vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: First Step Group, LLC
State: MD

Complaint narrative:
This debt was discharged because of the age of the debt in the State of Maryland. The original debt was from XXXX XXXX and it has been many years since it became aged out. The company First Step Group and XXXX XXXX XXXX is continually calling and sending demanding letters asking for payment. Then in small letters at the bottom it says because of the age of the debt they can not sue or report it to credit reporting agencies. Yet, I think it would be odd if the law allowed them to harass me to the end of time. If the State of Maryland has said the debt is old and I do not have to worry about it anymore that is just what I have done. They bought this debt for pennies on the dollar and that does not give them the right to try and bully me into paying them, which I am not. I would like you to reach out to them because this company is breaking the law in the State of Maryland by trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX Bank Of America bought my ( XXXX ) mortgages from Country Wide Home loan. Prior to this point in my life I had a great credit history. My score was a XXXX and I had numerous credit accounts and equity in properties. Bank of America took over my ( XXXX ) mortgages on XXXX XXXX, XXXX first payment to Bank of America. As of XXXX XXXX, XXXX ( 6 ) months later, they had My ( XXXX ) mortgages ( 9 ) months delinquent. XXXX consecutive, on XXXX XXXX on another, And XXXX on the XXXX. All of these payments were made on time, I have the proof. Receipts and checks they cashed. My credit score went from a XXXX to a XXXX and I lost all my credit accounts. I am a vet that owns a small XXXX, this was devastating to my lively hood and business. For the past 6 years I have been trying to recover from this XXXX error From Bank of America. I tried to refinance in XXXX but Bank of America had ( XXXX ) delinquencies on my accounts a XXXX credit score and nobody would even consider me. Since then I had to modify my house mortgage to get it out of foreclosure, They added over {$120000.00} to my mortgage and have to pay on it for 40 years XXXX. My investment, retirement property I owed {$62000.00} on in XXXX would have been paid off by XXXX. Now this is in foreclosure and going to be sold and the balance is {$150000.00}. After the modification of my house last year I built my credit score back up to a XXXX in the begin of XXXX. Then what a surprise Bank of America reports I am 3months 90 days delinquent on my mortgage. XXXX XXXX, XXXX XXXX, XXXX XXXX. Bank of America denied they made any reports to the credit bureau. My credit dropped back down to a XXXX. This is listed at the top of my report ( 90 days past due as of XXXX ). I just noticed Bank of America is checking my credit score monthly. This makes it clear to me that they are deliberately making these false reports to knock my credit score back down. I am currently trying to refinance my investment property ( For double what I owed on it ) to keep it from going to foreclosure sale. With a XXXX credit score this is nearly impossible, plus Bank of America constantly recording false delinquencies to the credit bureau. Consumer Financial Protection Bureau Director XXXX XXXX, states consumers should not be collateral damages in the mortgage transfer process. Mortgage companies have a legal obligation to protect comsumers during loan transfer between mortgage servicers. I have been paying for this transfer since XXXX when it was transferred. I will be paying for it for the rest of my life! This company is disgusting!!!!

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 2016-05-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America decided they wanted to make money off of my banking account as soon as I was hired at a full-time job, so they started charging me a monthly {$3.00} service fee for what they call 'check images ' attached to my monthly bank statement. This service has absolutely no value to me. BOA is just exploiting consumers by providing a service without prior consumer authorization. Even worse, is the fact that in order to stop this 'service, ' BOA wastes citizens valuable time trying to contact them. 

They did send some paperwork saying that account holders could decline, but there is no way to do this without spending an inordinate amount of time either waiting for phone service, or having to meet with someone at a branch. Also, there is no easy way to find an address where one can write to this bank to quickly resolve something like this. 

I have tried three times to cancel this 'service ' -- two times on the telephone, and another time I asked the bank branch greeter to provide me with an address where I can send a letter, but he could not give me one without turning my request into a long research project. 

I am asking your help to get all of the {$3.00} charges reversed so I get all my money back since they started this in XXXX 2015. Additionally, as you can guess, I want this monthly 'service ' and the unnecessary charges stopped since the images are of no value to me. What they are providing is just XXXX 'check ' image that BOA creates to go along with my phone/internet payment on my Target bill -- it is n't a 'real check ' at all. Their image is useless because when one pays a bill over the phone or on the internet, customers are given a confirmation number. This BOA practice exploits account-holders. I have categorized this complaint as an unauthorized withdrawal within your category ' Deposits and withdrawals ' since you do n't have a category for 'service charges. '

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 2015-09-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX/XXXX/15 I applied for a home equity line of credit ( " HELOC '' ) online from Bank of America ( " BofA '' ). The following week I received a telephone call from BofA regarding my HELOC application. One of the questions asked by the BofA employee was " do you have have any other loan requests pending ''. I answered truthfully, which was yes I had applied for an identical HELOC from XXXX XXXX a day after I applied to BofA. BofA informed me that they would NOT continue with my HELOC application until I provided them a letter from XXXX XXXX indicating that I had withdrawn my HELOC application from XXXX XXXX. I indicated to BofA that I was willing to withdraw my application from XXXX XXXX but only after I had received a loan commitment from BofA. BofA has unwilling to do this and canceled my application. BofA did this despite me being a 20 yr customer ( premier status ) with existing checking, savings and HSA accounts at BofA and a XXXX credit score. This practice by BofA is anti-consumer. It limits shopping for competitive rates and terms. It forces you to either shop for a loan sequentially versus in parallel, which is time consuming at best, lie to BofA during the application process, or find another lender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: CA

Complaint narrative:
Loan has been transferred to several different servicers, most recently Navient. When it was first transferred, the Navient representative told me that should I encounter financial hardship, I was eligible for unlimited forebearance. Not only was the forebearance limited ( 24 months, I think ), but a forbearance due to unemployment was only limited for 6 months, giving me no time to recover financially once I did find a job. I 've been trying for several months now to reach a human being at Navient to try to renegotiate my excruciatingly high monthly payments, but thanks to their automated phone system, reaching a human is near impossible. While applying for a different plan online is possible, the language is confusing and I need clarification, as I 'm afraid if I apply I 'll get stuck in a situation even worse than the one I 'm in now ( where my monthly payment is almost 25 % of my post-tax income ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX after several repeated attempts for loan modification were denied. On XX/XX/XXXX Owen Loan Serving filed a notice of post-petition mortgage fees, expenses and charges with the bankruptcy court to recover legal costs incurred after I filed for bankruptcy. I have been making payments to the trustee 's office for my mortgage payments since XX/XX/XXXX. However, Ocwen servicing loan ( Mortgage lender ) never filed a proof of claim. I had to incur an additional expense to pay bankruptcy lawyer to file proof of claim on my behalf. I am attempting to get my XXXX Tax Forms and was told I wo n't be receiving one because there were no payments made in XX/XX/XXXX. The trustee was holding on to the money to allow Ocwen time to file claim which never happened forcing me to file a proof of claim via my attorney in which I incurred an additional fee. 
On XX/XX/XXXX a payment of {$16000.00} was made to Ocwen by my trustee however, Ocwen states they did not receive payment until XX/XX/XXXX and therefore I will not receive a XXXX for XX/XX/XXXX. Did I mention Ocwen file a {$400.00} claim, which is to be paid through my bankruptcy plan as fees they are recouping/charging to " review '' my bankruptcy plan which in turns increases my bankruptcy payment amount?, Ocwen responded with a letter that states nothing but facts regarding the case. No one has explained to me why a proof of claim was never filed by Ocwen. Can someone please explain why a proof of claim was never filed by Ocwen causing me to file on their behalf? Also can someone please explain why the payment of {$16000.00} made to Ocwen on XX/XX/XXXX was not receiving until XX/XX/XXXX. 
I, XXXX had to file the proof of claim on my own behalf via my attorney which is attached as Ocwen did not file a proof of claim. Had Ocwen done its job of filing a proof of claim via their local lawyer then I would not be in this situation at all. A notice of post-petition is NOT the same thing as a proof of claim. Can you provide reason for not filing proof of claim in a timely manner? Can you also provide a reason for not receiving payment until XX/XX/XXXX when payments were made on XX/XX/XXXX. See attachments. As a result of Ocwen 's negligence in filing proof of claim ; it caused trustee to hold on the payments while simultaneously allowing your Ocwen 's local lawyer to time to file claim. It also resulted in having to file the claim myself which is not in my fault and therefore I should be punished for Ocwen 's local lawyer 's negligence in filing a proof of claim. Previous response does not answer my questions. It only states facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My latest statement from Bank of America for a XXXX balance total was {$4500.00}. The due date was XXXX XXXX, 2016. I paid this amount in full on XXXX XXXX, 2016. Then received a new statement stating that I owe {$32.00}. I do not understand, nor do I agree to this practice. It is completely non-transparent to the consumer. When you receive a bill stating total due and you pay that total prior to the due date, that should be it. Done. Instead, credit card companies send you another bill. Why is this allowed? I contacted customer service, spoke with XXXX today, and she said they could credit me {$16.00}, meet me half-way. but I would still need to pay the {$32.00} in XXXX and then on my XXXX statement I would see the {$16.00} credit. I intend to close my account so how will I receive the credit of {$16.00}? It 's stupid. And essentially she said that my credit score is affected if I do n't pay. I paid my bill in full as required via the statement they calculated and presented to me and I did it prior to the due date they provided me Nice. The same thing is happening on my XXXX XXXX credit card account. 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 2015-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Platinum Holdings Group, LLC
State: IL

