vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/2016 - Checked my credit report and found inquiries from company on the following dates : XX/XX/2016 XX/XX/2016 I did not put in an application for this company and my credit report should not have been run.

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 2017-01-20 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: MA

Complaint narrative:
Navient/Dept of Ed/XXXX and others have all lost all my student loan documents as original instrument of debt in it 's original form, and have repeated told me this in writing many times. They also can not verify any of the interest they have been charging me on these loans from XXXX ( both XXXX and XXXX ) is even accurate, with the exception of one XXXX loan which was for {$4000.00}. The interest is now over {$280000.00} on these loans and I can not get any information about them, since the loans are now too old and they have lost all the original information. In addition, many of my XXXX Loans which are included in this consolidation have been in a lawsuit for fradulant activities. I have since received a settlement from the Massachusetts Attorney General 's office for fraudulent activities on my XXXX loans, but Navient/Dept of Ed or XXXX do not care that there were any fraudulent activities, nor do they care that they have lost all this original documentation, and refuse to give me any exact accounting of the interest they have since applied to this loans. They refuse to even consider that there is any error here. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I hired someone in IOWA to do work for our company. They never delivered anything. My company requested a refund. Initially he refused to issue a refund. Then agreed to a partial refund. He never made any effort to give any money back. We filed a claim with paypal who denied our disputes due to him lying and giving the false tracking number # XXXX. We then filed a chargeback through our Bank - Bank of America. The merchant has confirmed IN WRITING that they owe a refund and that they are NOT WITHOLDING our chargeback. They have agreed to refund us and say that XXXX has already WITHDRAWN THE FULL AMOUNT OF {$4600.00} from his account! All that is left is for BOA to credit my account. 

For almost 60 days now, I have made close to XXXX phone calls, spending hours on the phone with BOA who has also lied and has given us the runaround with false escalations, etc. 

First they were waiting on response from paypal ( not true ), then they claimed evidence was given ( not true ), they never sent me any paperwork, never sent me any emails, and never let me speak to so-called " investigators '' who make the actual decision. 

I have been mysteriously disconnected after waiting on hold in excess of 30 minutes multiple times. All of this, and they are supposed to be ON MY SIDE of the dispute. 

All evidence points back to BOA witholding information, dragging their feet and not showing any interest in resolving this issue. One rep told me " I do n't know why they have n't even looked at your request yet ''.

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 2015-12-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited a check from my old company 's benefits program for XXXX at Bank Of America on XXXX XXXX, 2015 to find out that the receipt says : Available Now : $ XXXXAvailable Balance : $ XXXXHold notice has been placed on your depositTotal amount delayed $ XXXXFunds Availability on XXXX XXXX, 2015 by XXXXReason : A hold was placed on your deposit because the account had multiple overdrafts inthe last six months. 
I can not AFFORD to wait another 11 days, because I have been out of work all year, and my bills are BEYOND being backed up now.I am almost homeless. 
CAN I WITHDRAW this money and just go somewhere else?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
pioneer credit called my home phone with a vm message that was perfectly clear regarding the purpose ( to collect a debt ) but as soon as the name of the person they were looking for was spoken it turned into goobley gook. same thing happened when they left a call back number ... i guess the goal was a caller id call back, sounds like a process server. these calls came in sequence of XXXX 's, all the same. THis went on for XXXX to three weeks, everyday ... varied times. i had enough dialed back and was immediately bombarded with 'who am i? ' i refused to answer, referring to my number on their caller id. i have an amazing credit score and this is a treat to me ... i never owe and dont pay. the XXXX on the phone thought the whole thing was funny i guess to antagonize ... well he did i asked him how secure his 'glass house was ' and let him know XXXX ny ( their office ) was not on the other side of the country and i got a call the next day from their 'security officer ' tel number XXXX XXXX ... Navient but it was a cell call ... he told me he would send the local police to my house and have me charged with a 'XXXX ' i agreed that the 'threat ' was made out of frustration and listened to him chastise me for twenty minutes for being in his airspace ... bottom line, XXXX ( me ) has a mid XXXX XXXX and pays his bills before they are due forget about late. btw, they were looking fro someone from XXXX, no relation and he has a facebook

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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have contacted NAVIENT several times since they took over my loan. They never would provide me with any other option than an outrageous payment amount. My husband is XXXX XXXX XXXX XXXX and we do not have the funds for child care. I can not work because I do not have anone to care for my children otherwise. I wanted to make payment arrangements but all I was offered was hundreds of dollars a month or 1 lump sum. I paid {$200.00} a while back but nothing ever changed on my account. It has made paying student loans impossible and completely pointless. Why pay when they just take your money!? This company is scandalous at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bank with Bank of America and I am sick of their NSF fees. I have set up daily text to notify me of balance because I am human and sometimes forget how much money I have, etc. I am currently unemployed so I usually deposit money to cover my bills, etc. 
Today XXXX/XXXX/17 I got a message that my account is overdrawn since yesterday and have racked up {$70.00} worth of NSF Fees. I understand that it is my responsibility to have money but I 'm unemployed and on a tight budget. Anyhow I have been charged with XXXX NSF fees because although I had enough to cover the bill I paid on Saturday they decided to post another bill that was paid on Monday and then post the Saturday XXXX. The bill posted on Monday overdrew my account and then the Saturday bill overdrew it more. It upsets me because I had enough money to pay the Saturday bill but they will not refund me the NSF for that bill because of some mumbo jumbo " hard post '' to yesterdays bill. 
On top of that I never received a text from Bank of America notifying me of my daily balance yesterday. In fact whenever my account if overdrawn they never send me the daily text to " warn '' me and let me know my account needs attention instead they wait until the next day to let you know but by then its too late and you 're shoved NSF fees. I find it convenient that they never seem to get the text out on those days but they managed to get another text about their offers out to me.

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 2016-01-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I filed bankruptcy back in 2010 and it has been discharged for a few years now. I let my home go and Bank of America was he lender on this. I continue to get letters from them and statements after I have asked repeatedly for them to stop sending me these. I also asked them not to call me and they call me every once in awhile. The home started to go into the forclosure process. I recently got a letter about an application being submitted in my name and I did not submit any application. Bank of America is continuing to harass me and will not stop. They completely disregarded my cease and desist letter as well after they acknowleged they recieved it. I need to stop is is causing me health issues. I am not sleeping well and I ma have constant panic attacks. Please do something to make this stop. Property Address is XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX

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

Complaint narrative:
This is in response to complaint XXXX recently submitted. It is our understanding that Bank of America wants another 60 days to review and answer the complaint. We are just going around in circles without BOA answering and doing something about the original complaint XXXX. Nothing will change. They have done this in the past of wasting time with no results. We ( my wife and I ) do not want to work with BOA and instead are asking The Bureau of Consumer Financial Protection agency to step in and research this case. Like I stated before in the previous complaint, we are going to seek legal advise and another direction away from BOA. We do not want to do business with them again. How can I make it any clearer than that. BOA does not work with it 's clients in these particular cases. Consumer Financial Protection has all our documents and we hope to call them quickly to see where we can go from here. The CFP should be doing an investigation rather than giving more time to BOA because this will continue to happen. So far I 'm disappointed with the help of our government.

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 2017-01-20 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: KS

Complaint narrative:
Wanted to lower my payments ... they said I had to default on the lones if I want to lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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: GA

Complaint narrative:
I went to XXXX XXXX XXXX XXXX with the promise of helping with job placement and have n't heard anything and I graduated 6 years ago. They 've never called for my certification testing or anything. Now my loan is in default because I have no way to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
was unable to locate or contact the reporting company that was reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I met with XXXX XXXX at Bank of America to start the HARP refinance of my existing BOA loan. I was to be for 4.125 % which would save me over {$200.00} a month. I now have a loan for 5 %, payment {$1600.00}. I have been with BOA since XX/XX/XXXX. My record of payment speaks for itself, never late, never missed a payment. It is now going on 5 months since this process started. First BOA said I needed a survey for my garage, built in XX/XX/XXXX. I got a copy from XXXX County and hand delivered it to XXXX XXXX. They said it was not acceptable and wanted me to pay for another survey. I received a settlement letter on XXXX/XXXX/XXXX from BOA, ( see attached ) that my cash settlement fee would be {$8000.00} and my new payment oat closing would be {$1500.00}. Which was incorrect. Another settlement letter came on XXXX/XXXX/XXXX. This one said my fee would be {$2900.00} and my payment would be {$1500.00}. Still XXXX XXXX said to ignore it, that these were wrong and they would send me a new settlement agreement. Then I got a letter from BOA, XXXX/XXXX/XXXX, saying that my house did not have a acceptable Title. ( see attached ). Then a delay of several weeks, XXXX XXXX of BOA said to ignore their letter of XXXX/XXXX/XXXX. As of today, I still do n't have a settlement, or closing date. It is going on 5 months. During this whole time, XXXX is holding my Home Equity loan and we ask them to sign a Subordination agreement. Again, impeccable record with them. I sent a check for {$250.00} with the paperwork, still did n't hear anything. They then said they did n't receive the check and paperwork, I wrote another and hand delivered it to the bank. They then said they could n't do the Subordination because I had too many delinquent accounts. I do not have any credit outstanding! I pay cash for everything and pay off my credit card every month, my Score is XXXX. This again delayed everything. Then they sent the missing check back to me and yesterday I received a notice telling me that they are cancelling the Subordination because of non payment of the {$250.00}. They second check was cashed on XXXX/XXXX/XXXX. One thing I do have to say is that XXXX XXXX has gone above and beyond everything he could do for me. They Cluster starts when it gets above his level and then no one has a clue.

Company public response: Company 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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Every time that I called to try and alter my repayment type, they were saying that there was really no way to improve upon my payments. For some reason, I was still having to pay over {$2000.00} a month. This took a huge hit on my financial situation, and eventually had to go a different private route that has become difficult on its own. I also felt that every time I made a payment, the total principal barely went down. When I questioned this to them, they were saying that I was unable to pay off the principal more, and was only able to pay the interest at this time and what was minimally owned. It became increasingly frustrating that I was being forced to pay so much off, and the principal barely lessened over time. Something definitely seems off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good Morning to whom may concern, RE : Case XXXX, I, XXXX XXXX XXXX still in disagree with Bank of America in regards its refusal to delete of the Full Reconveyance ( Home Loan ending in in XXXX ), the last three lines that states on the scenario of full collection enforcement of the debt related to this Deed, even it was already BK Chapter XXXX discharged. 
So Far, I just received a letter of a third party " Law Firm '' from BofA that states on this matter wo n't be enforceable by any form by collection. 
I am in demand that Bank of America ammend the Deed of Reconveyance with the last lines related to the possibility of collecting the discharged debt. 
I 'll considering this matter dismissed when this legal recorded document has been edited with the part in conflict is deleted. 
This will be corrected in writing, clears the water. 
Thank You CFPB Staff

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 2015-07-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
Navient called and informed me that they would initiate litigation unless I worked with them to bring my loan current within 4 days of XXXX XXXX 2015 ( referred to as 'today ' ). They asked if I could pay the loans totally XXXX in full today, and I responded I could not. They then asked if I could pay 85 % of the loans today and I responded I could not. They then asked if I could make a XXXX dollar payment today to bring the loans current and avoid litigation. I said I could not. I offered to make a payment at XXXX the normal amount today, as well as XXXX next month and so on until my loans are current in XXXX 2015. I 'm not sure how current or paid in full or else recommended for litigation in 4 days then turned into current 4 months from now and I 'm no longer in danger of litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After reviewing the response from XXXX on my initial dispute, they stated BofA was the once who charged off this loan in XX/XX/XXXX. I am sending you the credit history from XXXX XXXX XXXX who serviced the loan for BofA from XX/XX/XXXX until XXXX XXXX at which time BofA contacted me and told me they were assuming services of the loan and to cease payments to XXXX XXXX XXXX immediately. This is where I believe the problem occurred. I stopped making payments to XXXX XXXX XX/XX/XXXX after 2 years of on time payments per instructions from BofA. After calling XXXX, I discovered BofA did n't notify them until XX/XX/XXXX and unknown to me, they reported 4 months of delinquent payments to BofA. I was in constant contact with BofA from XX/XX/XXXX until XX/XX/XXXX when XXXX took over servicing from BofA and immediately charged off the loan. BofA starting in XXXX XXXX immediately put me into a new modification and refused to accept any payments until the modification was complete stating that they could not accept payments until the completion of the modification and assured me numerous times it would not negatively effect my credit. BofA obviously neglected to contact Real Time Solutions for 4 months after instructing me XX/XX/XXXX to no longer make payments to XXXX XXXX XXXX and must have continued negative credit reporting during the modification process and knowingly not accepting payments and eventually charged off the loan. BofA needs to remove this from my credit as it is causing me financial hardship. This loan was never delinquent and should not have been charged off. Attached is the entire credit history with XXXX XXXX XXXX, BofA and XXXX. Please research this with BofA and have the chargeoff removed from my credit per XXXX response to my initial dispute and the supplied credit history.

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