vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 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: IN

Complaint narrative:
I 've been paying into my student loans for the past 5 years, always on time, and under the assumption my loans would be forgiven after 10 years in public service. Direct loans consolidated my loans and was told I was in public service when they placed me under the wrong repayment plan. They said I was good to go. I called Navient in XXXX 2016, and they informed me I had been paying the minimum payment on a 20 year repayment program and that it did not qualify for the 10 year forgiveness program. They also informed me that I could n't use any of those years of paying towards the 10 year forgiveness. I called Direct Loans after that and they had no clue that I had to be under a 10 year repayment program. It 's my understanding that direct loans and navient are contracted through the department of education. Perhaps in the future all these student loan groups could do a better job with sharing information to ensure those of us who work hard to help our communities are not mislead. It literally makes me sick to think that A. I trusted the wrong person to ensure I was in the program, and B. That had I of known I was n't in the program, I could 've paid more to reduce the cost of the interest with these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: TN

Complaint narrative:
I have been paying on my student loan since I graduated from college in 2008. The company never made any payment going towards my principle. They keep recommending forbearance and unstructured repayment plans. To this day the balance has never changed from the original loan well over nine years ago. Please help! I hope the attorneys win their lawsuit against XXXX XXXX now called Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My mortgage service provider ( Bank of America ) has informed me that they will only accept a cashier 's check or money order for payment of my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Although I finished attending XXXX I am still paying for student loans for a degree which is not desirable or worthy of mentioning on a resume. I have paid off XXXX of the loans and feel as if the second loan may possibly be seen as already paid due to how much has already been repaid. I am paying interest for a degree that was deemed fraudulent by the government. I realize that by signing to repay the loan in good faith on my part was a responsible action, now I ask that my good faith by paying for a worthless degree be rewarded by you to end paying for said loan. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
We made a Check Fraud Claim on XXXX/XXXX/2015 to Bank Of America for a stolen and fraudulently endorse check. 
We wrote a check on XXXX/XXXX/2015 for a mortgage payment of XXXX mailed to XXXX XXXX XXXX. 
On XXXX/XXXX/2015, we reported to Bank of America of a fraudulent endorsement on the check, that XXXX XXXX XXXX denied receiving or cashing the check, and XXXX stated they would not endorse a check by hand signature. 
We completed a Fraud Statement for Bank of America on XXXX/XXXX/2015. 
In the following weeks, I made several calls requesting an update. Bank of America was only able to inform me the bank of first deposit was XXXX without additional information. 
On XXXX/XXXX/2015, I requested a " recredit '' or " provisional credit '' in light of the waiting time and the fact I had made a substitute mortgage payment on XX/XX/XXXX to cover the missing check. I was told the analyst for my case would call me. I did not receive a call. 
On XXXX/XXXX/2015, I followed-up and was informed the analyst had left me a message on XX/XX/XXXX which I was unable to confirm. An analyst, XXXX ( who was not our case analyst ), told me that Bank of America would not provide a provisional credit in the case of a false endorsement and that she was unaware of any " recredit '' provision of law. She stated it may take 30-60 days for XXXX to respond, which is unacceptable. She provided me with the following information : XXXX was the bank of first deposit and an electronic reference #. She was unable to provide a particular branch, a telephone number nor mailing address for contacting XXXX. 
On XXXX/XXXX/2015, in a follow-up call by my spouse, our Case manager/Analyst XXXX ( XXXX? ) informed us she would ( finally ) call XXXX with a follow-up. We are unaware why we could not receive the phone number for us to call XXXX directly. My spouse was informed it could take 60-90 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 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: NC

Complaint narrative:
We had a checkbook stolen from a desk at work. Several checks were written by the thief to " Account Holder '' and were cashed. A freeze was placed on our account at Bank of America. To freeze the account, they put a {$880000.00} charge on the account causing us to be overdrawn by over {$800000.00}. We called on XXXX XXXX to report the issue. I sat on hold for over an hour. I spoke with someone who looked at the account and could not figure out who/what placed the hold on our account. He then said he had to transfer me to " Check Fraud '' ( which was who I thought I was calling in the first place ). I waited on hold for 30 more minutes and no one answered. My husband, at this same time, stopped at a Bank of America branch. The branch manager tried to help by opening a new account for us. But, he was not allowed to transfer OUR money to the new account and close the old one because of the " Freeze ''. He called the " Check Fraud '' department and sat on hold for over an hour, himself. My husband had to go back to work, so they gave up. We called back again last night and waited on hold for over 90 minutes ( all call logs will be attached to this message ). This morning ( XXXX XXXX ) I am seeing MORE fraudulent/stolen checks clearing our account. I have been on hold, so far, for 18 minutes as I write this complaint. No answer. We have no access to bill pay, automatic payments, nothing. We are being treated like the criminals in this situation with no lifeline from the bank. If you 're going to freeze assets in an account, you had better have someone available to assist as soon as I call the first time. The fact that we ca n't reach ANYONE who can investigate and make us whole after the bank allowed a stranger to cash checks is a crime in and of itself. My next call is to a local news station. I want access to my money so I can close the accounts and move all business to my credit union. As of right now, a criminal has access to all the money he needs from my account, but I ca n't have access?!

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 2016-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/2016 *** 2nd requested *** dear ICFPB and could you tell the BOA CEO XXXX XXXX XXXX about my story too plx here we go so I visited Bank of America web at : bankofamerica.com site trying to open a checking account bank of america still has chose to neglected to honor my request, It appear that Bank of America has decided to discriminate me after all I paid them off in full! see the letter and yet a letter stated that they will have someone in land o lakes fl office contact me and discuss what product they could help me with, I never bother or gotten any letter or phone call by BOA local or BOA corp.all I got was a rude representative email me to call her and she stated she ca n't help me and she stated Bank of America has rights not to give me a reason why can they help me to open up a new checking account / once again even I have paid them off in full. Poor service with secrets by BOA I want the XXXX XXXX XXXX XXXX to read this 2nd complaints against his company Bank of America what a joke!!!

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 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION
State: SC

Complaint narrative:
I disputed a transaction from a company and received a letter from my bank stating that the dispute was finalized and all provisional credits issued were finalized. Then I received an email from the bank stating a representative by the name of XXXX XXXX made a mistake and issued a letter when really not all the provisional credits were finalized, and instead they debited {$89.00} from my account as they said that dispute was not approved. This was an admitted bank error that I have proof in writing of - We should not be charged the {$89.00} and should be granted the credit of {$89.00} as that is what I have in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-06 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America fails to fill out balances in the interest rate charges portion of their statements. Interest rates and promotional dates are listed, but all balances are {$0.00}. You can not determine which portion of the balance is subject to the promotional rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Core Recoveries, LLC
State: NV

Complaint narrative:
These people call repeatedly The person they are looking for is not at this number

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I made a cash deposit to cover pending charges in my back account. All transactions, including my deposit, posted on the same day. However, TD Bank process transactions in a way that 's designed to collect fees from consumers. Basically they posted my debits before my credit, making me incur XXXX dollars in overdraft fees. This is not the first time this bank does that, and although it might not be illegal, it 's morally wrong. I walked into the bank to have them reverse the fees and they refused. XXXX XXXX, supposedly the supervisor at the branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, told me that if I was not OK with the fee to go find another bank, that he would not refund the fee because it was not a bank error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: USCB, Inc.
State: CA

Complaint narrative:
I have contacted USCB America 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
I have an auto loan through Huntington Nat'l Bank. The loan was opened in XXXX 2014. I carry full coverage insurance ( through private company ) on my vehicle, which Huntington is listed as lien holder, but learned today that Huntington is ALSO charging me {$40.00} per month for auto insurance. I have never missed a payment, been late nor had insurance lapse at anytime. I was informed by a Huntington representative, that that is just something they do to protect their interest. I do not understand this at all!!! My private insurance protects their interest!!! Is this legal??? Also Huntington informed me that my payoff amount is more than what the balance of the loan is. How can this be???? Every month that I make my car payment, according to XXXX, my balance is increasing {$51.00}, which is lowering my credit score! At this rate, the loan WILL NEVER be paid off. Please help me to rectify this situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am submitting this complaint against XXXX. I have disputed several collection accounts in my credit file and I requested a debt validation other than a balance and a computer print out and XXXX has failed to submit the information.

Company response to consumer: Closed
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Southwest Credit Systems, L.P.
State: OR

Complaint narrative:
Southwest Credit ( SWC ) is attempting to collect {$290.00} from me. This amount was referred to them from XXXX XXXX. I requested documentation that would delineate the charges but have not received an adequate response. The SWC credit representative I contacted today could n't explain details of the disputed amount

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
There is no past due balance. I returned all equipment to XXXX XXXX. I did n't receive a Dunning Letter either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-17 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
Ok I had taken out a Title loan for my paid off vehicle, However back on XXXX 2015 I had needed extension for a week, A gentlemen by the name of XXXX told me I could n't get an extension but I qualify to get an additional {$500.00}, IF I bring them {$340.00}, and he sold me on the Idea, when I get my taxes just paid it off. ( But I have n't receive taxes yet ) SO I took the additional {$500.00}, which was only {$160.00} difference. Now I am stuck paying {$410.00} a month just on interest alone. 
Now I ASKED FOR AND EXTENSION FOR FEBURARY AND THEY HAD GAVE ME 30 DAYS. 
I feel like if he would allowed me to get the extension in XX/XX/XXXX I WOULDNT BE IN THIS MESS, I AM SPENDING MY WHEELS JUST PAYING ON THE HIGH INTEREST RATE ... ... ..IN XX/XX/XXXX MY LOAN WAS DOWN TO {$800.00} NOW ITS {$2100.00} WITH {$410.00} INTEREST RATE ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Core Recoveries, LLC
State: WA

Complaint narrative:
I 'm being harassed by an unknown department of education collector company, I am behind on my student loan for financial reasons in the past and am wanting to pay it back somehow, I 'm getting half of my check taking for back child support. Anyway, the number calling me is XXXX. I 've asked them to not call me in between XXXX - XXXX pacific due to the fact I am working in a law firm office setting and they have deliberately failed to do so and keep interrupting my work causing me to loose valuable time and inteferring with our law firm. I 've asked several times which is apparently recorded on thier system for proof of company by sending me info via email or post office. They have refused and now threatening to take money out of my check after I already agreed to pay a monthly payment as long as they prove who they are. The repeatedly ask for my credit card information and refuse to provide proof of what company they are or represent. They claim to be " Core Recoveries, LLC XXXX XXXX, KY phone number XXXX/Fax XXXX They emailed me once but the email was from some form of docusign with an attachement of this company. I think these guys are fraudulent and are stealing credit card information because of the fact the number that calls me is XXXX and the email they sent me is from " XXXXXXXXXXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
I was not aware the debt had been sent to collections until it was reported on my credit report. When I contacted the collection agency they had a non-existent address. They had my correct phone number but never made any attempts to notify me of the debt prior to reporting from all credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-04-14 00:00:00
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Netspend Corporation
State: CA

Complaint narrative:
All of a sudden I started to receive texts about an account that I did not open. It is in INCREDIBLY hard to speak to a representative without providing your card number or SSN. 

When I finally did get to speak with someone they simply said to reply " stop '' to the text messages but did not spend time to look for the account to ensure that it was not open fraudulently. 

Shortly after, I began to get transaction information of the purchases being made. These transactions are happening in XXXX, CA. I do not live in XXXX, however, my phone number area code is from that area.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
For all practical purposes, tdautofinance makes it impossible to make payments directly to principal ( extra payments for that purpose ). On my first attempt, i mailed the payment with the notation on the check AND a detailed instruction on my desire to apply it to the principal. this never happpened. after several calls ( LONG call waits -- more than an hour before i got through ) they said 'no one reads notes with the payments -- just call us next time ). eventually this did get applied to principal ( with MUCH work ). I recently attempted to make another extra principal payment. I called them ahead of time to tell them I was going to do it and submitted in online while on the phone. They said they would take care of it, but for good measure, i used their website to message them about the phone call i just made, restating my desires to make a PRINCIPAL payment ). A week later, it 's evident that this money was not applied to principal, but to more than a year of payments. this is messed up. I believe this is a deliberate effort on the part of this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Recently, from my credit report, I noticed that a company call " SouthWest Credit System '' reported a collection account to the XXXX credit agencies. I do n't think that I had ever received any written notice from this company about the collection account, neither any notice of right to dispute this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-17 00:00:00
Product: Prepaid card — General purpose card
Issue: Advertising, marketing or disclosures — 
Company: Netspend Corporation
State: CA

Complaint narrative:
Received Netspend deceptive mail with read debit card. Says to activate like I signed up for a card. Then says it 's like a checking account with routing number. 

Had to search the internet to find out about this company. 

Fees are ridiculous as well. EVERYTHING you do have a fee. No banks or credit card companies do this, no one would have any money left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRSTBANK PUERTO RICO
State: FL

Complaint narrative:
This is a current complain # Case number : XXXX. 

I received the following message on XXXX/XXXX/2015 : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

More than 60 days have expired and the issue has not been addressed or resolved. AND The log in and password I created for this site NEVER works no matter how many times I reset the password so I have to keep filing new complaints.

Company response to consumer: Closed with explanation