vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am the trustee of a trust that is being liquidated. The mutual fund company issued a redemption check that I deposited into Bank of America. B of A has now placed a hold on those funds. There is no pattern of unusual activity here - the amount of the deposit is not unusual for this account, the account has never been overdrawn, and the funds are drawn on a large and reputable mutual fund company 's account ( XXXX XXXX ). Bank of America told me that the hold was placed because the issuing bank ( XXXX XXXX ) is unable to confirm sufficiency of funds. I called XXXX XXXX and they have verified that the check CLEARED XXXX XXXX. Somehow Bank of America is not being straight with me and in the meantime is interfering with my ability to fulfill my fiduciary duties to liquidate the trust and distribute the proceeds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: VA

Complaint narrative:
I was seeking a income sensitive deferment, but Navient kept telling me that I did not qualify. Now I have a volunteer deferment which I know will probably be {$600.00} at repayment. They offer no help at all. I attended XXXX XXXX University where I acquired these loans

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS repeatedly continues to re-age a debt that have been disputed for years. When it is removed from XXXX credit reporting agency it is placed on another. This company have never every sent any documentation to me to alert of a debt prior to posting. 

I have repeatedly told the credit bureaus that this company never provided written documentation prior to reporting this debt. 

This is a form of harassment and each and every time this company, JEFFERSON CAPITAL SYSTEMS list this debt it cause my credit score to drop, sometime XXXX plus points. 

This company is attempting to completely ruin my life and my credit and they have no right to do so. 

I have never received any written documentation from this company about this debt. Nor do they notify in writing the many times they have placed the deb on all three credit bureaus. 

This is outright harassment to just continue to place the debt on credit reports because you can with no sense of or understanding you are causing the individual 's credit to plummet each time. 

It gets removed from one account and moved to another. I believed since XXXX 2015, this account has been place on all XXXX credit bureaus and some more than once after being removed. Therefore if the account has been removed time and time again it has to be a case that needs someone to look into it and understand why this is happening.

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 2016-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
the loan was bad with Bank of America BOA never tried to fix the loan Did not modify it properly They owe me all that I paid for over the years

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: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
The debt was paid in store and in full before we were able to switch names on the account from my name to my spouse 's name. We switched names because of an added discount for which she qualified through her employer.

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 2017-01-25 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 about 13 private student loans with XXXX ( Currently, Navient ). Back in XXXX XXXX advised me that in order to get on a payment plan I needed to default on my student loan before they would offer me a lower payment. I was willing to pay what I could. At the time I was single and making {$10.00} an hour. They were asking me for {$1300.00} a month for student loans, I said I would pay something more reasonable but that was more than I was bringing home bi-weekly. So I started off by paying what I could after living expenses. 
They ordered me to default for 3 months and then call back to get on a payment plan. Which has ruined my life. They reported this to the credit reporting agencies and this has ruined my chances of becoming a first-time home buyer. After allowing me on a reduction rate plan, even after making my payments on-time for consecutive three months, they still reported me as delinquent to the credit reporting agencies. 

Being on the repayment plan I have made all my payments on-time for the past 4 years but due to the negative reports in XXXX and XXXX I am unable to purchase a home or anything because it appears that my credit is still suffering from those delinquent reports. While on the repayment plan I also discovered that they were charging me a late fee some months and inaccurately reporting to the credit bureaus. 

All of my student loan accounts were on the same payment plans and on my credit report they all reflect different delinquency dates. I reached out to Navient regarding this matter a year ago and they still did not correct the errors on my accounts with each and every credit bureau that they falsely reported information to. When I first started the re-payment program their automated dialer was calling me for weeks even after I had spoken to agents insuring all my loans were on the payment plan. The automated system called me for weeks saying I was behind on my payments, in which I was current and enrolled in their rate reduction plan. This has caused me so much grief and distress, trying to get them to report my information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX contacted me stating they were going to sue me and place a lien on my credit card for a fraudulent credit card debt that was opened when I was XXXX. Informed that I 've already disputed it and had it removed from my credit report almost 10 years ago. Informed not to contact me anymore and asked the representatives name. She would n't give me her name and I told her to have her collection agency remove me from her list. She informed me she was n't a collection agency. Used harassing and offensive language and said she was going to call my work. Informed I could n't get calls at work and she called anyways.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: FL

Complaint narrative:
Made payments with minimal reduction on the principal. The current principal amount is higher than the month prior after making a payment. Also receive conflicting information When discussing lower payment options with customer service. Forbearance was recommended when we were having trouble making the monthly payments instead of lowering the monthly payment amounts or lowering the interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 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: OH

Complaint narrative:
I recently received a letter from Navient informing me that my loan terms had changed. Navient, without my consent, automatically changed my repayment plan from a 15-year plan to a 25-year plan. The change to a 25-year repayment plan would have more than doubled the amount of loan interest I would have had to pay Navient. What concerns me is Navient did this without my consent. If I had trouble making payments, and called Navient to extend my terms this would not be an issue. However, for someone capable of making the payments, and even being able to pay off the loan in full this is very disturbing. Student loan companies should not be able make such changes without getting written consent from the loanee prior to changing loan terms. I find Navient 's practice deceiving and harmful to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Consumer Financial Protection Bureau : This email is being written in response to your letter and your conclusion that Bank of America had adequately responded to our complaint. We appreciate Bank of American 's research by their XXXX Customer Care Resolution team and their response via their letter date XX/XX/XXXX regarding the disposition of our loan in XXXX. Frankly it may have been correct as far as it went. However, we made payments through XX/XX/XXXX and into XX/XX/XXXX. ( The last payment was received by Bank of America XX/XX/XXXX and was subsequently returned following our receipt of the Abandonment Form ). 
Copies of our XX/XX/XXXX payments, which were not recorded by Bank of America and were not addressed in the BofA XX/XX/XXXX letter. What happened to that {$1900.00} which was paid to and received by Bank of America? We can forward copies of the Bank of America receipts and copies of the cancelled checks. Although we sent copies of the receipts and cancelled checks to Bank of America, they are refusing to accept or return our numerous phone calls or hold themselves accountable for their errors. We would appreciate a response from Bank of America to our new inquiries. 
We have been in contact with XXXX, XXXX, PA ( Single Point Contact / XXXX # ( XXXX ) as late as of XX/XX/XXXX am and they have not been able to find any record or knowledge of the loan, by name, address, SS # or loan #. 
Because of these discrepancies we are asking you at the Consumer Financial Protection Bureau to further review this situation : ( 1 ) What happened to {$1900.00} payments that were made in XX/XX/XXXX to Bank of America on this account # XXXX ; ( 2 ) Help XXXX find the charge off records, identify the correct amount owed and assist us in being able to pay our debt, # XXXX ; ( 3 ) Remove the Abandonment Statement on our credit report allowing us to secure a new home mortgage. 
Thank you for your assistance. 
Regards, XXXX, SS # XXXX XXXX, SS # XXXX XXXX , XXXX, MI XXXX Phone - ( 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 2017-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
In using BoA bill pay service, bank checks were not delivered to a BoA branch because the address had changed, and were not recreditted to my account until three months later. This is BoA 's stated practice, probably prevalent at other major banks. Meanwhile, with this practice, BoA adds to its liquidity crediting funds in transit, violating international central banking norms.

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 2016-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America claims I was represented by a lawyer out of XXXX Virginia in a case involving XXXX. In fact, my lawyer was a XXXX XXXX XXXX based out of XXXX regarding the XXXX case. None the less, the law requires accurate reporting of information on a credit report and Bank of America has failed to do this by reporting that my last known address was in XXXX Virginia. I would also like to add that if Bank of America has anything to do with the XXXX case, that case was settled out of court and that debt was removed because of this. If this fradulent debt has anything to do with XXXX then Bank of America is not only reporting my information illegally but they are illegally trying to collect a debt but this will all be brought up in the court papers next month. Bank of America has many cases that they have lost by reporting false information and performing illegal practices. If they claim I lived in XXXX Virginia and put someone else 's name on the account instead of making it a side note and this account was mine, even though it is not, then how am I to know the rest of the information is correct? How am I to know this debt is even real and Bank of America is not making it up? Their own representatives can not even keep their story straight, they flipping stories more than a pancake. All these correspondents will show up in court and you can answer to a judge and possibly a jury over why so many errors and false reporting, I will gladly take your money.

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 2017-02-13 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: NY

Complaint narrative:
Navient keeps telling me that my bank account does n't exist even though I confirmed the routing number several times and went to the bank I have the account with who further confirmed not only the routing number, but the account number as well. Their only solution was to sign up for auto pay. I told them I am not signing up for anything until I get confirmation that they received my payment. I had tried to pay my monthly bill four times so far and they are claiming that they can not take the money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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: VA

Complaint narrative:
In 2005 my husband and I opened a safety deposit box account with a Bank of America in XXXX XXXX, VA. We were in the process of XXXX our XXXX baby and caring for my mother in-law who, at the time, was XXXX. A few months after we adopted our daughter I entered into the same Bank of America branch, with my XXXX baby girl, and spoke face to face with a manager on duty and requested closing the safety deposit box account. She agreed and said she 'd take care of it. I trusted what she relayed and did nothing else. We later closed all BoA bank accounts. 
Many years have passed since that time and I learned this account was never closed, the bank billed us on their end for the safety security deposit account but never did we receive anything in the mail except notification from a collation agency in an amount excess if {$870.00}. Since adopting our daughter I 've been sick, working on and off, then I lost all income from the recession as I was a XXXX. 
Today I am healthy, XXXX and I can not qualify for the smallest XXXX loan due to old, out dated ( XXXX ) debt. 

Is there any way someone from your division can assist me in removing this derogatory statement from all XXXX credit bureaus? Your assistance in this matter is beyond appreciated and further needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: CT

Complaint narrative:
Navient is telling me that I need to pay the full monthly amount and has not offered me anything to lower the monthly bill which is far out of the realm of affordability. I asked if I could speak with someone about programs so she connected me to another service rep who told me that I would not be able to look into a program until the same day that my monthly payment is set to go up. Then she gave me a date in which my payments would go up which did n't match the date given on my paper bill I had in my hand. they will not allow me to make any changes until the date that it 's supposedly do but by then, according to the paper, it will be two months of insanely high payments that I ca n't afford. So basically I was offered no sort of help. I then asked to transfer the payments to my own bank card rather than my cosigners account and was told that I could not do that either. Should n't there be an income-based repayment option offered? For years I was talked into forbearances without ever being told I can do an income-based payment. I 've been paying for almost 10 years and my loan is almost {$13000.00} more than what it started out as. This is so wrong. Never mind the fact that I signed these loans as an XXXX-year-old kid not having a clue what the real world was like. at that point I did n't realize money did n't grow on trees, and I did n't realize these huge amounts of numbers were going to give me financial ruin for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 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: OH

Complaint narrative:
need help with my XXXX XXXX / Navient loans please help constant harassing me company will not give me balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX XXXX, 2016 I initially reported that I did not make a purchase on a XXXX ' card with account number ending XXXX. I told them that I had paid my account in full I was told that I had to complete and submit a Statement of Fraud which they had to USPS mail to me as they do n't have it electronically. They told me once they received that the account would be flagged for fraud and I would not longer receive phone calls ( I was receiving phone calls several times a day asking for payment ). I waited a week and called back again and told them I had not received the Statement of Fraud. She said she would mail it again. I waited another week and finally received it. At that time, I completed the Statement of Fraud and mailed it that same day. I have called several times to check on the status of this and each time they tell me a fraud investigation has been opened. I called again on XXXX/XXXX/2016 and spoke with XXXX and he said it had been resolved and it would be escalated so we can get it off of my credit report as soon as possible. He told me I should receive a letter from XXXX ' in 7-10 business days. I asked if he could email it and he said no, they only used USPS. He then said it would take 30 days for the credit bureaus to update my credit report. I also just received a bill for the aforementioned account number and the balance is now almost {$200.00} ( I believe the original amount was {$57.00} ). I also received a letter from XXXX ' saying effective immediately my credit balance has been lowered to from {$600.00} to {$200.00}. My credit limit on MY card ( which is a different account number ending in XXXX and has a balance of {$0.00} is {$1400.00}. It is now XX/XX/XXXX and I have yet to receive a letter from XXXX and it is still showing on my credit report. 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
Consumer complaint received 2016-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
As on all XXXX of my credit bureaus XXXX has filed inaccurate information on me, they refuse to remove it but underBy its very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. Two FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue XXXX for false inaccurate information. This needs to be done ASAP

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 2016-06-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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