vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I graduated college XX/XX/2010 and my loans were through XXXX, shortly after my loans transferred and serviced with Navient. At the time, with the struggling economy, I was n't able to pay on my student loans and when I contacted Navient they pushed for forebearance ( instead of cheaper payment options ). Flash forward XXXX years later and the loan I once owed XXXX on is now XXXX! ... and these are government loans " the better ones ''. My interest rate on these loans is 6.8 % ( subsidized and unsubsidized ) ... I 'd be lucky to get that return in a retirement fund ( which is also why I have n't been saving for retirement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: Colony Brands, Inc.
State: MD

Complaint narrative:
I was called by Monroe and Main credit department at XXXX! They left a voicemail on my cell phone for a {$40.00} payment that was past due by a few days!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 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: AZ

Complaint narrative:
Numerous phone calls ( early morning thru late evening ). Caller ID says XXXX service ; numbers have been blocked ; but they still call. I do n't answer - do n't know " them '', did n't ask then to call me, assume its scammers. This has been going on for 18 months. Local phone provider says " Oh, too bad, not our problem. " Today I reluctantly called them ( after being called at XXXX last night ) and told them to leave me alone. They are : Pioneer Credit Recovery, IncXXXX I read the riot act to someone claiming to be XXXX XXXX. I asked what scam they are running. Please investigate these people and their " debt collection '' techniques.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America, N.A., or whatever it is calling itself today or whichever offshore subsidiary may be involved charged off a 2nd lien on XXXX XXXX, 2008, yet it remains attached to the property in question. Any and all efforts to settle the matter are being met with deaf ears. # 1 - Did n't Bank of America receive TARP funds to assist homeowners? Were TARP funds applied to this account in question? 
# 2 - Why can a XXXX firm ( hedge fund ) easily buy the " debt '' from them yet a principal, such as myself, trying to do the same is met with roadblocks? 
# 3 - Has this matter been properly reported to the IRS? 
# 4 - Is Bank of America merely leading the front to keep the general population in a state of involuntary servitude as debt XXXX? Last I checked XXXX was illegal in the Constitution. 
# 5 - There has got to be a remedy available.

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 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I received a call from Bank of America in XXXX 2014 that they suspected a checking account was being opened in my name fraudulently. I confirmed that yes, it was fraud and that I had not opened any accounts with them. I then contacted all credit bureaus, the FTC and filed a policy report for identity theft. The credit bureau reports confirm identify theft and removed the information from my credit report. I assumed that I took all necessary steps to correct this issue, but this week as trying to open an account with my credit union, they ran a XXXX report and it indicated that Bank of America charged off {$1900.00} in my name and upon calling Bank of America to have this removed, they are now telling me that they have no record of any of this 2 years ago and that it is going to take 30 days for them to complete the investigation. # XXXX, if they called me and removed it from my credit, why do n't they have record of it and # XXXX, I do n't have 30 days for them to complete this for me, as my lease is up on XXXX. I need them to find the information from XXXX and at least provide an email or statement to provide to the bank and they are unwilling to do any of this. Even after I offered to provide them the XXXX Report finding, FTC reference number and police report. I did go ahead and file a dispute with XXXX individually, but they also indicated it could take up to XXXX days.

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 2015-05-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear Sir/Madame, During period of XXXX to XXXX, I had an account with Bank Of America ( BOA ) and also had an associated Credit card with them. I have been very disciplined with my financial affairs to date and never had any history of even late payments towards any bills. I left XXXX for good in XXXX, to my home country as my working visa got expired. Also I closed my BOA accounts in XXXX XXXX. 

As per my understanding, the associated credit card also would have got closed.There was absolutely no indication from the bank that the Credit card needed to be closed separately and that it does not go along with closure of my main bank accounts. However, it looks like it did not happened. 
An auto renewal cost from XXXX got applied to my credit card on XXXX XXXX which was quite unexpected since i had already sent in a request for closing the account with XXXX and received an email from them clearly stating that it had been closed way back in XXXX XXXX. 
Worst case being that i was unaware of this charge to my credit card since, the credit card statement was NOT Paperless and all intimation regarding the pending payment could not reach me, as I was out XXXX. Also, as my account was closed, I was not in a position to check the account status online. 

Now, I came back to XXXX on XXXX XXXX and opened up new Account with BOA. To my surprise, I see that there is a pending credit card payment of {$340.00} charged on me - towards Annual Payment charges and late fees. 

My contention is that, these charges being baseless and also, there was NO way I would have been aware of them, I am in no way to be considered as a " defaulter ''. Furthermore, there was no communication through email about any of these charges. Now, it has effected my credit report also very badly leaving me in no position to apply for a credit card or any other financial services from any bank for absolutely no discrepancy from my side. 

