vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I have a loan with Sallie Mae ( XXXX ) that I 've been struggling with for years. I 've been able to make payments again recently but still have a small balance past due as they will no longer grant me forbearance. In addition to calling me and my cosigner at least 7 times per day, they have begun calling family members of mine who are not on any of my loan documents. Specifically, they have begun calling my father 's girlfriend on her private, unlisted home phone. My father did not cosign my loan. He had nothing to do with it. He 's not even on my birth certificate. He lives XXXX miles away. I 'm not sure how they found him or gained access to their private phone number. It 's terrifying. My loan is roughly {$20000.00}. I 'm past due on about {$1000.00} but have been making payments. This is effecting my mental health especially now as they seem to be stalking me and somehow gaining access to my personal information outside of my loan documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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: NY

Complaint narrative:
I had a private loan that had partly defaulted because of XXXX/Navient 's unwillingness to work with me with during a time I found myself unemployed. It was only after the loan defaulted that I was able to work something out with the debt collection agency, XXXX XXXX. The loan was eventually paid off as agreed under a settlement on XXXX, 2016. For several months I pleaded with XXXX the collection agency and with Navient to provide me with a letter that indicated the loan was paid as agreed. XXXX parties insisted that it was the other party who had to provide me with said letter. After many calls finally Navient sent me a letter on XXXX XXXX, 2016, but the letter as it is written is inadequate as it does not state in an unequivocal manner that the loan has been paid and completely satisfied. The letter they provided indicates that once the funds from the final payment clear, Navient would consider the loan fully paid. But my issue is that the final payment was made back in XXXX, 2016 and the letter was written in XXXX, 2016, I would assume that in 4-months time an electronic payment would 've had enough time to clear. I have called Navient multiple times requesting a proper letter that clearly states that I have paid the loan in full and as agreed but they are refusing to provide me with this letter, instead, and once again, they are redirecting me to the collection agency claiming that it is the agency that must provide such letter, but the agency fully rejects this assertion and sends me back to Navient. Every time I call Navient and request to speak with either a manager or their legal department their response to me is that they can only connect me with a supervisor 's voicemail and will not allow me to speak with their legal department. When I ask to get put through to leave the voicemail for the supervisor I am placed on hold and summarily get hanged up on, repeatedly. I have been getting the runaround for months now and have had it. Since they will not make this right I think it 's only proper to report them to the proper authorities in the hope that others will not have to endure the same heartache as I 've had to at the hands of this shady company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to open an account with Bank of America and without giving a reason the bank refused to open an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX I logged into my Bank of America credit card and saw a banner stating I was targeted for a {$300.00} bonus if I opened up a checking account with BoA and established {$4000.00} of qualifying direct deposit. I applied for this offer and my bank account was opened a couple days later. On XX/XX/2017 I transferred an opening deposit of {$25.00} to the BoA account. One XX/XX/2017 I saw a charge stating " ACCOUNT CLOSING TRANSACTION XXXX '' ( See attached document ) that wiped out my account. When I called to inquire about this charge I was told that my account was being closed as a " business decision '' and no actual reason could be stated. I was told I 'd receive my {$25.00} opening deposit back in the mail in a couple of days. Although the contract states either party can close the account for any reason, it is not justified for Bank Of America to have me go through the trouble of opening the account because of the bonus attached, and then shut it down for what appears to be no reason. To bait customers with the bonus, have them go through the effort of opening the account, and then shutting them down for no reason is not good business practice, and in some cases against the law. I would hope this situation can be remedied by BoA to make both parties happy.

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 2017-04-03 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I attended Missouri College in 2008 for the XXXX. Since I graduated I have yet to find a job in the field. I was mislead by Missouri College because they promised lifetime job placement. I am hesitant to further my education because the credits from Missouri college does not transfer in which they also informed me that they were fully accredited. The XXXX was originally $ XXXX which was overpriced compared to others schools in MO. I have n't been able to repay my students loans since graduation and now my loans have almost doubled. Now the school is closed and I am stuck with paying student loans that I ca n't repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The CBE Group, Inc.
State: NE

Complaint narrative:
This matter involves credit card debt with XXXX XXXX XXXX which was referred to CBE Group for collections. XXXX XXXX XXXX had my correct address as bills were sent monthly to me. Once this was referred to CBE Group they used an old address where I have not resided for years. When this was sent to the old address it was opened by the occupant at that address who in turned contacted me about the letter, debt and what it was about. This resulted in great embarrassment and mental anguish. There was no reason for this to happen and I believe that corrective actions need to be taken, including fines and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: MI

Complaint narrative:
I have been repaying more each month than is due. However, Navient still attaches late charges to the month that I paid after my due date. Even though my account was paid in advance. They also make impossible to speak to a representative who is within the United States who I can understand. I emailed them and they do not respond.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XX/XX/XXXX we called Bank of America to let them know we were struggling and see if we could move a payment to the end of our loan. They said that we could get a loan modification and that would help out more. We were told to skip XXXX payment and start making the new lower payment on XXXX XXXX, then after 3 months it would be reviewed and we would know if we were approved. We were approved and everything was fine till XXXX when I made XXXX payment early on XXXX. I started getting phone calls on the XXXX saying I missed my payment. When I answered the phone we would have to go through a major ordeal that the loan was in my husbands name and that they could n't talk to me about it, we had send in a letter XXXX different times giving me permission to talk to them, it would work for XXXX or XXXX phone calls but then we would go through it all over again. They insisted that the payment I made was XXXX and would go all the way back to the payment they told me to skip saying they were all late. I received multiple harassing phone calls daily. It did n't matter how many times I explained they insisted I missed a payment. They never would assign me to just XXXX person to handle the account, I had to call and talk to several people and explain to each XXXX the whole story ( sometimes XXXX a call ). I would finally get someone who sounded like they knew what they were talking about only to be told to call back in XXXX hrs to see if it was fixed. We went through this for a year! Constant phone calls, no results. Finally in late XX/XX/XXXX we gave in and paid some of the fees that they said we owed just to be done with it, even though I have documentation that we never missed a payment. Last month XX/XX/XXXX I noticed a {$15.00} charge on my statement so I called to see what it was for. I was told it was due to a missed payment in XX/XX/XXXX, I explained the whole story and got the same run around, " I 've submitted it for review, please call back in XXXX hrs to see if it is resolved ''. As of XXXX weeks later it still is not resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I APPLIED MY CREDIT CARD WITH BANK OF AMERICA ON XX/XX/2015.ON LINE. I WAS INFORMED ON XXXX XX/XX/2015 THAT MY CREDIT CARD WAS APPROVED BY THIS BANK. I ALSO GOT A LETTER, DATED XX/XX/2015 STATING THAT CREDIT CARD WAS APPROVED. I FILE A COMPLAINT ABOUT SAME ISSUE EARLIER WITH CFPB. SO FAR. I DID NOT RECEIVED MY CREDIT CARD TILL XXXX XX/XX/2015. XXXX XXXX ( TEL # XXXX, X XXXX ) CALLED ME & INFORMED ME THAT CREDIT CARD WAS MAILED ON XXXX XX/XX/2015, BUT SHE WAS TELLING ME LIE. I CALLED XXXX XXXX COUPLE OF TIME, SHE NEVER EVER COME ON PHONE & NEVER EVER RETURN MY CALL. IT SEEMS THAT BANK OF AMERICA HAS A VERY POOR CUSTOMER SERVICE & HAVE NO RESPECT FOR ME AT ALL. IT HAS BEEN MORE THAN XXXX MONTH WHEN I APPLY FOR CREDIT CARD, BUT I DO NOT HAVE IT TILL TODAY. PLEASE HELP ME TO RESOLVED THIS ISSUE AS SOON AS POSSIBLE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I used to be employed by BoA for 17 years when my job was eliminated in XXXX XXXX. Around XXXX or XXXX I walked into the BoA branch at XXXX XXXX XXXX, XXXX NY XXXX and closed XXXX checking accounts and XXXX savings accounts as I was no longer going to get my free employee rate on them. On XXXX/XXXX/XXXX I was informed they force closed XXXX of these checking accounts after waiving {$75.00} in fees and when I called to find out how they reopened an account I already closed I was informed I also currently owe {$25.00} and {$56.00} for XXXX other savings accounts that were closed that day. I was informed by XXXX at XXXX he could give me no info on why they accts were still open and I should go back to the branch I originally went to in order to fix this issue. I do not feel I should have to waste my time to walk into a branch when I should be able to fix this issue over the phone and I also do not have any faith that the branch that could not get this correct in the first place will fix the issue the 2nd time around. I already closed these accounts over 2 years ago and do not see why I should have to close them again because BoA can not do their jobs. I know these accounts were originally closed as I still have an IRA and a credit card with BoA and saw the accounts were closed and removed from my online banking about a week after I went into the branch in XXXX to close them. I feel that BoA is illegally opening accounts back up and charging fees on them and I need to have this issue rectified. Unfortunately, I do not have any of the information anymore regarding the closed accounts as that is not something I felt the need to keep for over 2 years. I guess I did not assume closing a checking and a couple savings accounts would be such a difficult thing to do.

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 2015-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I learned of an alleged debt of {$3000.00}, when i was contacted by my Human Resources ( HR ) department on XX/XX/XXXX, stating that a request had been received to garnish my wages. A company by the name of Pioneer Credit Recovery ( PCR ) has apparently been retained to collect on a debt alleged from the department of defense from XX/XX/XXXX. This information was given to me verbally over the phone by an agent named XXXX XXXX of PCR, on XX/XX/XXXX. I advised her that I 've never received any requests, statements or notices for payment from this agency nor from PCR prior to speaking with my H.R. Department. XXXX XXXX told me that she would fax all of the applicable documents pertaining to the debt to me. I have not received any documents nor demand for payment letters to date. 

I 'm filing this complaint because PCR, has violated the fair debt collection act ( FDCPA ) by failing to send me a debt validation notice prior to proceeding with legal action. They have failed to properly validate my debt after written and oral requests for the applicable validation documentation. They have not allowed me due process in defending my consumer rights and these actions on the part of PCR are all consistent with violations to the FDCPA. 

I demand that the efforts to garnish my wages be, extinguished until I 've been properly notified of the alleged obligations to a debt of more than {$3000.00}, which is completely unfounded. 

These accusations are false and i intend to prove, that i do not owe money to the dept of defense.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Applied for refinance with Bank of America after being a loyal customer of over 10years. I have never missed or been late on any payments with them and the debt to equity ratio is less than XXXX. They made a mistake on other properties I own and are asking me to send information that has been already submitted prior to their mistake. They actually closed the loan refinance due to their mistake. I have answered all of there questions and sent all of the information to them, at least once. I am fed up with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: MN

Complaint narrative:
I has a several student loans held by Sallie Mae. These loans were transferred to XXXX. I was never in default or had a missed payment. https : //myeddebt.ed.gov/ has confirmed this and so has the Dept. of Education. I consolidated my loans, then my loans got transferred to XXXX. XXXX is incorrectly reporting that I was 60/90/120 days late. This is incorrect, I was in school, my payment were deferred and in forbearance. Before Sallie Mae received this loans, XXXX originally held them. However, XXXX still will not remove the incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
I need to get on a payment plan to remove my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I would Like to file a complaint on bank of America On XX/XX/XXXX I sent a request for them to investigate a authorized credit inquiry on my XXXX and XXXX report I sent in a copy of a police report explain that I was a victim of id theft. Bank of America never replied back the inquiry was Pulled on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America has refused to give me any credit for a {$4900.00} check that was taken, but not processed, by a malfunctioning ATM ( ATM ID XXXX at the XXXX XXXX XXXX, XXXX, PA XXXX location ) on XXXX XXXX, 2015 at approximately XXXX. I am a student at XXXX XXXX XXXX XXXX XXXX. The check was issued by XXXX University as a tuition refund. I spoke to multiple supervisors at the branch, including the Branch Manager, XXXX XXXX. I also spoke with multiple supervisors in the Electronic Claims Services Dept. They refused to give me any credit for the check, although I explained the circumstances of the malfunction, including the amount of the check, the issuing party, and my relationship to the issuing party. 
Additionally, I cited a previous instance in which a Bank of America ATM took approximately {$400.00} cash that I deposited. I was given a {$200.00} dollar credit while they investigated the issue. Yesterday, Bank of America informed me an investigation would take 1-10 business days to be resolved. XXXX XXXX advised it would take 2-3 weeks to cancel the check and have another re-issued. Bank of America declined to issue any credit for the check due to the amount of the check. Moreover, today I was informed by an account manager that there was no record of my card being used at the ATM, nor any record of the check at the ATM ( XXXX XXXX was witness to this conversation ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19 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: MA

Complaint narrative:
Navient misled me and my family into a payment plan to prevent any negative credit reporting but then they reported all of us to the credit reporting agencies. The Navient representative told me that I only needed to make the XXXX qualifying payments to prevent any negative reporting on my credit and to bring my account current. This conversation was on a recorded line. 
Furthermore, I am ran into technical problems paying them in XXXX ( I used the same bank account for 13 years but they said it was my fault ). 
Here are my last XXXX payments. 
XXXX XXXX XXXX payment in new payment plan XXXX XXXX Paid for XXXX and XXXX. XXXX did n't go through? No record of them attempting a payment in XXXX. 
XXXX XXXX No one knows why they charged me. 
XXXX XXXX No one knows why they charged me. 

And somehow they are demanding {$1300.00} this month? Plus, they refuse to remove the negative report on my credit. 

Can someone please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I paid off and closed my Bank of America credit card account on XXXX/XXXX/15. The payoff was arranged through XXXX XXXX XXXX XXXX. An automatic recurring online charge of {$21.00} from my phone carrier was charged to the account XXXX/XXXX/15, a full week prior to the payoff but BoA never included this charge in the payoff and never sent a statement informing me of this charge. I received a letter dated XXXX/XXXX/15 ( arrived XXXX/XXXX/15 ) informing me of the outstanding balance plus fees bringing my new balance to {$76.00}. I spoke with a BoA supervisor XXXX XXXX who initially told me to pay the original charge of {$21.00}, which I did, and she would attempt to remove derogatory credit from my credit report as well as the fees and interest charges. I heard back from her today and she stated I was responsible for the full balance, which today stands at {$54.00}, the result of fees and interest and if I did not pay the entire amount she would not remedy my credit report. My credit history is excellent and had I received a statement my credit history shows I would have paid it off immediately. I should n't be held accountable for these exorbitant fees and charges due to BoA 's oversight in not including the original charge to the payoff amount in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief