vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 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: UT

Complaint narrative:
I have multiple loans thru Navient ( previously XXXX XXXX ), I 've tried working with them about payments but they will not budge they want more than I can afford, now I think they are going to try to garnish my wages without a court order

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

Complaint narrative:
I have tried lowering my payment multiple times with navient however they always tell me a low payment that sounds good to me that I can make and then send me a link. When I go to the link the information never matches and then when I call navient back they act like the conversation that I had with a previous person never happened. I just want a lower payment so I do n't have to stress about being able to have enough money to eat and pay bills. Credit is very important and I hate thinking that I struggle to just stay a float.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This is what I sent to Bank of America on XX/XX/XXXX after filing a timely dispute with them which they denied. 

I previously disputed the charges form XXXX XXXX form XXXX and XX/XX/XXXX. It appears that from the attached letter that B of A presumes the charges are valid simply because google has my correct information. This is an incorrect assumption. 

XXXX previously was authorized to charge my credit account through XX/XX/XXXX. XXXX charged the amounts after XX/XX/XXXX without authorization and illegally. As you will see from a review of my billing statements there were nominal charges in XXXX and XX/XX/XXXX as we were discontinuing our services with XXXX. 

In XXXX, XXXX illegally used our previously provided information to make unauthorized charges to my account. I did not become aware of these charges until XXXX as I was traveling frequently in XXXX and XX/XX/XXXX and my accounting department initially paid the fraudulent charges. I then disputed these unauthorized charges by XXXX. 

XXXX was not authorized to make these charges and did not provide services that they are charging for as we had initiated a stop of service with XXXX. When I contacted XXXX they admitted that they had failed to stop services as requested because their agent made an " improper notation in the file. '' I do n't know exactly what this means but I had contacted XXXX regarding the end of services and they failed to follow through and failed to properly notate my file so the stop would occur. 

When I contacted XXXX directly I offered to pay them an amount that I was charged the previous months ( no more than {$1000.00} total for XXXX & XX/XX/XXXX ) in a good faith effort to resolve the issue. XXXX refused and I then initiated the dispute. 

I did not authorize any of the charges after XX/XX/XXXX from XXXX. I did not receive or request services from XXXX after XX/XX/XXXX. I have asked XXXX to provide proof that they actually provided services to me After XX/XX/XXXX and they have refused to provide this information. I have asked XXXX to provide any proof of my authorization to bill my card after XX/XX/XXXX and they have been unable to provide any proof. The fact that XXXX retained my address and billing information is evidence of XXXX 's ongoing fraud and unauthorized use of my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
I filed numerous disputes with Central Financial Control and advised them to provide me with contracts with authentic signature than begun this alleged debt. Central Financial Control Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Central Financial Control have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Central Financial Control have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Central Financial Control have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which Central Financial Control could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Central Financial Control have failed to establish any relationship between me and the purported debt, I demand that Central Financial Control discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Central Financial Control continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Central Financial Control AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau and the XXXX. Central Financial Control hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Central Financial Control at this point Central Financial Control have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

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: KY

Complaint narrative:
I have been stuck in an interest loop with Navient for 2 years ( I started paying on my large loans after consolidating them through XXXX XXXX, which then turned into Navient ). My accrued forbearance interest is XXXX, ( this accumulated because I did not have the money to start making payments on my loans when I graduated at first, XXXX was my servicer at the time and they claimed putting it in forbearance would be appropriate because I could n't make less than a XXXX $ monthly payment, there were no repayment options for me at that time. ). Now I am gaining daily interest on my principal balance which is around XXXX, where in my " repayment plan '' payment is barely covering the XXXX accrued interest on my principal balance. I am making no HEADWAY on my principal balance or my forbearance interest. I have around a total of XXXX in student debt, and it says my term is 140 years??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
My loan is now more than it was when I first went to school more than 10 years ago. Navient charged me outrageous amounts of interest when I could not afford to make the very high payments. If I could have paid more of the principal and not interest I would n't have such a high loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I deposited a check in the amount of {$5300.00} on Saturday XX/XX/XXXX via Bank of Americas mobile banking app. On Monday I was given three different dates as to when my funds would be available ( currently have those print outs which the staff at one of their branches gave me ) the first availability was for the amount of {$4800.00} to be available on XX/XX/XXXX after XXXX CT. XX/XX/XXXX, I was showing an overdraft of over {$400.00} plus a over draft fee of {$35.00} and just received another notice threatening another {$35.00} fee if I do n't make a deposit by XXXX XXXX! Mind you my account was not over drawn or in the negative prior to me making my deposit. On top of that the {$4800.00} was not available. The next availability is for {$380.00} to be available on XX/XX/XXXX at XXXX ( I honestly do n't think that money will be there after being told that {$4800.00} would be in my account on XXXX XXXX ). On top of that, I am still missing {$200.00} from the original amount that I deposited. I went into the branch XXXX times this week and no one can give me answers, just empty promises. My phone is currently cut off for non payment, and my rent is severely past due. My son and I are on the verge of being evicted from my home due to them holding my funds. I am a single parent who 's family relies solely on my income. How am I suppose to function when you have been holding my funds for nearly XXXX days without so much as an explanation? In this day an age with technology ruling EVERYTHING a hold check normally takes 24 hours, they are telling me that my funds may not be released until XX/XX/XXXX! I 'll be evicted from my home by then!

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 2015-10-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
They have been calling my cellphone after I repeatedly told them i am at work and they cant keep harrassing me sometimes its a machine sometimes a live person they call say something and hang up. U was told because i couldnt post date a payment i wasnt allowed or qualified for a special program and i didnt have the right to call in on my pay to make a payment on my own they refused to stop the calls and refused to remove my number

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-10 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: MN

Complaint narrative:
Can not afford monthly payments and XXXXNavient refuses to give me any other option then {$260.00} a month for 5 years. I took out a loan for {$8000.00}, I have a total of Over {$150000.00} in student loans. The payment is unreasonable for the amount of student debt I have. My cosigner is XXXX XXXX XXXX and on social security along with living in subsided housing and they call her repeatly, scaring her because she doesnt understand the process. They call her everyday telling her that I refuse to talk to them when I actually have tried multiple times to make arrangements, recently I made the arrangement of {$260.00} a month just so they would stop calling and harrassing my XXXX XXXX XXXX Grandma.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I lost my job at the end of XXXX and fell behind on my mortgage in XXXX. I applied with the XXXX Home Saver program ( Hardest Hit Fund ), Bank of America did not offer this to me nor any other solutions to the issue I was facing. After completing my application with XXXX XXXX XXXX. I waited for BOA to approve the program. However, Bank of America did not, they had an error that was made on loan documents that were signed in XXXX and told me they would not give the approval to enter the Home Saver program until I signed a new Modification of Deed of Trust, they mailed the MOD to me and it was back dated before the date I signed the original modification. They offered me {$500.00} to sign the document and said they would not stop the foreclosure process or even review my file for Hardest hit or any program until I signed it. So I signed it and returned, I do not feel comfortable with the practice of mailing me a deed that is dated from XXXX with the dates changed and another section added to the deed. I feel they should have done a Correction deed and not backdated one. Also they went ahead an proceeded with the foreclosure process and had already started advertising my home and the sale date. As of last night XXXX XXXX XXXX had called BOA and they said they would stop the sale which is supposed to occur today at XXXX, until they review my file for a foreclosure prevention option. There is some funny business going on with my loan, they also have billing statements going back 2 years where they placed payments in a suspense account and did not apply to the loan for months in some cases. Please do a full review of my loan file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was Modified by BOA, the agreement was to make XXXX payments on time, On the fourth payment they were closing out the old loan, took my payment, applied it to principal and then said I had to make another payment and that they could not fix their mistake. I spent two years trying to get it corrected with the help of the local bank and they reversed it and sent an apology letter. One month later they reversed it back, I refused to make a payment for two months until they corrected it and then at that point gave up and started making payments, they then sold the loan to XXXX which is even worse than Bank of America. I have since then caught up on all my payments, but XXXX is trying to charge me XXXX in Late fee 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 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: NJ

Complaint narrative:
The information they gave me was very wrong and misleading, even though they said I do n't have to pay anything monthly, I 'm still making payments of XXXX a month, but only XXXX shows monthly on my credit profile. I felt this is a fraud and its awesome that you guys are investigating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Reference Case number : XXXX And-See attached bank information form Bank of America letter and Bank of America website. ON XXXX XXXX, 2016 I received a letter form the bank ( attached ) dated XXXX/XXXX/16 that indicated my request for home mortgage assistance is " not being reviewed because we did not received the requested documents? PROBLEM the bank has not communicated or provided a request for documents. the specifics of requested and required documents has not been made to me by the bank. Further as indicated on the bank 's website the bank should have sent me a financial information packet to complete ( see attached ). The referred to packet, needed for my request for assistance to proceed has not been provided to me. I have contacted the bank 's customer service dept as well as bank representatives XXXX XXXX and XXXX XXXX, and a bank advocate ( see attached ). In the meantime the bank as determined they will transfer service of my loan on XXXX XXXX, 2016. In my communications with CFPB, Bank of America customer service and the bank 's advocate XXXX XXXX XXXX x XXXX ) it is imperative that my request for assistance be submitted and process prior to this transfer. By phone with bank representative XXXX I expressed the same. In the meantime days are passing and I do not have communications or paperwork from the bank needed to process my request for assistance.

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 2015-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid off a loan 9 years ago and had XXXX negative entry attached. The last date reference this account should was XXXX2006. I have asked Bank of America to remove the information off my credit report. The mortgage was to XXXX XXXX XXXX XXXX XXXX It never went to collection was in good standing. I want nothing more to do with Bank of America and they she be held accountable for reporting this negative and will not remove it. It 's going into its approaching 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 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: PA

Complaint narrative:
I deposited a check at Bank of America on XXXX/XXXX/15 after XXXX XXXX, but I did not realize the check was dated XXXX/XXXX/15. The bank bounced the check on XXXX/XXXX/15, I think the money was available on XX/XX/XXXX but they decided to reject it. I deposited a check for {$1100.00} on XX/XX/2015 and was informed there was a hold in place for {$900.00} until XXXX pm XXXX/XXXX/15 and that I was told by XXXX of bank America that {$200.00} would be available by XXXX Saturday XXXX/XXXX/15, ( see attached account history for XX/XX/XXXX ) sometime Saturday the entire amount was put on hold and the check is now on permanent hold, ( see attached bank statement ) I am not sure when it will be available, when I asked XXXX of bank America why, he said it was in the risk dept, and to call Monday, I feel Bank of America is trying to generate fees and lying to me when I try to address my account problems, I have no funds in my account, and feel I am being treated in a arbitrary and capricious manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 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: VA

Complaint narrative:
A deposit for the amount of {$2300.00} was sent to my account XXXX during the XXXX. That evening I wrote a check in the amount of {$300.00}. The following morning I received a NSF notice. It showed the {$300.00} had been paid, but the fee was charged because of " posting sequence '' I call and spoke with customer service and was told the fee would not be returned. While on the phone on the representative I noticed the {$300.00} was credit back to my account. I ask to speak with a supervisor and he stated that " they tried to pay the {$300.00}, but were unable to ''. So, now I really confused. I do not if BOA actions are illegal, but they are definitely unethical.

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 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: GA

Complaint narrative:
My credit report is showing XXXX individual student loans dating back to XXXX when I first started college. All of the loans have been consolidated into XXXX big loan and deferred because I 'm currently in XXXX XXXX, I can also see the consolidated loan on my credit report. Should n't those XXXX individual loans have come off my credit report. Now it looks like I have double the amount of loan debt and on top of that the XXXX loans are showing delinquent in payments even though they have always been deferred til XXXX. I tried complaining to navient them showing delinquent but they claimed there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
About two weeks ago I see on my bank account that XXXX had taken out {$210.00} or so and I was thinking for what, because my wife always pays that with her card! I do n't make much money, and I am XXXX XXXX XXXX already. I called XXXX and they charged both our accounts and they said theycould n't do anything about at this point and call my bank to get my money back! So, I do so and the customer service rep was horrible! I said I wanted to get my money back cause I did n't and never authorized this charge, and right away the rep tells me to call the merchant, and I explain I did, and then the rep says we ca n't help you and hangs up on me! I was thrown back. I know bank of America and me had our differences before, but they took care of me in the end I wo n't lie, but this time I need the same help. I am old and live on a day to day basis. I ca n't afford to loss money like this! I just hope they reimburse me that money back, cause I love bank of America and want to be with them long term as a customer, but when I call thinking I will get help on my situation and it does n't happen. These processes are not fun, and I do n't try to get over on anyone, I just know when a wrong doing was done, and hope when they do happen my bank had my back as a loyal customer!

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