vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a customer at regions Bank in XXXX Georgia. I placed my daughter as beneficiary on my checking account when I open my account several years ago. My bank is in a small town everyone knows everyone my daughter went to middle and high school there everybody knows who she is. The first incident occurred the year I opened my checking account. My daughter and her husband have their own checking account at the same branch. XXXX day she came in and could not remember her checking account number they asked her for her social and it pulled up her name up on my checking account and gave her an account balance and serval bank deposit information. She had no idea that it was my account she assume that it was her and her husband 's account she was inquiring about. 
I immediately brought it to XXXX XXXX attention the branch manager. I gave her the employees name and details and she saidthe reasoning for that mistake she says is when they pulled the account through this social the first screen shows her name as beneficiary so they assume that she owned the account that was her only solution. She said it would n't happen again. Now on XXXX XXXX, 2016 the same incident occurred again. I am very angry and concerned from the breach of my personal information even though she 's my daughter and down as my beneficiary she has no rights whatsoever to my checking account! 
I am requesting an expedited resolution in compensation due to the fact that it was never resolved and it is still an issue and it is against the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 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: MI

Complaint narrative:
I received a response to compliant # XXXX where the student loan provider 's response was that they could not reduce my payments. I received a call from the collection department on XXXX/XXXX/16 and the agent stated the he would try to help me arrange monthly payment arrangements. The terms were that I make the first payment via my checking account of {$130.00} on XXXX XXXX, 2016 - no payment due in XXXX - regular payments to start on XXXX XXXX, 2016 ( {$130.00} ) I agreed to these term and signed this agreement via pressing the # key on my telephone keypad. Later that evening, I received a call from the same agent ( XXXX ) stating that I must agree to another agreement, whereas I would now have to make a payment in XXXX in addition to the payments I agreed to earlier that day. I want to file another complaint against Navient Solution. Each time an agent calls me, I receive different terms for my student loan. I feel I should n't have to agree to another agreement, if I electronically signed the terms I agreed with earlier that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
While looking at my credit report I noticed the name Navient XXXX. I called the company on XXXX XXXX, 2016 as I had never heard of them and wanted to get to the bottom of the negative marks listed on my credit report and why. I was informed that Navient was a sister company to XXXX XXXX and it was for a student loan. I informed the representative that I had gone to court regarding this matter and that the case had been dismissed. I was then asked if I had submitted any paperwork stating this. I responded that I had not as the attorney representing XXXX XXXX is who had it dismissed and therefor would have been responsible for informing their client. The representative stated that I had a balance of {$3900.00}. 
On XXXX XXXX, 2016 at approximately XXXX I received a call from someone by the name of XXXX who stated she was calling from the Law Firm of XXXX XXXX XXXX and XXXX in regards to a student loan for which I owed more than XXXX. I explained to XXXX that this matter had gone to court and was dismissed. I also explained her that this matter was being disputed. XXXX then informed that Navient did not share that information with them and they were not supposed to contact me. XXXX stated they would not be calling back but that I could send a copy of the discharged court case via email ( XXXXXXXXXXXX ). 
I have filed a complaint with The XXXX. Since filing the complaint Navient has placed a negative 30 day past due mark on my credit every 30 days and on XXXX instances two times in one month. The loan is listed on my credit report as charged off. In documents provided to XXXX Office Navient states the loan is with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: MI

Complaint narrative:
I defaultedt on my private student loans with and Navient in 2012. Since then I 've made payment arrangements with their collection agency XXXX and I 've made every payment on time since 2012 according to our agreement. The unfortunate part is as long as I owe them, my loans will stay in default. these defaulted loans will continue to impact my credit until I pay them off in full which negatively affects my buying power. XXXX has ruined my family life and navient has not helped me with any other options to better my situation. I still owe over 40k and I 'm told I will remain in default until the loans are paid in full. This is a lifetime punishment as I 've already been in default for 8 years. It 's ashame I had to default for the collection agency to work with me and give me a reasonable agreement because Navient would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from Jefferson Capital. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Jefferson Capital in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 2017-03-10 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:
When trying to reduce my monthly payments I was guided towards forbearance which I was told would not accrue interest due to my circumstances at the time. My monthly payment want up from under 500 a month to nearly 700 a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My mortgage is owned by Bank of America and is a XXXX backed mortgage. Sometime around XX/XX/2011 we started a home loan modification process with BOA. This process took over 3 years of back and forth. We even took the steps to find a pro-bono attorney to help us the BOA gave him the same run around. In the end, BOA added almost {$90000.00} to the loan, increased our interest rate, and added fees to the loan that to this day have yet to provide proof as to what those fees were for to me. I have attempted to try and seek legal help and I am unable to find an attorney anywhere that will assist us with taking on BOA. All of them quickly say that they can not help us the second they hear that our bank is BOA. I have countless letters from them directing us to XXXX who request the same documents month after month. Emails between me, BOA, and my attorney at the time. 

