vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-13 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 took out a mortgage on my property a year before Countrywide was bought by Bank of America. I was promised by Countrywide that my interest rate would be adjusted after a year or so. The Interest Rate was 8.85 % and my monthly payments have been for {$630.00} /mo. I have never missed or been late on any payment since. I started inquiring about a lower interest rate for my lo re-financing my Mrtg for at least 8 years now and always receive the same answer. Since I do n't have a XXXX XXXX or XXXX account there is nothing that can be done. My mortgage is under {$68.00} and it is still being met every month. 
As of XX/XX/XXXX I XXXX and am getting a little concerned about my ability to continue without a refinance to a lower rate. Of course since the GR I have been under water as my home has assessed for @ half of what it was valued at then. My retireme nt pkg can keep me viable for a while, but who knows how long I can keep going. I have asked at least 5 times to refinance the whole value at a lower rate but they say I am too far under to be considered. 
If you can help me to re-fi I would really be happy. 
I want to pay back what I owe, I only need to reduce my payment. Let me know what I need to do to get you all the necessary information. I have been pay ing this for around 9 years now at 8.85 % I see all these multi thousand dollar mortgages being re done and I do n't understand why they are hesitant to do mine. 
Thanks! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2015-08-25 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: FL

Complaint narrative:
I am looking to lower my private student loans and Navient is not doing anything to help. I have called to try and get assistance but they state that due to my income combined with my wife I do n't qualify for anything. My minimum payments across all my loans, all serviced by Naivent, are upwards of {$500.00} and I ca n't afford that. Not sure what else to do as I do n't want to fall behind on them or have this mess up my credit even further. On top of that Customer service is rude and has not been helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On numerous occasions Bank of America and their representatives have made representations as to my character and account status that l find beyond insulting, humiliating, and embarrassing. These representations were not only made to me, but to the public as well. For example, when Bank of America represent I have defaulted on a mortgage or Deed of Trust it implies I have intentionally ignored my financial obligations and I am not to be trusted. 

Just to be clear, it is not me who has made knowingly false statements as to the true status of my account, or who has caused this account to default, if any. For example, Bank of America has repeatedly stated I have made multiple requests for mortgage assistance ( RMA ) and, as a result, have been denied on appeal multiple times as well. However, as confirmed today with Bank of America representatives, there are no Appeal Department documents evidencing an appeal or a determination on appeal XX/XX/XXXX. When asked to provide proof of these and other representations, Bank of America never does, but insist on continuing to add insult to injury with their lies. 

In the XX/XX/XXXX Bank of America letter provided by their legal counsel, they attribute statements they have made as mine. For example, it is Bank of America who stated to me in their XX/XX/XXXX letter, also provided by their legal counsel, there is no principal balance associated with this account. It is not I who has made this representation to Bank of America. 

I have put Bank of America on notice to immediately cease and desist with this and similar behavior as I find it to be slanderous, among other things. 

Additionally, Bank of America informed me today my account as been coded as being represented by legal counsel and, as a result, are unable to talk to me directly. I am currently not represented by an attorney and have made this clear to Bank of America. 

Also, after the events of XX/XX/XXXX, I have told these people to stay off of my property as they are trespassing and not to come back. 

88 ) Malicious Credit Reporting. 
91 ) Financial Sabotage ( on a mortgage or Deed of Trust ). 
92 ) Fair Credit Reporting Act. 
93 ) Defamation of Character. 
94 ) Slander 95 ) Liable. 

All previously mentioned resolutions are desired and mandatory.

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 2015-12-23 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: IL

Complaint narrative:
BOA likes to charge a fee when they feel like it. I took {$20.00} out of bank as my direct deposit was going through. Was charged a {$34.00} nsf fee when in the past have never had this issue. Also had previously spoke to a manager who told me if a direct deposit was pending I would be fine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have received numerous complaints from friends and family members that this company is contacting them several times a month. I do n't know how they have my friends and family members phone numbers, but it is uncalled for. They are feeling threatened and harassed. 
I researched the company and it states they are a collection agency for XXXX XXXX. I do not have a student loan with XXXX XXXX. Furthermore, my student loan is auto-drafted, so I know it is current and not in default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 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: NE

Complaint narrative:
My accounts were to be on defferment but I am now being garnished. navient is now trying to contact me to tell me I am missing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 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: CA

Complaint narrative:
I recently refinanced my HELOC with Bank of America to lower my payment and specifically requested a fixed interest rate loan multiple times. During the application process my loan officer reassured me he would get me into a fixed rate loan. After 6 months of making my new payment amount, my statement had a note on it that my payment was increasing and I had a variable interest rate. My new payment amount is more than what my previous payment was after the interest rate change! I do n't understand how this happened when my loan officer reassured me multiple times the loan I was getting into was a fixed rate. On top of all of this, I now can not make my payments online anymore like I was able to with my old HELOC. When I called in to ask about this, I was advised I have to have a Bank of America account to pay my HELOC account online. That makes no sense because I could make my old HELOC payments online just fine without a BAC account. I 'm completely unsatisfied with the product I was given and having my payments be more than they used to be. This is a hardship on my financial situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The company FIA card services which is a subsidiary of Bank of America filed a default judgment against me for credit card debt accrued by defunct company MBNA XXXX on XXXX/XXXX/XXXX. 

I applied for and maintained a business credit card with MBNA on XXXX before the company went out of business. The debt was accrued during the year XXXX. Bank of America acquired MBNA in XXXX and this arm became FIA card services that same year. Since my debt was initiated and established during the existence of MBNA and NOT after the acquisition period, this default judgment is a direct violation of the FCRA, as FIA is attempting to collect a debt of the defunct company MBNA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Woke up to find a joint acct I share with my daughter was overdrawn by {$4000.00}. Called Bank of America who informed me that collection agency had gotten a judge and they over drafted the acct to satisfy it. They also over drew my daughters saving which was at - {$15.00}. When asked to provide proof of judgement they just gave out a phone number for a law firm in XXXX ( XXXX and XXXX ) even though my daughter and I reside in XXXX. Neither the bank nor the lawyer can provide proof of debt, judgement, or any amounts paid on this acct. 
This was a car loan that defaulted but was being paid by wage garnishment. 
My daughter is XXXX XXXX XXXX and I am XXXX XXXX. We need an accurate accounting and proof of debt and judgement. We have never received any communication prior to the Bank of America taking funds that did no exist from XXXX acts and refusing to provide information.

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 2017-01-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been on hold for 1.5 housr trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.

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 2016-12-27 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: MI

Complaint narrative:
On XX/XX/2016 I called to request my payment to be increased to pay all my loans off in XXXX mo 's. The representative stated it will be {$790.00} in total. On XX/XX/2016, they pulled {$850.00}, a {$64.00} difference. On XX/XX/2016 I called Navient to request the correct payment and a refund of the {$64.00}. I asked the representative to recalculate my payment so that it could be paid off in XXXX years, and she stated that they miscalculated my payment before and she needed to correct it. She stated my total payment is now going to be {$750.00} .After a XXXX minute call and escalating the issue twice to a supervisor I was approved the refund for {$64.00} and they stated that it would put my account in delinquent status but that status will fall off in a few days. As of XXXX today, my account is still in red despite the fact it was paid. I was told the {$64.00} would credit my account on XX/XX/2016, and no such credit is received. Furthermore, I know the payment of {$750.00} is incorrect because the statement I was issued from them shows a payment term of XXXX months, not XXXX as I requested twice before. I also see on my statement they changed my repayment terms, which might mean I am no longer able to just pay the minimum if I wish to no longer pay my loan aggressively. 
My goal is to have a XXXX month payment amount but not have that be what my minimum required payment amount is. I do n't want them to change the loan terms, but to keep the original agreement I signed in my promissory note to XXXX XXXX before Navient started servicing it. I am increasing my payments to them, so I do n't see why they have to mark me as delinquent and lie to me and say that my payment is XXXX months when looking at my statement it is XXXX months. 
I am employed at a financial institution where I process loans. I am appalled by their behavior and their refusal to correctly calculate payments. They threatened to put my loan as delinquent when I asked for the {$64.00} back even though it was a servicing error on their part. Furthermore, when I faxed a request for a {$10.00} credit for the overdraft fee to my account that ensued by this {$64.00} discrepancy, the request was never addressed and no action was taken on their part to rectify the situation. 
I do n't believe that Navient is acting in the best interest of their customers. My hope is that with this complaint you can look into the company and instigate new regulatory procedures they should follow in order to better their financial relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.

Company response to consumer: Closed
Consumer complaint received 2016-12-14 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: CA

Complaint narrative:
Netspend put my tax refund on a card. When I used it at XXXX store to buy a XXXX ticket, Netspend blocked the card from me using it claiming possible Fraud, What resulted was months and months and months and money spent at XXXX XXXX trying to jump through every hoop to prove I was owner of the card and that no fraud had occurred by emailing, calling, faxing THAT RESULTED IN THEM KEEPING ALL MY MONEY .... IN THE END, THEY SAID THEY RETURNED IT TO THE IRS ... but the IRS says they have no such return. The amount was approx. {$1800.00} ... but since we lost our apartment, my car, our marriage, our children 's respect, and my job due to the time, energy, effort, and resulting medical diagnosis of XXXX, I really can not put a dollar amount on the devastation this company has caused me. I want this company to be held responsible for knowingly practicing acts of dishonesty, setting up help call lines answered by individuals who lie saying they are located in Texas and are not, and do not ever intend on helping the customer. I have documentation of every call, up to XXXX minutes each time, and want to be reimbursed my tax refund and an additional amount to compensate me for the physical, psychological, and financial damage this company has caused me. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P.
State: ME

Complaint narrative:
My identity was stolen. I filed a complaint, police report, affidavit, etc. I contacted the original company, and the collection agency to resolve this debt. Both of them keep sending me to each other, and neither will help in resolving this issue. I have spoken to supervisors at each company and still get the same answer- contact the other company. I want this debt removed from my credit, as it was fraudulent. The collection agency even offered to settle for {$300.00}! I am not paying a dime to a company I never had an account with!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: MN

Complaint narrative:
This company is attempting to collect a debt that is not mine. I also received no notification, either by phone or by mail, informing me of this supposed debt. I believe that they are violating my rights per FCRA by not taking these steps to honor my right to contest this collection.

Company response to consumer: Closed
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: WY

Complaint narrative:
I applied for pre approval to take out a loan with XXXX XXXX. My bank sent me a note after they had pushed the application through that said my credit score was too low for pre approval because XXXX had passed on a delinquent account, under my name, to a third party debt collection agency. However, I have never nor will I ever have an account with XXXX. In effect, XXXX linked my name and address with a delinquent account held by another individual under the same name at a different address. XXXX had no other information to associate with my name and admitted, on the phone, that the account had been charged in error. They then refused to assist further and suggested I go through the steps necessary to correct their error.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 2016-12-23 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: WA

Complaint narrative:
I noticed a few unauthorized transactions. they refunded me sum of the transactions, but no info on three atm withdrawls, they told me that they could not provide any info. I belive it was identity/use of card without knowledge. theywill not give me proof of findings, also they did not replace the disputied funds like they said in the trems of card poiciy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I have asked these people to stop calling me around 5 times already. There has been times when they call daily 2-3 times a day. They said that because I signed a contract with them, that they can call me as much as they want. I stated to them that by law they have to stop calling me and they say that they do n't care and that they are going to keep on. Also they threatened me to reposes my car. According to the contract I signed on paragraph XXXX it states that if I want for them to stop the calls, for me to let them know, which I have and they refuse to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: NJ

Complaint narrative:
Frequent messages from Vital Recovery Debt Services ( XXXX ) made to my cell phone asking me to get in touch with them. I have no outstanding debts of concern. We are financially solvent. I suspect this was a phishing call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
Southwest Credit Systems representatives continued to call my cell phone after I asked them to stop. They then began to call from a different telephone number. After a few days of these annoying calls, I finally called them to advise them that I felt harassed and ask them AGAIN to stop. I spoke with an extremely rude manager ( XXXX XXXX ) who, after a heated argument in which I told him that it was illegal and that I was going to file a complaint, agreed to stop the calls.

Company response to consumer: Closed
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Coastal Financial Solutions, LLC
State: VA

Complaint narrative:
The company was Coastal Financial Solutions who continued to call. I initially did n't recall the debt ; however, after a few minutes of research on my bank statements, I found verification. I made two honest payments on my account, which I stopped making due to financial constraints. 

There was claim by Coastal Financial Solutions that they had made numerous attempts to contact me, which I never recalled receiving. We took the payments off autopay and genuinely forgot about the debt. 

On XXXX XXXX, 2016, I received several consecutive calls from a person representing Coastal Financial Solutions, who DID NOT state that this was an attempt to collect a debt and all information would be used for the purpose. He also stated that if it was n't resolved then it could be considered a felony and possible jail time. I was then transferred to the supervisor who said the same thing. Then the call was disconnected. I have received no correspondence from XXXX, nor have I received any correspondence from Coastal Financial Solutions. I have n't received any summons to court or any legal documents. 

When asked to receive correspondence by mail, they refused, when the law states they must send written correspondence within 5 days. They considered my request a refusal to pay. They said that my lack of recollection was considered a refusal to pay. 

After a few minutes of researching bank statements, I recalled that I did, in fact, take out the loan and I am responsible for it. I called them back and spoke to the same supervisor, who said he would send a settlement agreement of approximately {$790.00} by XXXX on XXXX XXXX, 2016 through e-mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation