vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed multiple times the incorrect information being reported for an installment loan from XXXX that 's has been continually reported as a mortgage loan and now I am unable to qualify for a first time home buyer loan due to this issue so I am unable to purchase a home and I am going to have nowhere to live due to the fact that my current lease is getting ready to expire.. PLEASE help me, I do n't know what else to do, myself and my son are in a very difficult situation and I need immediate assistance. 

I from the bottom of my heart appreciate your immediate assistance. 
XXXX 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 explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
After several letters sent to syndicated office systems/central financial control to request HIPAA and debt violations concerning documentation for this debt that does not belong to me, the company has continued to ignore my 5 requests as well as continues to report inaccurate information on my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was enrolled in an auto-pay program with Navient. The information made available to me was that the payment program could be cancelled by me at will. I cancelled the auto-pay on XXXX XXXX, XXXX, before the scheduled payment on XXXX XXXX, XXXX ( because I had closed the associated bank account. At the same time I made a one-time payment to cover the current bill ). Navient tried to withdraw the scheduled payment anyway, and has now charged me a fee of {$1.00} as a result of their error. I spoke to a supervisor named XXXX ( he refused to give a last name ) at XXXX XXXX PST on XXXX/XXXX/XXXX to correct this error, but he refused to take responsibility. Although my auto-pay program was said to be at will ( even in a document dated XXXX/XXXX/XXXX ), he said that Navient required 10 days notice to cancel the payment. I require my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed recently that on my credit report there is a potential negative information posted on XX/XX/2017 I have a Bank Of America Master Card with {$31000.00} credit limit. My balance on card was reported {$31000.00} which is true but it exceeded due to the Interest/Service fees charged by Bank of America As we know credit card company never authorize any charge over credit limit.

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 2016-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: OR

Complaint narrative:
On XXXX XXXX, 2016 I received an alert on my XXXX credit from a company that has never contacted me about the debt. I was never notified via postage mail nor have I ever had a conversation with this company about the debt.

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 2016-10-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to my local Bank of America branch on Monday, XXXX XXXX, 2015 at XXXX PM. They had only XXXX teller window open. The line was so long it went out of the branch doors. I could see XXXX different bank employees walking around the bank. They were talking and laughing as if they did not even see the line. When I finally got to the teller window they told me they did not care about my wait and I should use the ATM. I called the same branch the next day to speak with the branch manager about my experience. I called the branch 4 times and no person answered the phone. They also do not have any voicemail or a way to leave a message. Finally, at XXXX XXXX, on the fifth phone attempt a branch employee answered the phone. She told me that the branch manager had gone home for the day! I requested a return phone call from the branch manager and the employee took the message. We are now towards the end of the next day and I have not heard from her. I just called the branch again, and once again, no one answered the phone. 

I just called the XXXX number for Bank of America and their representative said there is no way to relay my message to the branch. They said that the bank wants to cut expenses by minimizing human staff. 

I feel that this is unacceptable. Bank of America was XXXX of the banks that helped created the Financial Crisis. As a result of the Financial Crisis, they became XXXX of the largest banks in America from both acquiring and putting smaller banks out of business. I feel they have an obligation to our XXXX and our XXXX to provide a reasonable minimum level of customer service. 

Thank you for listening!

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 2015-10-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our loan started out as a revolving credit line, but then matured into a mortgage some years ago, a second trust deed secured by our home. On the date of its maturity, the bank cancelled the associated credit card and precluded any further credit charges. The loan was converted from a credit line into a mortgage as far as usage and loan servicing is concerned. So far, everything as we agreed. 

The problem is that the bank is refusing to change the loan category to a mortgage. With the loan reported in its obsolete pre-maturity form as revolving credit, the credit reporting agencies add the outstanding principal to our credit card debt, artificially inflating our debt-to-income ratio. This is ruining our credit, preventing us from refinancing this mortgage or any other mortgage. According to XXXX, the bank could switch from reporting this as credit card debt to mortgage debt with a simple and quick setting changeWe are requesting that you compel the bank to make that setting change now, and report what has matured into a mortgage as a mortgage. 

Please note that we are not asking any of the data reported about the loan to be changed, only that the bank stop characterizing it as revolving credit so the credit reporting agencies reclassify it with our mortgage where it belongs. As far as the loan itself goes, all payments have been made on time throughout the history of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX, we filed a chapter XXXX bankruptcy in XXXX. In the bankruptcy we listed a house which had an FHA loan on it. The loan was serviced by Countrywide, who was purchased by Bank of America. We did not want to keep the property. The bankruptcy was approved, and our debts were discharged on XXXX. 

Since that time, the lender has refused to take the title to the house. We have made many attempts to sign over the deed. I have many notes of telephone calls, etc. They were not returned. This past year we even hired an attorney to contact BOA to facilitate signing over the deed. Her calls were not returned either. 

We have been told by several banks that we are unable to refinance our current mortgage or obtain a new one until this house is out of our name. Worse, we have been told that if the bank takes it by foreclosure, it will appear on our credit report as a new foreclosure, just as if a new financial crisis occurred instead of dating it back to XXXX. 

We believe that this situation is fundamentally unjust. We had to file for a bankruptcy due to a total XXXX. We are trying to get the fresh start which the bankruptcy laws are designed to provide. We have been managing our financial affairs quite well in the over six years that have past. How is it that Bank of America can be allowed to crush our future? 

We suspect that the whole problem is the FHA mortgage. As we understand it, when a borrower defaults, the US government steps in to make the mortgage payments. This continues as long as the house remains titled to the borrower. If the bank takes it back and sells it, the bank only receives a portion of any loss from the government. We understand that banks might or might not be the ultimate bondholders of the GNMA pool containing the mortgage. However a servicing fee is paid to the the bank. What inventive does Bank of America have to take back the title? From where we stand, they have no incentive. 

An interesting contrast is found with the other property we listed. That was not insured by the government. The lender with that mortgage took the title immediately, and sold it. The entire matter was complete within six months of discharge. 

We are asking the CFPB to investigate why this is taken so long, especially given the heavy documentation of our willingness to sign the deed over. Further we want the CFPB to insist that our credit not be harmed any further

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 2016-04-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am a recent graduate of an XXXX and have currently begun working within my field. Accepting a position in my field resulted in a financial gap in my salary ( I took a 40 % pay-cut from my last office job ). Upon contacting my private student loan provider I alerted them of my financial change and requested other payment options. They refused to work with me in order to find a suitable repayment plan. 
I have been paying back my private loans since I was in college, never missing a payment, and their only solution to my financial situation was to allow my private loan debt to go to collections. I refuse to accept that they are unwilling to extend the term of my loans, making payments affordable for me. I understand fully that I am responsible for paying back my student loan debt and I am not trying to justify not paying what I borrowed. I am simply making a minimal ( entry-level ) salary and am need assistance on repayment plans. If my private student loans provider extended the term of my loans, my payment would become affordable. They have refused to do so because my total debt is {$2000.00} less than the acceptable amount of debt a borrower needs to extend payment terms. 

I graduated XXXX year ago, and am finally perusing the career I dreamed of in college. Now my student loan providers have suggested I quit this job in order to work at a XXXX so I can make ends meet on an unfairly large monthly student loan payment. They are making it impossible for me to continue working in the field, that I went to school for in the first place, in order to obtain a higher paying job to pay them back ( at 10 % ) for the education I will not be utilizing. 

I ca n't believe that any student loan provider would refuse to give their borrowers alternative payment plans. I am simply looking for accommodation for entry-level salary borrowers that is fair.

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: CT

Complaint narrative:
Made a payment yesterday XXXX/XXXX/2017 on all loans federal and private. Checked my bank account today and the payments are posted. However checked my navient.com account and it says my loans are past due. The interest rates are high enough I do n't need fake late fees. Also when I spoke to someone why it 's taking so long to pay loans under {$5000.00} they said the payments knly cover the interest. I 've been paying these loans for 7 orb8 years already and feel like I 'm not getting anywhere. I attended both XXXX XXXX XXXX University. And XXXX XXXX the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Without my permission Bank of America has placed a Hard Pull to my credit bureau and all attempts to have it removed have proven unsuccessful with much run around and no satisfaction. I have spoken with numerous individuals who have assured me the problem will be taken care and over the course of XXXX days it has not. I have only gotten promised callbacks from individuals who have not called me back and the inquiry has not been removed even though every individual I have spoken with have assured me it would within 2 days. I requested a credit limit increase and was told it would be a soft pull. It resulted in a hard pull, even though I explained that if it was a hard pull I did not wish to proceed. I was later told that the call was listened to and that the person had assured me it would be a soft pull and that information had been incorrect.

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 2015-04-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I lost my job shortly after purchasing my vehicle. I 've tried numerous of times to set reasonable arrangements on both my personal and car loan. I 've asked for clarity and everyone seems to provide different information. The branch manager was very rude and unhelpful. I went higher up the chain to the DM XXXX XXXX. XXXX is horrible. She 's also very unhelpful and argumentative. Each time I 've contacted her for information about my loans and options, she 's given me inaccurate information. I visited another the branch, and they were only able to produce 4 months worth of payment history. No one can answer my question of " who is above XXXX?. '' I 've never seen business like this. I 've visited other branches in the past and received much better care. I 'm just shocked that XXXX would have someone like her in a management role.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
I reached out to XXXX XXXX and later, Navient, to try and consolidate my private loans with them ; however, every time it was met with absolutely no help or solutions to help me in repaying my loans. I literally send them {$100.00} a month just so it shows I 'm making an effort, but it 's doing nothing to help me actually pay the debt off. It 's ridiculous that they make it so hard for people trying to do right and pay back their student loan debt. My federal loans are through XXXX and it was extremely easy to consolidate all loans into one payment that I can afford and pay back so it actually does something for my loan balance. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
When I could n't pay my student loans they sent me to collections and charges a lot of interest. My other loan now payment plan is kind of high they do n't take into consideration of living expenses for families. My credit score dropped they do n't report correctly to the bureaus and the interest charges is a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: MD

Complaint narrative:
My student loan is being repaid through Navient. I 'm on a graduated payment plan, which I can not afford, and they told me there is no other options for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been writing letters to the XXXX major credit bureaus, XXXX and Transunion since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and XXXX are reporting a balance of {$17000.00}, while Transunion reports a balance of {$17000.00}. The Date of Last Payment also does not match! Transunion reports XXXX/XXXX/XXXX, XXXX reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX and Transunion. For instance, the Open date on XXXX says XXXX/XXXX/XXXX but on Transunion it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car.

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 2016-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc.
State: MD

Complaint narrative:
!!! Document the rates you are offered along the way and be sure to check the final rate on your loan!!!! 
During the pre-approval process, I was offered high rates for refinancing my student loan. I added my husband as a cosigner and the pre-approved rates dropped. I selected the 4 % fixed rate for 7 years. I then continued through the process. 
After getting " approved '' I received an email stating that the terms had changed. I logged in and it was not obvious what had changed. I called SoFi and was told that my rate had improved to 5.75 % and that I should just sign. It seems that the lower 4 % rate did not get recorded in the system. I was then told it was higher because they were unable to verify my employment. After verifying my employment, they told me I was never offered the 4 % rate. I am 100 % sure that I was offered this rate. The current rates that SoFi is offering me are barely lower than my current loan, and I would have never proceeded with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been a victim of identity theft. My social security number was originally mixed up with another woman 's because they differ by XXXX number and we have similar names. I have spent XXXX on investigations and removals of other items off my credit report that have been removed. However, its not enough. I cant ever get a decent deal on a car, get a credit card or apply for a home loan because of this. This is my last resort, i have done everything I can to solve it with the credit reporting bureaus and its still the same. I would someone to investigate the mix up. Because my identify was stolen by this person after one of the credit bureaus had first reported some of her credit items on my credit report. That was how she got a hold of my personal information in the first place. After that she took advantage and kept using my name to have creditors grant her credit under my name. I was able to delete most of those items from my credit report. However, the items I can not remove are the ones that are incorrectly reported on my credit report but are under her name and social security number. That is the reason why I can not get them removed. I need to know if there is something I can do. Thank you in advance.

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