vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-29 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: ME

Complaint narrative:
Navient has reported severely late payments on my student loan accounts ranging from 60-180 days past due. During those reported late payment periods, the account was granted a forbearance. No payments are due while loans are in forbeance, therefor no payments should be reported as late. My loan account was consolidated and moved to a different company and is no longer open with Navient. Although this account is no longer open, these late payments are still being reflected on my credit repot, and are preventing me from obtaining a first time home buyer loan. I sent requests directly to Navient asking for the late payments to be removed, and recieved a denial. I then file disputes with all XXXX credit reporting agencies. All of these disputes came back with no changes being made to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America has instituted a " maintenance fee '' on my account, however I have not been told anything about this. Why? When? How much?. I have been a customer with BofA for over 12 years, and have never incurred any maintenance fees on my checking account. I have now " paid '' {$68.00} in maintenance fees, because I do n't check my account often and I now " owe '' Bank of America {$12.00}. This is ridiculous. Bank of America doesnt pay me interest for keeping my money with them, and then after 12-15 years they start charging me without telling me. 

To add insult to injury, the website tells me the only contact method available is the phone ( every other bank has chat and email available for bank accounts ). And when I call, Im told I have to wait on hold 22-30min ... its almost 2017, this is absurd.

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 2016-08-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
My debt with Central Financial Control was settled in full on XX/XX/XXXX. I received an alert on my credit report for unpaid account on XX/XX/XXXX witch had an impact on my score ( drop XXXX points. ). I did a dispute with XXXX, is there anything else that I can do, central Financial Control this is telling me that they did a mistake ...

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 2016-12-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received notification from Bank of America ( via their XXXX app ) that I was pre-approved for a secured credit card. I submitted my application, online, and was notified immediately that it was under review. I received XXXX letters dated XXXX XXXX. 2016. The first advised that my application will be approved once the collateral ( {$99.00} ) has been verified by my bank ( also Bank of America ) and it states the card would be sent within XXXXXXXX business days. The second letter stated that I need to contact Bank of America to provide the requested collateral within 60 days. I called today XXXX XXXX ( on my vacation day from work ) and was advised that my application had been closed, and the rep XXXX '' advised she could re-open it with my collateral today. She then advised after attempting to re-open my my application I was denied based on my credit report. I advised that my letter said I was approved pending my collateral and explained that I had not received a letter that my application was closed no that I was denied due to my credit report. I told her I do n't understand how that could be considering I just received an approval letter and no denial letter.

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 2017-01-19 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: TX

Complaint narrative:
I was XXXX XXXX XXXX XXXX when I received an email stating that my account was being transferred from XXXX XXXX to Navient. My interest rate went from 2.5 % to 7.4 %. When I called from XXXX to ask why they stated they now had control over the account and that was the new interest rate. I was horrified but unable to do much about it so to this day I still pay this enormous rate to pay off my XXXX Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XXXX when we applied for a mortgage loan we supplied the Countrywide loan representative with our tax returns, bank statements, institutions with other funds/assets and we hand filled out the loan application each separately. In XXXX we found out Countrywide gave us a wrong loan. We contacted Bank of America who had taken over Countrywide 's loans and their legal dept. for them to supply us with all the supporting documents in why this type of loan was originally given to us. Please refer to our dispute file sent on XXXX XXXX XXXX. We received a response from the Consumer Protection Bureau that our case was closed. We disagree because with our last filing on XXXX XXXX we requested a copy of what was used when we originally obtained the loan ( Bank statements, credit reports, tax returns ) with all the supporting documents. We 've asked this from Bank of America in XXXX and in XXXX as well but they have failed to supply us with this information. Please refer to the original complaint # XXXX which has all of our uploaded supporting documents. We appreciate all your support and help and we are asking for this matter not to be closed since we did not receive any of the documents we requested justifying their charges and interest rates.

