vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I filed for chapter XXXX bankruptcy and have sent in various documents from the bankruptcy court, my attorney, and the trustee and they refuse to acknowledge the bankruptcy, they have even contacted the bankruptcy court and still refuse to acknowledge and continue to attempt to collect the debt for the last 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I tried to settle this dispute offering a large portion money owed on my private educational loan, but XXXX refused, called me and my fianc all sorts of foul names. I then received notice that my loan had went to judgement and I can no longer negotiate. What can I do, to help my situation XXXX is nasty, and they will not leave me alone. I want to get things squared away so I can get rid of the judgement amend move in with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 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: UT

Complaint narrative:
Loans were taken out in my name fraudulently by XXXX between XX/XX/XXXX - XX/XX/XXXX. I have tried to combat that, and the issue is n't moving. My loans were listed in the XX/XX/XXXX and ALL subsequent law suits against the school. Navient was to place them all in deferment/forbearance and never did. They sent confirmations that it had been done, but took my tax refunds and continued collections. I did get the USDOE email confirmation that the loans would be discharged, and it has n't been done. Because the school took XXXX loans in my name, Many with no signature, I ca n't get approved for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
This debt is from a XXXX hospital, I do not have any XXXX. 
I called the hospital direct n they have no records of my name showing anywhere and they also told me they do n't use this company for there collection services. I also spoke to the collection company the hospital does use and they have no records anywhere. I XXXX this company and the number that shows is not in service. How do I respond or try to get this resolved if there is no phone number or email address to explain to them that I do n't have XXXX and that I do n't go to that hospital. I go to 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 2016-11-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX, 2016 CFPB : Bank of America took my ARM Notices of Interest Rate Change from XXXX XXXX XXXX, XXXX, IL XXXX. I need Bank of America to return all those to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

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 2017-01-19 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: MS

Complaint narrative:
In XXXX, I consolidated all my loans with Navient and was approved for the ibr with XXXX dollar payments for one year.. After, currently reviewing a copy of all XXXX credit reports I saw XXXX open accounts. I immediately contacted all of the original loan holders and I was told the loans belonged to Navient and any additional reporting was done by Navient.. I recently contacted Navient in XXXX and sent all the appropriate documents and a copy of my credit reports.. I never heard anything from Navient..I spoke with another Supervisor on XXXX/XXXX/2017 and I was told to furnish the documents and they would correct the reports which should show a Credit score increase. I also, spoke with Navient in XXXX about my loan currently rising on my credit reports, she said it was from the interest. I was advised to pay on the interest.. I immediately made the payment but when I received my report in XXXX the payment did n't reflect the balance and it had risen by XXXX ... I also asked about other options as far as how to get the loans payments to reflect on my reports and I was told that they would immediately. I also asked about my loans been forgiven since I own a non-profit business which is a service. The rep told me that they were not going to grant me any type of loan forgiveness and I was lucky to be have granted the ibr ... I have read the complaints against Navient buying, harassing consumers and negatively reporting inaccuracies on consumer reports. The information that was explained to me was n't the results that I am /expecting working with a company.. I could have chosen any agency to handle my loans but I chose Navient..I thought I made the best decision but per the news Navient is a fraudulent company who chooses to make it hard for consumers to become debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I made a payment over the phone to Navient Solutions Inc for an amount around {$300.00} towards both my Federal and Private loans. The Federal loan amount owed {$180.00} and the Private loan owed {$110.00}. I was assured by the representative I spoke with that the {$300.00} payment would cover BOTH loan payments. 

About two weeks later on XXXX, XXXX I received XXXX phone calls at XXXX. XXXX call to my cellphone and the other to my home phone, both informing me that I am past due on my Private loan. 

I called Navient and spoke with a representative for about XXXX mins. She admitted that Navient had made a mistake and would correct the payment. I asked her to have the phone stoped. I was put on hold for nearly XXXX mins. She came back on the line and assured me that she had contact Navient 's collections department and all calls would stop. 

Late the same evening at XXXX I received XXXX phone calls from Navient 's collections department again. It seems Navient does not care for customer service. Navient Solutions Inc does not seem to care that they are harassing customers and violating FDCPA regulations. During previous calls in XXXX, XXXX dealing with same problem regarding my Federal loan, I was told by a Navient representative that it is not company policy to update it 's system the same day. He went on to tell me that I should just disregard all calls until the system updates on it 's own.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Hi my name is XXXX XXXXI am a resident of Wa. For College I took out a loan from formerly known as XXXX XXXXnow currently named Navient. I have been dealing with the changes in the company and with my jobs and sense the beginning have had extensive problems with their methods. The Last straw has been terrorizing calls. They have not only called my Grandparents house, but they have somehow gotten and called the phone number to my neighbor! I do n't even have their number yet Navient ( XXXX ) has even called a work colleague of my father! That isnt right. They tried to force information and coercive both people who are not even on the contract or even associated into compiling with their shark attack. At this point they have gone into attack of my rights, and attack on my family and community. That is unbelievable and unacceptable and that is why I am here so that I can make sure this terrorizing of me and other Americans in debit can end.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Dear Sir or Mis In XXXX I received a new Business credit card from Bank of America because my old card was do to expire in XX/XX/2017. I activate the new card but then stripped the new card by mistake when I call Bank of America they send I would receive a new card in two days. Three days I got a call from the compliance dept. stating they would have to pull my credit report before I could get a new card. I am a ID victim so requiring me to unlock my credit and take a hard it on my credit. On Bank of America web site I can see my credit score every time I log in. I have mortgage and a personal credit card with Bank of America. I was told if I lost my credit card or if it was damage there was no need to take hard hit on my credit score. 
My question is why is it necessary to take a hard hit to lower my credit score because I made a mistake with the new card

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 2016-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In 2014, I sold my home that was financed through Bank of America. Although the foreclosure process had started, I sold the home for a price that would cover the entire balance owed, interest generated and fees accumulated. Prior to closing however, Bank of America forced me into a Short Sale scenario but sending out the Escrow for insurance that was n't due for another month and by their attorney having increased fees. The attorney also did n't respond to a request for payoff for over a month that accumulated more in interest fees. Although the payoff was only {$2200.00} short because of their actions on a {$170000.00} amount, they have reported it as not paid in full on my credit. They have refused to reexamine the situation or refund the additional amount of interest because of their attorney 's actions. I was not able to use HARP as I was self employed. They refused to modify my mortgage loan as well.

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 2016-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a checking account from Bank of America. The lady in XXXX ( IL ) branch told me that as long as I have a total amount of direct deposit over XXXX to the account in a month, that I wo n't be charged with the $ 12 monthly fee. So I did {$150.00} per paycheck, that 's {$300.00} per month. Then I found that I was still charged for the $ XXXX monthly fee twice. So I went to the XXXX XXXX XXXX ( IL ) branch today, and ask for why. The lady and her manager told me that the requirement was {$250.00} per check. And there 's nothing they can do to help me. They asked me to leave and go to the previous branch and talk to the lady who talked with me before. They also said they did not care if I close my account or not, I told them I need my {$24.00} fee back before I can close that account. They said they could not help me with anything and asked me to wait somewhere else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
Supervisor XXXX XXXX of CBE GROUP XXXX A collection agency for XXXX / XXXX XXXX XXXX XXXX IA XXXX USA Accepted my credit card and recived payment for {$980.00} I RECEIVED A CONF # and was told i would get an emailed thankk you for your payment letter in 7 days. And the Total {$980.00} was paid on XXXX XXXX 2016 charged to my credit card on XXXX XXXX 2016 They promised to send a letter to email and mail but still have not. I called again to today XXXX XXXX 2016 and XXXX XXXX supervisor of CBE GROUP. stated it will take her 10 more days before she can send a THANK YOU FOR YOUR PAYMENT LETTER * NOT* AN ACTUAL RECEIPT. AND THAT IT *WILL NOT * SHOW PAID IN FULL OR XXXX BALANCE. **WILL NOT LIST ACCOUNT # S AND THAT IT IS A LETTER ONLY AND **NOT AN ACTUAL RECIEPT** I previously disputed because I believe they continue to bill / charge and collect on accounts over and over reporting to Credit Bureaus showing Negative on my credit. And that they get away with it because They ARE NOT HELD ACCOUNTABLE TO PROVIDE RECIEPT ITEMIZATION S INCLUDING ACOUNT # S AND SHOWING PAID IN FULL OR XXXX BALANCES. I FEAR THAT I WILL AGAIN HAVE TO PAY THESE CHARGES FUTHER DOWN THE ROAD BECAUSE THEY ****REFUSE**** TO PROVIDE ME WITH ANY TYPE OF RECIEPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Company calls myself and my consigner at least once an hour all day long every day. They have even began to call references asking that we contact them after I have already spoken with them trying to make a payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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: MN

Complaint narrative:
I would like to submit a complaint reference to Navient student loan lender ( Navient Solutions XXXX Inc ) - After XXXX plus years of repaying the loan, I feel I have been deceived by the financial institutions with excessive interest and fees. The loan balance continues to rise at an alarming rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a victim of identity theft and have filed reports with local law enforcement as well as the FTC. In relation to this identity theft, I have submitted fraud claims with Bank of America for unauthorized funds that were taken from my business accounts. Bank of America has refused to honor these claims in light of the aforementioned identity theft, even though the funds are FDIC insured.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have a conventional fixed 30 year mortgage and have been making extra payments on the mortgage to get the loan paid off quicker over the past 6 years. My current LTV of the original purchase price of the home is currently XXXX %. The " scheduled '' XXXX % LTV passed on XXXX XXXX, 2016 for a cancellation date. 
I have requested Bank of America to cancel the PMI. They are refusing and requiring me to get another appraisal done on the home for the current value. But the law said it is only for the original value of the house for the PMI to get taken off. I have always paid my payments ahead of time with extra payment to the principal. I have never missed or been late with my mortgage payments and I have excellent credit with a score around XXXX. 
I am tired of wasting money to this bank for PMI when I should n't still have to be paying it. If they do n't resolve this issue, they are going to lose this investment and my business with my other accounts at Bank of America. I will refinance with another bank for my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with Bank of America ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from XXXX ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with Bank of America ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America had our mortgage when I lived at XXXX MI XXXX. Bank of America was fined by the USA for unfair mortgage practices. The United States government had to decide whether to bail them out or shut them down. The government bailed them out because their unfair mortgage practices ended up with thousands of unfair forclosures. Bank of America sent me a settlement check for the unfair mortgage issue on that house. I had already moved to XXXX XXXX, XXXX XXXX XXXX, MI XXXX. That is where Bank of America mailed the check to. The city of XXXX MI had bought the house at XXXX , MI XXXX from Bank of America . Then the city of XXXX sold the house.

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 2015-04-24 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America emailed me an eroneous bill. They have admitted to the mistake but can not explain it. I told them this was illegal. You can not be sending out eroneous bills and hoping that people pay them without looking. On XXXX XXXX I received an email saying that I owed them {$53.00} due on XXXX XXXX. I knew this was incorrect because I had just scheduled my payment of {$28.00} to be paid on XXXX XXXX. I XXXX checked and I was correct. 

I went online to chat with a B of A rep who could not explain what happened. He said a Manager would call me back on Monday. No one called. I chatted again on Tuesday night and the rep just told me to call the XXXX number which I hate doing because I know there will be a long wait. I called the XXXX number and explained everything again to a rep who was researching it then mysteriously I was transferred to another person. Now we are a XXXX into the XXXX attempt at a resolution. I get a manager on the line named XXXX who I had to tell the story again to. After XXXX minutes of him not really making any progress I told him to call me back the next day with an explaination and I wanted a written apology. He called the next night but I missed his call. His message said he would call back in an hour and that he could not give me a call back number. He has never called me back. 
Are n't banks suppose to be fined for these types of errors. If I had been a senior citizen who was not on the ball I may have gone on line and paid the eroneous bill. Something needs to be done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CHECK INTO CASH INC.
State: OH

Complaint narrative:
Have several payday loans but am currently unable to pay them. I 'm working with a Payday Debt Solution group and am still getting calls threatening legal action. 

Got a call today from a XXXX XXXX at XXXX advising that legal action would be filed for misappropriation of funds unless I returned the call today. 

I returned the call and immediately XXXX began asking me questions to " verify '' that he was talking with me. I refused to give him any information and he indicates that a lawsuit will be filed. 

I checked the phone number he gave me XXXX and it 's registered to XXXX XXXX XXXX of XXXX, Texas. 

I believe this is a scam and this individual ( he did not give me the name of his company when he left a message -- only that it was the legal department ) .is a scam artist. 

I hung up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 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: FL

Complaint narrative:
I am not trying to get Navient in trouble I just need help with them trying not to let my private loans default. I have been doing my best to pay on my private student loan but this month I was not able to pay it and now I am going to be in default by XXXX XXXX. My bal is XXXX in the rear that needs to be paid. But, I do n't have the money to give them. And I want them to give me until the XXXX of XXXX to give them the money. I had lost my job and I got a new one and the day I get paid is on the XXXX of XXXX and I just need time to pay them. Please help me. I do n't want my credit more damaged then it already is. Plus, I do n't want them to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was never told when my forbearance was up. I happened to look at my credit score and seen how low it dropped. I had late payments and I did n't know payments were due. I have tried several times to put my loans in Income based repayment but the rep kept sufficient me up for forbearance. While in forbearance my loan gained an astronomical amount of interstate.

Company response to consumer: Closed with explanation