XXXX. I have accumulated so much debt. In XXXX, I consolidated all my loans with the Department of Education through XXXX XXXX XXXX. To my suprise, I have received a XXXX summons from a client that I owed private loan in the amount of approimately {$23000.00}. I was not aware of XXXX scamming me to believing that my loans were consolidative. Now I am stuck with paying loan that I had no idea signing in the name of financial aid. XXXX degree is not worth anything. I could not even get a XXXX. I can not pay XXXX different student loans at the same time.XXXX XXXX scam me and now I am stuck with unnecessary bills and being sued XXXX times by the creditors. I do not know what to do now. 
XXXX XXXX have cause me serious pain and my credit is destroy because of judgement on my credit history. 
I need them to take their worthless, senseless and scamming degree. 
I am hoping the CFPB can find a resolution to helping the thousands of people who are victim of XXXX XXXX Scams. Be careful to sign documents from XXXX XXXX. They will tell you your loans can be consolidated but that is a lie. They will steal some of the loan they make you take and you are stuck with the bad debts. XXXX XXXX is a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: NJ

Complaint narrative:
Navient is unwilling to work within my family budget to allow me to make affordable payments. When they make arrangements, they require them to be automatically deducted from my account. They ask what I can afford to pay and then always say they lowest payment they can take is at least {$50.00} more then that. They are so concerned with the interest collected on my non-federal loan, that they had not contacted me to pay my federal loan. I received notice that I was in default of my federal loan and had to quickly file for a consolidation with another company in order to bring my federal loans current. They are rude and unwillingly to meet customer financial needs during the repayment process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My friend wrote me a personal check from his Bank of America checking account. He left the payee line blank. When I walked into Bank of America 's XXXX XXXX XXXX, XXXX, MO XXXX office at XXXX on XXXX XXXX, 2015 to cash the check the bank teller and a female branch manager both refused to honor it. They stated that " Federal Reserve regulations prohibit us from accepting the check ''. My understanding of banking laws is that when the payee line is blank, the bank may ask me to fill in my name, endorse the back of the check, or show proof of ID but may not refuse to honor the check. Please advise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I 've never been approached with any options to lower my payments or interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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: SC

Complaint narrative:
Bank of American is charging fees in excess and not authorized with the business banking account with XXXX XXXX. We are not to have a monthly business fee if we pay our bills using our debit card like a charge card which we have been. We also indicated to Bank of America that we do NOT want any overdraft protection and if there is n't money in the account we do not want the transaction authorized. They 've been denying this request and they been deliberately causing our account to go negative and charging in excess fees up to {$35.00} at a time and every few days once they start the cycle of charging an account into the negative. These transactions were not authorized nor where these fees.

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 2016-08-31 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: TX

Complaint narrative:
I took out a {$5000.00} loan with XXXX XXXX back in XX/XX/XXXX or XX/XX/XXXX for my attendance at University XXXX XXXX. Once I started repayment on them my loan has increased to almost {$10.00}. So I accumulated double in interest. How is this possible. I went back to school and deferred my loans which was until XX/XX/XXXX. By this time navient has now taken over my student loans. I was n't advised of the change. I 've to one person in regards to my account and they say I owe {$300.00}. which I was only pay {$100.00}. They have been calling me nonstop all day. I do not want to speak to them unless someone is willing to help. No one is willing they only want there money. Why is my interest so high? Why are n't you trying to help me lower my monthly payment. why is the interest that much on a college student.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 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:
On XX/XX/2011 i deposited a check of XXXX into my Bank of America account. I received this check through a craiglist job that i found and i was sent was sent a check to be deposited into my account and from there purchase things and shipped them out. I received the check and the check seemed legit. Then i received a letter from the that my account was closed due to a fraudulent check. I was surprised because I did n't know it was a bad check. I was XXXX at that time and was looking for any job to be able to meet ends meet. I disputed the case with XXXX and bank of america and nothing is been done. I asked bank of america for a copy of the check and said they do n't have it because this happened XX/XX/2011. I did research after that and i was one of the people of XXXX scam where they send you and check and it bounces to be a bad check. I deposited the check and did n't touch any of that money from that check.

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 non-monetary relief
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XXXX XXXX XXXX Bank of America provided an Escrow Analysis Statement that showed I had a shortage of {$820.00}. On XXXX XXXX I went into the Branch and paid the Escrow shortage in full, which then reduced my payment by {$46.00} a month. On XXXX XXXX, BOA produced another Escrow analysis Statement showing an increase in Escrow payments and an Increase in mortgage payments. In XXXX I was a victim of Mortgage Servicing FRAUD by Bank of America due to BOA Increasing my escrows by {$2000.00} a month for Property Taxes " I did not owe '' ( as confirmed by the Independent Foreclosure Review ) on this very same mortgage. It appears their pattern of inaccurate Escrow Analysis and Payment changes have begun all over again!!!!

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 non-monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Originally submitted a fraud claim to Bank of America ( BofA ), through identitytheft.gov, XXXX XXXX, 2016, in which they settled a portion of the claim and have yet to settle the latter portion.. The second portion was resubmitted XXXX XXXX, 2016. BofA stated it could take up to 90 days to complete their investigation. I have not received any correspondence from them. The second portion is of similar transactions as the first portion and should be an obvious conclusion. Supporting documentation is available as needed.

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 2016-12-01 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: PA

Complaint narrative:
I have had a great deal of problems with the lender Navient in the recent year. Last year if you look at my history they charged the wrong bank account and it was a big debacle getting things squared away, it took close to 6 months. Anyways, they are at it again and are taking payments but XXXX is being applied to my balance. My balance is going up monthly and I am making payments. This should n't be happening. I am keeping a detailed record on XXXX spreadsheet of each loan and the payment allocated whether principal or interest and this past month my total balance went up. I also had a payment applied that did n't do anything to a loan. I also believe they are n't applying correct interest rates and are double dipping into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: VA

Complaint narrative:
I requested a loan consolidation around XX/XX/XXXX. My primary loan is with XXXX ( but somehow managed by Navient ), where I have XXXX different loans more or less {$10000.00} each from my XXXX degree completed XX/XX/XXXX. After that I got about {$30000.00} split in XXXX loans from XXXX. 


When I filed to request the consolidation, I chose Navient. After I receive my consolidation letter I noticed that the XXXX loans from XXXX were not included. I have been calling in multiple occasions to have this situation fixed as soon as possible. Eight months later, my loan balance is still not right. 


I had to call Navient, XXXX, and the Department of Education countless times, without being able to receive any kind of help. All the answers that I get from Navient are that they will submit my paperwork to a supervisor but nothing happens. Please advise.

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: GA

Complaint narrative:
I have two complaints. 
1. ) XX/XX/XXXX we were contacted by Navient about consolidating our loans. We were told at that time that they would use the lowest interest rate of the loans which was around 5.3 %. When the paperwork was complete they used the highest interest rate which was 7.75 %. When I called to complain they said " I 'm sorry that the person told you that but this is what it is and nothing can be done '' :!! 
2. ) XX/XX/XXXX our checking account was compromised and we had to open a new one. I went online to Navient 3 weeks prior to the payment being due to change the bank account information. I noticed the payment did not come out on the first and called to inquire about it. The operator said that I must have changed the account too late in the month and the payment wont come out. I told him that I changed it 3 weeks prior to the payment date and he said he did n't know what happened but I could skip that month if I wanted to. I said I did NOT want to skip a payment. He said that he would put into the account to pay. He then turned around and skipped that months payment so for the next 5 months we paid nothing but interest on the loan with no principal. Our payments then went up by {$23.00} each month because we " skipped '' a payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 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: MI

Complaint narrative:
I have received calls from a General Revenue Corporation on a debt they claim is owed by my partner. To date, they have called : * me * my mother * my father * my sister all on our personal cell phone numbers. None of these numbers have been provided as contact points, and there is no overlapping financial concerns that would associate us with this claimed debt. I called General Revenue in an attempt to obtain an address where I could send a registered " do not contact '' letter, and was directed to a separate XXXX number for their complaint department. I was told this department would be able to provide me with the information I requested. This number went to a voicemail box, and so far I have not received a call back. I called back to the original number, and was told the complaint department is the only place that can assist with this information I understand they are required to supply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 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:
Overdraft Charge of {$35.00} was collected from my account in consecutive thee times on XXXX XXXX, 2015. The statement was not showing any overdraft balance on XXXX XXXX, 2015 after all of the checks and atm card payment were posted. It became negative when the XXXX and XXXX overdraft charges of {$35.00} were posted. It may be a computer error. I just would like to request for the refund of {$100.00} ( {$35.00} x XXXX ). Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
Since XXXX, I have spoken with the collection agency, which admitted that they do not have any information ( social security number ) or otherwise that confirms this debt is mine. I have asked them to remove this debt from my credit report, but they have yet to do so. I am trying to purchase a home that is scheduled to close XX/XX/XXXX, being told that I must address this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: RI

Complaint narrative:
I opened my account with Bank of America in 2008. At that point in time, I opened a checking, savings and credit card account. Since 2008, I have been a loyal BofA customer. I 've moved several times and always kept all of my accounts. In fact, I have often heard folks complain about BofA and defended them. Until today. On XXXX XXXX, I set a travel notice with BofA for all of my accounts, including my credit card. Since I opened my account nearly 10 years ago, I called to be sure that I would not incur any fees if I used my credit or debit card while traveling in XXXX for 4 days. I was assured that I was all set, I could use my card as normal and would not incur any fees. Great! 

Then I get home. I go online to my online banking to compare my receipts with my charges since there is an exchange rate in XXXX. To my surprise, every single transaction had a fee attached to it. Some as high as {$3.00} AND the hotel has not even credited yet so I am already anticipating one up to {$20.00}. So I think, well this must be a mistake I 'll give them a call. 

The woman I spoke to was absolutely deplorable. If I had a dollar for every time she told me " the fees are valid '' I would not have to worry about fees. I explained to her that I had called, that I was a loyal customer and I was simply wondering why I was told incorrect information and hoping that BankofAmerica would do right by me. She proceeded to tell me that I should have read the information given to me in 2008 when I opened my account and there was nothing she could do. This was, of course, after waiting on hold for nearly an hour and waiting then for her to " look up my account '' for 15+ minutes. I think it is disgusting that an institution would take advantage of their customers so much. She had the nerve to tell me " Oh yes I see fees, they are small but they are there. '' Minimizing my issue wo n't get you anywhere.

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 2017-01-27 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: PA

Complaint narrative:
I was issued student loans by Navient and did not have a parent to cosign. I instead used my grandparents, who are both unemployed. As a result, I was offered loans of XXXX %, XXXX % and XXXX %, which total {$600.00} a month in private loan payments. I was told today that I no longer qualify for XXXX on my Federal loans and I will need to pay {$290.00} a month. That brings my grand total to {$890.00} a month. I was not told that I was no longer qualified for the program, instead I had to call to find that out. The representative told me that I had to go into my inbox on the website and click " previous website '' to find that information. This is deceptive because the name of that link does not indicate you would find important documents within it. The " messages '' feature which is big and bold on the front page does not contain any pertinent information. I was told that I could put my loan into forbearance, thus racking up even more interest ( which I did in XX/XX/2016, as well as several times in the past ). This company is hindering my ability to live comfortably, start a family and buy a house. I have made every XXXX of these ludicrous payments, despite not being offered any help on how to make these loans more manageable. I believe the initial private lending practice was predatory and the federal loan process is not offering me a reasonable payment.

Company response to consumer: Closed with explanation