Complaint narrative:
Caller, XXXX XXXX, left message with a threatening tone for XXXX. He suggested we have our attorney return his call. My husband returned his call and informed XXXX that he divorced XXXX more than 15 years ago. My husband also requested XXXX to stop calling us. XXXX was relentless and said since XXXX and my husband have kids together, he should tell the kids to inform their mother to get back to him. The conversation escalated to the point where my husband asked XXXX, " Are you threatening me? I know several policeman who can deal with you ''! - to which XXXX quickly hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SUN TRUST Bank refuses to grant my loan request ( Reference ID XXXX ) because " After reviewing your application, we regret that we are unable to approve your request based on the following reason : Unable to obtain credit report from consumer reporting agency XXXX. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TrueAccord Corp.
State: HI

Complaint narrative:
Recieved an email from Trueaccord.corp stating that I owe a debt of {$180.00} I do not know of this company and I do not recall doing any kind of business with Trueaccord.corp

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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:
I contacted navient to to inquire about being able to lower my payment since I also have several'other student loans in repayment. They refuse to help me and say there is nothing they can do. Even after I tell them how much student loan debt I have they still state they can not help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: TX

Complaint narrative:
Loan was opened in XX/XX/2005 for the amount of {$XXXX}. Monthly payments were supposed to be around {$XXXX} for 10 years with an interest rate of XXXX %. Part way through the loan XXXX XXXX became Navient. According to Navient I still owe XXXX} on this loan after making payments for 12 years. Even though this is not logically possible, Navient continues to charge me and will not review or correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 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: NY

Complaint narrative:
I took out a loan with XXXX who then sold to Navient so I can pay going to school in XXXX University XXXX, NY. I tried asking Navient to help as I am not working right now and lower monthly payment to where someone else can help me pay for it and they said no. There is nothing they can go and I have to pay 480.00 a month and thats it. Combined income for XXXX people is XXXX how am I suppose to pay for student loans. They say federal government are the ones that help out with the loans if you make lower than a certain about not private loans but yet you ca n't file bankruptcy with private loans if they are considered to be like taking out a private loan from the bank. Bank loans you can claim in bankruptcy then why not private student loans. XXXX and Navient are the worse companies to deal with they provide no help with private loans what so ever!!! I guess thats why americans have horrible credit scores wo n't even give people a chance to advance with the means they have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17 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:
After going through a two week process to clear my name with Bank of America, I decided to bring my other company over as well. After opening XXXX accounts, I went to fund them only for them to be shutdown due to the internal issue which I thought was resolved. They put all XXXX on pending close. When I called I found out the tax ID for my LLC has been attached to the internal file to be blocked. The same internal file that was overridden for my personal accounts and my corporate account which is currently in good standing. I have a merchant account and XXXX business checking accounts for my corporation and this issue should not be happening.

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 2016-02-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is in connection with Case number : XXXX. I could not find any where to supplement my initial complaint. On XXXX/XXXX/XXXX I was contacted by B of A representative XXXX XXXX. I explained the deceptive nature of the Signature Card promotion. I asked XXXX XXXX why B of A did not disclose that by applying for the Signature Card, I was also applying for the junk Platinum card. She told me that I had not applied for the Platinum card, but that B of A had given it to me anyway, because it did not want to give me the Signature Card. This is even worse, because B of A admits that it sent me a credit card that I had not asked for, and it arrived with a {$50.00} charge already on the account before I even activated the card. Also, B of A reported this card on my credit report, despite the fact that I had never applied for, or activated the card. 

Since B of A now admits that I did not apply for this card, it violated 15 USC 1642 by sending me the card, for which it charged me {$50.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have outstanding student loans through Navient in the amount of $ XXXX My husband and I are attempting to pay down the amount, our monthly payment is XXXX and we have been paying an extra {$400.00} each month to help lower the principle. We follow the payment instructions given by Navient by including a separate payment instruction telling them to not advance our payment date and that {$200.00}. go to each of the XXXX loans principles. Instead Navient pays extra to the interest and advances our loan date. We have contacted them several times by phone and they have fixed it several times but continue with the problem. 
We feel like we are spinning our wheels ' we have read on how many student loans are being defaulted on and we are trying our best to do right. How can we get help with this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My condo lost XXXX of its value after 2008 and I now owe more than it is worth. 
I was happy to hear about HARP, only to learn that because my mortgage did not involve XXXX or XXXX XXXX I could not qualify. 
Is this right, and is it fair?

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: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have made numerous complaints to Navient about how they handle my payments. I have overpaid every time that I make a payment and request that the remainder of my payment be applied to the principal, but a representative from Navient has told me that they would not do that, and it would instead be put toward my next payment. I want to pay my loan off early and not pay all of the interest that it seems the company is trying to force me to pay by not applying the remainder to my principal like I have requested. This is an extremely unethical practice, and I believe that if it is not illegal, it should be.

Company response to consumer: Closed with explanation