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 2016-08-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am reaching out to you today in regards to a credit dispute I am trying to resolve with our Mortgage company, Bank of America. I have tried to resolve this issue directly with Bank of America, but both times I have received letters from the Bank of America customer service department that states that BOA has completed a review and they feel their records have confirmed the information they provided to the CRA is accurate. I do not feel that the information is accurate. In fact, I feel that Bank of America messed up on their end and they are not taking any accountability for the miscommunication that was given to us at all. I pride myself on having great credit. Since this incident occurred, I have hit so many roadblocks with my company, applying for loans, and now I have a senior who is going to need our help for college loans. It makes me so angry that loyal, XXXX, hard-working people do not have a voice with these large mortgage companies. Not once was I able to even talk to someone directly about it. I was told the people that make these decisions are in a back office company for Bank of America. They do not take emails or phone calls. I do not believe that someone who receives their paycheck directly from Bank of America, should be making all the credit decisions for Bank of America, especially when they are not taking any accountability for their own mishap and miscommunication. I am coming to you because I need a strong voice to hear my side and hopefully help me. I have a Fixed, 15 year conventional loan with Bank of America. This is our first mortgage. It is sit up with automatic withdraw each month so a payment is never missed. I had requested that our 2nd HEL through Bank of America would also be established this way. A representative told us that this is not a problem. Just fax in a " Letter of Authority '' and the loan number and approval to have this established. We did that. The fax was received, but the phone call of this representative telling us to do this and that it could be done, has disappeared. I also feel that, once this fax was received, we should have immediately received a phone call or email to tell us that this service was not available for the HEL. We had left to travel for the summer to return to two missed payments and our credit messed up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I did not receive a card from this company, nor did I run up any charges that they claim. I should not be held liable for something I do not have, and did not receive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: PA

Complaint narrative:
This collection agency is submitting false errors to my credit report. I do not owe what this agency is fiercely trying to call and mail letters to a debt I do not owe

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 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: IL

Complaint narrative:
I 'm unemployed and my debt is just piling up and piling up with no recourse. I have a low monthly payment but that keeps skyrocketing and because of this, my debt just keeps accumulating interest. I do n't know what to do or how to get out as they offer no solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I was a long time Bank of America customer. I closed my account because they have no branches in my current state ( UT ). After having paid in full, I closed my accounts and moved. My now closed account was charged by an annual subscription to XXXX that I was unaware of. They accepted the charge to my closed account and I did n't pay because I had no further relationship with BoA. I went to apply for a home loan and was told this delinquent payment existed. I immediately paid it in full, however they have refused to remove either the charge or the delinquent statement from my credit. Their mistake will cost me thousands of dollars on my home loan and I do not know what to do. They have been absolutely unreasonable and though the individuals I have dealt with have been sympathetic it comes down to this : I can never full end my relationship with BoA. I now how to watch them for years to come ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 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: TX

Complaint narrative:
My loans are in repayment. In XXXX 2016, I submitted a check for {$5000.00} to Navient to pay down the principle of my loan. I used the address on their website. The check was cashed, but never posted to my account. When I called, I was told that the check went to the XXXX XXXX XXXX XXXX and they were a separate department. I was then told that I would have to wait. I called two more times over two months only to be summarily dismissed. Finally, in XXXX, I spoke to someone very helpful in their XXXX XXXX XXXX XXXX section. She was very apologetic and informed that a request for a refund was never made, despite me turning all of the required documentation. She told me that the check should arrive in approximately 2 weeks. 4 weeks later, I am on hold with Navient again. Apparently, the check may or may not have been issued to me. Certainly, I will also receive interest from the months they have wrongfully held onto my money??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Due to a bounced deposit check, Bank of America closed XXXX checking accounts of mine and reported the accounts to XXXX as " possibly fraudulent ''. This was without contacting me in any way, shape or form to discuss the check. I tried contacting BofA through the phone but get pushed around between departments without any department being able to correct the issue for me with XXXX. Because of the closing of the account, my wife and I are unable to obtain any bank account with any bank and are on the verge of being evicted because checks are the only form of payment our landlord accepts. 

I have taken multiple steps to get in touch with BofA 's risk management team to correct the issue with no avail. I have even mailed formal letters of intent to sue with no response. Unfortunately, BofA 's headquarters are outside of my state and the process of suing them over this is far more expensive than I can afford. All I want is the information to be corrected and updated with XXXX. I appreciate your assistance in the matter.

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 2016-04-22 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: VA

Complaint narrative:
On XXXX XXXX, 2016 a Notice of Lien was filed on my account with Bank of America in the amount of XXXX from an attorney. Bank of America doubled the amount and put " on Hold '' XXXX. I made several phone calls to explain the CASE # is the same even though the judgment and notice of lien was filed as joint. After several phone calls and visiting the Bank of America branch on two separate occasions due to the person in their legal department told me to go into the branch and sign a " early payout '', the branch rep typed up a form however the amount was NOT correct so I could n't sign it, no resolution to the problem and my account continued to be charged. On XXXX XXXX XXXX was debited from my account and I was charged XXXX twice, once for me and once for my husband. On XXXX XXXX XXXX and XXXX was debited from my account. As of XXXX XXXX, 2016 the attorney has NO RECORD of Payment and Bank of America can not tell me where my money has gone. So, for a lien of XXXX, my account is out a total of XXXX and no one ( after 13 calls and two visits to the branch ) can tell me where those funds have gone. I am on Day 17 with no sign of resolution in site. With no explanation my fees for overdrafts is totaling over XXXX between the bank and creditors that items were returned to. Since XXXX XXXX, I have agreed to release the funds, and no one can seem to assist me. I did not dispute the lien, I wanted to pay this but having my account debited on three separate occasions and the amount of time it has taken for them to resolve this issue is criminal. I believe when they got the order on XX/XX/XXXX after they took their fees of XXXX, the only funds available were XXXX, however on XX/XX/XXXX payroll was deposited and all the funds were available, but no one ever looked back at the account to report that, even with me calling and begging them to help me resolve this. I do n't normally look at things like a conspiracy but how can I not think this delay was all to earn additional fees. This has created a disaster of my finances and I have felt so in the dark on what to do. The only notice I received from Bank of America was on XX/XX/2016 in both mine and my husbands name for the amount of XXXX, no other notice was ever received from the bank.

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 2017-01-20 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: TX

Complaint narrative:
Mislead Into going to a school that promised so much career opportunity and growth but instead got brought into a student loan debit that has become so large to even repay and now my former school ( XXXX XXXX XXXX ) as completely shut down and is and tried to work out a payment option or have the loan forgiven but is still giving untrusted information on what to do by Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
First let me mention we have been using Bank of America credit cards for ten years and have never missed or been late with a payment. Recently we were offered new cash back cards. I cards in the mail arrived promptly as well as an email telling me that the was a {$6500.00} made to the XXXX in Arizonan, I contacted the fraud department, they investigated and canceled the new cards, When I new I was getting new cards I paid off the original old card {$2600.00}. I checked my statement online and found they had taken the payment out of my checking account twice, They said the would reverse the double payment and return the amount off {$2600.00} ASAP. This left us with {$410.00} in checking to pay our monthly bills. Note were on Social Security with small pensions. 
We contacted BOA several time going for teller to manager to department heads. We were told over and over again that it would take 5 to 7 business days to return the money to our account. I asked the managers at BOA if they were going to be responsible for any late charges because they had drained my checking account by withdrawing, they said no. 
I am very disappointed with BOA, they made the mistake and we have to suffer for it. 
What can I do to get my money back before it effects my other financial commitments?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I was promised a job upon Graduation. Did nothing to help me get a job, they told me that i would be paying loan back based on job in my field.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America credit card. On my XXXX statement, I show that I had paid my revolving credit balance in full and a bit more with no interest charges. For the XXXX statement period, I had paid {$700.00} less, bank statement showed that I had incurred {$37.00} in interest charges. For my XXXX statement, I had paid my open revolving balance in full again, but incurred more interest charges of {$63.00}, XXXX month in a row after having only XXXX calendar month of not completely paying the revolving balance in full once back in XXXX. Bank of America customer service dept 's service rep told me that the XXXX interest charges is a result of me walking into a banking center and making the payment and BofA taking time to process the banking center transaction, which is a bunch of baloney. With the service rep 's explanation not sounding right, we insisted on a manager, XXXX who eventually came on the call, to answer my question. He stated that the XXXX interest charge of {$63.00} was a result from a short payment back in XXXX. Okay we took that reply and we did further research and found out that not only were we charged in XXXX, but we were also charged in XXXX. We called back to the BofA credit call center and was told that the XXXX interest charges was also a result of the {$700.00} unpaid balance from XXXX. So we were charged XXXX for the same {$700.00}, given XXXX different explanations of the interest charges, and still have not resolved the issue of why there are XXXX interest charges when only once that the outstanding balance was short-paid ( short-paid balance was taken care of in the subsequent month ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08 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: MD

Complaint narrative:
I consolidated my student loans through the XXXX program in XXXX XXXX. My original loan amount was for {$12000.00} at XXXX % interest. At the time of consolidation, the loan was serviced by XXXX XXXX, which offered a 0.25 % reduction in the interest rate if the loan was paid by automatic deposit every month as well as a reduction of 1.00 % from the interest rate after 36 on-time payments. I took advantage of these benefits, lowering my interest rate to XXXX %. At some point, without my knowledge, the interest rate was raised again to 5.125 %. Unfortunately, I am unable to see older statements on either the XXXX XXXX or Navient websites, but did contact XXXX XXXX in XXXX XXXX to determine when the interest rate for my loan increased and why. Customer service representatives have been unable to tell me my interest rates at different points in time, nor have the statements for those time periods been accessible to me. I mailed XXXX XXXX a copy of the document describing the 1.00 % interest rate discount, but nothing was done to address my concerns.For the statements that are available, the interest rate has always been 5.125 %. It is frustrating that my student loans, as part of a federal program, are subject to arbitrary interest rate hikes without any notification or justification.

Company response to consumer: Closed with monetary relief