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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Sallie Mae sold my student loans to XXXX. When this happened my Sallie Mae loans were transferred to XXXX, so I then sent payments to XXXX. However, on ALL of my credit reports XXXX companies are reporting on the loans and on late payments. So rather than having XXXX late payment for a student loan, I show XXXX for every late payment I have ever had. This DOUBLES the number of late payments on my credit reports which is completely inaccurate. I do not think it 's fair that Sallie Mae and XXXX can both put marks on your credit from the exact same loan. I want this fixed. There should only be XXXX company capable of reporting on the student loans. Allowing XXXX companies to report to the bureaus on the exact same loans makes for inaccurate reporting and greatly impacts my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
NAVIENT continues to call several times a day from blocked numbers and various numbers around the country. I have made payment atangents with them and they still continue to call. They 've now started sending me letters advising they 'll take legal action and garnish my wages along with my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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: FL

Complaint narrative:
Bank of America was holding a few transactions which were small enough to keep my account from going into overdraft. They were processing these transactions for days until a larger paper check came through which resulted in a transaction reordering. This has happened before and should be illegal and really investigated like it was in 2012. Legislation under the Obama administartion was overlooked and the Federal reserve has done nothing to help the 8 % of the bank account owners from going into deeper debt. 

Transaction reordering should definitely be a crime and investigated to the extent! I just paid {$60.00} x2 for my XXXX credit card payments and over XXXX for a XXXX cable bill. 
' We need to put an end to this and rewrite these Algorithms which are making the banks richer and the poor poorer. They also started charging me a XXXX per month fee to keep the account after 12 years. 
Please help put an end to this and throw these crooks to the curb!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Okay I put my son on my credit card years ago as an authorized user only. I recently had to file bankruptcy and we both ( myself and my son ) where shocked to see it show up on his credit report. He has file a dispute concerning it and I contact the credit card company. The credit card company told me there was nothing they could do about it and that it would remain on there for 7 to 10 years. I feel like this is very wrong. He was added only as an user and the credit card company agrees with that. I told them they never tried to contact him or bill him and they actually closed his card before I filled but the 3 late payments and termination of his card effected his score. Is that not a law to protect him from this? If not anyone could be put on someone card and get hurt by them being late with a payment. It sure was n't disclosed to me that the acts of me would hurt him. Would you please let me know if there is anything I can do about this. Also please info any other parents that may add there children to there cards that it can later show up on their credit report. All my payments I made over since 2008 did not help his credit score though.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 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: OH

Complaint narrative:
I have attended XXXX XXXX XXXX since 2012 sallie Mae used to be the lender of my student loans ever since XXXX took over I have had nothing but issues, anytime I call nobody wants to help, and the representatives I spoke with were extremely rude! I have been going through a financial hardship for over 6 months, they claim I do n't qualify for any programs or they do n't offer them, my husband was out of work and I was out of work and we just had a baby in XXXX, they disregarded everything I had to say and said I needed to pay something, I do n't want to neglect my obligations but I need help getting back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: VA

Complaint narrative:
I received a loan from XXXX 8 years ago and was told that my co-signer would be released if I make 2 years consecutive payments. I made those payments and requested that my cosigner would be released but got denied. I 'm in a bad relationship with my co-signer-which happens to be my cousin- ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Recently, Bank of America lowered my credit limits on XXXX cards without basis. When I questioned them they told me it was due to XXXX reporting my account overdue -- -which was reversed after I filed a lawsuit against them. They dropped me {$6000.00} from XXXX cards causing me to have to drop out of school. When I researched it with XXXX XXXX, I saw that though Bank of America promised to remove a hard inquiry that was done without my permission, it was still on my credit report. I called and spoke with XXXX XXXX, who told me that though the president 's office told me they would have it removed, it would just fall off in two years. She told me that though I had never been late for any payments, they lowered my credit cards and did n't care how it effects my good credit. When I asked for this to be escalated, she outright refused. Now, I have to drop out of school. I told her that XXXX made a mistake on my report, but she said they would have to foist another hard inquiry upon me in order to check. When I told her I sent a certified letter to the president she also told me he would not help me and that though I 've never missed a payment, they did this because of what XXXX did to me.

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 2016-06-09 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: NY

Complaint narrative:
In all the attention given to Pay Day lending as a predatory industry that exploits the poor, the CFPB and media have ignored a common " lending '' practice with major banks. 

While Frank-Dodd limited overdraft fees on debit card purchases, banks often still allow customers to overdraw their accounts intentionally at the ATM. This is often for a very short term, and when the fees are translated into an effective APR, the rate is astronomical. For example, an retired person who receives Social Security as their sole source of income is expecting their direct deposit in one week. They have {$10.00} in their account, but they need to buy groceries or medication. They decide to take {$80.00} from the ATM, which immediately triggers a {$35.00} fee. Their account stands at - {$100.00} after the overdraft and fee. Then ( for example, at Bank of America ) they incur an " extended overdraft '' fee of {$35.00} for not making their account positive after four business days, bringing their balance to - {$140.00}. This being deducted from a fixed direct deposit makes a repeat of a similar overdraft the next month all the more likely. 

The customer has in effect borrowed {$70.00} from the bank for one week at the cost of an additional {$70.00}. This is 100 % interest over one week or the annual equivalent of 5200 %. This is plainly usurious and should be illegal. Banks are still collecting XXXX in overdraft fees from those who are most vulnerable and least able to afford them.

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 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My loans were previously serviced by XXXX. When I attempted to see what my payment plan options were the cheapest option they provided was extended repayment. It was n't until later that I learned that I was eligible for income based plans. It harmed me long term because I qualify for the Public Service Loan Forgiveness program and lost months of eligibility due to paying into the extended payment option ( they are n't qualifying payments ). I not only payed nearly double monthly, but will pay for a longer term as well. I have since transferred my loans to XXXX and have an IBR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Colony Brands, Inc.
State: OK

Complaint narrative:
I have never opened an account with Home at five

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was charged XXXX days for a processing hold in my account to a business that did n't submit the hold for payment right away. The bank charged me each day the hold was in effect, thereby reducing my balance that affected other payments which should have been covered. They said at the end of each day, they returned the monies to my account if they were not collected by the company. However, my statements show that the monies were " never '' returned to my account and was eventually charged again on the following day, making the charge a double payment to the business which they never received but my account was reduced by the double amount. That 's not fair to me to be charged twice and the monies not paid to the merchant but my account depletes anyway. The bank should replace the funds at the end of each day if they are not collected by the merchant, thereby making the bank customer whole again for the next day charges.

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 2016-12-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solutions To Portfolios, LLC
State: KS

Complaint narrative:
I have paid STP Management Group {$2200.00} for a debt that XXXX XXXX loan has no record of and now a XXXX company is calling ( very threatening ) to collect on this same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
The company XXXX Associates Inc. keeps calling for XXXX XXXX. I 've told them not to call because I do n't know this person and I 've had this phone number for 8 years. Nobody by that name has ever had my number and I do n't know where they got it from. They keep saying they 'll remove my number and they do not. They have been calling my number since 2007. I 'm tired of these calls. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
I am in collections with XXXX for a charge of {$2200.00}. The debt collection was sent over to Amsher, who then sent it over to their attorney office, XXXX XXXX located in Alabama. First off, I have never received anything through the mail from any collection agency regarding the debt they are trying to collect. Once I received notice that their was this collection against me through checking my credit report, I called Amsher in order to dispute the debt. Amsher told me that I had to go through XXXX for anything further since the account was transferred over to them. I have now been in contact with XXXX for about three weeks and they have been very unprofessional. I sent over a police report on XXXX XXXX, stating that the phones were stolen out of my vehicle back in XXXX and they stated that in order for the account to be settled that they had to send the police report over to XXXX. I have called XXXX today and they said they never received anything. I then called XXXX 's office back and the individual I spoke to was very improper using slang and profanity towards me, then hanging up on me twice. While talking to him each time I asked to speak with a supervisor the two different times that I had called and the same man I was transferred to stated that there was not one for 48-72 hours and that he would not transfer me to anyone else. All I was asking for was an email of some sort of dispute validation that I asked for back on XXXX XXXX and the man keeps informing me that they are not able to send out anything to me stating that I am disputing it. He said I need to ask XXXX for that, but XXXX 's corporate office is stating that since the account is in XXXX 's hands that they need to be the ones to send me a dispute validation. XXXX 's customer service is refusing to send me over any validation that I am disputing the charges, claiming that they sent over the police report to XXXX, while XXXX is stating that they never received anything, and the customer service representatives are being very unprofessional and ending the phone calls on me without giving me the proper information and not giving me answers to any questions that I ask. I am trying to receive this validation of dispute so that I can get this taken off of my credit report as soon as possible because it is affecting it drastically and also because I was in the process of purchasing a new home and this is effecting the process. I want to see if I am able to get my debt transferred over to anything collector or if I can just receive a dispute validation at the very least.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I have disputed this account many times with XXXX the credit agencies and with Carter Young. The credit agencies stated that Carter Young verified that this account belong to me. I yet to see my signature on any documentation. I was a victim of identity theft. My purse was stolen and some credit cards was fraudulently use. I have notified both the credit agencies and Carter Young and this account is still reporting on my file. They both are in violation of the FCRA in reporting items that do not belong to me. I need your assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I cancelled my XXXX phone service XX/XX/XXXX. XXXX had provided me signal booster as I was not getting enough signal at my home. When I cancelled my XXXX service I requested for them to send me Signal booster return kit in order for me to return the signal booster to XXXX. The return kit simply contains the XXXX return label. But even after 1 month I never received the return Kit. So, I called XXXX again and again for the issue. Every time their response was that they forgot to send the return kit and will send me as soon as possible. At that time, I informed them that the delay is from their end, so I will not be responsible for any charges. Even after this conversation I did not receive any return kit. I had to call them so many times in order to send me return kit. Finally I received the return kit XX/XX/XXXX, more than 2 months after cancelling the service. Surprisingly, during these 2 months they started sending me letters saying I owe them more than {$400.00} as I never returned the signal booster. It seemed like there was definite disconnect between communication within their departments. 
As soon as I received the return kit, I shipped the signal booster on XXXX XXXX XXXX. I have a delivery proof showing they received it on XXXX XXXX XXXX. I have the XXXX tracking number with all the proofs including photocopy of return label, return kit, XXXX receipts with weight of the package showing XXXX, But to my surprise XXXX kept sending me bills showing I owe them more than {$400.00}. So, I called then again on XXXX XXXX XXXX to let them know the entire story and informed them the XXXX tracking number as well so that they can resolve this very simple issue. At this point I was thinking that I provided all the proofs of return and the issue will be resolved. But the biggest surprise was yet to come. I received a call sometime around XXXX XXXX or XXXX XXXX from Amsher Collection agency that XXXX has put my account in collection from XXXX XXXX which was just 1 day after I talked with XXXX representative and had given XXXX XXXX number as a proof of delivery. This seemed so brutal to me. But, I provided all the proofs to collection agency and disputed the issue on XXXX XXXX XXXX. Currently, this issue is in dispute since that day. 
I have all the photocopies as a proof to prove that XXXX definitely received the signal booster on XXXX XXXX XXXX and so I do not owe XXXX any money. At this point I feel like hitting a dead end. I really appreciate if you can help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: NY

Complaint narrative:
This is my second complaint regarding E-Loan ( previous case # XXXX ). That issue was resolved by my giving up requestion the cd I opened and funded be made a trust account. Presently since the account has been funded I have received the incorrect amount of interest ( below the percentage I signed up for and have poof of ). After getting no satisfaction by dealing with e-loan I called XXXX XXXX XXXX XXXX a branch manager of XXXX Popular. She intervened and called Eloan in XXXX after which I received a secure message from eloan that the correct amount of interest would be transferred to my linked ( outside ) bank account with 24 to 48 hours. That was on XXXX XXXX. The interest has not been transferred and in fact when I log on to their website I get a message that I do n't have any accounts there. I have spent numerous hours on the phone and sending emails to this bank. At this point I want to close this account, have my entire opening deposit of {$250000.00}. transferred back to my linked account with no penalty as well as the interest I am entitled to.

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 2016-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Solutions To Portfolios, LLC
State: MD

Complaint narrative:
I received a call from this company yesterday about a payday loan they say that I owe. XXXX XXXX persisted in trying to get money from me and then proceeded to get his supervisor on the phone who abruptly came on the line and began to demand that I provide them with my personal credit card information so I can make the matter go away. They continued trying to engage me in conversation and wanted me to divulge personal details about my finances in the presence of coworkers on both sides of me. I asked them not to contact me at my place of employment. I told them that if they have information stating that I have business with them to mail it to me. I am receiving calls back to back at work and at the front desk where I provide relief for our receptionist. They continue calling making escalating threats and also demanding to speak to my supervisor. The number they called from was ( XXXX ) XXXX but it shows up as a XXXX number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I paid all of my medical debt off in full. There are XXXX accounts still open on my credit report with a balance of {$87.00} due.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation