vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 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: AL

Complaint narrative:
I had Direct student loans and had them transfered Navient .Before it was transferred my federal income tax was garnished to pay towards the debt and I never saw anything showing that the money was paid towards my account. No statements did n't show on my credit report either.And It was over {$2000.00} which was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I applied for assistance after falling behind on my mortgage due to unemployment. I have hired an attorney to help me with the process. The attorney 's in house underwriter states I qualify for a regular XXXX modification. Bank of America now states I do not qualify for a regular modification due to XXXX / Investor non-approval. I have not received any denial letters or explanations. We believe there may be an error in some of the information the investor is using to make this determination such as the value of the property or similar. Bank of America has also started foreclosure by filing a Notice of Default on XXXX XXXX, 2015. They did not review me in a timely manner that last time I applied for assistance. They stalled and took 76 days to review me. This is after they filed the Notice of Default against me, thereby burning all of my time waiting for them. Per my attorney, this is wrong and I believe illegal as it violates Respa Reg X- Regarding timelines for reviewing someone for foreclosure assistance, especially after a Notice of Default is filed. I am told they were supposed to review me within 30 days of having a complete package. They received my complete financial package on XXXX XXXX, 2015. My attorney confirmed they received the package and that it was complete on XXXX XXXX, 2015. However, they did not make a decision until XXXX XXXX, 2015. I have attached notes from my attorney 's calls to the lender. You can see they did not review me in a timely manner. It feels like they stalled on purpose and then intentionally denied me solely to reach the 90 day mark where they can now set a sale date and I have run out of time to save my house. They give no reason for the denial and now they have burned all my time to be able to correct what ever errors they made while reviewing me to save my home. I am told by my attorney that the timelines set by RESPA Reg x to review someone for loss mitigation assistance within 30 days of submitting a complete financial package were set up this way because lenders were stalling and then just setting sale dates. I fear this is my case. Bank of America seems to have burned two and a half months sitting on my application. This is after foreclosure was started and my timeline to a sale date is also running out. They are not not giving me the reason for my denial and as of XXXX XXXX, they can now set a sale date leaving me no time to figure out how to save my home. Attached you will find notes from my attorney 's office proving Bank of America sat on my loan modification request and has burned my time since my Notice of Default putting me into a bad situation now facing a Notice of Sale.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 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: The CBE Group, Inc.
State: FL

Complaint narrative:
CBE debt collectors continue to call me daily, several times a day even though I have asked them not to call my cell phone. I have logged XXXX calls since XXXX, with today being XXXX. They need to stop calling and mail information if they think I have a debt to them, although, I have never heard of them until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has gravely discriminated against me, delaying Loan Modification for 4 consecutive years. The employees at Bank of America were caught on recording denying the modification based on XXXX and demographics. This unethical and unlawful behavior created a long battle to getting the modification that I was very much qualified for and finally XXXX 2015, the modification was completed. My credit is n't destroyed because of my negligence but because of Bank of America, constant violation of Unfair, Deceptive, or Abusive Acts or Practices and Fair Credit Report Act. I want my Credit to be completely reflecting in good standing with Bank of America. I want ALL delinquencies removed from my credit report immediately. 

On XXXX XXXX, 2015 I met with XXXX in person at Bank of America, and he ensured me this would be repaired, on XXXX XXXX, 2015, I forward over the dispute letter regarding my Credit being corrected and not reflecting any delinquency rating at all from Bank of America. XXXX XXXX received the letter and stating he was working on it. I have called Bank of America thereafter to inquire about my credit, but to receive rude, disrespectful employees and no end results. The law requires my credit to be corrected, if no response from the credit regarding the matter within 30 days. It has been since XXXX XXXX, 2015 my credit is still damage and they are in complete violations of the FDCPA. 

Moreover, they are charging addition fees that they are not entitled too. Recently, received notification, Bank of America, added in {$8000.00}, forecloses fees stating they maintained my property landscaping, utilities and more. The refused to remove those fees, and has started billing despite the evidence I have to show, I maintained my own property that I reside in and paid my own utilities bills. This is fraud/theft by deception. 

I want my credit completely corrected as it relates to my loan number XXXX and I want the extra fees Bank of America has added to my loan removed or I will be suing the company. I refused to speak with them any further, as they added to my health issues but constantly upsetting me. The only way I will speak with Bank of America and that is the CEO himself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My XXXX used Bank of America for our business banking. 

We closed the accounts XX/XX/XXXX and paid the accounts in full in person at the branch nearest our XXXX XXXX location. 

Over the years we received a few calls in attempt to collect a debt and asked us for our personal information ( which we assumed was fraud ). 

After the second call from the debt collector I called Bank of America to look up my social security number and they confirmed that we did not have any due balances under my social security number ( in XX/XX/XXXX ). 

Today I called XXXX XXXX XXXX to resolve the issue once more and was informed that they have a due balance of {$11000.00} under my social security number that I do not recognize. 

They have no further information on the money other than they asserted that it is due in full. 

This letter is my formal complaint that I do not recognize this debt and that I will write XXXX XXXX XXXX a letter to cease contacting me about this fraudulent charge.

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 2016-08-12 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I sent a validation of debt to Central Financial Control on XXXX XXXX XXXX. In that letter I have asked the company to provide the HIPPA release form with my signature to protect privacy and medical records from a third party. They have failed to provide this information to me. 
I received a bill from you on XXXX/XXXX/XXXX and as allowable under the Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 

Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by 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 explanation
Consumer complaint received 2015-11-24 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: NJ

Complaint narrative:
navient is unwilling to help reduce loan payments to what is affordable for us. they are rude and just do n't care when you call them. when loan was still with XXXX XXXX the helped us with an interest reduction program so that the monthly payments were more affordable, but now that they are navient they WO N'T HELP IN ANYWAY! they told my daughter that because she owns a savings account she does n't qualify for help. my husband and i pay for these loans and have both retired and are on the " fixed income '' we CAN NOT AFFORD {$700.00} PER MONTH, IT WAS HARD ENOUGH AT {$550.00} PER MONTH. BUT THEY CAN NOT EVEN BE REASONED WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank advertised a special promotion for their Citigold product. It required a minimum deposit. 

I already had a checking and a savings account with Citi. I added additional funds to the savings account to achieve the threshold amount. In exchange, I was to receive the added benefits of the Citigold product. 

Unbeknownst to me, Citi opened a new checking account tied to Citigold. Since I did n't know this account existed, no money was placed in this account. Since no money was placed in this account, it was below the threshold. Citi began charging fees. 

I was able to have this reversed and shut the account. However, I think it is important to communicate to the CFPB that Citibank continues to employ deceptive practices even after it has paid heavy fines and made changes to management. Very disappointing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 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 the Checking Account with BofA on XXXX/XXXX/XXXX with the {$100.00} bonus offer. The bonus offer was confirmed by the BofA banker at the time of account opening and I also received a letter after around 1.5 months of account opening that I have completed XXXX XXXX conditions of getting the bonus and only XXXX condition is left, which was also satisfied by XXXX XXXX XXXX as per the conditions. I approached the banker regarding my bonus after XX/XX/XXXX and the banker confirmed my fulfillment of all the conditions for receiving the bonus and he initiated my bonus credit process and told me that I will receive it in sometime. After that I have been regularly following up with the bank, they always say that they are investigating however I am not getting a satisfying response and no bonus thus so far. One day I was surprised to hear from the Branch Manager that the banker who opened my account did a mistake telling me that I was eligible for the bonus and refused to honor my bonus even though he agreed it was their banker 's fault and he also told me that I can go ahead and close my account if I want to do so, which was very dissatisfying and depressing. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems fraudulent and deceptive. Now I am left with no option, hence reaching out to you expecting justice.

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 2015-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX, 2015 I had an appointment at the Bank of AMERICA ( BOA ) to acquire about Loan to purchase a new car since I am living in Texas unable to maintain my Medical appointment at the XXXX XXXX XXXX, Texas or visiting other Physician at XXXX clinic. including shopping for food. Going to Church I have found out that XXXX has denied my credit based on Information according to XXXX.. Saturday XXXX XXXX, 2015 I went to XXXX XXXX to purchase a XXXX XXXX I found out the same issue regarding XXXX and XXXX keeping record on me. A company that beneficial from the TARP money and was prosecuted by the USDOJ for Discrimination against minorities for loaning at a higher rate.gestapo keeping record for the next train to XXXX in XXXX WHEN ITS COME TO MINORITIES.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have a XXXX XXXX loan that was sold to the company Navient. In XX/XX/XXXX I set up a recurring monthly payment of {$170.00} to be taken out of my account for 12 months on the payment assistance plan. After two payments I received a call to set up another payment plan for {$140.00}. Shortly thereafter I received a call stating that I could not be on two payment plans so I decided to keep the {$140.00} payment plan. I then received a phone call saying that the higher up managers denied both payment plans after I had already been set up and paid monthly amounts. When I spoke with managers ( XXXX different ones to be exact ) I was told that it was nothing that they could do because the higher up managers made the decision. The last manager I spoke with told me that it was a computer program and that they could not change the interest rate for my loan. I did not ask for my interest rate to be changed. They offered me a payment of {$190.00} a month, but I think it is unfair for me to be forced to take this payment considering the relationship that has occurred. I offered to return to the {$170.00} payment, but was refused. They said the difference was only {$20.00}, but that difference is big because I have other private student loans to attend to. I can not agree to that. I told them I would continue to pay the XXXX every month because that was the last agreement that we had. 

I would like a separate mediator to intervene so that we can find a solution. I made an agreement to pay a certain amount of money every month to this company every month and they changed the terms. That is not fair. 

I have yet to speak with a higher up about the decision that was made even though I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX has an FHA loan and submitted a completed package at the end of XX/XX/2015 He works for XXXX and on his paychecks that were submitted, it is noted that he received BONUS income called XXXX, a retention bonus offered by XXXX. It is offered XXXX a year but is not something that any employee can BANK ON. It is listed on his year to date income and on his taxes that were submitted XXXX Two years worth ). We have asked and answered this question verbally XXXX TIMES and sent in a signed and dated letter on XXXX XXXX. Bank of America keeps stating that this information has been submitted to the underwriter the day before but everyday I call ... .they say the same thing. We have been lied to time and time again or sent to a manager who is out of the office until XXXX XXXX. It is amazing to me how Bank of America can lie and lie on the phone and say they do n't have information that has been provided to them over and over and over again on an FHA loan. I have contacted the FHA resource center and they too do not respond. What is a homeowner to do when no one keeps these loan servicers in check. When a month goes by without a loan servicer processing a loan modification, the file goes stale and then the homeowner has to provide all the same documents they have already provided on a timely basis. Then it takes another month for the bank to review them and then lo and behold, they are stale again. We had these problems with Bank of America back in XX/XX/XXXX and in XX/XX/XXXX they are just as bad. Now they have a new process where to speak to the Customer Relationship Manager, one has to make appointment. I had an appointment today for XXXX and no one called. I called BofA to find out why no one called and they said sometimes the relationship manager is not in, but I should wait until XXXX just in case? What? I have to wait around for a XXXX for an appointment for the possibility that someone might call me? How does that work? NO ONE CALLED. So you call and get false information. You provide timely information that is ignored. You schedule a return call that does n't happen. Yes, things have returned to the good old days at BofA of really bad loan servicing and this is an FHA loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I have a a unverified account from CBE GROUP # XXXX. I had previously disputed this account. I have never done business with CBE GROUP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that CBE GROUP Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE GROUP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Recieved call stating BOA had aquired a loan from prior to 2010. Being very ill, I gave my wife permission to speak with them. She was extremely RUDE and kept telling my wife not to interupt her. She would NOT tell her anything except Bankj of America had just aquired the loan & they want thier money. When my wife tried to get any info as to what the loan was about, she said we could settle the debt right now but would not say anything more than it was an old loan that BOA had just aquired and no other info from whom the loan was aquired. She finally said we would be sued and taken to court and abruptly HUNG UP on my wife. I called here back and tried to get the info from her. She was so rude and ignorant, I could not believe this woman. She said " NOW YOU WANT TO TALK TO ME '' " if you want to know anything, ASK YOUR WIFE. I wanted to know how I can settle a debt when she would not tell me who the debtor was. I have to admit I became HIGHLY AGITATED and did use some abusive language and hung up on her when I could get NO INFO and all she was doing was yelling at me. My wife called back and tried to talk to someone else and they once again immediately hung up the phone without speaking, as soon as they determined who was calling. 

To summarize this whole situation. The person who called was XXXX and she was mean and very rude. She told my wife this debt has to be settled today but would not reveal from whom BOA aquired the loan. After giving us NO INFO she said to ge3t a lawyer because they are going take us to court and sue us. I 'm not sure if the company name and representive is correct. They did not identify themselves except to say there is a claim against me. The phone numbers were left on the answering machine and taken from my caller ID.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation