vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Account Control Technology, Inc.
State: KY

Complaint narrative:
Repeated calls from men with heavy hard to understand accents ( communication tactic ) saying " we are from ACT calling for ( ) '' When asked who they are 'ACT about the school '' leading XXXX to believe it is ACT collegiate testing calling. 
No disclosure of debt collection, just asks for a payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION
State: IL

Complaint narrative:
I am a co-signer for a loan. The student is not able to pay any amount towards this loan. I wanted to consider paying off a negotiated amount. I talked to a manager and was told they would consider 90 % payback. I asked the woman if I could talk to her manager. She told me he does not talk to anyone. So there is no one who will help me with this problem. The original amounts total {$4300.00}. It is now {$6400.00} because of interest. Interest rate are 9.625 % and 10.25 %. The lending instituted was not clear that this was a private company, leading borrows to believe it was a government agency. I feel this is dishonest and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION
State: VA

Complaint narrative:
I took out a loan for US {$13000.00} from Sallie Mae to pay for my first year of XXXX tuition at XXXX and, after the semester started, requested a refund of the small cash difference. After much argument and delay, XXXX 's sent me a refund. However, there is still roughly US {$340.00} missing and unaccounted for, despite my formal XX/XX/2016 complaint [ attached to this CFPB complaint ] to XXXX ( who had no response ), the Department of Education ( who had no response ), and Sallie Mae ( who claimed it 's not their problem ). 

At this point, I consider the money missing/stolen, yet I am still paying interest and principal on these missing funds. Moreover, the " it 's not our problem '' approach from Sallie Mae -- my lender -- is as wildly unacceptable as the non-response of XXXX 's to inquiries from both myself and Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
I had dental services from XX/XX/2012 to XX/XX/2012. At the time I was covered under XXXX. I paid for the remaining balances with my credit card. I submitted paper work for the dentist to be paid directly from the insurance carrier ( XXXX ). You will note that is what happen on the claim form. The dentist indicated that " XXXX paid patient '' at the bottom of the claim form bill. 

I was contact recently and ask to pay a bill that was supposed to be paid by the insurance company back in XX/XX/2012. I have subsequently changed employers and insurance carriers. The insurance company does not keep records back that far. 

I have asked for a canceled check from the insurance company to show that I cashed any check. They do not show one being cashed my me and the collection agency can produce any documentation showing that I received payment ( other than the handwritten note at the bottom of the bill page ). 

I am being as to pay for a service almost XXXX years later with no indication that the bill was submitted to the insurance carrier ( rejected or paid to me XXXX. 

This wrong and unethical. The credit collect agency it threaten to submit this claim to the credit reporting agencies to " damage my credit ''. This is also wrong. 

The person that made this " threat '' was XXXX or Credit Counsel, Inc ( XXXX, XXXX, FL XXXX ). Email : XXXX.

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 2015-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I was unable to repay a car title loan, they repossessed the vehicle and now they are still after me for more fees. The amount of the loan that remained unpaid is the same if not more than what they are charging me for the auction sale of the vehicle they took from me. and they are harassing me at work multiple times a day calling everyone and releasing private information regarding me. and they are very ride to me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
I completed a REPAYE Loan Payment Application in XXXX 2015. The new administrative rules from the Department of Education caused a delay in processing the loan application. Specifically, I was required to opt out of the IBR program ( 2 months processing time ), then make a payment under 10 year payment program or request a reduced forbearance payment to qualify for the REPAYE program ( 2 months processing time ), before the REPAYE program can be processed. This issue is causing me to loose 2 - 3 months qualifying payments under the Public Service Student Loan Repayment Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Consumer Portfolio Services has been calling me at work on my cell phone about a loan I have nothing to do with. I did not co-sign the loan or assist in getting the loan in any way. Sometime in the last two years my husband purchased a car which Consumer Portfolio Services apparently financed. My husband lost a high paying job when the economy went bad all of are financial affairs are completely separate. I have not co-signed any loan for him or in any way assisted him in getting that loan. For months Consumer Portfolio has been calling me at work. I work in the XXXX and can not be receiving calls like that at work. I have told them to stop calling me on my cell phone and they wo n't. I have told them to stop calling me during work hours, they wo n't. On XXXX XXXX, 2016 I sent them a certified letter telling them to stop calling me on my cell phone while I 'm at work and that my name was not on that loan. They continue to call me twice a day even after I sent them the certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION
State: DC

Complaint narrative:
My payment was applied incorrectly. I applied {$1300.00} to # XXXX and {$400.00} to # XXXX. I then received confirmation emails supporting this. 

Somehow, the entire {$1700.00} was applied to # XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I just graduated my XXXX program at the end of XXXX. I paid all of XXXX student loan payments on time. Then I went on a 2 week trip abroad, and could not be reached during that time. My loan payments are not due until the XXXX of this month, and it is XXXX XXXX. When I received a call from a Sallie Mae rep, I told him I would call on the Monday after I returned ( XXXX XXXX ). Sallie Mae 's automated program called me today ( Sunday ) a total of XXXX times with a recording that said to call back Monday. This is harassment, when a bill is not even due! I can not call them back to get them to quit harassing me because the recording says they are only open Monday through Friday! I was trying to spend time with my family and the phone was ringing off of the hook. This is completely unacceptable behavior by the loan agency. I am recently graduated, and intended to work on the process of consolidation this coming week after returning home from my trip. XXXX ( a company that is related to Sallie Mae ) also called me multiple times this evening. With XXXX, the caller i.d . showed up as " unavailable '' and the lady immediately asked me to verify my birthdate. I am not about to give my birthdate to a stranger on the phone with an unavailable callback number ( in case of identity theft ). She was very rude to me and hostile and told me " You better call us back then! '' ( as if I am the one who is in the wrong ). This is all completely unnecessary. I have been paying on my loans throughout my time in school. Calling me XXXX times in one day from Sallie Mae and XXXX times in one day from XXXX is harassment and is not legal. These companies should both be cited for violating the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bait & Switch by Bank of America. When purchasing a 2nd home for use by my family, a week before closing, B of A refused to honor the originally quoted interest rate because I had requested early occupancy by the owner, for which I agreed to pay one months ' rent. B of A said that because of this, the property had to be financed as " Rental Property '', thus raising the interest rate by XXXX points. I told B of A I would not be renting the property at any time.

Company public response: Company 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 — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: F&L Marketing Enterprises LLC
State: VA

Complaint narrative:
On XX/XX/2017, XXXX, contacted my reference. She informed the reference that I had applied for credit. She used other misleading statements that gave my reference the impression I was attempting to open a new account. The employee also asked her to verify that I recieved my income via military retirement pay. This made my reference feel uncomfortable. The employee also asked my reference if she trusted me. I feel these aggressive and misleading collection practices are unnecessary for a loan that is XXXX payment past due, with a total balance of XXXX. The company employee also calls several times a day, leaving a voicemail each call. I attempted to resolve the matter with the employee on XX/XX/2017. She was rude and informed me that it was company policy to tell my reference my personal information about the debt. I informed her that a general verification of my name, home address, and phone number should have been sufficient. I feel that my references should not be told my source of income, the amount of the debt, or questioned about their level of trust.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Is not my loan and amount is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I signed up for the XXXX credit card with Bank of America. Initially, they were unable to get my name right in three tries. 

Their fraud detection system is extremely weak. It flagged XXXX of my purchases as fraudulent, and then when XXXX fraudulent transactions happened over 2 days, it did not flag any of them. 

Furthermore, when I called to report the fraud, I was forced to wait 20 minutes on the phone -- and the initial customer rep could not even process this fraud report and put me on hold for 30 minutes for escalation. 

Their service department is clearly understaffed relative to other banks, and their fraud detection system is the weakest I have seen.

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 2015-09-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I have made numerous request for Central Financial Control XXXX Syndicated XXXX XXXX surrounding XXXX to XXXX accounts the creditor has placed on my creditor reports prior to notifying me of the alleged debt as well as refusing to disclose verification of debt. The latest communication was sent certified on XXXX/XXXX/2015 and the creditor has refused to respond as well as provide any disclosure of verification of debt details along with supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been trying for years now to save my home, everything including mediation, failed to provide any hope. The bank or banks agent, and mangers that I could supposedly negotiate with constantly changing, causing my efforts to get pushed to the bottom of the list. I have gone as far as to hire an advocate for {$5000.00} to help in the process. My loan has been mis-handled by my lenders, my lender continues to not discuss financial options that are available through both internal and government programs. My original loan documentation was signed by a rubber stamp not a bank VP. I believe this loan to be predatory in nature, however I just want to work out a reasonable payment with a reasonable rate. I am even willing to forego future claims against the lender in order to receive a fair deal. Its unfortunate that people have to go to these lengths just to get someone to listen. I hope they will listen. 

My home is set to be auctioned off on XXXX XXXX 2016, I hope that this will prompt the lender to finally work a deal with me. I 'm gainfully employed and my income ratios are within the guidelines to make a fair deal happen. My documents have been submitted, and the clock is still counting down. The crazy part of all of this is this could be fixed with a 5 minute phone call with someone who is empowered by my lender to make these decisions. The lender did n't even show up to my mediation, and could n't be reached by phone. Lastly, because I could go on for hours, These Banks got bailed out ... I 'm just looking to be treated fairly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 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: WI

Complaint narrative:
Currently, Navient is reporting inaccurate status information to the XXXX credit bureaus XXXX, XXXX and XXXX regarding the XXXX student loan accounts. These accounts were not part of a Chapter XXXX bankruptcy, claimed filed with government, paid or being paid by Insurance Company. Additionally, the accounts have not been 90-180 Days or More Past Due. 

I have asked Navient & XXXX XXXX to STOP AND DECSIST IMMEDIATELY from reporting inaccurate information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am trying to start the process to " recast '' my mortgage. I have been on the " Making Homes Affordable '' program for the last 5 years*. The BofA sent me a notice that a " recast '' was available if we wanted to keep our mortgage payment at a lower level, who would n't? 
I missed the deadline for getting the notarized paper work back to them. 
I called the help phone number, XXXX, ( on XX/XX/2016 ) to see if I could send the request in late. I was asked to hold while the agent checked to see if they would send me new forms. 
I was told to check back on a daily basis to see if my request had been granted. I called back ( XXXX/XXXX/2016 ) and was told to hold, the agent checked and told me to call back as no decision had been made. 
I had been through this dodge before with XXXX XXXX. I was going to call back this morning to check again. Then I thought the best thing to do was contact CFPB. 
*You helped me before when BofA reported me 90 days overdue. With that incident I requested a posting printout from them and found XXXX major problems 1. they were posting my payments to " Unapplied Cash ''. 2. They showed XXXX or XXXX transactions to my account but the " dump '' showed XXXX. 
I have other problems with them but I will not bother you with them now. 

Thank You XXXX XXXX XXXX XXXX XXXX

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 2017-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a business account with Bank of America. Business has been slow and I fell behind in credit card payments, but always tried to pay something. I was paying by transferring money online through my personal B of A account to the business account. B of A then took my business account down because it was delinquent WITHOUT TELLING ME. When they called and tried to get my credit card over the phone, I told them that I 'm not giving that info out and to please add the business account back to my online banking so that I can start making payments again. Over the past two months, I have emailed the CEO who forwarded me to a person named XXXX XXXX. I told them both I have been a 20 year customer and I always pay, but I ca n't pay if they do n't add my business account back to my online banking. XXXX XXXX said she would try, then got back to me a week later ( while I was accruing late fees I 'm sure ) and told me that the only way for me to pay is to do so over the phone. I emailed XXXX XXXX, the CEO again, and told him I want to pay but need to do so online. Then, they did a right to setoff, and took money out of my account to pay the late fees etc. If they had emailed me or sent a letter etc. telling me that they were taking the account offline I would have understood, but they never did and only called asking for a credit card over the phone. They are criminal and I think did it purposely to charge late fees. I have copies of my emails telling them that I 'm trying to pay but ca n't access the account online.

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 2016-07-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: PA

Complaint narrative:
I co-signed a student loan for my daughter years ago through I believe was XXXX XXXX. Since then the load was taken over by NAVIENT. I had no knowledge or notice of this transfer and in the process NAVIENT did not have any correct contact information for me on hand. Last year I get notified by my credit reorting service that a late/non-payment notice hit my credit score ( XXXX ). I contacted both my daughter and then NAVIENT, updated my information, paid whatever was due, and asked them to remove the late payment from my credit report since I had not been previously been contacted about the payment. After many attempts to have this corrected, nothing has been done and no one can give me an answer as to why. Also no one will call back. I noticed your agency filed a suit against them and thought you might be able to help. I have never had a late payment in my life let alone a non payment. I would like to have this fixed. 
Thank you!

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I took a Parents Plus Loan for my daughter in XXXX when she started at the XXXX in XXXX CT. It was $ XXXX. so {$40000.00}. I had to put it on forbearance a couple of times and here we are XXXX years later and the balance is {$47000.00}. Really? I have called Navient and all they tell me is that interest. I pay {$400.00} per month and it is not going down. I am going to be XXXX in XXXX and I DO NOT want this coming out of my Social Security check NOR do I want to hear Parents Plus Loans are not eligible. My daughter gives me the money, but over {$50000.00} has been paid. Why do we owe {$47000.00}?? This just is not fair.

Company response to consumer: Closed with explanation