vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-19 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: CL Holdings LLC
State: MN

Complaint narrative:
I have an account showing on my credit report with XXXX. I call XXXX and was told they sold my account to Jefferson Capital Systems , LLC, located in XXXX MN XXXX. Jefferson is not the one reporting this account on my credit report however they are the ones that have this debt in their possession. Unless you have limitless amounts of time to sit on hold you get no answer to the phone calls. I have called XXXX times today alone and sat on hold for over a half hour. I have tried to call during CST time as I am in the same time zone. called them at XXXX in the afternoon and their office was closed. 
I would like to get my debt paid and off my credit report however I have no way of getting it. Website they provide does n't have any contact information other than the email address which they stated they will not provide me with information. 

How does a consumer pay off their debt when they make it impossible to get the statement to do so? 

I have to take time off of work to call these folks and try and get some sort of resolution I want to get this debt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: CA

Complaint narrative:
For over 60 days Pioneer Credit, XXXX, has been calling my cell phone asking for a person named XXXX. I am not XXXX. I am a man. I have repeatedly asked them not to call my cell phone and that I am not XXXX. They then have told me they are attempting to collect a date in XXXX XXXX 's name. I do not believe they are even allowed to tell me someone 's first & last name, are they? In addition, their phone calls have not ceased. I would like to file a formal complaint against this company. If I ever had a collection I would not want a company calling random people telling everyone I had a collection. Is n't this personal information and why wo n't they stop calling me?

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 2015-04-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Reciving calls from XXXX, a company stating they are collecting a debt on behalf of MBNA. A credit card I paid and closed 15 years ago. MBNA is no longer in business and is not reported on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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:
My husband and I received a total of XXXX letters from Bank of America stating : " Your personal Checking/Savings acount ending in XXXX will be restricted in 21 days, and closed 30 days from the date of this notice. 

After careful review of your banking relationship, we 've made the decision to close your account above. We 're notifying you in advance so that you have an opportunity to make other banking arrangements. We apologize for any inconvenience this may cause. '' The letters go on to list 'What I need to do and What you need to know. ' It is dated XXXX XXXX, 2016 and I received it today, XXXX XXXX, 2016. It has a XXXX ID # and a phone number I can call with questions. The phone number is XXXX Monday through Friday from XXXX to XXXX Eastern. 

By the time I got the letter and called the number they were closed but allowed me to leave a detailed message and stated that they would not be able to tell me why my accounts are being closed and would not reconsider their decision. My husband had called earlier in the day when they should have been open and got the same recorded message I got. The message stated they would call us back. 

I have been a good and loyal customer of Bank of America for decades. I have a good amount of money ( preferred platinum customer ) in the bank, have a mortgage through the bank, and absolutely can not think of anything my husband or I have done wrong. I ca n't figure out what we could have possibly done for them to give us two weeks notice that our accounts are being closed. I 'm creeped out that they have come to some unknown conclusion about me that is so bad that they are severing our banking relationship. I have no way to defend myself. Please help me. I do n't know what else to do. 

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
Consumer complaint received 2017-01-31 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: PA

Complaint narrative:
I have tried multiple times to work out a satisfactory arrangement for payments with Navient to prevent XXXX of my student loans from going in to collections. When I first took out these loans myself, I was not adequately informed nor understood all the terms, except the XXXX XXXX telling me to sign so I could start school. 

No matter how many options or managers or customer service staff I have talked to from Navient, they were not able to get me in to a program or lower my payment so I could afford it after a drop in income, they even went as far as telling me to borrow money from friends, or even more money from my parents to pay them. Even suggesting I use credit cards for the payments, which would only serve to push me further In to debt and make it harder for me to overcome it, going further in to debt to pay a debt is not a sensible or acceptable answer to a customer, or for a creditor to even suggest. 

I now have XXXX loan in default/charge off and another heading there, Navient has been completely unhelpful, has refused to work with me to a satisfactory conclusion for BOTH parties, not just them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: PA

Complaint narrative:
I have been dealing with an agent for a company called Primary Residential Mortgage and she has been giving me different and wrong information for months now. today she accused me of going behind her back and saying false things and told me that I need to be a man, that she does n't do business like that and that " she will not do anything for my loan and that ii could kiss my loan goodbye ''. I have been misinformed on numerous issues during my loan process and have been treated less than fair.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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: MA

Complaint narrative:
I have been cheated into higher payments due to blatant disregard and the criminal activities of XXXX and subsidiary company, Navient Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I currently have a case # XXXX if you look at this you 'll find that Bank of America is still charging a PMI on my mortgage even though I been into this mortgage going on XXXX years. I will go over this again. I purchased my home in XX/XX/XXXX I 've never been late or missed any payments. In XX/XX/XXXX I refinanced my mortgage using the same lending company as used to create the original mortgage. The cost for the home when I purchased it was {$180000.00} and I put XXXX % as a down payment. I now owe approximately {$130000.00} When I refinance it was HARP because my home is under water. My problem is Bank of America wo n't dropped the PMI because of my refinancing in XX/XX/XXXX, nor will they tell me what amount the mortgage has to be to eliminate the PMI. Bank of America wants me to pay for a home appraisal. Please tell me, am I being penalize for refinancing using HARP which is intended to help consumers like me. I 've read your bulletin about this several times and I ca n't see how this is legal. My email address is 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 2017-02-07 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: OH

Complaint narrative:
My student loans are with Navient I applied to have payments reduced via some sort of repayment plan back in XX/XX/XXXX ... I later found out that all my loans were reporting separately as individual loans even though I had consolidated them years ago while they were under XXXX I called navient and I was told to do a request to have them consolidated again so that they report at XXXX loan instead of XXXX separate loans ... so I did ... then areond XX/XX/XXXX I received a letter about my repayment request saying I did n't turn documents in which I did and then I called and the rep located them and said she was forwarding them over. A few weeks later I received a letter saying I had a payment due XX/XX/XXXX even though my loans were in defferment until XX/XX/XXXX. I called and was told the loans were paid off because of the consolidation but my application for repayment plan was still being processed and there was nothing I needed to do .... now weeks later the loans are still reporting to the credit bureaus as XXXX individual loans and as personal loans ( even though they are student loans and were previous reported as such ) but on navients site they show as XXXX lump some with XXXX payment ... I also have not received anything further regarding my repayment options or application .... this has been the worst process ever and I have been patient yet getting no where with them..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I applied for a loan with Bank of America XXXX to refinance my home. The XXXX application was denied on the phone because my credit score was not high enough. I asked for a letter stating that I was denied and never received it. As 3 weeks went I was finally able to get a name of a supervisor via online chat. I called him and I was told the loan never went to underwriting, therefore they were unable to generate a letter. I was told the I had to do XXXX application so I applied for a loan again on XXXX/XXXX/2016 with Bank of America and the same thing happened again. Two months later and I have not made any progress towards receiving a letter saying, '' Our bank can not help you ''. My house is going into FORECLOSURE because I ca n't get an official letter from the bank saying the loan was denied. Why am I being treated unfairly? Is this how Bank of America is allowed to operate? Is there a different set of rules that they can choose to use since they are such a huge company. I understand that being denied the loan would not make the bank any money, but can I simply get a denial letter so that I can move on and get an extension on my 2nd mortgage that has matured. PLEASE, CAN SOMEONE HELP ME SAVE MY PROPERTY!

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 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is not a complaint against the bank per se, it 's more a complaint about your regulation for this particular type of transaction. My friend was in desperate need of money and he asked me to deposit {$60.00} into his B of A account. When I presented B of A with {$60.00} in cash, they insisted on seeing my driver 's license and recorded my number in their system. They claimed this is a regulation from the Federal Government. I think this is absolutely ridiculous. Depositing {$60.00} in cash and recording that information serves XXXX purpose other than just more paperwork, and more useless paper-trailing and XXXX XXXX tracking. You 're not stopping any XXXX activity nor catching any XXXX by having them monitor a {$60.00} cash deposit. I would understand maybe if you had some kind of threshold maybe of {$1000.00} or something but me lending my friend a few bucks is no ones business. I like the idea of the CFPB, but your XXXX regulations like this make me want to side with some Republicans and get rid of your department.

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 2015-06-17 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: IA

Complaint narrative:
I have been making payments on a defaulted Private studen loan owned by Navient former XXXX XXXX, beginning XXXX 2013, in hopes to rebuild my credit. I was a XXXX XXXX student and have learned of their predatory charges as well not to long ago. Recently I reviewed my credit report and notice that the payments I have made were still being noted as Charged-Off ( CO ). I have tried to contact the debt collector, XXXX XXXX XXXX ( XXXX ) and was told they are suppose to note it as payments being made. I then contacted Navient, with a few run around, i was later told the only way it will no longer be noted as CO was if i paid the balance in full of XXXX. I 've contacted the credit bureau, XXXX, to get some insight and in hopes if the situation was disputable with no avail. Nearly after XXXX years of paying on time every month through their debt department of XXXX, my account is still in default until the balance is paid off in full. Once you 're in default, there is no way out, you 're stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was in the process of getting a loan on a piece of property for investment purposes. I was approved by Bank of America for a 15 year loan of {$70000.00} and a rate of 4 %. After the appraisal I was instructed by Bank of America to do repairs to the exterior deck railings before we could close. I proceeded to repair the railings at the cost of {$750.00} labor and material. After completing the rails I was informed by Bank of America, according to their underwriter, that I needed to get a road maintenance aggreement form signed by all of the property owners that had a building on the entrance to the property. I own the property adjacent to the property we are trying to purchase. The owner of the warehouses south of the property refused to sign the aggreement stating it would decrease the current value of his property. to date I have spent {$750.00} for the survey, {$650.00} for the appraisal and {$15.00} for the credit reference. At this point nothing has happened and the loan is in limbo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I spoke with someone in XXXX regarding my private student loan through navient. She was very rude and was not helpful at all. I attempted to correspond through mail and asked that they stop the phone calls and contact me by mail. They have continued to call me, sometimes XXXX times a day, and have told me they ca n't correspond by mail. I spoke with someone in XXXX and again that was not productive. He was again rude and threatening. I just spoke with someone who was again rude and threatening. I am tired of being harassed when i have been corresponding with their company. I have requested documentation in terms of the loan in question and they only sent me half of it and i was told they ca n't send the rest i have to find it online. They have now begun calling anyone that may be associated with me, including my brothers mother in law, who has no part of this situation at all. Even after my mother asked them to stop calling this is being handled through the mail, they continue to call repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: FL

