vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I completed the income-sensitive repayment plan application to reapply for a reduced payment plan. The form indicates to list the gross monthly income. It also requires that the XXXX most recent pay stubs are submitted. Since I am hourly, I do not work the same hours each week ; therefore, the amount that I list for my gross monthly income is an estimate. Since there are seasonal busy periods, the hours that I am working now are inflated compared to what I am actually scheduled to work. As a result, this makes it appear that I earn much more than what I do. Last year, I encountered the same issue and after numerous tear-filled phone calls, I was instructed to write a note that I was an hourly employee and include what my average scheduled hours were. This year, in an effort to avoid having my application rejected, I included the same explanation. Sure enough, a week later, my application was rejected. I called and spoke to a representative who accused me of understating my wages. I explained to her that I was hourly and did not have a set salary, and she instructed me that I would have to match my gross monthly income to the amount on the pay stubs regardless of the fact that the hours were not typical. I immediately requested a supervisor since I had encountered the same issue the previous year. I explained that I did not feel comfortable listing the inflated amount as my gross monthly wages since it overstated my actual earnings. The woman was very rude and condescending. She then began asking all these questions about my tax returns and other personal information as if she was attempting to refinance my loans. Not only was I unprepared for the questions, since I was commuting to work, but I could not understand her due to a very heavy accent. Since I work for a non-profit, refinancing a loan would be unwise because it would disqualify me from Public Service Federal Loan Forgiveness. When I asked why she needed the information she was requesting, she became agitated and told me she was attempting to qualify me for a different loan. I informed her that I was not comfortable or prepared for that and would call back. As she yelled something at me through the phone, I hung up. Because I feel like I have no other option, I am have submitted my forms with the inflated wages they demand. I find it absolutely insulting that I am trying to pay for my loans and I feel like they are attempting to rip me off by changing the terms. I also have a small window to get this resolved since they will increase my payments to XXXX % of my monthly wages if I do not give them the answers they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
on XXXX XXXX, 2015 I was charged several transactions from XXXX XXXX transactions in the following amountsXXXX. {$20.00}. {$100.00}. {$54.00}. {$120.00}. {$56.00}. $ XXXXtotal amount of {$390.00}. I attempted to contact XXXX through customer service and email I received the same resonse several times stating to look over my XXXX purchase history which I had already done and determined that the charges were not mine nor were they authorized after serveral unseccessful attempts I contacted my bank Bank of America. I filed a dispute. I cancelled my debit card that was linked to my itunes account to prevent this from happening again. Today XXXX XXXX, 2015 I checked my account again to pay bills and once again I have XXXX new XXXX charges all for in the amount of {$100.00} totaling {$430.00}. In the past week XXXX has charged my account in the amount of {$820.00} in unathorized charges. I need this amount refunded asap to my account and for these charges to stop now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX XXXX was reporting on my credit report that a portion of my student loan, {$22000.00} was included in my bankruptcy therefore showing it 120+ days late and that it was now on a wage earner plan. All of this information is incorrect. Ohio law prohibits student loans from being included in a bankruptcy. These loans were on forbearance during this time. Also, my entire loan for XXXX XXXX ( a.k.a. XXXX ) owed is {$47000.00}. Why would only a portion of it be included on my bankruptcy. Again, all incorrect info. I sent them a letter stating this and the information was removed from my credit report. Within 30 days, the information was put back on my report but now reporting under Navient Solutions on my XXXX reports and under XXXX XXXX on XXXX. I would like this information removed from all credit reports as it is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: VA

Complaint narrative:
I sent a check for {$1300.00} to pay off the balance on my discovercard. AFTER I verified that it was paid in full XXXX days after the check was cashed, I notified my bill pay service ( XXXX ) to pay the entire balance monthly in the future. For reasons I do not understand another check was sent for the same amount. This is what the bill payment company was advised was the balance. I called discovercard and was told that it would be XXXX weeks before they could return the minus balance to me. I am a widow on a fixed income and that would be hard for me, which I explained. The rep said she would send a request for a review for a lower interest rate which I did Not ask for. I suggested that I get a cash advance and deposit it in my checking account. She said that was a good idea but they would charge XXXX % ( about {$70.00} ) to retrieve my own money, I was not asking for a credit advance from them. I felt that I had no choice but to do this. I have had an account with them since XX/XX/1987. If I was asking for an advance of their money I would gladly pay.. but this was a minus balance that they never should have taken from my checking account. Then I received a rude letter declining to lower my interest rate for bogus reasons, ( remember I did not ask for this ) and they had made an inquiry without my permission which I think effects my credit. My communications have been curt as though I never should have expected a timely refund of my own funds. I am closing my account with them, they do not care. I have a {$10000.00}. limit with them which indicates they thought I was credit worthy. I expect nothing but wish to " tell someone '' and you are it! XXXX

Company response to consumer: Closed with monetary relief
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: NC

Complaint narrative:
I 'm not understanding the interest on the balance ... the amount is more than what I was told and I 'm not seeing a decrease with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BANK of AMERICA was sent via certified mail a notice of dispute on XX/XX/2016, a second notice to validate and verify the allege debt was sent XX/XX/2016, and a third notice to validate and verify an allege debt was sent XX/XX/XXXX. Pursuant FDCPA cease desist all collection activities pending validation and verification of alleged debt owed. Instead of Bank of America abiding and complying with federal regulations they have taken legal actions by contracting with XXXX, XXXX, and XXXX and have conspired fraud upon i and the courts by filing forged documents, counterfeit security instruments, and demanding payment for an alleged debt i do not owe. Bank of America does not have legal standing and they have admitted to me the allege debt was never recorded.

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 2017-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Ok, I submitted a complaint with the CPFB about a month ago and got a response from Navient to call them at XXXX and then when I spoke to them, passed on the response given through the CFPB stating I was eligible for a XXXX interest rate and a lower payment of {$250.00} a month. The rep stated they have no record of this and attempted to transfer me to some escalation department, which was a law office. I have had it with being lied to! I explained, this was a response directly from Navient stating I would be FINALLY taken care of and yet I get mislead again! Not only did they deny offering me this, they stated the garnishment would NOT be lifted and this {$250.00} would be over and above the garnishment. I was garnished on loans that were NOT mine, could not fight them in court because some snake fake law group who were actually collectors, filed papers with a local court stating I was served properly, I never was served, now Ive been garnished for over 2 years and continue to have money taken for loans that were taken out in my name, but were never authorized by me! I want this stopped and I am sick of being lied to by this Navient group who passes this around and never takes responsibility for these illegal actions!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America had incorrectly reported to all XXXX credit bureaus that I had missed payments in my credit history. I contacted Bank of America to dispute this information and they advised me that I had to dispute this information with each individual credit burea, which I did. 
XXXX XXXX and XXXX both deleted the missed payment information, after their investigations but XXXX, after their investigation, advised me that the missed payment information will remain. Bank of America is still reporting to XXXX that I have missed payments. I have been late in the past, several times but I have NEVER missed an entire payment. Bank of America should correct the information they are providing to XXXX. 
I have filed several XXXX complaints against Bank of America and they have not resolved any of the complaints. Consumers should be aware that Bank of America is a dishonest company and they need to correct their mistakes but they will not.

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 2015-08-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a XXXX XXXX Credit card which is handled by Bank of America.I have excellent credit ( scoreXXXX ) and pay all my credit cards at end of month. Bank of America said the decision as based on an assessment of your application, current economic trends and a copy of your credit report.. I am applying to XXXX XXXX and Bank of America is not making any money off of me so is not approving of the card. In XXXX letter they say not due to credit report.I used to bank at Bank of America and found them to charge for every little thing so I closed the accounts I feel this is main reason for being turned down.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 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: IL

Complaint narrative:
I never applied for any student loans ; I never went to college. 
Sallie Mae lists on my credit reports XXXX student loan accounts ; XXXX are Joint, XXXX are Individual. 
The open date and account number on each XXXX account coincides with the same open date and account number on each XXXX account. 
( e.g., open date XX/XX/XXXX, account ending XXXX ; open date XX/XX/XXXX, account ending XXXX ; open date XX/XX/XXXX, account ending XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 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: CT

Complaint narrative:
We tried to pay off all my sons student loans when he graduated, we called got pay off info, sent checks, and then we started getting calls that there were loans not paid for. Over the next 5 years XXXXNavient kept us forbearing our loans while we " figured it out ''. In XXXX they finally told us the problem was interest capitalizing on all the loans in XXXX of 2011, why then when we called for pay off information at the end of XXXX, beginning of XXXX, and end of XXXX was this never reported.? They do n't have an answer, and they insist I am responsible for all charges that accrued. I do n't think that is fair since they made the mistake in the first place, and compounded the mistake by taking 5 years to be able to explain it. These are very shady dealings and I feel they are just trying to XXXX us over.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
XX/XX/XXXX modification granted. Error made where late payments added to payments. Customer Account manager told my wife and I NOT to make a payment until they corrected it. Spent every month updating modification documents. Foreclosure proceedings began. The sell date was for XX/XX/XXXX. XX/XX/XXXX the XXXX modification package was sent to Bank of America. Was told that the sale was stopped. The last notice of the sale was in the state paper on XX/XX/XXXX. XXXX requests for validation of debt has been ignored. Told on XX/XX/XXXX house sold on XX/XX/XXXX. On XX/XX/XXXX found house on site listed as REO to be sold on XXXX starting bid at {$25000.00} on XX/XX/XXXX-XX/XX/XXXX. XXXX customer service managers assigned since XX/XX/XXXX. XXXX faxes sent giving the permission for Bank of America to discuss loan with my wife. XXXX appointments scheduled for customer account manager to call to discuss account. No calls received. Sat on hold for XXXX hours for one call XXXX times. Wrong phone number given on the loan modification status web site. An extension number was never given, without extension number call would hang up on my wife. Bank of America is guilty of breaking several laws : refusal to validate debt, dual tracking of a foreclosure ( packet in more than 37 days before the sale ), not posting notice in local paper, when posted it was in a state paper not widely circulated in our area more than 10 days before the sale. We were not properly notified of the foreclosure. The attorney 's letter was received almost 1 month after XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CASH AMERICA INTERNATIONAL, INC.
State: DC

Complaint narrative:
They have threatened me with an arrest warrant sent to my email.

Company response to consumer: Closed
Consumer complaint received 2015-09-23 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
I keep getting charged {$38.00} late fees for an account that I do n't remember agreeing to specific terms and certainly not {$38.00}. I think this fee has changed several times and there is no binding agreement that authorizes this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 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: NE

Complaint narrative:
XXXX XXXX ( now Navient ) misallocated payments between the loans in a Billing Group. I request that the payments be properly reapplied. 

At the time of the error, Private Loan XXXX had a principal balance of {$31000.00} with an interest rate of 3 % and Private Loan XXXX had a principal balance of {$27000.00} at 2 % interest. 

Despite repeated requests to move these private loans out of the same Billing Group, at the time that this allocation error occurred, XXXX XXXX had denied my requests. They repeatedly denied these requests to separate the loans from a Billing Group until XXXX XXXX. 

In the attached documentation, you 'll see that a {$10.00} payment made on XXXX/XXXX/XXXX and a {$12.00} payment made on XXXX/XXXX/XXXX were XXXX allocated towards XXXX loan only : the Private Loan XXXX, which has the lower interest rate and the lower principal balance within the Billing Group at the time. 

Payments made on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX seem to be properly allocated between XXXX loans within the same Billing Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX of 2013, I reported to Bank of America unauthorized and fraudulent uses of my credit card. I filled out paperwork ( I have copies of everything ) and they credited my account for the initial amount. 
I told them to close my account. They did not. Subsequent month, charges of {$5000.00} from the same source were charged to my account. Given the report of fraudulent uses, they should not have allowed those charges. They are now pursuing collection of these amounts in small claims court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 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: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I JUST FILED BANKRUPTCY IN XX/XX/XXXX AND ALL DEBTS WERE DISCHARGED IN ON XXXX/XXXX/2015. THIS COLLECTION AGENCY KEEPS REPORTING AND LEFT THE ACCT OPEN WHICH HARMS MY ATTEMPT IN REBUILDING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 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:
I opened an account with Bank of America shortly after my XXXX XXXX in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from bank of America informing me that my account was being closed due to fraud. I never committed an act of fraud. Bank of America has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with bank of America for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX XXXX directly but they report that Bank of America is standing by the fraud claim with no evidence to substantiate the claim.

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

Complaint narrative:
I believe my student loan status have been breached. I believe my principal balance and interest is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has just cancelled my credit card. I received no notice whatsoever and they will not give details to why other than it being a " business decision ''. My account had close to XXXX reward points that I have been accumulating for years and was counting on which will now be lost. I had an {$80000.00} credit line spending approximately XXXX monthly. I have spent over XXXX dollars over the last 11 years with them. I have never been late and always pay my bill in full. I have an excellent credit rating. There is no recourse nor contact to discuss this. It will eventually hit my credit report. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I found a fraudulent charge of {$43.00} on my BankAmericard on XX/XX/XXXX. I immediately called Bank of America ( BOA ) and put it into dispute. They got back to me, credited my account with the {$43.00}, and said they would do an investigation. No other fraudulent charges were found so I did n't report the card number as stolen. On XX/XX/XXXX, my account was re-charged with the same {$43.00}. When I questioned BOA I was told the vendor said they had shipped the merchandise to me and it was delivered. I said " No, I did n't order anything nor did I get anything delivered ''. I, once again, stated this was a fraudulent charge and I wanted it removed. BOA has refused. I then tried to find contact information on the so-called vendor and it does n't exist! XXXX is also involved, as the original charge came through XXXX. They refuse to help because they say my credit card has jurisdiction over them. I also asked XXXX for the contact information on the vendor. They could n't find it either!! On the morning of XX/XX/XXXX, my BOA credit card blew up with over {$10000.00} in charges. I immediately called, all attempts were denied, we immediately cancelled my card and BOA is issuing me a new one. Guess where the {$10000.00} in attempted charges came from? Yep, the same vendor!!!! While BOA has no problem taking care of the {$10000.00}, they are still refusing to remove the original {$43.00}. I want the original {$43.00} fraudulent charge removed. That 's all I am asking.

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