Talked couple of times with BOA Credit department, but as per them they could not help me in the matter.In the context I would like to seek following help from your end : 1 ] Reverse the pending charges and payments, for the reasons stated above and hence am not liable for the issue. 
2 ] My Credit Report needs to be refreshed by withdrawal of reported " default payments ''. 

Thanking You, Yours Sincerely XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I have had to contact bank of America probably 10+ times now and no one there seems to be able to fix my problem. I should have been awarded a {$100.00} checking account bonus over 2 months ago and I have already been told I have met all the requirements. 
The next months monthly fee is going to take place on XX/XX/XXXX and I will not pay this so please give me the {$100.00} so I can close my account. Such a frustrating experience.

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 2017-01-20 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:
many times i have called navient with help with my loans. the monthly amounts are overbearing and they 've basically told me every time there is nkthing they can do to lower my amount. they have told me that there is no way to release my consigner when i asked if that would help lower payments. they have talked me into forbearance twice and i agreeed because i just simply could not afford to pay. i have been told before that my payments are not going to the balance of the loan that it says it is either. i am paying hundreds of dollars to never see a decrease in my balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
In XXXX 2015 I reviewed my credit report from the XXXX credit agencies and found inconsistencies regarding medical debts. I wrote letters ( attached ) and Central Financial Control responded with inaccurate information. I am requesting assistance for Central Financial Control to validate these debts. I asked for information and it was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 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: NV

Complaint narrative:
First, XXXX did not disclose options for student loans. We were told that the only way to go to the school was by means of using Sallie Mae Loans. We were also told that the loan amounts were a different number than what the lenders are saying. The interior design department closed right after my graduation in 2008 and then the entire school shortly after that. Sallie Mae has charged huge interest fees, pulled loans out of deferment and forbearance months early and reported fraudulently to the credit bureaus that the payments were late. Both Sallie Mae and XXXX are reporting inaccurate information on my credit report in terms of lates, balances and charge offs. They are refusing to cooperate by sending over the required documentation such as signatures as evidence of exact loan dollar amounts and balances owed. They also did not mark my account as disputed within the 30 days of writing to them regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: AZ

Complaint narrative:
I was recently charged an extensive amount of Overdraft fees in the amount of {$100.00} and a monthly maintenance fee of {$12.00}, totalling {$120.00} in fees added to my checking account above. 

My account was originally overdrawn by Bank of America on XXXX/XXXX/16 in the amount of {$12.00} for a monthly maintenance fee. Then subsequently you they allowed XXXX to charge to my account rather than declining it an additional XXXX on XXXX and XXXX on XXXX ( Resulting in additional overdraft fees totaling {$100.00} ). I was not aware of XXXX charging this amount to my account for a onetime credit report we pulled and have since cancelled and you will see a credit of XXXX on XXXX and still pending a credit from them for 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 monetary relief
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A company by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has made XXXX attempts at collecting a debt related to an overdrawn checking account from BANK OF AMERICA. After my initial letter vehemently disputing the account/debt relation to me, they interpreted this as my agreement to it and chose to move on with their " repayment program ''. 

I will appreciate input as to what my options are for an escalated response and defense from this rather irresponsible company and its unacceptable set of tactics.

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 2017-02-11 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: TX

Complaint narrative:
I am disputing the terms, balance, and amount owed on my Navient student loan account. It appears they may have front loaded interest payments. Creating a problem for my principal to be reduced each month I 've been making payments. Loan seems to her higher each month instead of going down.it appears they 've shifted loan interest instead of principal. These a ruins were willful, intentional, and taken in bad faith. I am asking for accurate verification of debit, balance, interest and principal due on my loans. I 've been making payments on the loan for over 10 years with no change in principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/15 I signed a contract with XXXX to rent a car through XXXX/XXXX/15. Due to XXXX bad service and after my complaint, their manager XXXX XXXX agreed to charge me for a total amount of {$120.00} as a good will gesture ( see contract and XXXX business card attached ). I paid for the transaction using my Bank of America VISA card. On XXXX/XXXX/15 I returned the car to XXXX in accordance of the contract. On XXXX/XXXX/15 I was surprised to find out Bank of America VISA showed a charge of {$150.00} from XXXX and so I disputed it. In response to my dispute Bank of America issued me a temporary credit of {$31.00} representing the difference between {$150.00} and {$120.00} on XXXX/XXXX/15. Subsequently on XXXX/XXXX/15 Bank of America informed me that XXXX initiated a claim for {$31.00} and asked me to provide evidence to support my dispute. Next day on XXXX/XXXX/15 I provided Bank of America Credit Card Claims department attachment copies of my contract with XXXX as well as my email to XXXX manager XXXX ( see attachment ). In response to the attachments I sent, I received an email on XXXX/XXXX/15 from XXXX XXXX, Resolution Specialist, Bank of America , XXXX Customer Care Resolution stating quote " I am your dedicated point of contact until this matter is resolved. '' unquote. However on XXXX/XXXX/15 Bank of America rebilled my account for {$31.00} citing quote " You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount '' unquote. From XXXX/XXXX/15 up to yesterday I sent a number of emails to Bank of America asking them to explain to me what happened to the attachments I sent them to support my dispute and they kept on saying I can call their XXXX ( toll free ) or XXXX ( collect call ) numbers for help. I told them I am not in the US now and I do n't have a land line to make collect calls either. I suggested they call me instead but they refused. The copy of my XXXX receipt, which was signed by me and their manager XXXX, clearly shows that the total amount agreed upon is {$120.00}. I am getting no where with Bank of America and so I decided to file this complaint with you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10 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: CA

Complaint narrative:
When I filed my XXXX Tax refunds direct deposit for IRS ( Federal ) and California Franchise Tax Board ( State ), I omitted the last XXXX digits of my bank account number. The bank involved is Bank of America ( BoA ). I contacted the IRS and BoA immediately after I noticed this problem but the bank is irresponsible and refuses to take any action even though they received my detailed notice and also the request from IRS. 
I informed the bank about my problem on XXXX XXXX, XXXX and notified IRS and California Franchise Tax Board on XXXX XXXX, XXXX. The bank representatives confirmed me that both deposit transaction slips ( for my tax refunds ) have my names on them and the amount matches with my tax refund amount. However to my big surprise, my tax refunds went into another person 's account with a complete different name. The bank should have rejected these XXXX transactions. The internal control of the bank is so bad that it does not review any transactions and refuses to correct the error even though they are informed about the problem. 
IRS sent out their request to retrieve back the incorrect deposited tax refunds on XXXX XXXX, XXXX through the XXXX XXXX XXXX XXXX XXXX by FAX, and the bank should have received the request immediately. However from XXXX XXXX to XXXX XXXX, BoA keeps telling me that they have not received any request from IRS and therefore refuses to take any actions to correct the error. On XXXX XXXX, XXXX, I was imformed by BoA that the bank did receive the IRS request on XXXX XXXX, which is totally contradictory to what the bank told me earlier. BoA told me there is insufficient funds left on that person 's account which received my Tax money. Therefore the bank can not fulfill the fund retrieving request from IRS. BoA should be responsible for this loss. 
I think that the BoA has a very bad internal control system. In addition, when I notified the bank about this urgent problem, the bank refused to take any actions and gave me misleading advice to just wait. This is dereliction of duty of the bank. It is really unfair. As a bank customer I feel very angry, and I want to take my money back.

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 2017-03-09 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: TX

Complaint narrative:
I have XXXX loans that were technically illegally given at the time i started school but the school somehow managed to push the loan the following year so it would look accurate. XXXX/Navient is reporting a 90 day late and with the payment history i have requested, my loans have always either been deferred or in a current status. This status is showing reported back in XX/XX/2012 on all XXXX Bureaus and they wont update the status nor will the credit Bureaus updated it with proof that there is no 90 day late. Please help me with getting this updated to having this negative remark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a complaint with the practices of Bank of America Home Loan Department. 
I applied for a home equity line of credit and was approved on XXXX XXXX. My home is sitting on XXXX acres of property. I have XXXX other building structures on the property. At the time of application, there was no requirement from the bank to have flood insurance on my property. After submitting all the requirements, they approved my application. Then I received a letter from the bank dated XXXX XXXX, requiring me to purchase flood insurance for my home. I have called the bank several times to resolve the issue but to no avail. I called XXXX regarding the change in the zoning of my property. XXXX informed me that the changed happened in XXXX XXXX. 
Now my property is considered in a flood zone. My question was why was I not required by the bank then to have flood insurance on my property. Did they not do enough research on my property? I have tried many calls to the bank to resolve this issue but to no avail. I could not cancel the contract until three years or else pay {$1200.00}. So I just bought flood insurance to resolve the issue. 

Then a letter from the bank dated XXXX XXXX stated that I have to buy flood insurance for XXXX other structures on the property. Now my issue with them is why now. These structures all existed prior to the initial application of the loan. 
I just feel that whoever made the first assessment did not do their job properly. 
During XXXX of my conversations with customer service, they said that it is not required to insure a building if there is no bathroom or kitchen. I explained to them that XXXX is constructed as a pole barn without bathroom or kitchen. I suggested that they should send someone to reassess the property. I felt that they were just basing their assessment via satellite pictures. 

On XXXX XXXX, I received a bill from Bank of America for {$490.00} for flood insurance for the barn and another structure. 

Hence I am writing this complaint. First, I felt that I should have been allowed to cancel my contract without penalty during the initial application. Or allow me to cancel it now without any penalty. Next, charging me for insurance on a building that does not need XXXX is uncalled for. And if I do n't pay the bill while I wait for a resolution, I will be charged interest daily. 

I hope writing me this letter will give me some resolution. 
Thank you.

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