Complaint narrative:
I have been paying my student loan for years now and it has not changed in balance. This is the amount they asked me to pay. 
Why is this happening?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
After my NC foreclosure funds ran out I called BOA for assistance. After XXXX missed payments I was told that I would need to fill out some paper work. I couldnt find XXXX for a few months, boa told me he was dead of course he wasnt. I missed XXXX payments, found husband, sent papers in, kept getting letters saying they were working on it. paid them XXXX payments XXXX and BOA tells me my payments were going to be XXXX, I asked counselor where did they get the numbers to work with to determine this was to be my amount. No answer..I fell at work XX/XX/XXXX on XXXX XXXX. I told counselor I could not make those high payments, she said you can modify 2 times in 5 years. XXXX sent to me again, questions were to be answered by signer was not told that so I sent in my information. counselor called she said we need for me and XXXX to write hardship letters and each sign the other ones papers. Again I asked what financials were used to get this amount, they used XXXX income from XXXX, when he was making XXXX a hour, for the last 3 years XXXX has been in WV, he said in XXXX he made less than XXXX, XXXX he got less than XXXX he did not file, his employers said they mailed them and then business was gone. XX/XX/XXXX he stated he started at a XXXX XXXX and has worked 4 weeks at XXXX a hour. 
I have called various banks and mortgage lenders and they state they get credit score and tax papers for doing a modification, not financials from 9 years ago. Im back down to losing my home again, i was told also to check into HAMP. I am so sick of playing cat and mouse with this bank. I was seriously injured on my job, no medical offered at that point, retained PI lawyer, they wont return phone calls, he has to file with State of NC for them not returning his calls in regard to my injuries looked at. BOA is stressing me out. I know BOA is the worse bank to deal with especially using old information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-24 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: SC

Complaint narrative:
Chapter XXXX bankruptcy was filed in XXXX XXXX. Navient was one of several creditors notified of the filing. On XXXX XXXX, Navient reported to the XXXX major credit bureaus, XXXX, XXXX, and XXXX from XXXX - XXXX XXXX. In XXXX, they reported it as 90 days past due with the addition of 30 days up to and including XXXX which has me at 240 days past due. I 've had several conversations with Navient reps and have filed multiple disputes with Navient and through the credit bureaus. On XXXX/XXXX/XXXX, I spoke with two floor supervisors XXXX and XXXX. Both informed me that I would need to speak with New York XXXX XXXX XXXX XXXX XXXX ( XXXX ) to have them make the necessary updates in their system to reflect the bankruptcy back to XXXX XXXX so that they, Navient could reverse the negative reporting filed since per Navient, they do not have jurisdiction to remove the erroneous reporting because XXXX has to make updates to their system, in turn Navient will mirror their report. XXXX/XXXX/XXXX, I contacted XXXX, and spoke with a gentleman in the collection department, he informed me that Navient does have the jurisdiction and ability to reverse their report to the credit bureaus and that under the bankruptcy guidelines, they should not have reported the account as delinquent. XXXX rep shared that there is nothing that they can do on their end to reverse the negative reporting because it was Navient who was reporting to the XXXX bureaus monthly despite the bankruptcy notice. When I contacted XXXX, they directed me to you, the Bureau of Consumer Financial Protection for assistance. I am requesting assistance with having these two entities work together to have the late payment, past due payment, and balance amounts corrected with all three credit bureaus as soon as possible as reporting should not be made to credit bureaus while in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Applied and approved for loan in XX/XX/XXXX at State Employee Credit Union.Order credit report and notice information was not being reported to all credit reporting bureau.I understand that creditor do not have to report to all but if a consumer has positive information that can be reported it should.Not all creditor look at XXXX credit bureau to make offers for credit.The FCRA has a statement in it that information in consumer report should the maximum level of accuracy and if the Credit Union only reports information to XXXX ( XXXX ) bureau than I don '' t have that maximum level of accuracy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation