vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I never received notice of my right to dispute this debt. My consumer rights have been violated by the reporting of this debt to my credit reports. 

This account should be removed from all credit reports immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
I have been receiving about XXXX calls per day to my cell phone which is registered on both the Kentucky and national no call registries. When I answer the calls there is no one on the line. I have not been given the opportunity to talk with anyone. I have not been contacted by any business or company that I do business with declaring that I owe them anything. I just checked my credit report and there are no negatives on the report. I guard my credit by keeping all debts current. I am never late or delinquent when it comes to making payments. My credit score is always around XXXX. I am totally confident that I owe nothing to anyone and that there can not be a legitimate reason for CBE Group nor any other collector to be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
fradulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
Central Financial Control AKA Syndicated Office Systems has been attempting to collect a debt that was paid or should have been paid by insurance ( XXXX ) had XXXX ( ORIGINAL CREDITOR ) billed insurance accurately. I had 100 PER CENT coverage for XXXX at XXXX. 
Instead I am harmed credit wise by the collector for designation and publication of this debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: AZ

Complaint narrative:
I received XXXX hard copy letters from Navient offering a reduction settlement up to 70 % of the balance ( see attached ) but when I called I was pressured and bullied into {$600.00} payments, no reduction and told I " was n't eligible '' for that letter ... .no matter that the letter had MY NAME and MY ACCOUNT NUMBER. My Mom is XXXX yrs old & a cosigner on some of the Navient, they called her XXXX15 times day ... .I felt no options existed for me ... give Navient what they want or watch my Mom so imperiled by the harassment ... ... {$600.00} is well over 25 % of my monthly take home and after XXXX it will be 40 % of my income monthly. I believe those letters were a dishonest ruse, a bait-and-switch ... .jsut to get consumers to call them ... .the letters were a LIE but I also believe that Navient put the reduction offer in writing and therefore should be held to it. I am contacting your office, the AZ XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was told by a loan officer the amount I was approved for after checking my credit and putting me on hold ( this was done via phone ) and speaking to an underwriter. The officer then told me the amount and I verified it. The officer described to me the next steps and went over the documents I needed to submit. They told me I would need to paydown my 10 day payoff first and that the bank would only forward with the paydown under the approved amount. With this information I proceeded with paying down the amount and adjusting my budget accoring to what I had been told. The day after the loan had all of my documents submitted I was called and told the amount I was approved for had changed. I tried to escalate the matter but was told nothing would change.

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 2016-03-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I submitted a complaint XXXX XXXX, XXXX ( Case number : XXXX ) attempting to resolve an issue with a home equity line of credit with Countrywide that ended up with Bank of America. An attorney from an XXXX practice replied, so I thought it was third party, but later I found out they were representing B of A. I replied to the inaccuracies of that initial response letter, but was never given the opportunity to talk with anyone with authority to resolve the issue. XXXX XXXX, XXXX I wrote same attorney again since I never heard from B of A and the 6 month extension the foreclosure attorneys had filed in XXXX had passed. AGAIN I asked to pay the money I owe. On XXXX XXXX I received a motion for summary judgment. XXXX suggested I call the filing firm, XXXX XXXX XXXX XXXX XXXX XXXX, to request a settlement. I was told the figures in the motion that was filed on XXXX XXXX are not accurate, that they reflected figures from XXXX XXXX, which does n't make any sense to me. I was told I can negotiate only with B of A. I have called XXXX XXXX for XXXX XXXX and their supervisor XXXX on XXXX, then her supervisor XXXX XXXX on XXXX, then her supervisor XXXX on 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 non-monetary relief
Consumer complaint received 2017-01-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased a custom {$970.00} costume from XXXX. The merchant sent a damaged and unusable item. The merchant said she would start a claim with XXXX and send me a prepaid return label to return the damaged item to he and she would give me a refund. I waited day after day and she never sent. I have proof of the text messages of me asking her every day for the label and her ignoring me. I sent records of my phone bill of me trying to contact her and her ignoring me. I filed a claim with the Bank of America and they initially gave me my money back. Then the merchant lied and said she told me I had 3 days to return the item to her on my own. You can see in all her messages that I have from her that that never happened and she told ME to wait on HER sending the prepaid return label. I have pictures of the damaged items that she saw and her response to seeing them. I have all the proof that I need that she sent me damaged goods, claimed she started a fedex claim, ignored me and never sent a prepaid return label and essentially stole my money and left me with damaged goods. She did n't answer any calls or texts and left me to file a dispute against her with credit card company. Where this becomes Bank of America 's fault is they sent me a letter asking for this proof, I have faxed the proof to them twice and have the fax confirmations that both times the faxes went through. They never reviewed any of my proof and sided with the fraudulent merchant. I spoke with XXXX in XXXX and sent the proof to him on XXXX/XXXX/16 when claim was active, I called again when I received a letter saying my claim was denied and spoke to XXXX in XXXX and she said to go to a Bank of America branch and re fax the proof with the confirmation proving that it went through the first time and I did that as well. XXXX at B of A on XXXX XXXX in XXXXXXXX sent it again and AGAIN I got confirmation it went through. XXXX said to call back in 48 hours to make sure it was received and I did that. I spoke to a very rude guy named XXXX in XXXX and he said they did n't have any faxes, yet again. I said I have proof that they received it twice and he did n't care. I asked to speak to a manager and was put on hold another 10 minutes before an even ruder and less helpful guy named XXXX in Maryland came on. He said I was " out of luck '' because they did n't receive anything. But really I am out of luck that B of A is incompetent when I have proof they received my faxes twice and did n't bother to review them. How is my bank, my cc company, siding with a woman committing fraud and they wo n't even look at the proof that THEY asked me for. I am disgusted by their incompetence and lack of effort. I will be canceling all cards and filing a civil suit against the merchant.

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 2017-01-20 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: NJ

Complaint narrative:
My student loans are repayment and serviced by Navient. Earlier this month, I was late in paying. However I made a payment on XX/XX/2017. Yesterday ( XX/XX/XXXX ), both my mother and friend received letters in the mail from Navient stating that they needed to speak with me about the delinquent account. I never provided Navient with the names or contact information for either of them. Additionally, I never authorized Navient to contact anyone about me. This is an invasion of my privacy. They have no right to contact anyone about my personal financial matters. I demand that they stop this practice and remove any unauthorized information from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have called XXXX times to Bank of American to remove my PMI and I was told each time that they need me to complete forms that they will not send. They say they send them but after calling XXXX times to ask why I have yet to receive any forms they just tell me they mail them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a Reinstatement Calculation document from Bank of America with instructions on how to reinstate my mortgage. I sent a check to BofA which arrived at XXXX on XXXX XXXX, 2015. According to the Reinstatement Calculation document, I should be able to call anytime between XXXX & XXXX Monday through Friday. I tried calling today at XXXX to confirm that the check had been received by them. I called the phone number given on the document. I was sent to my account XXXX 's voice mail which stated that she takes calls from XXXX to XXXX. Her manager 's name was given as an option to talk with instead of leaving a message. However, his hours are XXXX to XXXX. I tried calling back and did not given the account number hoping I would be able to get someone that way. The automated answer was that I either needed the account number or the address and social security number so it could transfer me to the account manager. 

Bank of America 's document states, " If you have any questions about the information above or if you want to confirm that the funds have been received and applied to the loan to stop the foreclosure, please call XXXX, Monday-Friday XXXX. to XXXX. Local Time. '' This statement is incorrect as I tried this several times and the only person I could get to was the account manager 's voice mail. 

Please see attached document.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: VA

Complaint narrative:
I have a private loan with Navient and my payments are too high too pay, and ya 'll say I 'm not able to lower my payments, in which it makes it hard to keep the payments current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Have had the same problems they would n't help us and kept adding on the interest. I am XXXX and kept telling them this ' is a fixed income plus they put in default. Not cool

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX, XXXX To whom it may concern, I 'm filing this complaint, with the hopes that you will please assist me in resolving a Release of Lien matter with Bank of America. 

I originally signed a balloon HELOC loan with them on XXXX XXXX XXXX. That 's loan matured on XXXX XXXX XXXX and I am unable to make payments on this. When I signed on that loan, I was just a couple of years away from depending entirely on SSI comma for income, yet I spent the next ten years, depleting my savings, making certain that they got their payments and over the course of the loan, paid just over {$30000.00} in interest on this note. 

The note is due and I can not pay it. I 've turned to a broker, who negotiated the sale of my home, last month, and we 're getting absolutely NO COOPERATION whatsoever from Bank of America on this matter. 

There is a first position on this loan - XXXX. XXXX will be receiving full pay off and there is roughly {$5000.00} in Surplus cash to offer to Bank of America to settle and release this note. 

I can no longer to afford afford to even pay my primary mortgage payments, moving forward, and desperately need your assistance with this. 

THANK YOU! 

Loan information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Loan number - 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 2016-06-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I became injured and unable to perform my job 12 months ago and can not pay my private loan anymore. I have told Navient this repeatedly, and they are now harassing me, my mother, and mother in law with constant phone calls and letters. They will not stop. They have also hung up on me when I have returned their calls to state my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: SC

Complaint narrative:
They put my account into default when they were supposed to put a forbarence on it ( hurt my credit causing hardship ). Then they enrolled me into a program where i paid XXXX payments of XXXX $ to get out of default. After that someone from navient CALLED ME and we setup a payment plan of {$5.00} a month for the next XXXX months. I paid XXXX months on that plan and got a letter for them for {$68.00} a month. So i called them about it and they said there had been a mistake and i had to send them a letter or something and they were sorry but i have a forbearance and they could apply it to the account. She clearly stated in a recorded phone conversation that putting the forbearance on my account will not hurt my credit any more. So i agreeed. And now my credit score just dropped XXXX point. Please help i need this off my credit score i cant even get approved for an apartment. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
We chose Bank of America to do our mortgage when we decided to purchase a house. Bank of America assured us they would make our closing date, but when the closing date came, neither I, nor my realtor, nor the title company could get a hold of them, until they admitted they had n't completed the paperwork on their end and the house would n't close on time after all. The house went out of contract.

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 2017-02-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has prematurely, improperly, and unlawfully began and continued the foreclosure process including the foreclosure sale of my home and property. 

Bank of America 's motivation for the premature, improper, and unlawful foreclosure and sale is due, in part, to my refusal to accept the Bank of America settlement agreement with the DOJ and AG offer of XXXX XXXX, XXXX and the terms of the now foreclosed upon XXXX Deed of Trust changed requiring Bank of America to pay all property taxes and insurances on my behalf. What this means is until a settlement offer is accepted, the bank must continue to pay out on my account. It basically costs the bank several XXXX dollars a year on an account pending in the modification process where I am not required to pay monthly installments until the modification process is complete, as a matter of law. These two things, when coupled together, is why Bank of America chose to Dual Track and begin the foreclosure process before completing loss mitigation processes. 

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 2017-03-07 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: CT

Complaint narrative:
I have a student loan with Navient with automatic debit. A few months ago I opened a new checking account and updated the information on their website. My profile states that my auto pay account is the new account provided ; however, the previous XXXX months Navient withdrew the funds from the old account resulting in two {$35.00} overdraft charges on the old account. After a phone call with customer service, I discovered that I needed to go to their " old '' site to make the changes. None of this was noted in the website I was directed to and seeing how my profile listed my new bank account number as my auto pay account I assumed that this was the account that was going to be debited. Navient needs to properly update their online system to reflect how this change needs to occur and reimburse me the fees charged. The school I attended was XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX 1998 Countrywide /Bank of America issued a mortgage loan under my social security information without XXXX or XXXX verifying as they claim they do .In XXXX 1998 i was only XXXX old I was n't of age to obtain a mortgage loan yet pay for XXXX. Do to this negligence not only have they stolen my identity, my social, they have committed fraud, they have sent to my credit report that i am deceased. I cant apply for my dream home, apply for a car loan or anything for that matter since I look like the XXXX committing fraud over their " XXXX '' game as Countrywide called it to get a mortgage out for their numbers. They have allowed fraud just to get what they need and not think of the consequences that will occur.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America sold my mortgage XX/XX/2013. At that time I was in a program were my payment was taking out every 2 weeks. In order to get into that program I had to be paid 1 month in advance. When they sold my loan to XXXX XXXX XXXX they did not offer such a program so I was told not to pay the last month with Bank of America. A few months later I noticed a late payment on my credit report. I argued this with Bank of America and they removed it from my credit report. A year went by and this reappeared on my credit report. I 've yet again argued with Bank of America but this time they wo n't remove this. It is negatively effecting my credit and I just want it removed.

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