vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit card from XXXX. The card fee is $ XXXX/year and starts on XXXX. On XXXX I received notice of the renewal. I asked for a card with a lower fee. It was {$49.00}. They issued the card and I paid {$49.00}. They applied the {$49.00} to XXXX to XXXX but never cancelled the {$90.00} charged. They continued to bill me {$41.00} ( $ XXXX- {$49.00} ) and objected each time for 3 months. Then I found that they reported the past dues to the XXXX credit bureaus so I relunctantly paid them the {$41.00} plus XXXX late charges totalling {$4.00}. 
They refused to reduce the {$90.00} fee to {$49.00} because they think the contract permits them to charge {$90.00} if you do n't notify them before the renewal that you do n't want to pay the fee. '' The contract with XXXX states " The annual fee is scheduled to be assessed before you begin using your card and will reduce the amount of credit you initially have available ''. This statement is illegal in California pursuant to the California Automatic Renewal Law, California Business & Professional Code 17600. 
This law states " a company must provide a consumer with a written acknowledgement including the uatomatic renewal offer terms, a description of the cancellation policy, information on how to cancel ''. This was NOT provided, nor did their text referring to renewals comply with Section 1760 ( c ). 
I would like my {$45.00} refunded and more importantly, instructions given to each credit bureau that there was no past due. 
i am enclosing pages referring to XXXX, and the XXXX terms and conditions which plainly does not set out the renewal terms in compliance, and note particularly that bold print appears in many places on their instructions but not where they discuss renewals. 
In addition, in XXXX ( XXXX, XXXX was sued for charging the members credit cards or the members account with a third party for an automatic renewal or continuous service WITHOUT FIRST OBTAINING THE MEMBERS AFFIRMATIVE CONSENT TO THE AGREEMENT containing the automatic renewal offer terms.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 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: WA

Complaint narrative:
First of all, the compound interest is a joke. I am making {$320.00} payments every month and my balance keeps growing like weeds. Basically, my payments are just going into thin air towards ridiculously high interest rates. This is for private loans, no complains about government loans. 
Second of all, they are never willing to work with you on payments. For the longest time they would n't tell me I could use income based repayment plan and they made me do deferment and forbearance instead. They were not willing to lower payments even after I told them I went through XXXX and was struggling financially. They gave me an attitude when they saw a new car loan on my credit but when I asked them how they expected me to get to work when the bus took 2.5 hours, they had no good answer. 
Navient is not a student loan company, they are a modern day debtor 's prison!!! 

P.S. The school that I attended that pushed me into these loans at the age of XXXX and promised me gold mountains is just as bad as Navient. They are now closed and I am left with piles of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/XXXX my credit card was stolen and was used to make a fraudulent charge. I received notification of suspicious account activity from my credit card company and confirmed to them the charge was fraudulent. They refunded the fraudulent charge in a few days. XX/XX/XXXX the charge reappeared on my credit card. I contacted the credit card company about it and was told that they had concluded their internal investigation and deemed that the charge was valid. It has now been over 2 weeks since the charge reappeared on my card, and they have provided me no evidence to what led them to the incorrect conclusion that the charge was valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-05 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: NY

Complaint narrative:
This account was closed before XXXX 2016. This account was re-opened XXXX 2016 and not giving me accurate information to contact the creditor. Every time I call, I get nothing ; no office hours, no chance of leaving a voicemail and emails are not working either.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I owed money to XXXX XXXX XXXX and XXXX XXXX XXXX sent the past due account to CBE Group for collection. 

I settled the XXXX XXXX XXXX debt with CBE Group on XXXX XXXX, 2015 for {$150.00} and I have a receipt to that effect. 

At the time I made the payment CBE Group promised me that they would promptly clear the debt with the credit bureaus, but they did not. 

On XXXX XXXX, 2015, I was buying a car, and I was told by the manager at the automobile dealership that my credit report showed I have an unpaid debt to XXXX XXXX XXXX. 

The outstanding debt on my credit report is the debt I settled with CBE Group in XXXX 2015. 

The following day, XXXX XXXX, 2015, I telephoned CBE Group and asked them to promptly resolve the reporting issue with the credit bureaus and to provide me with a letter after they had done so. 

CBE Group said that they would " take care of it. " I asked how long it would take before I received the letter and I was told I would receive it within two weeks time. 

Today, XXXX XXXX, 2015, more than three weeks later, I still have not received the letter and so I again called CBE Group and again I was told that they would " take care of it. " When I pressed the issue why they had n't taken care of it in XXXX, or within the last three weeks, I was then told that the letter has already now been sent via email. 

When I asked why I have n't received the email their answer was that I would be receiving it in 24-48 hours, but we all know email is sent and received in an instant, and I do not accept CBE Group 's answer that the letter was already sent but I wo n't be receiving it for another 24-48 hours. 

It is an insult to my intelligence. 

I no longer trust CBE Group because they did not do the necessary reporting to the credit bureaus in XXXX, nor did they do it within the last three weeks, and I do not believe they will ever do it without government oversight. 

