vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-31 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: FL

Complaint narrative:
I was forced to take out private loans in order to continue or finish my degree. XXXX XXXX had already maxed out, so to speak, the amount of money I could borrow from federal loans and the rest had to be loaned from private banks. Nearing graduation, about a week before graduation, I received a letter from XXXX stating that I owed an extra {$14000.00} that was credited to me by the school, and that I had to pay said balance to be able to graduate and receive my diploma. I used my life savings and wrote them a check for {$14000.00} and gave it to the finance department. In the end, I had all my transcripts for graduation but my diploma was not provided. I walked my graduation with the worthless transcripts in my diploma folder. I never went back to pick up my diploma as it was worth absolutely nothing. My resume lists a XXXX XXXX from XXXX but no employer or future employer has ever recognized me as having a real XXXX XXXX. At this point it hurts my reputation to put XXXX on my resume as education. 

The debt has crippled me financially and ruined my credit while lowering the possibilities of gaining approval from potential employers. I feel like I 've missed out on a decade of my life. In retrospect, I would have rather attended a XXXX college and transferred to a regionally accredited XXXX College instead. XXXX predatory behavior and even harassing phone calls asking to come back to school were hard to ignore and I and many others were stuck in a program that would eventually lead to crippling debt and no value whatsoever. I was already working in the field of study before starting XXXX and I did not learn anything new during my entire program. In fact, the material and books in some cases was about 10-20 years old. The books were not real text books, they were written by alumni and seemed to be published by XXXX own publishing companies. 

XXXX educators were often unqualified to teach. Many instructors were previous grads who were trying to pay down their debts to XXXX themselves. The computer labs and equipment were outdated and in most cases did not work at all. Anyone who attended classes was given a passing grade. XXXX admitted anyone regardless of mental capacity. There were people in my classes who could barely read out loud from a book. 

To conclude, XXXX XXXX was an elaborate scam. They scammed the government and taxpayers as well as individuals hoping to better their futures and contribute to the economy and workforce. XXXX XXXX was a lucrative investment only for it 's shareholders and wealthy executives, education was the least of their priorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: FL

Complaint narrative:
Enhanced Recovery Corp has been unscrupulous in their dealings with me. They submitted a claim on my credit reports for the amount of {$830.00} for XXXX. Mind you, this debit is almost 5 years old and was from an account set up from an unknown location. Before inserting their claim as a collections on my credit reports, they have to date provided absolutely no documentation, nor have they tried to contact me. They have also not validated this debit as mine. 

I have been a resident of Florida all my life. When trying to contact them, my calls are either not returned or they simply do n't answer my questions. This debit is fraudulent and I have advised the credit bureaus of this. However, Enhanced Recovery has been un responsive and I am beside myself. I demand that they remove this collections from my credit bureau reports immediately. 

Thank you in advance for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Due to the fact that my problem does n't truly exist in the drop down menu I will explain it myself in detail. I sent a Medical Creditors Validation letter with HIPPA requirements to Central Financial Control. I had my Personal Financial Consultant XXXX XXXX to speak on my Behalf with them as well. I sent a legal authorization form to them as required. This account is a medical account that was in their office and I sent the letter for them to validate the debt in the allotted time frame given by the FDCPA which is 30 days. In my case the debt was never validated by Central Financial Control. Therefore, by the FDCPA and Texas FDCPA Law which state that a debt collector must be register with the State of Texas in order to collect a debt in Texas. Also, that no Debt Buy can hire another debt collector to collect for them in Texas my debt should be removed off my credit report and out of the office of Central Financial Control.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I recently paid XXXX of my maximum credit card balance through Bank of America posted to my account on XXXX/XXXX/XXXX. The funds were directly deposited from my " XXXX Bank account '' through an electronic ACH transaction. According to " Regulation CC '' set forth by Federal reserve under the " Expedited funds availability act '' of XXXX. XXXX Funds should have been available on the " same day '' of the transaction. I attempted a credit card transaction on XXXX/XXXX/XXXX, XXXX business days later & the card was declined. Upon contacting BOA on the issue I was " continuously '' lied to about the funds lack of availability. A BOA credit card annalist stated that they only had to post the deposit to my account in order to be in compliance with the regulation. He indicated the bank had a right to place a Hold on my account for XXXX10 days for fraud analysis, " REALLY '' in a commercial electronic ACH Bank to Bank transaction. Not withstanding this " deplorable '' action prevented me from caring out important time sensitive financial transactions. BOA has long standing reputation for deceiving their customers, for " wind fall profits '' based on a long standing pattern of funds manipulation. " & unwarranted charges on customer accounts. This Pattern of behavior warrants an investigation of the Banks practices with all the appropriate fines and penalties..

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 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
After reading about the CFPB lawsuit against Navient, I believe I am victim to some of the alleged misdeeds by Navient. First, I was denied a cosigner release despite having a household income above $ XXXX. Second, I have been unemployed and without income as a XXXX since XXXX 2016, and Navient did not inform me of an income-based repayment option ; I was ushered into forbearance for the past year. The private loans are set to come out of forbearance in XXXX with a year 's worth of interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX of 2012, a fraudulent check was dispersed into my account. I was unaware and have no idea who put the check inside my account as I had my pin number written in a few places in order to remember it. I did not immediately report the transaction because it was around the time my father was going to pay my rent six months in advance. I removed the funds and paid for my rent. After finding out it was a fraudulent check I returned the money to Bank of America but not before they reported me to XXXX and closed my checking account. Because I had a checking account through the institution I attended, I was not particularly worried about not having an account with Bank of America. However, I have since attempted to open a checking account with a myriad of different banks and credit unions to no avail. It is highly upsetting when a mere misunderstanding that has been remedied over three years ago still seems to hinder me from financial freedom.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 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: TX

Complaint narrative:
In XX/XX/XXXX I entered a repayment plan with Pioneer Credit Recovery , Inc. who told me they were acting on behalf of the Missouri Department of Higher Education. The terms were to automatically withdraw {$65.00} per month from my checking account for 12 months, then I was told the loan would be in good standing and could be available for a lower interest rate. I made all twelve payments, then apparently my loan was transferred to XXXX. With the holidays I did n't realize that they stop deducting the payments so I reached out to Pioneer - all they would tell me is that XXXX was my new servicer and I should contact them. When I contacted XXXX they stated my loan was back in default status and that they had been trying to contact me, although I had received no mail or voice messages. Although I was extremely frustrated I agreed to start the entire process over with XXXX, however this time they were asking me to make a monthly payment of $ XXXX+ per month. I was working part time and had no way to pay that amount so they had me fill out all this paperwork. We submitted the paper work they requested, but we did n't hear back from them. We began calling every week - next thing we knew our tax return income had been confiscated by them without our knowledge or permission. We finally got someone to speak with and they only suggested that we file innocent spouse documentation - but what was really amazing is that they loan was still considered to be in default even though they just applied {$1800.00}. to the balance. I filed a formal compliant with Missouri Department of Higher Education on XX/XX/XXXX and had no response. Now my loan has been transferred to XXXX XXXX XXXX with an additional {$660.00} in Collection Cost/Charges and {$100.00}. of interest. I keep trying to resolve this matter, but only end up running in circles!! I have offered to pay {$150.00} twice a month, but XXXX states I will yet again have to complete a load of paperwork before they can tell me IF they will accept this money, all the while my loan continues to accrue more interest and fees. This is absurd and should be against the law. I want to know what the CFPB will do for me? What other information do you need from me to help me resolve this issue? I have never intended to not pay, but now they wo n't accept what I can pay and continue to charge me additional fees, making the total out of my reach. Please help 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 explanation
Consumer complaint received 2016-04-05 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: NY

Complaint narrative:
Ten years ago, I went into a bad XXXX program that did nothing for my future. I lived off loans and eventually landed a job only to be laid off in 2008. I held part time jobs and tried to pay down some of my loans but when I decided to go back to school, the loans were in deferment. Now I 'm a teacher and trying to pay off debts but the once XXXX XXXX now Navient loans have almost tripled in size. I do n't know how to pay them off in my lifetime. Their staff is rude, the calls from them are harassment, unhelpful and I 'm trying to figure out a concrete plan before I start giving them money. I fully intend to reach a settlement and pay that sum off. I should have never been approved for these loans in the first place. I also hold blame to the University XXXX 's financial aide department for allowing this to happen as well. I was young and too naive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX/XXXX/17, I made a payment to my Bank of America credit card. I was credited for this payment and I was able to make purchases yesterday, XXXX/XXXX/17. Today, my card was declined inexplicably. I contacted the bank and they said it was because of a " payment error ''. They claimed to be resolving it but did not get a definite date. They also would not clarify exactly why I can not use my card. The money has been removed from my account. I feel as if Bank of America has stolen my money and is giving me the runaround. I wasted over 2 hours on this issue just to get an authorization for credit I already have available on my card. They also refuse to give me full credit for my payment. They also refused to expedite a resolution. I am extremely angry at their treatment, and I feel as if they have stolen my money and are giving me the runaround for something that is their problem.

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 2015-05-23 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: TX

Complaint narrative:
I opened a Bank of America account in XXXX for {$25.00} and was going to use it as a backup account. I had forgotten, until today when I received a statement from them showing I owed {$23.00}. Having never used the account I was curious what occurred. I called and they informed me the per the terms and conditions they fee 'd the account several times. I asked them to reverse the fees and close the account. They refused. I believe this is happening to XXXX of other citizens I spoke with XXXX XXXX and XXXX XXXX on XXXX XXXX. The stated the account had been access an {$11.00} fee XXXX times and I had gone from a positive balance of {$25.00} to a negative balance of {$23.00} and per the terms and conditions they could and would continue to fee the account. This means they made {$48.00} from an account with no activity. Again, this practice I feel is highly deceptive unles you read the XXXX point font on their XXXX page agreement you will find that they will fee you. That information needs to be very clear at the front and they should notify their customers if and when they would ever access a fee of this type giving them the opportunity to close the account or fund it to a level that would be adequate. This was never done. I 'm sure Bank of America is earning XXXX from this policy which becomes a tax, especially on low income earners.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-11 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: CA

Complaint narrative:
I was first informed to set up an account with XXXX XXXX and my parents were paying a monthly loan to them on my account. We have been paying them since XXXX XXXX XXXX. We were not given any monthly request but we continued to send money to my account. When I called in after 2 years of paying the monthly payments, XXXX XXXX said that they no longer do student loans and have transferred that over to Navient. We were not notified of this at all. 

The worse thing is, that they somehow link my account to another person 's account. Thus, I no longer have an account and have been paying this other person 's account. I called in asking for a refund. We faxed our bank statements to Navient in order to verify and support our refund. We submitted the fax papers on XXXX XXXX, XXXX. We were given a refund back but not the entire amount. Navient 's claim was that they did not know where the rest of the money went. They held off our refund request. I called in continuously asking what is going on, their response was, " our research team is still doing work on this issue. '' They claimed that they would call back after a certain amount of days in order to inform me of the situation, but they did not. 

This company is lacking in its customer service. I was on the phone for about an 1 hour and 40 minutes. I always have to explain my issue to the recipient because they would not give me a direct line to a manager/supervisor. That wastes another 20 minutes or more of my time. 

They claim that they will give the rest of the refund by this Thursday, XXXX XXXX XXXX. I do not believe it. But we will see. 

I am complaining about their customer service, their productivity, switching my accounts, and their lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 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 not complied with California Civil Code 2924.17 ( a ) and ( b ). 
On XX/XX/2013 Bank of America approved MHA HAMP and MHA HAMP TPP. 
Bank of America caused to be recorded the NOD without ensuring all was accurate and complete and supported by competent and reliable evidence, and after substantiating borrower 's default and servicer 's right to foreclose. 
Also, just to correct a typo under CFPB complaint XXXX, the correct California Civil Code is 2923.55 ( f ), not 2924.55 ( f ) as stated.

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: FL

Complaint narrative:
Repeatedly denied income based payments. My income was garnished fraudulently. Interest and penalties continue to be accrued while they ignore the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: FL

Complaint narrative:
I paid off my loan with sallie mae years ago and now they are putting negative information on my credit report. The loan was settle and paid off around XXXX but it still shows on my credit history as of XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I currently have XXXX separate loans with Navient. XXXX out of the XXXX loans have a 6.75 % interest rate. The other loan has a 13.375 % interest rate. When I inquired as to why there was such a difference in interest rates, I was told they were different types of loans. I did not receive a solidified answer and was told they would submit a request to look into it. 
My second issue is that my statements are not reflective of my applied payments. Again, when inquiring why my statements were not reflective of payments made, I could not receive a clear answer. 
As a borrower, I have rights to know where my money is going, how it is being applied, and how the interest rates are calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have several repeated accounts in which show on my credit report for these student loans. I am a public service worker and tried to get into XXXX of the repayment programs, however a re presentative that I spoke with told me that I spoke with told me that my payments will be higher and this just needs to be paid. Meanwhile I know for a fact that XXXX of the schools I attended no longer exists. 
XXXX XXXX XXXX - XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation