vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America credit card promised in writing triple XXXX miles for credit card charges made from XXXX through XXXX 2015. I made almost {$10000.00} in credit card charges all of which have been paid based upon this promise. Bank of America refuses to honor the agreement even though I have submitted the confirmation email to them. They have wasted my time with circuitous to empty emails, phone calls and chat rooms. I believe they have misrepresented to induce more purchases. Thank you very much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I have an ongoing billing dispute with XXXX XXXX, that they have never actually acknowledged. XXXX has reported the account in question as a collection record to all three credit bureaus, blatantly disregarding the XXXX. With that matter still under investigation and my lawyer currently pursuing the deletion of this record from my credit reports, I received a collection notice from a XXXX party collection agency on XXXX/XXXX/2015, demanding payment for this same account in the amount of said {$780.00}. It 's essentially 'double jeopardy ' in the credit realm. Considering the express fact that I do NOT owe XXXX XXXX any money at all and the ongoing FTC and legal complaints, it is highly inappropriate for XXXX XXXX to assign this account to yet another third party collection agency. NOT TO MENTION that XXXX XXXX is still attempting to harass me to collect on this same account. This is the XXXX time XXXX has " sold '' this account to another collection agency. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: MA

Complaint narrative:
I have been sued by Jefferson Capital on an old credit card ( Salute card ) I opened in XX/XX/XXXX, I provided them with a copy of my old XXXX credit report. it 's listed it as satisfactory account closed without any outstanding debt. I communicated this info to the law office collecting the debt on behalf of Jefferson Capital. I was told that the account number does not match what they have. I mailed a letter to original creditor ( salute card ), they responded that my account was old and therefore was removed and purged from their system. They never provided me with complete accounting of the debt nor whether the debt was transferred or sold.As matter of fact, I was only given one copy of generic statement. I also point out that Jefferson Capital was sued by XXXX back in XX/XX/XXXX and a settlement was reached. This is a deceitful tactic from Jefferson Capital to report the account under wrong account number to give them leverage to sue by providing the accurate account number this time.Since my account was closed in XX/XX/XXXX, I never received any collection letters from Salute that I owed money until I received notification from the court before small claim in XX/XX/XXXX. They levied my house and tied my hands to not be able to refinance to pay for my kids college tuition. I tried to settle the account even though I do n't owe anything to them, I pleaded with them and provided them with proof of financial hardship but they ignore my offers, emails and phone calls. I only wanted to settle so they can free up my title but they are just playing games with me and do n't have the courtesy to respond back to me. I was honest and told them the reason of my settlement and that I am pressed of time to finish my refinance in order to pay my college tuition. They are just taking advantage of my situation and my emotional distress. I can provide with any supporting documents. I also would like to reference the lawsuit against Jefferson Capital in XX/XX/XXXX, Case XXXX XXXX XXXX Filed XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 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: KY

Complaint narrative:
I was scammed by XXXX out of more than {$7000.00} dollars just for one semester. It did not improve my way of life or help with anything but increase my debt. I can not pay this back as I have no means too

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On two successive days, XXXX XXXX, XXXX, I called Bank of America about a fraudulent charge on my credit card account from XXXX XXXX XXXX. The disputed transaction was a {$100.00} charge for what I was told was a free warranty car battery replacement. The B of A representative I spoke with said that because XXXX had physical possession of the card at the time of the charge, no fraud could be filed. I responded that XXXX XXXX had asked to see the card to verify when the failed battery had been purchased, and told me there would be no charge for a warranty replacement. After that, I was transferred to the B of A Fraud department. The man I spoke to said he would file the claim but that he had to send me new cards for family and myself. He said it would take up to ten days. 

When I did n't receive the new cards I called back was told they would get back to me. I never received the cards. When I checked again I was told the account had been closed at my request. Since I never made that request I responded that someone in the Fraud Department must have made a mistake. I was told they would get back to me. Subsequently, I received a letter that the fraud claim had been processed and the charge had been removed from the account. But my account was not re-opened. When I called again the credit card department said they would again request new cards. 

On XXXX XXXX, I called to ask when the card would arrive. I asked to speak with a supervisor. He said the Credit Department had refused me credit. I replied that I had opened my card account in XXXX XXXX, had made over {$50000.00} in purchases since then, had paid my account balance on time every month, have an account surplus of XXXX, and had my credit line increased in XXXX XXXX. He asked about my credit history. I said it was the same as it was when I first applied and received credit in XXXX. He said he would check with the Credit Department and call me back at XXXX the next day. He never did. 

My complaint is : 1. Someone in the B of A Credit department had falsified information to make it seem that I had requested my account be closed. 
2. They then used that falsification to deny me credit in retribution for filing a fraud complaint. 
3. My credit history has remained the same since XXXX. The only bad mark on my credit was a bankruptcy filed in XXXX that had not prevented me from receiving credit from the bank in XXXX. The bank 's action is unwarranted.

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 2015-04-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We applied for a mortgage modification and were approved for a XXXX modification, but the payments are much higher than the original payments. When we reviewed the modification offer with Greentree, who is the servicer, our gross income, which consists of only XXXX income from Social Security and my husband 's pension, was significantly higher than the actual gross. The servicer said they " gross up '' the income by adding 25 % of the non-taxable income to the actual gross income, which in our case was more than {$500.00} than we actually receive. My attorney reviewed the XXXX guidelines and the " gross up '' is in their Selling Guide, but not in their Servicing Guide. When we asked Greentree if they would provide a citation to the section or provide the actual documentation they refused and said they were not allowed to do this. This violates the XXXX guidelines because the modification is not 31 % of our gross income, but 31 % of a fictitious income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: AZ

Complaint narrative:
I have been investigating my loan since before my school closed I filed a police report for fraud and Navient still is charging me for this. I have provided information to both them and XXXX re this private loan. Non of them are helping and I still have to pay it since its effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CL Holdings LLC
State: WA

Complaint narrative:
I keep getting letters for the past few years from different collection agencies on an account I closed 10 years ago. DOFD has been re-aged and I keep getting harassed. Current creditor is : Jefferson Capital Systems / XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Nevada XXXX and Original Creditor is XXXX XXXX. 
I am also in the process of reporting them to the Federal Trade Commission ( FTC )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: CO

Complaint narrative:
My student loans from XXXX/navient gave me interest rates I would never be able to pay back unless I got an incredibly well paying job while also paying for other loans and living expenses. On several occasions they have conviently lost my payment information and wait to inform me a month later on collection instead of informing me before incurring monsterour late fees. 
They 've also made me do forebearance already so now I am stuck if I can not make payments in the future for other reasons. When I did file for income based repayments they never sent me documentation so I know the terms and how long I have for the income based program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
After many attempts to modify the mortgage on my home that was set to balloon I was forced to follow Bank of America 's advice and to short sale my home. 
My home has been listed since XXXX 2015. I received a purchase offer on XXXX XXXX, 2015 and submitted the offer to Bank of America. Two months into the process, with all documents submitted, appraisals complete, I was only waiting on Bank of America 's response. Bank of America abruptly closed my short sale file on XXXX XXXX, 2015 because they stated, there was a field missing my agent 's license number on the Bank of America Short Sale addendum. Instead of communicating this problem with me, Bank of America closed my file and told me I had to start the process, that already took two months over again. We just completed resubmitting all of the documents and I received a letter stating that Bank of America sold my loan to XXXX XXXX XXXX and I will have to start this process over a third time once this loan is transferred in two weeks. I believe Bank of America closed my short sale file because they knew they were selling my loan. Instead of allowing me to take advantage of the XXXX short sale that we were approved for and that they advised me to do, they sold our loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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: IA

Complaint narrative:
Have loans from XXXX XXXX XXXX, I ask all the question to recruiters about credit transfers and wanting to obtain my bachelor 's. I quote would n't you rather go to a school that 's nationallyaccredited and not regionally?! XXXX. So much more involved charging amounts I never authorized. Putting more against my credit. I actually cut losses and started over about rear later after learning KY degree would n't be honored. Please help they are n't owed a dime after living so blatantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My house was put on the market last year as a short sale when my ( now ) ex husband went to jail. The house was upside down and I could not pay for it alone with XXXX kids. I quickly got an offer in XXXX or XXXX XXXX. Bank of america short sale dept closed the short sale multiple times and made us start all over each time without notice due to " inadequate documentation ''. Each time we proved they had the documents already, but it was too late, we still had to start all over. This went on and on until spring of this year XXXX. They finally accepted the offer, but still could not close in a timely manner and my buyer backed out eventually which then put me on the foreclosure list. I had about two weeks to come up with money to keep from being foreclosed so I signed a deal to modify the loan and borrow the money to stop foreclosure. This gave my realtor time to find another buyer. She did. Now I have had this buyer since spring. His offer is even better than the first buyer. My initial close date quoted was XXXX XXXX and that has now been postponed. They still have not made a decision about accepting the offer or not. BOA had actually accepted the previous buyer 's offer which was less. I have moved out of the house. I am no longer able to pay for it. Bank of america is impossible to communicate with. I am getting nowhere with this and if this buyer gets impatient with them it will foreclose. I know foreclosure benefits no one. I do not understand what the ongoing delays are. I am almost at a year of nonsensical delays. We have been moved from one customer relationship mgr to another, all of which do not communicate well. If the home forecloses it just forecloses, I am not interested in retaining the property, but it seems ridiculous when I have a buyer that can complete a short sale.

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 2016-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My wife and are both in repayment for our student loans. I am having problems with my loan servicer. My loan servicer is Navient. I have been trying to pay extra toward the balance of my loans, but I have had a problem getting Navient to apply these extra payments correctly. I would like these extra payments applied to the principle of the loan and not the interest, just like how my wife does with her loan servicer when she makes an extra payment. Navient claims that there is no way that this can be done. It is frustrating that I know it can, and I do in fact apply extra payments in this way with another loan servicer. I have contact Navient on several occasions to try and resolve this issue, however no resolution has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Canceled a service due to false and inconsistent availability of service. Communicated this cancellation to credit card company prior to canceling so I will not incur the monthly charge. Credit Card Company decided four months later to honor their cancellation fee when I had established that the merchant had no right to charge my card. Credit Card company gathered information from the merchant and decided they would honor their request. Credit Card company advised me they received information and after thoroughly reviewing the case they could not assist me. Upon reading their case, I found the merchant has provided them with a credit card agreement form with a invalid date of signature. Meaning, the merchant provided them a false document. The merchant provided them an agreement form of 2013 when services were not rendered nor established an entire year subsequent to this. Clearly, the merchant has gone through many obstacles to get paid ; even providing false documentation. When I advised the credit card company, they stated they will not get involved ... .although they did because they acting as a third party and granted a payment without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been paying this Equity Home Loan for 10 years. I have paid over {$100.00} every month for the past 10 years and this month they said that I will now have to pay {$220.00} a month and if I do n't they are going to take my home. I am XXXX and XXXX and I get a total of {$820.00} a month. I do n't have enough money to pay my mortgage, this loan, utilities and have food to eat. These people prey and the elderly and are trying to take my home. They said that all the money I have paid for the past 10 years has not been taken off the loan at all. After 10 years I still owe the same amount if not more.

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 2017-01-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had an XXXX XXXX Visa Card issued by Bank of America. The annual payment came due in XXXX XXXX and I decided that I no longer wanted the card. I contacted BoA customer service in XXXX XXXX and after their several attempts to retain me they agreed to cancel the account. On XXXX XXXX XXXX I received a bill for the annual card fee. This bill contained a BofA late payment warning fee. I immediately called BofA and determined that, although they cancelled my account, they did not cancel the annual fee and have been reporting my account as past due to the reporting agencies. I spoke with XXXX XXXX at Bof A ( XXXX ) and she assigned case no.XXXX. She assures me that my account will be credited and that the credit reporting agencies will be notified that there was/is no late payment.

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 2017-02-13 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: MO

Complaint narrative:
Due to the federal lawsuit filed against Navient, I am concerned that my loans can not be verified. I am also very concerned about the allegations of the Federal lawsuit that have been made and filed against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My home was foreclosed in XXXX and the foreclosure was complete in XXXX i have recived the transfer of deed from my name to Bank of America the complaint is its still on my credit report and would like it removed from my report so i can start new with my family i have requested for it to be removed but i have still yet to hear from them

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 2016-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
Seventh Avenue company from XXXX WI claims I owe their company XXXX this debt appears on my credit report. I have contacted the company by phone, email and letters but to no avail. They asked I complete a FTC identity theft form but my identy was not stolen. I am asking that this debt be removed from my credit reports as it is not mine. I sent a letter months ago that they have not responded to.

Company response to consumer: Closed
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient is calling repeatedly. Getting multiple ( 4-6 ) phone calls per day, some as late as XXXX. Generally call twice in a row each time. If the first call is ignored, they 'll call again immediately after. Even when answering the call, they wo n't say anything and it 'll just be silent. They 'll leave silent voicemails when a call is n't answered.

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

Complaint narrative:
I received a student loan from XXXX XXXX which now go by the name Navient and I have been XXXX and Have lost a large portion of my income. Navient has called me at my employer multiple times, called me after XXXX at night on multiple occasions used intimidation tactics and threats in an attempt to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: CA

Complaint narrative:
Tried numerous times to consolidate loans, using foreberances ( Navient still withdrew money from my account, causing overdraft fees from my bank ) and the website is not very user friendly.

Company response to consumer: Closed with explanation