I feel like CBE Group stole my money because they did not do what they are obligated to do, which is report that a debt has been paid when it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Hi, This is XXXX XXXX. I am the owner of XXXX. 
6 month ago someone stole my reward check from Bank of America and deposited it to one 's own account in your bank. 
I called both bank dozen of times I could not receive my check but the copy of it. 
Bank of America called it is your responsibility to give my check back, and XXXX XXXX called Bank of America is responsible for this. 
It is not understandable that neither of bank can not solve or even help me to get my {$700.00} back. 
I understand customer, who is the thief for me, deposited my check to XXXX XXXX XXXX, but why not it is responsibility of XXXX XXXX XXXX? If it is not XXXX 's responsibility, tell me how to report to Bank of America so that Bank of America take the full responsibility and give my check back. 
I am attaching the letter that shows someone took my check and deposit to XXXX XXXX XXXX. 
Thank you. 
Regards, XXXX XXXX XXXX XXXX XXXX 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 2017-03-29 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:
Two problems : 1. My application for forgiveness of student loan was declined by Navient after I was told it would be accepted. The excuse given was that because one of my student loans was too old for the program, all of my consolidated student loans would not be forgiven. 
2. I was charged excessive fees by navient when I thought I had set my account for auto repair and their website did not work correctly. It was confusing, and I thought it was set up correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: FL

Complaint narrative:
This credit card was issued thru MBNA and was PAID after an agreed settlement number was given. This credit card was back from XX/XX/XXXX and was paid and should have been removed from my credit in XX/XX/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 2015-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My arm cards were stolen, and someone attempted to withdraw money and was successful with getting {$300.00}, from Bank of America. I disputed it at least 3 times, and it came back justifiable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a listing agent that has been working on a short sale for almost XXXX years now. We have received bank approval previously and had the buyers walk in escrow. Most recently, we had short sale approval at the price of $ XXXX. The buyer walked in XX/XX/XXXX. We found and submitted a replacement offer at $ XXXX. A new Notice of Trustee Sale was filed last month assigning a foreclosure sale date of XX/XX/XXXX. The previous NOTS had been filed XX/XX/XXXX and the sale proceedings had been on hold since then. We received a counter from the investor to $ XXXX which the buyer has met, and all requested documentation has been submitted. We were instructed that unless the file was in closing we would not be able to request postponement of the sale date. Now, although the file is complete and has been for several days, Bank of America has not moved the file forward. As the buyer has fully met the investor 's counter offer, and we previously had approval at a lower price just two months ago, there is no reason why we should not be moving forward with the current offer. Our negotiator went out of town without notifying us, and we have been attempting to work with her supervisor the past few days. We have been unable to get them to request the postponement, or even move the file forward in review. Now it is looking like the home will go to foreclosure auction on Friday, although both buyer and seller are highly motivated and we have an offer at what has been requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Eleven years ago I lost my job then had a problem with identity theft. I explained the situation to MBNA/Bank of America. I asked to use the insurance that I paid for and they told me I did not qualify to use it. Then they told me that since I was only making the minimum payments, they were going to up my APR and my monthly payments. They continued to increase these till my monthly payments were over {$2000.00}. I closed the account in XXXX, but continued to try to make some form of payment until XXXX. They continued to add interest after the acount was closed. They called me again in XXXX XXXX and threatened me. I told the lady that I did not have the money and it had been over 10 years and they could not continue to harass me. She said " That is not how it works and we can do whatever we want. '' I checked on the statute of limitations in the state of Texas and it is 4 years. They proceeded to write off the debt and file with IRS. This is not legal according to the Fair Debt Collection Act since the debt is way past the statute of limitations ( 4 years ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America sold my loan to XXXX XXXX. I am closing escrow on that property, and I am unable to get my payoff amount from either party, and have been told it could be weeks until that information is available for me. I am in financial straights and need to be able to access my loan payoff amount to close escrow.

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 2017-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
As a XXXXNavient customer, I was advised to take out forbearance when I could n't make my student loan payments due to employment or hard times. I ran out of forbearance during the summer of 2014 due to this advice. When I began making student loan payments, Navient misallocated my payments and put them toward the interest instead of the principal and interest for my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In the year 2000, my identity was stolen. Since then I have made several police reports and sent them to Sallie Mae to dispute my debt. Sallie Mae stated on my credit report that the loans were written off by the government but then they were bought by XXXX and now they are continuing to contact me and charge me late fees and keep these loans on my credit report. I have also done the necessary fraud packets and submitted police reports to them as well and they refuse to take the loans off my name and continue to contact me about this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I received a credit alert from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that CBE made a change to my credit report on or about XX/XX/XXXX. The debt in a previous complaint to CBE Group by Consumer was indicated to be a XXXX XXXX account. I do not owe XXXX XXXX any further payments and do not know this account was sent to collections, however XXXX alerted the consumer that in order for this to be applied to my credit report someone had to use my social security number. 
Attached is the retrievable payment ( s ) that are verifiable through the consumer bank statement. The payment history is not a full disclosure of payments made over the life of the account but is verification that the account was paid and perhaps overpaid as the current total charges on the closing bill was {$61.00} and I paid {$83.00} on XX/XX/XXXX and another {$83.00} on XX/XX/XXXX for a total of XXXX. The payment verifiable as being made prior to that was {$300.00} on XX/XX/XXXX. This account is one that may have been compromised due to a housing matter already reported to the CFPB occurring on or before XX/XX/XXXX. 

Attached as follow are : -Account Overview ( Acct Number XXXX ) indicating the Total Amount Due for XX/XX/XXXX was {$400.00}. Last Payment Received on XX/XX/XXXX was {$83.00}. Current Charges Billed on XX/XX/XXXX was {$0.00}. 
-XXXX, XXXX bank statement indicating XXXX was paid {$450.00} on XX/XX/XXXX and {$180.00} on XX/XX/XXXX -A XXXX bank statement indicating the XXXX Power account was paid on XXXX and Charged XXXX XXXX, XXXX in the amount of {$300.00}. 
-A XXXX bank statement indicating XXXX Power account was paid on XX/XX/XXXX in the amount of {$83.00} and on XX/XX/XXXX in the amount of {$83.00} with a deposit of {$160.00} on XX/XX/XXXX. 
-A XXXX bank statement indicating there was an ATM withdrawal in the amount of {$80.00} from XXXX XXXX XXXX and that withdrawal was placed in the XXXX XXXX bank account. 

Again, this account was not believed to be behind but likely overpaid. I will forward documents to the source of this alert as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX, fraudulently Increased the interest rate on my mortgage and then put my loan into collections when I disputed the new interest rate. I submitted my " borrowers copy '' of the loan documents stating the rate of 2.25 % for 40 years. They have not provided me any information and have placed me on a " dual track '' accelerating my loan into collections and foreclosure while they are " reviewing '' my dispute. I have never been able to speak with or have received any communication from a personal loan specialist over the past 4 months. I have spoken to over 20 different customer service agents, non of which can help me and give conflicting information each time I call. I have been given longer " review '' times for my interest rate dispute each time I call. The first time I called I was told the review would take 3-4 days, then up to a week, then 10-14 days, then up to 30 days and the last time I called they said it could take up to 45 days, but no one is ever available that can let me know where they are in the process or provide me any information. I have recently been told that they may file for foreclosure on my home in 2 weeks. I have been paying my mortgage for 10 years and I was never late on a payment. I just do n't understand why XXXX is allowed to play games and not give me a point of contact that actually works there and I 'm able to speak with.

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 2017-02-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I believe that me and my husband are victims of a predatory loan. In XXXX XXXX we brought a home through Countrywide Loans for {$390000.00}. In XXXX it was discovered Countrywide Loans had done some predatory lending. Our monthly payment went from around {$2000.00} to {$3000.00} and then to {$4000.00}! Our loan was transferred to Bank of America and the new mortgage payment was exorbitant over {$4000.00}! We got a loan modification in XXXX. That helped for a while but the monthly payment is slowly creeping back up to almost {$3000.00} again. We ca n't keep paying these exorbitant house payments. We never heard anything about whether Countrywide Loans was sued and settled. I want to know if they were sued and if a settlement was done and if we were a part of the settlement? Bank of America has now transferred our loan as of XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX and they have increased our loan payment again. SLS does n't seem to be able to tell us anything but want to send us back to Bank of America and Bank of America sends us back to SLS. Our monthly mortgage has again risen wince being with SLS. We need answers. Did Countrywide give us a predatory loan, were they sued and a settlement received, and were we a part of the settlement? Should we have received something monetarily or a reduction in our loan amount?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a very general complaint to make about my private loan lender Navient. For the past 16 months, I have been responsibly making {$450.00} in payments every month for my private student loans for a total of {$7200.00} in the aforementioned months. Because of high interest rates ranging from 8.25 % to 12.5 %, only {$2200.00} of my paid {$7200.00} have made a dent on my grand total which is nearly {$50000.00}. I completely understand that I have signed contracts which stated that my interest rates would be within these high margins and variable and therefore, I have really done my best to take responsibility for my student loan repayment. However, I took out these loans when I was XXXX years old because my parents were experiencing economic hardships and their credit scores at that time did not qualify them to take out parent plus loans to help supplement my tuition. At that time and age, I barely understood what I was getting myself into ( with the future job outlook not to mention what compounded daily interest would really look like ). I am really trying to do my due diligence but for the past several years, I have developed health conditions because I am constantly struggling financially despite having a decent paying job to the point that I could not even purchase a health insurance plan through the Affordable Healthcare act ( which does not consider private loans when it totals each individual 's payment contribution ). I am simply looking for any kind of student advocacy group that could shed some insight, advice or hope as I am really struggling with what I truly believe to be a system that is immoral, and would be perhaps even engaged in what could be considered criminal practices if not for the vast amount of political lobbying power that it possesses.

Company response to consumer: Closed with explanation