Bank of America also knew that this loan was a VA loan. They failed to notify the VA that we were seeking a modification in a timely matter. In fact, they tried telling me that they did n't know my loan was a VA loan. By the time the VA was notified, it was beyond the point that the VA could do anything to assist me. 

I 'm a XXXX with XXXX tours in XXXX, XXXX tour in XXXX, a XXXX and an XXXX Commendation XXXX with " XXXX '' device. I 'm currently out on XXXX and this whole situation has in part contributed to my XXXX and XXXX getting worse.

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 2016-09-16 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: CA

Complaint narrative:
I had a student loan from XX/XX/XXXX.for {$2500.00}. I paid it off through the XXXX XXXX -state trustee consolidation loan program in XXXX XXXX CA . I kept getting billings from different collection companies every two years or so - I would mail them a copy of my paid in full notice from the trustee. after a while, I would get another notice from a different company and repeat the procedure. I was told that the loan kept being sold to different companies - then in XX/XX/XXXX my wages were garnished WITHOUT PRIOR NOTICE and they took more than half my wages for two years -- each paycheck WITH NO PRINCIPAL REDUCTION stating that I owed {$19000.00} which resulted in my losing my home -- despite the fact that I drove to XXXX CA and TO GET THE WRITTEN PROOF and had to purchase the documents from the government warehouse showing that I had paid in full - which I sent to them -- NOW XX/XX/XXXX -- I have n't heard anything until recently and yet another NEW collection company says I owe {$13000.00}. 
I paid the loan of {$2500.00}! - I am approaching retirement and I am frightened that I will die with this horrible injustice unresolved. There have been approximately XXXX different companies that have sent me notices to send them money. during this process, I had my social security number stolen and used by someone named XXXX XXXX who got a governed loan with it. 
I have suffered enough - I had to file bankruptcy in XX/XX/XXXX and told the attorney I had this student loan problem - he advised me to put it on my bankruptcy list so that I could just be done with it. -One of the collection people told me that I now have to pay this XXXX XXXX student loan because I put it on my bk papers. I WOULD LIKE THIS TO STOP and I would like my money back that was taken from me erroneously.

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 temporarily postpone payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was n't given the opportunity to do the income based. I was told that being that my loan was XXXX that it was n't worth it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We represent an elderly, isolated senior of limited financial means. On her behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor acknowledges receipt of the letter requesting no further communication, the creditor asserts its right to continue to send " servicing correspondence '' such as monthly statements. By continuing to communicate with our client after receiving her request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act.

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 2016-09-29 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: VA

Complaint narrative:
I called Navient in XXXX of 2016 to find out if I needed to submit additional documents for the In School deferment and I was told by the associate that everything was fine there was nothing else that I needed to do. I asked her if she was sure that there is nothing else that I need to do because I received a letter stating a payment is coming due in XXXX 2016. She said I see your letter you submitted with your graduation date listed and once your school reports that you are enrolled full time for this school year it will update the in school deferment on your account and everything will be ok. 

Well I received another letter in XXXX XXXX this time it was a statement/invoice for XXXX 2016. So I called back to find out what is going on with the in school deferment. The associate said Oh I see the problem you have used your 48 months and we can not process your in school deferment. I said what? I need to speak to a manager. I told XXXX that this does n't make any sense because it was never communicated to me by phone or in writing that I only have 48 months for a in school deferment and that I have used my 12 month forbearance. I said most degrees take longer than 2 years and I have n't used a forbearance. 

She had no response for most degrees taking longer than 2 years and she said when this loan was with XXXX XXXX you used those months. I said XXXX XXXX ... they were just in trouble for their unlawful practices and were allowed to start all over again after selling off my loan and I cant start over. I told her this is not right and it has to be against law. I asked her to walk me through where I can find the disclosure of these shoddy practices online and confirm where it is documented that this disclosure was mailed to me? She said I cant because it is not online and nothing was mailed to you or included on your statement. So then I asked her how would I know that I am not eligible for a in school deferment and who in there right mind would sign up for a two year in school deferment only when we know most degrees take longer than 2 years? She did not have a response. 

I told her I was disgusted and disappointed with XXXX XXXX and Navient for these unlawful ( and unethical ) practices and that I would be filing a claim with everyone that I can. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. I said since this does not directly affect you of course you do n't care ... because you get your paycheck from them! I also said you know this is not right she just apologized again and said she would process the monthly payment reduction request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In XXXX 2016 I started to become ill back-to-back. I began missing work. My XXXX missed an XXXX I found out I would need XXXX which would be expensive even with my insurance. I called XXXX XXXX and XXXX to see what my options were as I would not be able to afford both at the same time. My loan payments almost XXXX XXXX or more with navient. I explain to them the situation and was on the phone for an hour being bounced around departments because nobody could help me because my loans were not currently late. no they 're not late I 'm trying to avoid them being late and ruining my credit. Finally I in tears spoke to a woman named XXXX on a crisis team who told me she could not help me because they were n't late but she said that I should just take 3 months to save my money not answer the phone when they called and as long as I did n't go over the three months my credit would not be harmed. This was false. I have a ton of late charges and it has been reported to the credit agency. My main complaint is that navient would not work with me until my loans were late and they still are not offering any help. I am a single person there is only XXXX income and I have been ill. My loans have stayed up to date until this issue and navient was unwilling to work with me. They literally word for word told me that they could not help me because I was not late yet when I asked about getting lower payments or anything like that they said they could not look at that until I was late when I explain my hardship about my tooth and my illness they said they could not offer me any help my loans were still due at the full amount

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
Calls start at XXXX, XXXX per day. No one answers. The company listed on the caller ID is CBE group

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
For graduation I was given a check by my grandfather for {$12000.00}. I deposited the money into my Wells Fargo savings account. Once some of the money had been released into my account I paid off the balance on my Wells Fargo credit card. Eventually the check bounce, turns out my XXXX XXXX XXXX grandfather had mistakenly only put in enough money into his account for XXXX of his graduating grandchildren. My cousin who also graduated college cashed his check first, which resulted in my check bouncing because the money had been taken out of the account. This resulted in my savings account to go negative because I used it to pay off the card with funds that had once been released ( but now taken back because of the check bouncing. Wells Fargo then locked my account even when I put in cash into my checkings account to overturn the negative balance. Between talking to personal bankers in XXXX local branches to explain the situation and talking to the fraud department on the phone to explain the situation they were unable to reverse the hold. They as a result are closing my account, giving me few days notice to pay off the card. I made multiple attempts to pay off the negative balance and the credit card after realizing the check has bounced. There has been XXXX transparency, consistency, and clarity between my personal bankers at local branches and fraud department. The local bankers do n't even know why my account is being closed due to a check bouncing due to insufficient funds. They have left me confused and with little ability to amend the situation. In fact they even cut up my debit card at the branch. I have always been on time with my credit card that I have with Wells Fargo and I have made multiple attempts to make payments on the card. I have not received a hard guarantee that my credit and credit score will not be effected by the result of this bounced check and the ridiculous near immediate closing of my accounts.

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 2017-03-13 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: NC

Complaint narrative:
I was pressured into repaying student loans that were in a grace period. At the time I should have started the repayment, I was already starting to fall behind. Now my credit report shows late payments that should have never been payments and XXXX says I only get XXXX grace period for my lifetime. This is convenient for them to say when I have an issue with my XXXX grace period that took place nearly 10 years after the XXXX. I have request documents from 2005 but they have not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX/XXXX/2015 I notice XXXX separate charges of {$300.00} from XXXX XXXX assessed to my Bank of America credit card. The next day I called XXXX in XXXX FL. to ask why these charges appeared on my statement, according to the representive these charges were an assessment for not attending a seminar regarding a time share during my stay at the resort. I followed up the conversation with telling the rep. at no time was I ever notified about a seminar and I do not have a contract with the resort. Per my request, I ask to see something in writing or verbally were I was made aware. According to the rep. they have a coversation on tape proving my knowledge of a seminar, when the tape was played at no time was there a mention of a seminar. XXXX has yet to provide any more information justifing the charges. I then proceed to contact Bank of America on XXXX/XXXX/2015 to dipute these charges. On XXXX/XXXX/2015 I recevied a letter from Bank of America notifing me that they would begin researching the dispute and would have a respond in 30 days.On XXXX/XXXX/2015 I receive a letter from Bank of America stating " they have completed the investigation and were unable to determine that a billing error occured. Since then I have made numerous calls to BOA questioning how could these charges be made to my credit card, and their reply was they can not intervene in situations involving a merchant 's contact. I futher escalated my complaint and on XXXX/XXXX/2015 sent a letter to the XXXX, their respond seem to coincide with BOA and suggest I contact CFPB for further assistance if I am not satisfied with the resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation